BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-08
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/XXXX-Applied for Chase Freedom 0 % interest on balance transfers and purchases, credit card on Chase website ( saw on XXXX ) XXXX-Had phone conversation with XXXX XXXX from XXXX XXXX branch about no response to my application for zero percent credit card. Told credit report locked. Told him I needed the balance transfer immediately. He transferred me to new accounts. Spoke to XXXX and restated my need for balance transfer. Was told to unlock credit report and call back ; they would run credit and give immediate decision. 

XXXX-Unlocked credit report, called XXXX. XXXX approved application with expedited shipping because I told him I needed a timely balance transfer. Told to activate account and card, and initiate balance transfer. Activated card to discover no balance transfers available at this time. 

XXXX-Scheduled another call with same Chase rep from XX/XX/XXXX for Friday XXXX at XXXX XXXX. He never called! 

XXXX-Called Chase. Spoke to CS and transferred to a Supervisor ( did not get her name ). They both said they have no balance transfer cards at this time. My response was, but you did on XX/XX/XXXX when I applied, followed by, if this is true, I should have been reminded on XX/XX/XXXX & XX/XX/XXXX when speaking with Chase reps. I mentioned I had another call later that afternoon with the first rep I spoke to. I was offered to cancel the card. Further, in my packet received with the card, it states 14.99 % for balance transfers. 

My credit score is above XXXX ; I can go to ANY bank. I applied to Chase because of the 0 % advertised on their website! I also applied because they gave their employees some time off for Juneteenth ;  although I did read a review where they have been unfair to XXXX Americans. In my case, I have been lured by FALSE advertising! No 0 % INTEREST and NO BALANCE TRANSFERS! They ran my credit for a product that I did not apply for! Between XX/XX/XXXX and XX/XX/XXXX the product I applied for was removed from their options list. I guess the reviews were correct as Im XXXX American! 

I will next report my story to the local XXXX NC news as Chase is coming to XXXX XXXX. I reported them to the Attorney General, and next I will contact my attorneys office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I submitted a complaint to the XXXX and it was a reference to inquiries that have been reported on my credit report in accurately as well as accounts that are negatively impacting my credit profile. There are over XXXX to XXXX inquiries that have been reported to my credit profile that needs to be removed. I have submitted multiple complaints to all credit bureaus, and the situation seems to not be resolved. This is unfairly affecting me and my financials credit score and needs to be resolved as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, XXXX, transunion. 
These companies are continuing to report derogatory marks on my credit report without consent. Also, the government closed these accounts and they are still reporting. Remove these accounts immediately. Ive sent debt validations as well as affidavits of truth and still no response in the 30 days time. Under section 3.1.1 Furnisher Incentives and Disincentives, Reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary, so please remove these from my report. 



US DEPT ED {$3100.00} US DEPT ED {$690.00} US DEPT ED {$1700.00} US DEPT ED {$1700.00} US DEPT ED {$4600.00} US DEPT ED {$3300.00} US DEPT ED {$4800.00} US DEPT ED {$3100.00} US DEPT ED {$4900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Bliksum, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX  Inquiry Date XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On my credit report it show it is a charge off, and I called the original creditors and they said the debt was sold to another company. I was telling them to please remove the account off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Law Offices of Robert S. Gitmeid & Associates, PLLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XX/XX/2021 I contacted Gitmeid Law to help pay off my creditors .I was told that with a small fee they would help me. instead they put me in contact with XXXX XXXX  and i was told that I would only have to pay back the money that was used even thou I did not want any new creditors.Gitmeid law kept {$8400.00} and took the full amount to pay my creditors from XXXX XXXX  which was {$16000.00} .With the interest rate that was calculated at 24 % my debt is now over {$32000.00} plus the money that was paid Gitmeid law my debt has now tripled. Gitmeid law did nothing to help me. Except kept the {$8400.00} that i paid them as thier fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 12 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2 dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: ONLINE Information Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 a payment of XXXX was paid to the original creditor XXXX XXXX/ XXXX XXXX XXXX and was paid in full. The debt collection agency reported that {$160.00} was owed then it was updated shortly after with a XXXX balance but still open. I disputed the claim because the debt was paid in full. I received a statement stating that there was a balance of XXXX still due on the account. That amount was never reported. I went ahead and paid the XXXX over the phone on XX/XX/2019. I contacted the collection agency shortly after because they were still reporting a XXXX balance and that the account was still open

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I hired a moving company, and the men stole valuable jewelry from me. I will not pay for this service. 
XX/XX/23, posted XX/XX/23 XXXX XXXX XXXX XXXX XXXX. {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX and transunion did not modify or remove anything. So I asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything for XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third Bank purchased my mortgage for a Florida condominium in XXXX of XXXX and started servicing my mortgage that month. In XXXX of XXXX, Fifth Third Bank unilaterally began deducting a monthly escrow amount of {$890.00} from my checking account to cover flood insurance. We already have coverage for flood insurance and have provided proof of this to Fifth Third Bank and over the past several months dating back to XXXX discussed this with multiple customer service representatives at Fifth Third Bank. They have acknowledged receipt of the insurance policy and verbally committed to return seven months of escrow payments that have been arbitrarily and capriciously deducted from my account. Instead of returning such escrow money, they simply continue to deduct it from my account. 

I want them to stop wrongfully deducting {$890.00} from my checking account on a monthly basis and return the {$6200.00} with interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A {$200.00} fraudulent charge was placed on my Barclays Mastercard account @ a XXXX XXXX on XX/XX/2023 in a city and store I've never been to. 

I was notified by text message " Free Fraud Alert '' that a {$200.00} fraudulent charge was placed on my account. I immediately notified Barclays to confirm the charge was fraudulent. 

On XX/XX/2023 I received a letter from Barclays stating that they reviewed the charge and changed their minds and put the fraudulent charge back on my account. 

I called Barclays back and disputed the charge to no avail. I sent several fax documents to Barclays with proof of Barclays original fraud notification text that they sent me and the police report I filed. They have ignored my faxed documents and will not give me an email or phone number to dispute the charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed with XXXX XXXX  and transunion several times with concrete evidence of Inaccuracies. I was not able to get any answers on how my disputes were investigated. I'm seeking CFFB to ask the 3 CRA 's to remove the negative info. The balance, original lender, new lender and the late payments were not correct. The house was sold and payoff without any late payments or FS. Also the original creditor XXXX is not in good standing and therefore not legal to do business in Maryland. 
Please see attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: AES/PHEAA
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
American Education Services has not been reporting my payments to my credit bureaus and it has impacted my credit sore significantly. I would like them to report the monthly payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reached out to your guy before back in May about some things that was and two still is on my credit. At this point Im reaching back out because there are still two items and some inquiries that are not mine. I have contacted the FTC and police department. Please have these removed from my credit XXXX and XXXX and the inquiries are XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I wanted to just reach back out one more time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Company is illegally holding my funds. I wrote a check to myself and Capitol One is claiming its fraud. How do I commit fraud to one self? I asked for copies of documentation of this so called fraud and yet to receive the physical copies. To whom is the fraud against? I wrote a check to myself to myself? If this was fraud why did it take Capital One 6 years to act on it? If I didn't come in to say I had no access this account could of been frozen for decades. If it was fraud, why did neither bank contact me? If this is fraud I would like a copy of this fraud request from XXXX on paper to see how Capital One came to this decision. XXXX is claiming of no such request. Capital One claims the reason they have a hold on the account for 6 years is due to the fact XXXX hasn't sent a HHA letter, XXXX has no request of one from Capital One plus if it was fraud XXXX would of requested the funds back immediately. How can Capital One claim the account is abandoned? It's been active, I have been attempting to access to my account so how is it abandoned!?! What legal basis does Capital One on holding my funds? I went through bank reps, managers 3 in this same dept all claim they can't see why my account is on hold. One of which said Capital One is doing me a grave injustice. I want to see this evidence of this request or the release of my funds. This was the original complaint, Capital One didn't answer any of these questions just wrote a letter they are holding it due to an HHA. I was aware of that. I want to see the physical legal proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several inquiries on my credit file which i have no knowldge of i wish to have these deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several inquiries on my credit file which i have no knowldge of i wish to have these deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/2021 XXXX submitted a " remark '' to the three credit agencies which caused my XXXX score which averages over 800 to drop almost 100 on each agency. I contacted one agency and they were unable to tell me what the remark was and to contact XXXX. I did and spoke top 3 depts including the " executive resolution '' dept and none could or would tell me what the " remark '' that obviously was derogatory was. This has to say the least done significant damage to my credit status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  HAS NOTIFIED THAT I DO NOT KNOW OWE XXXX XXXX   ACTS XXXX, ACT # XXXX AND ACT # XXXX DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM XXXX  HAS ALLOWED THESE TO STAY ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Medical Society Business Services, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Greetings to all at the XXXX. Thank you for your service It has come to my attention that a private company called XXXX XXXX XXXX XXXX is committing many crimes against my estate and my name. 
My question to the CFPB is, how can a 'private ' for profit company be allowed to obtain my personal information without my knowledge, written consent, or a court order? Does the CFPB allow companies to do as they please? I have requested that XXXX XXXX XXXX provide to me a proof of authority that allows them to Purchase and collect the information of XXXX XXXX without a license at CALIFORNIA where I live, my written consent, or court order. This is clearly identify theft by corporate bullies. I am unable to obtain goods for my household. This has to stop. I am asking that the CFPB regulates the false and deceptive business practices of the XXXX XXXX XXXX XXXX. This is devastating to my family.

Company response to consumer: Closed with explanation