BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XXXX my credit score dropped a 100 points for no reason, I disputed this with the cfpb and it was corrected, within a week. Now in XXXX it dropped 105 points. Transunion have repeatedly done this to me over the last three years. I'm not for sure what is going on, either they purposely are doing this for their on own personal gain or there is fraud going on with my transuinon account. I have articles showing how Transunion has done this to many people.

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 2018-07-25
Company: MAJR Financial Corp
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Majr Financial is reporting an inaccurate late on my credit report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I used my points to book a trip. I canceled the trip and was told I would be able to get a credit for the same amount to use with the same airline. 

I called to book a trip using this credit on XX/XX/XXXX and pulled up the trips I wanted to book online. The pricing was in the {$300.00} price range online and the price the agent was telling me over the phone was over {$700.00} dollars for the same flight date and times. Out of frustration and feeling misled I wanted to speak with a manager. None were available and they said they put us on a list to be called back in 72 hours. I never receive that call. ( I have a screenshot of the online prices. ) On XX/XX/XXXX I called back and to my surprise, I was able to book a trip where the costs quoted over the phone matched their online pricing. The trip that I was booking was only for a portion of the amount of the credit and the customer support repXXXX told me I was going to be able to use the remaining amount of my credit for another flight. I asked to book that other flight there on the phone but I was informed that I needed to wait 24 hours for the new ticket to process and the remaining credit to register. 


On XX/XX/XXXX I called to use the remaining part of my credit. I was told that the remaining credit was forfeited and that was the company policy. I asked to speak with a manager but none were available. They informed me that they were going to put me on a list to receive a call back in 72 hours again and I informed them that I was going to file a complaint with the CFPB. 

Per my last two conversations with the American Express representatives, I was provided conflicting information, 1st I was told I could book a flight and use the remaining credit for another flight, and on the second call, I was told since I booked a new flight for a lesser amount than the original credit the remaining portion was forfeited. Overall, per the result of the last call, I have lost over {$300.00} which I could have reasonably avoided if I was informed correctly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX is trying to Collect {$430.00} I Dispute before the 30 days but this collection agency is in violation of state and federal government regulations. The status of limitations has expired

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 2017-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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: Investigation took more than 30 days

Complaint:
I have requested from Bank of America numerous times to provide to me a copy of the paperwork and application in which I would have filled out to obtain this particular flexible spending credit card : OPEN DATE : XXXX CREDIT REPORT DOES NOT SHOW A CLOSE DATE LIMIT SHOWS AS {$5000.00} BALANCE SHOWS AS {$5500.00} PAYMENT STATUS : COLLECTION / CHARGE-OFF ACCOUNT CLOSED BY CREDIT GRANTOR I do not recall this account and was involved in a divorce during the 2012 year and had two change of address. Also, I have contacted Bank of America requesting a copy of any and all paperwork documenting this account and they are unable to produce. 
I would like this removed from my credit. How can the Bank of America report and continue reporting items if they have no original proof that you opened the account? No end date? Etc. 
Clearly, since I have tried numerous times to obtain this information ( over 30 days without an answer ) this particular item should be removed from XXXX, XXXX XXXX and 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 2019-08-29
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I contacted Experian at XXXX XXXX MST to unfreeze my credit. The last time I checked with my bank, at XXXX XXXX XXXX, they still could not run my credit report. 
I called XXXX several times but all I got was automated system. The automated system said my credit report was unfrozen. However, my bank was still unable to run a report. 
I contacted two other numbers listed for corporate offices 1 ) XXXX this resulted in same automated system which never gives option to talk to customer service 2 ) XXXX this resulted in press 1 for automated ; press 2 to speak to customer service. However, when I chose 2, I was automatically connected to automated service again. 
I dont believe it should take more than one hour to be able to run credit report after unfreezing it. 
I would have unfrozen XXXX but my bank only uses Experian.

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 2018-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
XXXX ( XXXX Loan Acct # XXXX ) in the amount of {$3100.00} XXXX ( XXXX  Loan Acct # XXXX ) in the amount of {$2100.00} The above two accounts were originated between years XX/XX/XXXX-XX/XX/XXXX. A detailed debt validation letter was sent on XX/XX/XXXX ( USPS Certified Mail, reference # XXXX  ). As of today, more than 30 days have passed without a reply from XXXX.

Please investigate this matter as I believe XXXX is in violation ( again ) in accordance to the Fair Debt Collection Practices Act.

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 2023-07-18
Company: EQUIFAX, INC.
State: NJ
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 or Around XX/XX/23 I Disputed a Bankruptcy for inaccuracies.I questioned about how this information was obtained and the Response was the us bankruptcy court.I Then contacted the court and they gave me Documentation that they dont Report to any Bureaus At all so this is either a lie Or mistake.Nor did I give permission to Share my information this a violation of my Rights to Privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XXXX XX/XX/2020 I applied for a XXXX Rewards PREPAID DEBIT card and, after it was approved, loaded {$25.00} onto it : Account GENERAL CHECKING Original Description CHASE XXXX RELOAD XXXX OH Trans. Type DEBIT CARD PURCHASE Posted Date XX/XX/2020 Amount ( {$25.00} ) Auth. Date XX/XX/2020 I then setup online access to manage the card. When I tried to login and get an update on XXXX XX/XX/2020 re : the status of mailing the debit card, I was denied access. I then called Chase who said they couldn't help me and I needed to enter a branch, which I didn't know of any near me at that time. 

I then received the debit card and a letter from Chase on XXXX XX/XX/2020. When I went to activate the debit card, it was already canceled. The letter indicated the account that was holding my initial {$25.00} deposit was closed for the supposed reason of " fraud. '' This is a lie because there was no fraud. They said I didn't follow their request for entering a bank and proving my identity, but they NEVER asked me to, so they lied. 

The fraud department would not take responsibility and explain the real reason they closed my debit card and I want other consumers to know they CAN NOT TRUST Chase and should avoid them. As of the time of this complaint, Chase is still holding my {$25.00} and will not release it until XXXX XX/XX/2020 at the earliest, which is unacceptable since they are the ones lying to me. 

Again, they NEVER asked me to visit a branch or provide any additional documentation, they are lying. I want Chase to release the real reason they've done this to me and I want my {$25.00} returned immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Applied Business Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
this is my business credit card and i lost my business they give me {$500.00} credit and i ask them my business is close but still charge me again i ask them to help me and I offer them to pay half of my limit but they didnt accepted and ask me to pay {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have had this billpay account for 10 years and this has never happened before. On XXXX XXXX I had a payment to XXXX XXXX XXXX set up to be paid and the check was sent out ( see attached ). I got an email stating I had to confirm the check was good from the fraud department, I checked the " yes '' box ( this was the second payment to this company in a month and the first payment I had to call the fraud dept and they paid that check ). Why then would they ask if this second check was good or not. I also have plenty of funds to cover that check on the 16th ( see attached account summary ). On XXXX XXXX I received a call from this vendor that the check had been sent back by XXXX as a " charge back ''. I was so embarrassed as this is a new vendor of my company. I made an inquiry and just got a generic response ( 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 2022-08-25
Company: Fidelity National Information Services, Inc. (FNIS)
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: Public record information inaccurate

Complaint:
I recently pulled an XXXX XXXX reporting and Chex Systems report, and XXXX  XXXX XXXX is still reporting an old account with a balance on the report that had caused an adverse action against me and my business when attempting to open a new business account. I filed a XXXX  XXXX Bankruptcy on XX/XX/XXXX and it was Discharged by the Bankruptcy Court on XX/XX/XXXX, and the XXXX  XXXX XXXX account was included in the Bankruptcy that was to be discharged. I called back in XX/XX/XXXX, and was advised that the bank would resolve this, but it appears it never has complied with the bankruptcy order.

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 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the day I turned XXXX I pulled my credit wanted to see what my credit was showing. when i logged in i saw a collection for a collection company linked to XXXX i filled a dispute and i was removed within a few days. well I got a phone call from another collection company this past week trying to collect again, we told them the account was not mine and that you just turned XXXX and your not responsible well the collection company said i was still responsible. how can i be responsible for something that was opened in my name without my knowledge and prior to me being XXXX this is tied to an address i do not live at. 

please remove this is hurting me

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 2020-09-18
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX Balance Owed : {$0.00} - This kind of account is actually noted as a charged off account, you need to let me know the actual reason why there's a balance showing you on the record if it is a charge off. 

XXXX XXXX Balance Owed : {$0.00} Many times delayed that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Many times delayed that is being accounted on my credit report seems inaccurate and or misleading. If possible provide facts that this supposed account was in fact delayed and that you have got the needed techniques to make sure you correctly analyze your claims. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - This account standing which is lately reporting on this credit record has a severely unwanted relation to my personal option to attain permission to get a present loan application, please don't hesitate to provide proof that this has been reported perfectly as documented in the Fair Credit Reporting Act guidelines, this is a serious problem to mis-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 2018-04-06
Company: JPMORGAN CHASE & CO.
State: NM
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:
I applied for a Chase Southwest Plus card, in addition to a Chase Southwest Premier card on the same day and was automatically approved in XX/XX/XXXX. A week or so later I received my card in the mail, but it was instead two premier cards. This seemed odd to me, so I called Chase to see what the issue was. After thirty or so minutes on the phone I was told that they did not know how this happened, but that there should be no issue with receiving the rewards on each of the cards. I received the first bonus in XX/XX/XXXX after I had reached the spending threshold on the first premier card. I received a letter in the mail stating that I would not receive the second bonus because I had already received it on the other premier card. I called Chase immediately, who said that I should wait and see if the points post to my account, given that this was such an unusual situation. The points did not post to my account, so I called them again on XX/XX/XXXX. I was referred to an account specialist after again telling them what happened, asking them to honor their agreement and post the points to my account. They would not budge and said that I can not receive benefits from two of the same cards. It makes absolutely no sense for me to try and have the same card and pay an annual fee twice. There is no benefit, only harm to me to do that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX 15 U.S.C 1

681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681e section b : States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681o section a : States any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act ( Original Creditor : XXXX XXXX ) XXXX and XXXX XXXX have violated my rights.

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-02-12
Company: EQUIFAX, 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:
Upon checking my credit report I found some discrepancies in items that are not mine, I believe I've been a victim of identity theft, so I'd like to report this to ask for help in restoring my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transition does not update the status of the dispute results. I have disputed collection accounts that results in closed but Transunion does not update them to reflect the change. They also keep reporting closed collections as open even after my disputes and documents sent back to them showing their investigation states collection accounts should be closed.

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