BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX   Social Security : XXXX Date of Birth : XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, GA. XXXX Re : Unauthorized Credit Inquiry To Whom It May Concern : Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Inquiries ) : XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, 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 explanation
Consumer complaint received 2020-11-27
Company: CITIBANK, N.A.
State: OH
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 customer service

Complaint:
I closed my Citi XXXX XXXX credit card account in XXXX and disposed of the card. For an investigation unrelated to Citi in XXXX XXXX, I accessed my account to request historical statements. When I was notified in XXXX XXXX that the historical statements were available, I was unable to login with my usual credentials. I tried to reset my password but because I do not have the card number -- I threw away the closed card -- Citi refuses to work with me to get my password reset so I can access my online account. I have been more than willing to provide SSN and other information to confirm my identity but Citi has refused. I don't even care what the account number is ; I have my username and just want to reset my password and Citi has refused to help me whatsoever.

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 2023-08-16
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX8 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: JPMORGAN CHASE & CO.
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:
Improper use of your report 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-03-15
Company: AMERICAN EXPRESS COMPANY
State: CA
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 received a credit card offer from American Express in XX/XX/XXXX that included XXXX bonus miles and a cash credit of {$200.00} if I charged {$3000.00} within 3 months. 
On XX/XX/XXXX, I called AmEx to verify that I would be eligible for the bonus. They assured me I was qualified. I had recently had an Amex BLUE card, but this was a GOLD card, so I could get the bonuses. So I applied for and received the card. I then charged over {$3000.00} right away. 
In XXXX I noticed I'd received no bonus, so on XX/XX/XXXX I called and spoke with XXXX, employee # XXXX to complain. She opened case # XXXX. She said investigation would take 7-14 days. 
I received no response, so on XX/XX/XXXX I called and spoke with XXXX, employee # XXXX who said the investigation closed on XX/XX/XXXX and they concluded I was NOT qualified for the bonus, since I had had a BLUE card until XXXX, before receiving my GOLD card. This contradicted what they told me in XXXX. I was then transferred to speak to XXXX, employee # XXXX, who agreed to another investigation. He told me they could listen to the recording of our phone conversation in XXXX of XXXX and if I had been promised the bonuses, I would get them. He told me the investigation would take about a week and they would call me. 
I never received a response ( again ), so on XX/XX/XXXX, I called and spoke to XXXX, employee # XXXX, who told me the new investigation had closed and no bonuses were approved. He could not see that they had listened to the recording of my conversation in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, 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:
I have sent letters disputing unknown accounts in my report exactly on XX/XX/2022 but until now I did not receive any response from the bureaus. I think they are not taking actions regarding my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I open an Macy account for a credit limit of XXXX never received my first statement so they waved the late fee upon receiving a letter today they deceased credit limit to a $XXXX which is why I’m filing a complaint because at the time of me applying my fico   was ok  I only agree to keep the account going was because of the limit I free trick and played this should have never happen  XX/XX/2019

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 2021-04-28
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: Account information incorrect

Complaint:
I have sent several dispute letters trying to get this issue resolve but Equifax continues to verify the information and still inaccurate affecting the accuracy and integrity of my credit profile. After further review it has been determined that their Metro 2 Format is not up to compliance as required to report under the FCRA and not following the required guidelines by the XXXX XXXX XXXX XXXX. 

1. XXXX XXXX XXXX XXXX Dispute sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to Equifax Validation letter sent to XXXX XXXX  for information on this account and they have failed to response Sent on XX/XX/XXXX delivered on XX/XX/XXXX A response was provided on XX/XX/XXXX saying with a summary and saying I must response within 30 days to or they will assume the debt is valid. When it was already being asked for in the first letter sent to them on XX/XX/XXXX. Also got a letter from XXXX and XXXX XXXX XXXX for the same Debt. Which why would two people have this account as a Collection account. 

Have you verified that this company is reporting my full legal name, date of birth and full social security as required in the FCRA and XXXX. 

Account type, account status and portfolio type is inaccurate. Reporting as a credit account which is a violation Deleted this erroneous account immediately Not reporting the original creditor name and creditor classification in the as required under the CDIA K1 segment Field 2 and Field 3 2. BANKRUPTCY XXXX Multiple requests have been sent directly to the third XXXX XXXX XXXX who the credit bureaus state is reporting this account. 

XXXX is unable to provide me with the information that is being reported. 

Letter was also provided directly from the Bankruptcy Court advising that they do not verify information with the credit reporting agencies. So who and where is this information coming from? 

Compliance condition codes Consumer disputes - reinvestigation in progress and has not change for over 30  days which is a clear indication that there that it is unverified This account is unverifiable and must be deleted XXXX. XXXX XXXX Payment history profile is incomplete and missing the actual payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX even after your investigation, therefore the payment rating of 30 days late is unverifiable. Please delete the 30 days late payment on this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2021-04-28
Company: EQUIFAX, INC.
State: PA
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:
Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Installment Loan Account Number : XXXX Reason : This account is reporting inaccurately to my credit reports. This account is reporting to Equifax and XXXX  that this account is open but is reporting to XXXX  that its closed. I ask If this account be deleted ASAP because these mistakes are affecting my credit score and is supposed to be accurately reported to all 3 bureaus. 
I sent in a dispute letter more then 30 days ago and have not received a solution. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( XXXX ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I called XXXX XXXX Bank approximately 2 weeks ago ( the week of XX/XX/XXXX ) to request a new debit card because my card had expired in XXXX and I had yet to received a new one. The representative said he would send out a new card and did not mention any issues with my account. A few days later, I logged in online and linked the Schwab account with another on my bank accounts and we through the process of the trial deposit verifications. 
This week I got the debit card in the mail and when I tried to call to activate it, I was told that my account was closed by Schwab, without notice, because I had no activity in 6 months. I explained that I only use this card when I travel abroad and that I had just called in two weeks ago and logged into my account, so there was activity. I also said that I needed this to be resolved ASAP as I was going abroad in a week and needed access to my account before then. After speaking to another representative who said she would look into it, call me back, and then never did. I reached out again and spoke to a supervisor, XXXX, who said he would look into it an call me back. 
XXXX called back and left a message saying that it is in their terms of service that they can cancel anyone 's account without notice and, even though the rep I spoke to two weeks ago said everything was fine, if I wanted a new account I  would have to go through the application process again ( and have another inquiry on my credit report ) for an account that should have never been closed in the first place. I find it hard to believe that a bank can close a person 's account without any notice, especially when I was just on the phone with them 2 weeks before and everything was fine. I would like this to be resolved by my account being re-opened without an additional inquiry 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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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 non-monetary relief
Consumer complaint received 2018-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The 3 major credit bureaus are reporting on my credit report unverified accounts and will not show or send proof of these accounts on my credit reports such as a original consumer contract with my signature on it. Under the FCRA 15 USC 1681i all unverified accounts must be 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 2018-07-25
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
EOS CCA, acting on behalf of XXXX XXXX XXXX XXXX XXXX, has re-aged a XXXX XXXX account that went into collections back in XX/XX/XXXX and are reporting it on my XXXX credit report as XX/XX/XXXX. I have filed disputes to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to get this item corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I DON'T RECOGNIZE THESE INQUIRES & COLLECTION ACCTS ON MY CREDIT I NEED THESE DELETED OR REMOVED FROM MY CREDIT REPORTS ASAP!!!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I received a letter from this company, indicating that my account had been closed. THEY closed it, based on an internal review, which included my credit score to determine my credit worthiness. Based on this review, they decided to close my account. This account has been inactive, but had a XXXX balance. This seems punitive, given that the account was paid, and when active, paid on time with no delinquencies. This does have an impact on my credit score/utilization. Contacted the creditor to resolve the issue, and they were unhelpful.

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 2020-11-27
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Bait and Switch -- Chase Bank took advantage of COVID-19 I had a dispute charged on my Chase credit card with a merchant due to its price gouging for essential items to combat COVID-19. 

Chase bank decided to against me in the dispute, however, it agreed to suspend the payment for three months offered by an employee of Chase executive office. However, at the end of the first month of payment suspension, Chase decided to collet payment. Chase also charge hefty interest rate to the suspended payment. I questioned Chase 's ethics, it didn't respond. I didn't make payment since it was within three months payment suspension. During the second month of payment suspension, Chase bank continued to charge hefty interest on my credit card account, then added late payment fee.

I wrote to its CEO, XXXX XXXX, then, Chase closed my other credit cards with Chase. It is retaliation. Before COVID-19, I never missed any payment for all chase credit cards. As a matter of fact, all my credit cards were on auto payment.

I consider Chase is unethical ; take advantage of COVID-19, promote itself as a corporate citizen which offers COVID-19 relief whereas, it charges hefty interest rate and fees within payment suspension period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Experian Information Solutions Inc.
State: NY
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:
Experian Credit Report.There way to resolve a credit report problem it give me a hard time.I try to contact them over the phone not resolved, i try to send o prove of credit issues that they was fully of errors not resolve.They not investigate at all such all those reporting companies they report there with lot of errors.Rude costumer service they treat you like a criminal.The last time i send all the paper work show and prove that those reports are with errors they did not upload my documentation the operator told me that they not received. ( ( ( they lost or they not upload purposely ) ) ) .They tell me send it back again.

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