BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-28
Company: JPMORGAN CHASE & CO.
State: WA
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:
On XX/XX/XXXX, intrigued by Chases online promotion of Receive 15 Elite Night Credits per calendar year ( https : XXXX? XXXX ), I applied for a Marriott Bonvoy Boundless card XXXX I was approved immediately. Once I received the card, I wanted to find out when I would receive the 15 Elite Night credit, so I called Chase card service to ask about the timeline. Everybody I spoke to was clueless about the 15 elite night credit promotion. I got concerned so I visited the Chase XXXX branch in person. A Private Client Banker found in the card offer detail that 15 Elite Night credits will be credited to your Marriott Bonvoy member account within 60 days. However, when we called the card service to double check the timeline, the card service representative was just as clueless as the previous credit service I talked to. After the visit to Chase XXXX XXXX, I have tried on multiple occasions ( both via phone calls and written attempts ) to have Chase give me a clear indication of if they intend to honor the offer to no avail. Today ( XX/XX/XXXX ), I even got a phone call from a Chase representative who told me I would only receive 15 Elite Night Credit if I waited until XX/XX/XXXX. I told him this went against every advertisement on Chase own website. He had no good response. 
Attached please find Chases marketing page and a screen shot of the card detail where it talks about the 15 Elite Night Credit. ( p.s. I tried to download the entire offer detail document, but for some strange reasons, rather than printing out the entire document, the printer could only print out the first page four times. It would jump over all the remaining sections, including the section about 15 Elite Night Credits. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: TRUIST FINANCIAL CORPORATION
State: OH
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 is an inquiry on my XX/XX/XXXX credit report from SunTrust Bank XXXX as XXXX, dated XX/XX/2019. I DID NOT APPLY FOR A LOAN WITH THIS COMPANY. The company provided a response claiming that their company name is LightStream ( attached letter ). I've never heard of this company, have never contacted this company, never applied for a loan, and never gave consent to run a hard credit inquiry. Where is the original application? This company did not provide it to me in the last response. It appears this company obtained my information illegally from a third party and placed an inquiry on my credit report. I am just asking for the inquiry to be removed.

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 2023-09-02
Company: ERC
State: MN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Charter communications said that the equipment was not returned. They turned it over to a collection company called XXXX group eport Number XXXX It was disputed with XXXX and they found that I did in fact return the equipment. They deleted it off the credit report. On XX/XX/XXXX. 
I am a XXXX XXXX  XXXX getting ready to pcs move XXXX and they sold whatever information they had to ENHANCED RECOVERY. They now put this back on my credit report XXXX. XXXX after it was already settled with the previous company. This is not a debt that is owed. I now can not rent and I have a wife with XXXX XXXX XXXX and an XXXX  child.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
On my report it's showing Accounts ever late 1, i have never been late on any of my account payments and other bureaus record this correctly it only showing on Transunion ... I had to call my banks as well and i was requested to mail Transunion or call directly to be removed

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 2021-07-02
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: Their investigation did not fix an error on your report

Complaint:
I have been letting Experian know that the accounts for XXXX XXXX & the inquiries on the identity theft report are not mine & need to be deleted. I keep getting the run around and items still reporting.

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 2020-12-10
Company: CORELOGIC INC
State: OR
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 unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, CREDCO add a hard inquiry on my credit report per XXXX. 
OnXX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Hi CFPB, For XXXX XXXX XXXX XXXX, my account is current and I am paying on time. could you please remove delinquency reported in XXXX, Transunion and XXXX credit score. XXXX missed payment from the year XXXX and XXXX is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation

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 2023-06-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX Balance : {$9900.00} ; XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: CASHCALL, 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Initiated a bank transfer from XXXX to Coinbase. XXXX sent a fraud warning. I locked my account and froze transfer per XXXX direction. Re transferred money 4 hours later when fraud scare was cleared. Money landed in my Coinbase account. Coinbase allows trading prior to full account transfer. I purchased {$1300.00} XXXX coin. On XX/XX/XXXXmy position in XXXX was liquidated by Coinbase and money was gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
: XXXX : # XXXX : XXXX # XXXX : XXXX XXXX XXXX # XXXX : XXXX XXXX XXXX # XXXX : XXXX XXXX XXXX  XXXX XXXX has 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 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 any consumer reporting agency if the ( A ) ( 1 ) person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-27
Company: National Credit Adjusters, LLC
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The online payday loan was originally taken out in XXXX ( XXXX XXXX + XXXX XXXX ). I had lost my job at the time and didn't have employment for months ( until the end of XXXX ), so I was unable to pay them back. There was no fraud or bad checks written. In that time, the loan was passed off to a collections agency that has used illegal practices. Keep in mind, this is all past the statute of limitations for credit collections and this debt is NO LONGER on my credit report. I will attach a copy, so that CFPB can see I'm being harassed about a debt that's no longer on my credit report. 

The collections company called my cell phone via their number XXXX on XX/XX/XXXX. They NEVER stated the name of their company. When I asked for verification of the debt in written form, I was threatened with them contacting my job, and said I committed fraud by writing a bad check. They ultimately refused to send me a written verification of debt and stated the only written verification of debt that they would send me is a subpoena. I made them aware of the fact that I live in the District of Columbia and it is illegal to harass or threaten consumers under Law # 28-3814, and blocked the number to prevent future harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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 not an attorney or third party rep. I had some issues with my income being affected by theCOVID-19PANDEMIC SHUTDOWN. I was under the 1 CARES Act, Pub. L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am questing some accommodations so I care to protect the integrity of my credit file. 
CREDIT ACCEPTANCE CORPORATION # XXXX account is reporting 30,60 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

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 2021-10-06
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied in XXXX for a student credit card at DISCOVER and was accepted and mailed the credit card, later in XXXX i was asked to fill a form, print it and notarize and mail it to them to further verify my identity and i complied, after i mailed it there was no communication from DISCOVER whether it was received or not ( it was never received on their end ) they did not inform me at all that it was never received because if they had i would have been able to fix this issue swiftly by sending in the same notarized form again by mail within the 15 day time frame they gave me to do this, my credit card was then closed 2 weeks after ( and that whole time i had thought the notarized form they asked me to send them was received ) I call customer support and they told me that i did not even need to go through this whole process and could have easily just sent all the information and documentation they requested online which would have been much more reliable and faster. 
My card was closed unfairly and unlawfully because the form that they asked me to fill, notarize and send was never received on their end for whatever reason and i was not told about it at all until i found out they closed my card because of it. I could have easily provided them with all the information they wanted to verify my identity had I actually been told that they were not able to receive the form i sent them by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was going through a hard time in 2016 I moved back in with my mother I called the car loan place and had them come and pick up vehicle due no job. Four years later I never received a summons to go court they placed a garnishment on me and now they are taking money out of my check every time I get paid. The balance on credit report in more than the balance I see on my check XXXX on credit report on paystub it say still owing 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 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 shows discharged but it has been settled and paid in full

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 2019-03-28
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 2 TIMES 3 DAY PAYMENT : XX/XX/2016 ; XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2021-07-02
Company: Sezzle Inc.
State: TX
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:
Date : XX/XX/2021 Amount : {$78.00} Order # XXXX Sezzle refused to resolve a damaged product/service I received and refund me. 
The company is refusing to honor the Consumer Protection Laws established in the state of Texas

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 2017-12-13
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: Account status incorrect

Complaint:
Back in XX/XX/XXXX I suffered a horrifying XXXX XXXX in which it had left me with a XXXX XXXX XXXX and a few other injuries as well. The car I was driving was a XXXX XXXX XXXX XXXX which I had purchased on XX/XX/XXXX by taking out a loan for {$35000.00} from XXXX XXXX. The vehicle at fault ran a stop sign and drove straight onto my XXXX XXXX I was unable to go about my regular days due to the injuries I had endured, and because of my injuries I was unable to make payments on the vehicle. I paid off the loan in full on XX/XX/XXXX. When I first got the loan from XXXX XXXX I had financed the loan for 75 months and ended up paying the loan off in 10 months. My aunt was my co-sign on the loan and her, as well as me, both did not really understand how insurances or creditors work. We thought that my Gap insurance for the car would cover the full remainder of the loan and that we would n't have to worry about paying any more for it. During the time I was recovering and doing XXXX XXXX I missed a few payments and now its showing as a major delinquency on my credit which is preventing me from opening any new line of credit. I am requesting to dispute this delinquency reflecting on my credit for my lack of payment was not due to a deliberate act, but rather an unexpected accident. I am not a delinquent. I am a responsible XXXX XXXX XXXX in my XXXX XXXX who is in pursuit of becoming a XXXX. Please help me for I feel stuck in this mess. You may be my last hope in pardoning and removing this delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Experian Information Solutions Inc.
State: OR
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 received notice from all 3 credit companies today that a new collection account had hit my credit. I reviewed the account. This is an account from XXXX, which was opened in XXXX. It is now XXXX. This debt is over XXXX XXXX XXXX and has appeared on my credit several times by several different collections companies. I have a current account with XXXX  XXXX, two actually, and have therefor long since resolved this matter. As it reads now it does indicate that XXXX  XXXX was the original creditor however, it states past due as of XX/XX/XXXX and appears as a newly past due collection. This is false. The balance, the account open and delinquent date, all false. An old debt sold to another collection company thats long been settled appearing as a new debt. That is illegal. The companys name is consumer adjustment co.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2019, ONLINE INFORMATION SERVICES, sent me a letter explicitly stating that they have closed the active collection account reporting my credit report ( s ) and were in the process of removing it. To date XX/XX/2019 the collection has not been removed from my credit report ( s ) and continues to negatively effect my credit and pursuit of happiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Marcus advertised that we can open a joint account with myself and my husband. I successfully opened the account in my name, but received an error when adding my husband after having transferred XXXX of our jointly held funds. We called Marcus, and the customer service agent tried to add my husband but the system prevented her. She said to try again online in 24-48hrs and call if that does not work stating there is a manual process requiring additional documentation. We tried again online and it failed. We called Marcus again, a new customer service agent tried to add my husband and the system once again failed. I asked about the manual process, and she was not aware of one. I requested a supervisor who verified the information and suggested we try again in 24-48hrs. He also stated there is no manual verification process to prove identity. Our money is now sitting at Marcus in my name only. Beyond the frustration of Marcus not being able to do what they advertised ( open an joint account ), there are potential legal and tax ramifications. If I die, my husband would not be able to readily access money that he had full ownership of prior to us trying to open this account.

Company response to consumer: Closed with explanation