BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2021 I came across an ad from Chase Bank offering a combined cash bonus of {$520.00}. The offer was a 3 step process and expired on XX/XX/2021 ( photos attached below ) : ( 1 ) Get {$220.00} for opening a Chase Total Checking and setting up direct deposit within 90 days, ( 2 ) Get {$200.00} after spending {$500.00} on purchases in the first 3 months from opening a Chase Freedom Unlimited Credit Card, and ( 3 ) Get an extra {$100.00} bonus for opening a Chase Total Checking and chase Freedome Unlimited credit card within the promotional time frame. Each product had it's own click to " open an account, '' which I followed accordingly. There was no mention of coupons or codes. 

Since then I have received {$220.00} into my Chase Total Checking onXXXX ( photos attached below ) as well as the {$200.00} bonus towards the Chase Freedom Unlimited in the form of points ( XXXX points for the equivalent of {$200.00} ). However, I am still waiting for the extra {$100.00} bonus. Since then I have made numerous attempts, through the Chase Online Banking secure message center and with customer service reps. via their customer service line with no avail. I have consistently been given the run around because I am unable to provide them a " coupon code, '' which the website never mentioned. I am forced to file a complaint to find a resolution for an issue that has been ongoing for over a month. All I am wanting to accomplish is getting my bonus or at least an understanding of when and where this bonus would be deposit/credited to. It seems like no one has a clue. 

I have included contacts via the Chase Online Banking secure message center below which contains a case number in the event this is helpful. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-18
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection company is I C SYSTEM INC. The original creditor is XXXX XXXX. I had an outstanding bill of {$440.00} in XX/XX/XXXX. I paid this amount inside a XXXX XXXX  store on XX/XX/XXXX in order to get my service at XXXX XXXX   started again. This company is trying to collect a debt that has already been paid to the original creditor. I called XXXX XXXX and they told me that I don't owe them anything. I called this company to let them know that they need to contact XXXX XXXX but they kept on with their collection and did not contact XXXX XXXX. XXXX XXXX would not have opened up my account again I'd I had not paid.

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 2017-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
State of Georgia has no process or support for withdrawl of paid liens or liens made in error. Contacted credit bureaus informing them that the lien on my credit report is not accurate and have not made any headway

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 2023-08-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
these debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. more so they didn't follow the proper 5 step validation procedure which makes this unfair practices. according to the FDCPA i'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2022-07-20
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear American Express, IN RE : Credit Card Account Ending in XXXX I am contacting you all in regards to the transaction in the amount of {$14000.00} that posted to my account on XX/XX/22. 

I previously reported this transaction as fraudulent, however, American Express sent me a letter stating the transaction was determined to be valid, even though XXXX has provided me a statement stating that they never provided American Express with any evidence or data that would have shown the transaction to be valid. This transaction was the result of identity theft and I reported this transaction within 45 days of it happening, however, American Express is now saying they have no record of said complaint even though I reported this matter. And then re-reported it months later. I am hereby requesting this transaction amount immediately be removed from my American Express balance given XXXX did not provide any evidence that shows this transaction to be valid, and given I reported it within 45 days of it happening and then re-reported it months later and then just recently reported it again which can be found under CASE ID # XXXX. I furthermore would like this transaction removed from my transaction history given the fact that I just recently reported another fraudulent transaction which happened on my account on XX/XX/XXXX with the same merchant in the amount of {$500.00}. 

I believe someone is creating a fake account trying to pretend as though they are me and charge my account. That matter was reported on XX/XX/22. 

I furthermore dont understand how American Express thinks they can put this amount back on my account when XXXX has told me the seller for this transaction provided no response to the claim filed in relation to this transaction and that they did not provide any evidence showing it to be a valid transaction. 

Therefore, I hereby request American Express remove the amount of {$14000.00} from my account balance immediately while this matter is being Investigated and that American Express then permanently remove the transaction amount from my account balance given this transaction was the result of identity theft and was fraudulent. 

In the event this is not done my attorney will be filing a lawsuit against American Express for trying to make me pay and for adding an amount to my account balance that was a fraudulent transaction. 


Please send this correspondence to American Express Legal Department as well. 

To find my account please use XXXX XXXX Thanks. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
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: Their investigation did not fix an error on your report

Complaint:
Ive disputed these items on my report XXXX XXXX XXXX with no change in status on my report. The reports show I opened two accounts on the same date XXXX with the same balance status date and balance all identical. There is no way possible I couldve opened two separate accounts the same day for the exact same amount.Both of these accounts are charge off accounts and are in complete error please remove or delete from my report. Thank you. I will attach the information from my 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 2022-10-24
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PNC Bank holds my mortgage. My homeowners insurance increased, so as a result my monthly payment increased from {$2500.00} to {$2500.00}. I never received notice of the increase, so in XXXX, I paid the normal amount of {$2500.00}. 

Later in the month, I received notice that my loan payment was underfunded by {$53.00}. The notice said to send the {$53.00}, which I did IMMEDIATELY upon receiving notice. I was charged a late fee of {$83.00}. 

The bank -- despite instructing me in a letter to just send the additional funds owed in order to rectify the issue -- decided to NOT deposit my original payment and instead for some reason mailed me a check for {$2500.00}. So, rather than accepting the two partial payments ( {$2500.00} and {$53.00} ) I have sent, which combined is the full payment for the month of XXXX, they recorded me as not paying my loan at all. 

Despite NINE phone calls to fix the issue, PNC has now reported me to a credit agency and has threatened to take action to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: The CBE Group, 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:
XXXX has been non-compliant with removing the unverified account CBE GROUP which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CBE GROUP was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: MI
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/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: MD
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 submitted a credit bureau investigation to Equifax for inaccurate information being reported on my credit report and i still haven't received my dispute results and it is way past the 30 days allowed by law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a real good friend who has a checking account with SUNTRUST BANK in XXXX, Ga. He put me on his checking account in XX/XX/2008 after he had a real bad scare that he might die, instead he lost his right leg. He did this so that I could take care of his bills in case he couldnt. On or about XX/XX/2018 he had a massive XXXX  and was found by his EX DAUGHTER-IN-LAW and sent by ambulance to the emergency room. That left her with his keys to everything hes got, his wallet, identification and his ATM CARD without a pin number, she then took the ATM CARD and used it as a CREDIT CARD with no pin and charged over {$3000.00}. He then went to a nursing home for rehabilitation on XX/XX/2018. In the meantime I was trying to get in touch with him on the phone because we talked every week at least one maybe more. When I could not get him I called his grandson that was staying with him, the grandson told me a great big lie. So I kept trying to get my friend on the phone finally call me form the nursing home to tell me where he was at. He was took back to the EMERGENCY ROOM on XX/XX/2018 where he was put on a ventilator and couldnt communicate with anyone till his death on XX/XX/2018. I have documentation from the Sheriffs Department and the District Attorney Office that this is Transaction Card Fraud.

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 2017-04-17
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Other fee

Complaint:
I am an XXXX military member and signed up for the Barclaycard 's Luxury MasterCard Gold Card which carries an annual fee of {$990.00}. It became well known though that they would waive the annual fee for XXXX military members and lower the APR to 0 % while the cardholder is on XXXX. This is the case when I signed up and was informed that they indeed were providing those additional benefits under XXXX. Those benefits are above what XXXX calls for, but nonetheless, they are benefits that were promised and initially granted. I was told that I would pay no annual fee as long as I remained on XXXX. 
About a month ago, I received a letter stating that they would no longer waive the annual fee and that they were not grandfathering me in, although I had already signed up for the card about 7 months ago and was explicitly told that I would not be charged the annual fee ( the 0 % APR remains in effect ). They have reversed course on a deal that they were providing ( understandable ) and were not going to honor that deal that they had already made to current members ( not so understandable ).

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 2023-08-28
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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. I have filed the correct paperwork and sent it to the credit reporting agencies. They have not processed it correctly and have not attached the paperwork to my disputes correctly per the FCRA. Also, I have asked for copies of the verification per the FCRA and not gotten that. 

These are the accounts.. 

XXXX XXXX XXXX XXXX XXXX XXXX TN Child Support

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 2022-07-20
Company: Experian Information Solutions 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:
In the month XXXX of 2022 XXXX XXXX XXXX produced a late payment towards my credit report in the amount of XXXX XXXX I've tried to contact the company with no response back so in accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-07-20
Company: V and H Portfolio
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 asked this company to validate the debt and provide documentation. With them showing as the collection agency they should be able to provide me with information. They were not able to provide any documentation and they are still showing up on my consumer report even though I asked for it to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
i found that this account is not belong to me and i found that this account is damaging my financial life

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 2022-07-19
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to CREDENCE RESOURCE MANAGE and asked them to provide me with a signed agreement between me and them opening, proof of the last 4 payments I made to them, along with a state identification used to open the account. I have not receive a response from them. This was over XXXX ago. This negative item is showing up on XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13
Company: Experian Information Solutions 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:
Experian and XXXX  credit bureau 's along with the Original Creditors have been reporting negative information at least 2 years on 3 accounts in my credit files.The accounts were investigated and deleted from XXXX XXXX in XX/XX/XXXX while the other CRA 's refused to remove the erroneous items after numerous rounds with them and the suppliers of the information. I sent numerous FCRA 611 and 623 certified letters with either no response or with little documentation to warrant reporting of the items in violation of the FCRA for both the CRA 's and Original creditors. Yet, they continued to verify that the information was complete and accurate after investigation/re-investigation. In the instance of XXXX XXXX, they reported amounts owed of XXXX on previous disputes then jumped to XXXX in others with no proof to substantiate the debt or response to 623 letters. XXXX XXXX XXXX responded to 623 letters only saying they verified that the information to be true and correct but I have yet to see and documentation from them proving this. XXXX XXXX XXXX was the same in their refusal to delete even though the CA they sold the account to had deleted the negative information in XXXX. All the information that was investigated and re-investigated shows inaccurate and different information across all the CRA 's so how could it possibly be verified as accurate and complete based on credible investigations?

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 2018-10-12
Company: Credit Counsel, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
In XX/XX/2016 we hired a company to do stainless steel ( the most expensive ) to avoid to get rusty or need maintanance ) railing instalation. 
pictures of rusty material : XXXX XXXX  XXXX The original amount was {$20000.00}. 
We paid {$4000.00} as you can see the attachment. So even the letters that the collection company sent are incorrect since the Balance due is {$16000.00}. 
Also the rails are not up to code and we will need to pay another company to do a new one. The problem is not only the rusty. 
Check the architect message attached : The engineer-designer needs to review these and incorporate the ADA requirements. This design does not meet the criteria required by current Florida XXXX XXXX - Accessibility and the ADA. 

The company XXXX XXXX XXXX ( rail company ) installed materials that are rusty since the day they installed and have parts broken. 

I hired a lawyer, XXXX XXXX, to contact XXXX XXXX XXXX  and inform that materials have problems and we need change everything or more payments wont be done. 
XXXX XXXX XXXX didintchange the material and hired a collection company, CREDIT COUNSEL INC by XXXX XXXX XXXX to collect the money. 

XXXX XXXX XXXX : 1 ) calls frequently even being informed to contact the lawyer XXXX XXXX XXXX.

2 ) Does repetitious phone calls that are intended to annoy, abuse, harass any person answering the phone. 4 persons have been insulted by him already.

3 ) He uses profane language 4 ) He threats and screams every time so we hang up the phone.

5 ) Sometimes he calls, start to talk without telling who is and then he starts to scream and use abusive language.

6 ) He send letters with amounts that are not the correct amount that we have to pay after all is fixed.

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 2018-02-16
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX - Buy XXXX XXXX from XXXX XXXX XXXX and Westlake Finance as the financing company with {$6400.00} Amount Financed 10.15 % APR, 36 months to pay with a Financed Charge of {$1000.00}, Total payment of {$7500.00} and payment of $ XXXX/month for 36 months beginning XX/XX/XXXX XX/XX/XXXX - cancelled the extended warranty worth {$1300.00} So now the Principal Amount/Amount Financed was reduced. 
The WESTLAKE FINANCE told me to pay the same amount $ XXXX/month, nothing has been reduced, so I asked them to send me a new updated accounting but until now nothing. 
What I understand is my payment of {$200.00} have a fixed rate, meaning fixed monthly Finance/interest charge and fixed monthly Principal amount, but every month said interest and principal amount keep on chaging. Again I asked them thru email to explain. 
I have made 4 monthly payments already and the account statement that they are sending have different amount in interest and principal, and until now they have nit sent me an updated account where I can see how long will I pay and the adjusted amount and every important details that can be easily understand.

Company response to consumer: Closed with explanation