BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked a trip and paid in XXXX of 2021. The same day I booked the trip I noticed that the terms of the hotel were incorrect. The ad stated that it would be " Breathless Adult Only '' resort or similar. The hotel was not similar. The same day I called the company that I booked the trip to cancel. They would not cancel. I then contacted the credit card company ( citi ) to dispute the charge. They told me 90 days to dispute, I sent them the info they requested. I did not go on the trip. I called and emailed several times to get the dispute resolved. I was hung up on several times and told I need to speak to different departments. The dispute was closed and then reopened. I was told it would be handled and it would not be a problem. Now they are charging late fees and affecting my credit and it still shows the dispute is open.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: ME
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I owned a house in XXXX, New Hampshire ( XXXX XXXX XXXX ) and was foreclosed by Wells Fargo in XXXX even though I applied for Mortgage Modification, and thought I was approved but they still foreclosed. I was evicted in XXXX of XXXX but still filed for relief and eventually, as part of a government settlement, I received a check fir {$6000.00} ( the maximum payment ) .... which I tore up and mailed the pieces back! 
My mortgage was 2 months and seven days late and I mailed a check ( which they a cashed ) for the 3 payment .... ... but this did not stop the foreclosure... I also had an equity loan which as up to date and after the foreclosure of the mortgage they unilaterally closed by equity loan... I addition I found out they masked their financial mendacity by making reference to the person we bought the house from and not the foreclosurdeed ... .. Also I had an attorney ( XXXX XXXX XXXX XXXX NH XXXX and he might still have al the record which I left with him for safe-keeping., I thought after all time all was lost but now is the time. 

Thanks 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 2022-02-20
Company: Experian Information Solutions Inc.
State: NV
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:
Over the last several months, I have reached out to Experian to address many inaccuracies they're reporting to my credit file. Although, I've included hard proof of inaccuracy and incompleteness to this file, they've " verified '' one account countless times. I have shown this very account as fraudulent, I've shown the inconsistencies and lack of permissible purpose as they're missing information, have invalid information and are simply not mine without proof provided. This account remains on my consumer report. 

I have sent various correspondence and I've sent this certified mail with return receipts requested. My requests have not been met, I have not been provided any documentation of closed and thorough investigation for maximum accuracy either. This has been happening since XX/XX/XXXX up until currently. The account in question has added illegal interest to this erroneous account as early as XX/XX/XXXX and Experian continuously allows them to report this false information.

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 2024-01-02
Company: TRUIST FINANCIAL CORPORATION
State: UT
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 filed a complaint in XXXX about misreporting to my credit. I have never been late. Truist simply copy and pasted their complaint findings from the prior complaint and never addressed the fact that I have a 30 day late for XXXX. They also didn't address that I discussed this with an agent in XXXX and that agent from their company stated that the 30 day late would be removed. It is still on my credit.

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 2022-02-20
Company: Experian Information Solutions Inc.
State: NM
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:
Time and time again, I have sent written complaints to Experian only to receive a " we didn't get information about " what '' you're complaining about. 

I have several items on my account that are far past the statute of limitations for California AND New Mexico. 

1. XXXX XXXX XXXXXXXX Mortgage account. Statute is four ( 4 ) years. This account ended in XXXX. Experian refuses to remove. 

2. XXXX XXXX XXXX loan. Statute is four ( 4 ) years. This account ended in XXXX. Experian refuses to remove. 

3. XXXX XXXX credit card. Statue is four ( 4 ) years. This account ended in XXXX. XXXX XXXX demanded payment to remove account. Instead, Experian and XXXX XXXX colluded to reset date and refuse to remove. 

Experian will most likely respond by saying I have not provided information, yet I have records of letters sent from XXXX to present, with signatures of receipt. 

Experian routinely drops my score by over 20 points every time I pay my accounts off monthly. They now list me as " fair '' when all other reporting agencies show me as " very good ''. They rarely inch my score up by XXXX or XXXX points while routinely dropping my score by double digits, followed by a " join our Boost Program '' email, which is a false method of raising your credit score. 

Experian MUST resolve these discrepancies on my account immediately by removing these statute passing accounts and stop colluding with 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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2020-01-13
Company: EQUIFAX, INC.
State: AR
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 sent a dispute to Equifax about 3 inaccurate accounts on my credit report that were never investigated within 30 days. On XX/XX/2019 I sent a dispute by certified mail and it shows they received it on XX/XX/2019. Approximately a week later I received a letter back stating that I needed to send in additional documents to verify my identity. I sent in all additional documents that Equifax requested by certified mail that they received on XX/XX/2019. After sending in all the additional documentation that they requested, I never received anymore letters about the outcomes of the disputes. Equifax never investigated these disputed accounts in the 30 day time frame, nor did they state in my credit report that these accounts were being disputed. These are XXXXwo violations that should of gotten these accounts deleted so I sent another certified letter on XX/XX/2019 informing Equifax that these accounts needed to be deleted because of these violations but that did not happen. Instead of deleting the accounts because they failed to abide by the law, they went ahead and investigated the accounts and confirmed that they were accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: EQUIFAX, INC.
State: NV
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:
The misinformation, inaccurate data and false accounts reporting on my Equifax consumer file is blatant neglect on this CRA 's part. Their lack of transparency with their investigation and willingness to furnish false information instead of maintaining maximum accuracy as outlined in the FCRA is ridiculous. 

Since XX/XX/2021, I have sent certified mail and documented my process concerning the inaccuracy of my consumer report. There is erroneous information reporting on my credit such as XXXX XXXX XXXX and XXXX XXXX in the sums of {$1700.00} and {$230.00} that have not been verified, the lack of sufficient proof has been polarizing in terms of receiving no further documentation of their findings like I requested. Equifax has not been concerned in assuring the validity of these debts and the claim that I owe them. They're also not in compliance of federal and state laws as I was given no notice before they reported to bureaus, upon disputing they have came back " verified '' without showing permissible purpose to attempt too collect these debts and have had complete disregard for FDCPA laws. 

After reaching out to Equifax for months concerning these accounts and the companies helping them furnish fallacies I sent correspondence letting them know my next steps and have yet to receive a document of what I originally have been asking for concerning the questionable information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit 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:
In XX/XX/2023, Chase falsely advertised a promotion offer to get me to sign up for a credit card. I followed the exact requirements of the promotion offer, but I never received the promotion I was entitled to. Chase has repeatedly failed to remedy the situation. 

I opened a Southwest Rapid Rewards Credit Card with Chase on XX/XX/2023. Chase and XXXX advertised a promotion from XX/XX/2023 to XX/XX/2023 that if you signed up for a XXXX XXXX Credit Card, you would earn a Companion Pass ( allowing a designated companion to fly with you for free ) once you spend {$4000.00} in 3 months. I clicked on an advertisement for this exact promotion to sign up for the credit card. 

I met the {$4000.00} spending threshold as of my XX/XX/XXXX credit card statement. By XX/XX/XXXX, I had maintained an active Chase account for 3 months. 

In XXXX, XXXX, and XX/XX/2023, XXXX repeatedly confirmed on the phone that I had received this promotion offer and that the requirements I described were correct. But Chase repeatedly claimed on the phone and in written messages that the promotion did not appear on my account. 

I clearly signed up for the card during the promotion dates and met the spending requirements. I sent Chase evidence via internal message that I clicked on this exact promotion offer to sign up for the card, that this promotion offer was valid on the date that I signed up for the card, and that I met the spending requirements within the first 3 months of opening my Chase account ( those documents are attached ). Chase refused to remedy the situation. 

Today, XX/XX/XXXX, I called Chase and gave them XXXX more chance to give me the promotion offer that I had rightfully earned. XXXX of the Chase representatives claimed that he couldn't apply the promotion to my account now because the offer had expired. The offer expired on XX/XX/2023, but IT WAS VALID on XX/XX/2023, the date that I signed up for the card. I signed up for the card explicitly because Chase advertised this offer to me! 

Chase 's false advertising and horrible customer service has forced me to pay full price for XXXX XXXX flights in 2023 totaling more than {$2000.00} that should have been free with the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited four {$500.00} money orders on Saturday XX/XX/XXXX via the closest ATM to my location. You credited my account with a note underneath it stating that the monies would be available on XX/XX/XXXX. On XX/XX/XXXX you subtracted each of the {$500.00} money orders one at a time - throwing my account balances in whack, collecting insufficient funds fees to the amount of {$140.00} for transactions that were covered from a different deposit. 

After reaching out to XXXX they connected me to the website to track using the money order serial numbers and all for money orders cleared on the ninth. https : XXXX? XXXX XXXX serial numbers : ( 1 ) XXXX ( 2 ), XXXX ( 3 ), XXXX ( 4 ), and ( 5 ) XXXX. 

I have screenshots and will be submitting them to the CFPB to fine your organization & be investigated for fraud. How much interest do you collect on other peoples money without legally being allowed to do so? 

BANK OF AMERICA HAS STILL NOT RELEASED THIS {$2000.00} DEPOSIT HOLD ~ which I just proved was cleared on XX/XX/19.

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 monetary relief
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: MO
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 repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 non-monetary relief
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXXXXXX

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 2023-08-15
Company: Experian Information Solutions Inc.
State: NY
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:
I am submitting another CFPB complaint directly to Experian and XXXX Credit Bureaus, as when checking my XXXX Credit Report, I found that the fraudulent inquiry I requested to remove was no longer be seen in my credit report. So I kindly request to the remaining XXXX credit bureaus to fully remove these remaining fraudulent inquiries from my credit file : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally request the removal of a debt from my credit report due to the failure of XXXX XXXX XXXXXXXX XXXX XXXX to comply with the provisions of Law 1006.34. This law protects consumers by establishing specific guidelines for debt collection practices and granting consumers certain rights and remedies. After thorough review of my credit report, I have discovered that an invalid debt is listed on my account. The debt in question is associated with XXXX XXXX XXXXXXXX XXXX. Pursuant to Law 1006.34, debt collectors are required to validate a debt upon request within a specified timeframe. Failure to provide proper validation or demonstrate that the debt is valid and enforceable renders the debt invalid and unenforceable, as well as necessitates its removal from the consumer 's credit report. This company has failed to respond within the specified timeframe or provide any evidence validating the debt. I kindly request that you remove the invalid debt from my credit report immediately. It is important to note that any negative reporting or reference to this invalid debt on my credit history is inaccurate and unjustifiable. I trust that you will handle this matter with utmost diligence and in accordance with the laws governing credit reporting. Thank you for your attention to this matter and for upholding the consumer rights. I look forward to a swift resolution. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-16
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
On XX/XX/2019, I was double billed by Navy Federal Credit Union ( NFCY ) for a car I rented in XXXX XXXX, Iowa. 

I reported the matter in upon receipt of the credit card bill per the Fair Credit Billing Act ( FCBA ), and again in XXXX. Please see Pages 1 - 11 of the attachment. 
NFCU acknowledged the dispute on XXXX XX/XX/2019. Please see Page 13 of the attachment. 

During XXXX and XXXX, I responded to NFCU 's questions. A record on these interactions is provided as Pages 13 - 18 through 33 - 51 of the attachment. 

On XX/XX/2019, NFCU advised that they were refusing to reverse the duplicate charge, noting, " As of the date of this letter, we have not received any correspondence from you. Therefore, we have concluded or investigation and determined that no billing error occurred. '' Please see page 52 of the attachment. 

Today, XX/XX/2019, I called NFCU and requested to speak to an ombudsman or someone higher up the chain authorized to discuss disputes. I was instead forwarded to the same Credit Card Chargeback and Resolution Section that had previously denied my claim. The agent, who gave her name only as XXXX but refused to provide a last name, first denied that NFCU had ever received any correspondence from me. 

When I noted that I have Express Mail Receipts signed by XXXX XXXX and marked " agent '' ( please see Pages 13 and 33 ), XXXX changed her position and admitted NFCU had in fact received my responses. She then said that the time NFCU is prepared to spend on this has expired, and the credit union refuses to reverse the charges. 

When I again asked to speak to a credit union ombudsman or similar official for higher level appeals, XXXX announced that there was no such position and the matter was closed. 

I ask that your office review the attachment in accordance with relevant Federal laws, and advise whether or not NFCU acted correctly. If not, I ask what options I have under the law going forward to reverse this double billing and the interest NFCU is charging for it. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief