BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received recent copies of my credit file from XXXX, XXXX and XXXX. I spotted a company with an inquiry that I do not recognize, nor did I authorize. They have pulled my credit file with all XXXX bureaus twice, XX/XX/2022 and XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: JPMORGAN CHASE & CO.
State: GA
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:
Seeking assistance to help facilitate a resolution with Chase Bank in regard to my recently applied for, approved XXXX XXXX. 

Prior to submitting request for assistance, tried numerous times ( over 10 calls ) with Chase Customer Service ( XXXX ). Was unable to secure the correct level to assist, support and make a decision. 

In short, this card was applied for to add to our CHASE portfolio of products and services because of the promotional offer of XXXX points. 

The promotion was not only screenshot but prior to applying, I contacted CHASE to confirm the promotion and if I was able to apply through the CHASE portal directly. I was not only assured of the current promotion of XXXX but also advised I could continue with the link by logging into our CHASE account. 

To further confirm and validate my due diligence, when the card came, there was no other information about the benefits, promotions, etc. I called immediately upon receipt to confirm of same and once again was told the promotion was XXXX. 

Within the first billing cycle we complied with the terms and conditions. I called to inquire as to when the points would come over and was told that it could take 6-8 weeks or two billing cycles. On that call, I again inquired about what would be sent over and they reviewed via a word track, all of the card benefits and conditions and validated the XXXX bonus points. 

This past week, I was notified by XXXX that we had a " benefit '' from CHASE. Upon logging in, it was a digital flight credit - one time use, up to XXXX points. I inquired and was advised it was from Chase. 

I called CHASE once again and was told that they was the promotional benefit. Despite me endless calls, documentation and confirmation I was advised that was the promotion and I could send in an email if I would like to for review. 

This has caused me a great deal of aggravation and stress. We only applied for this card because of the advertised and confirmed promotion from the service center. 

We have been long time and loyal CHASE customers and I am hoping someone at CHASE can look into this as well as the poor customer service received when I needed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was approved for the HSBC cash reward master card on XX/XX/XXXX. I received my card soon after and made several purchases with the card, around 10-20 transactions. After this, my card was frozen and I could no longer use the card. I contacted hsbc, and received an associate within 15 minutes. He informed me I had a fraud freeze on my account, due to a new account, he transferred me to hsbc fraud department. I was placed on hold for an hour before an associate answered, I have her rep number, she sent me a pdf form to fill out and provide additional information on proof of residence on XX/XX/XXXX. I completed the form as soon as I received it and returned it to them XX/XX/XXXX. Soon after I attempted to call to follow up on the email XX/XX/XXXX, XX/XX/XXXX and XXXX. I was placed on hold for 1 hour, 2 hours and 2 minutes and 1 hour and 34 minutes all ended in an automatic disconnect. All of which I retained the screenshots to evidence my attempts to follow up on my account and proof of address, in which, I sent an email with my confidential information in. I attempted to create an online account, but due to the type of freeze on my account I can not create an online account to monitor my account activity or make a payment. It is now XX/XX/XXXX and I have yet to hear from HSBC and my card is still frozen. The card I was approved for was for a vacation trip which I have already taken. I can no longer wait on hold for hours to be disconnected with and need to resolve this issue before my credit is impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: AES/PHEAA
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to get these fraudulent transactions removed from my credit report for over 2 years. I have put countless disputes and nothing has happened. I have not received any response or help or proof regarding why these accounts are still on my report. besides the late payments. the FED STudent loan has accounts on my credit report that have been closed with XXXX balances and they still refuse to remove them. 

This letter is to inform you that my rights have been violated and you have unlawfully reported LATE payments. There are transactions and experiences being reported as LATE on my consumer report and with knowledge of my rights as a consumer in accordance with FCRA : 15 U.S. Code 1681a. This letter will serve as formal notice. 15 U.S. Code 1681a - Definitions ; rules of construction | U.S Code | US Law LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s -2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - Exclusions - Except as provided in paragraph ( 3 ), the term consumer report does not include - ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments are considered TRANSACTIONS and utilization is considered an EXPERIENCE, so I am confused as to why you are reporting late payments from ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( FED LOAN SERV XXXX XXXX ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) when such an action is a clear violation of my consumer rights in accordance with the FCRA ACT! 

As a Consumer Reporting Agency, you hold a responsibility to report Consumer information to the best of your ability with XXXX XXXX. That is your duty and as a consumer, I am protected under the FCRA ACT 15 U.S. Code 1681. If you feel that said protection is not mines to have as a consumer, I will REQUIRE that you provide me with PROOF of an investigation into the accuracy of said late payments and statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to Paid on Time and NEVER late! Or remove it from my consumer report all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Comenity financial provides credit cards to multiple vendors. 

They did an update ( cyber hack ), more than likely and have had to many issue to count going on 3 months now. 

No communication about the true cause of the issue and servicing your account is almost impossible. 

Customer service is non existent and using there preferred method on internet messaging return the same canned reply several days later. 

Payments do not always get applied or even better get applied for a date preceding the date it was actually made. 

Awards are not updated and disappear depending on the day. 

This is a total train wreck of a lending institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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: Account status incorrect

Complaint:
Hello CFBP. I am reaching out again because DEPT OF EDXXXXXXXX XXXX did not correct the errors and they are reporting on the credit reports. I was the process of purchasing a home and lost out of the home due to late payments from XXXX. XXXX has incomplete accounts numbers -showing partial account numbers. Some are showing 90 days back-to-back, while some say 60 then back to 30 back to 90 the 150 days late. I have requested under law fix this by removing this erroneous information. XXXX XXXX XXXX XXXX XXXX XXXX I requested this to be removed immediately. It is against the law to furnish information that is inaccurate. 
There is also payment as if I had paid on some of the accounts. This is also not true.

1. impartial accounts and all three credit reports 2. different amounts and dates on all three credit reports 3. causing great harm to my rights to purchase and it's been an ongoing request that no one seems to take note. 4. When making the attemp
t to write DEPT OF EDXXXXXXXX is showing two different addresses? 
How was this information verified, crossed reference? How? 
I received a letter that they were not going to make changes, while I received another letter that they would remove but can't guarantee the future. The late payments are still showing on All three credit reports again with partial account numbers. 
different dates, different amounts, different actions. 
Because of this mismanaged information. I am requesting this be removed immediately. Not in 30 days. As I had lost the purchase of a home due to debt-ration being extremely too high and late payments. Which all three credit reporting agencies and reporting. I can afford to wait another 30 days for this company to fix this.

I am really needing help. 
Thank you for reading. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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: Information belongs to someone else

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Equifax inadequately protected my personal information, including social security number, and allowed the information to be compromised and accessed by unauthorized people ( hackers ). This data breach was announced on XXXX XXXX, 2017 but happened earlier in the year but was not immediately disclosed by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
From XX/XX/XXXX to XX/XX/XXXX someone was using my cash app to send themselves money somehow wether my phone was hacked card was hacked or a friend was doing it family me never whatever the case I releaized on the XXXX that I was missing funds. So I called the bank immediately and put my claim in A couple weeks Pryor the bank had sent me a suspicious activity notice and shut my card off but I was on vacation with my girlfriend in an area I normally wouldnt be so I just assumed that was the reason for the stoppage and didnt think any big deal about it well turns out that that was bxc of the transactions on my account which I told them I did that well theyre saying bxc it started the XXXX and I didnt submit the claim until the XXXX that was there reason for denying my fraud claim when k was upfront honest and just needed my bank to protect me and refund my money I cried to them on the phone bxc that Im is the most bogus decision Ive ever heard I had them reopen my case I URGENTLY NEED HELP IM RUNNING OUT OF FUNDS AND IDK WHAT TO DO THE CLAIM IS FOR XXXX that might not be a lot to Bank of America but thats everything to me and I have to have my money back

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 2023-04-12
Company: Chime Financial Inc
State: FL
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:
On XX/XX/2022 Chime bank which held my money in a account that was designated as a Credit Builder Account closed the account because they falsely stated that I was using the account illegally. This was not the case, the account was closed with more than {$900.00} in the account. I have been going back and forth with Chime and XXXX  XXXX  for over seven months now and I am just gettin ran in circles. I am trying to get my closure check and a deposit that was made by my insurance company. Chime and XXXX  have reqeusted that I give them an updated address which I have and I have provided the requested documentation. I see on the news they are doing this to many people. 
I filed a compliant back in XXXX and on XX/XX/XXXX Chime said they would return my money and I still have not gotten it. THey lied to me and to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 a XXXX XXXX credit card currently in use with a limit of over {$1700.00} and one that closed with only an approximate {$400.00} limit. The open one was almost maxed out so I paid down all but about {$200.00} of it. Transunion was not reporting the pay off of the credit card so I filed a dispute, asking them to update the balance on the card. It was stating I was at 93 % of my credit usage when it should have been more like 10 %. Once the dispute was completed, Transunion reported the account as closed, dropping my credit score over 80 points. I have tried going to their website and requesting an investigation, but the account is not appearing on my credit report. My wife and I are trying to apply for a mortgage before XXXX of this year, which is why we paid a chunk toward the credit card in an attempt to raise our scores. Please help ASAP.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  DC XXXX XX/XX/2023 Experian Consumer Assistance Center XXXX XXXX XXXX XXXX, TX XXXX Subject : Fraudulent Account Dispute on Experian Credit Report Reference Number : XXXX Dear Experian Consumer Assistance Center, I am writing to inform you about a fraudulent account that has appeared on my Experian credit report. I recently discovered this account, and I am deeply concerned about the potential identity theft or fraudulent activity that may have occurred. I am reaching out to request your immediate assistance in resolving this matter and restoring the accuracy and integrity of my credit report. 

Account Information : Creditor Name : National Recovery Agency Account Number : XXXX Date of Discovery : XX/XX/2023 I have never had any dealings with the creditor listed above, nor have I authorized any account with the account number mentioned. The appearance of this fraudulent account raises serious concerns about the security of my personal and financial information. I want to emphasize that I have taken extensive precautions to safeguard my identity and prevent any unauthorized access to my accounts. 

In accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), I am formally disputing the legitimacy of the aforementioned account. I request that you conduct an immediate and thorough investigation into this matter to verify the authenticity of the reported account. Given the nature of the situation, I urge you to expedite this investigation to ensure the protection of my personal and financial interests. 

Enclosed with this letter, please find copies of supporting documentation that attest to my innocence and lack of involvement with the fraudulent account in question. These documents include identity verification, account statements, and any relevant communication with other creditors or financial institutions. 

I kindly request that you take the necessary steps to remove this fraudulent account from my Experian credit report as soon as possible. Additionally, I ask that you provide written confirmation of the actions taken to address this dispute and the subsequent updates made to my credit report. 

I understand the gravity of this situation and am committed to working collaboratively to resolve this matter efficiently. Please feel free to contact me at XXXX or XXXX if you require any further information or if there are additional steps I need to take to facilitate this process. 

Thank you for your urgent attention to this issue. I appreciate your commitment to accurate credit reporting and your assistance in protecting my financial well-being. 

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 2022-05-26
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: Personal information incorrect

Complaint:
my personal info shows a bunch of different names and addresses reporting. the only name should be XXXX XXXX XXXX all other names are incorrect and false these are the names that are wrong XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX all off the wrong names that are not XXXX XXXX XXXX is attached to accounts not mine please have these names removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
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: Their investigation did not fix an error on your report

Complaint:
I submitted to TransUnion a dispute about my XXXX account. I wrote a detailed letter and provided a full credit report highlighting the errors. I was notified today the dispute was complete so I pulled my report. Unfortunately, TransUnion did not meet their obligations under the Fair Credit Reporting Act. They did not provide answers to any of the questions that the dispute raised nor does it look like they actually investigated as the date of update is XX/XX/2019 which was before the dispute was filed. Therefore, I am filing this complaint to compel TransUnion to delete the XXXX account for inaccuracy as highlighted in my dispute letter.

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 2023-08-11
Company: Experian Information Solutions 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 have reviewed a recent credit report someone has gained access to my personal information and has used it to attempt to gain credit access due to this I have several inquiries reporting to Experian that were fraudulently done not authorized by me, these inquires are putting me in a financial bind and affecting my credit score. 
here are the following inquires, 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 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 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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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