BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have a Chase XXXX XXXX credit card for which one of the benefits is that you receive {$25.00} in XXXX " XXXX '' credit every six months. On XX/XX/XXXX, I received {$25.00} in XXXX credit from XXXX. Then, on XX/XX/XXXX, I received another {$25.00} in XXXX credit. At that point, my account had {$50.00} in credit. Ten days later, on XX/XX/XXXX, {$25.00} in XXXX credit expired without warning. I booked a flight on XX/XX/XXXX which made use of my remaining {$25.00}. On XX/XX/XXXX, I received another {$25.00} in XXXX credit from my XXXX XXXX credit card. I booked a flight and used the credit, but then had to re-book the flight, so I cancelled it. When I went to re-book the flight, I was told I could not use my credit because some department at XXXX had to " verify '' the cancellation. I booked the flight on my XXXX credit card ( a separate Chase card from the XXXX card ). About a week later, the {$25.00} XXXX credit re-appeared in my account from the previous flight cancellation. 

There are two problems here. First, my XXXX balance should be {$50.00}. It is not reasonable for XXXX credit to expire in ten days, or even three months. The XXXX Terms and Conditions do not say anything about expiration at all ; terms 25 and 26 at XXXX XXXX XXXX ( " XXXX XXXX expiration '' ) are erroneously the same as terms 23 and 24 and do not reference expiration. XXXX has designed this page so that the terms can not all be printed at once. Second, I should have been able to use my {$50.00} XXXX credit when I re-booked my flight on XX/XX/XXXX, confirmation number XXXX. I could not. When I today to find out if I could apply it retroactively, I was placed on hold for about an hour and told that the relevant department was closed ( after being told that only XXXX could help me, which turned out to be incorrect, apparently, because they couldn't ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: IL
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 did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? This incorrect information on my credit report is causing problems when I try to apply for credit. I would like to have this account deleted from all 3 credit bureau 's. Can you investigate this matter because how are all these companies reporting inaccurate information across all 3 bureau 's.

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 2023-03-08
Company: Genesis FS Card Services, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Genesis Credit shows I opened two accounts with them. I have just one account with them. Below is a log of my contact with company : Called XX/XX/XXXX and was told to send copy of credit report. Faxed on XX/XX/XXXX Called XX/XX/XXXX to see status. Was told it takes 5 business days to receive a fax. 
Called XX/XX/XXXX. Was told to refax information again Started dispute with XXXX on XX/XX/XXXX Faxed again on XX/XX/XXXX Called again on XX/XX/XXXX. No help once again. 
Filed complaint with XXXX  on XX/XX/XXXX. 

My credit report with XXXX still shows two account with Genesis Credit. The results from the XXXX dispute does not address the issue I filed with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is a CFPB Complaint I am submitting regarding the Fraudulent accounts and information I found being reported on my Credit File. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID THEFT REPOT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Please remove the following fraudulent items : 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 Balance : {$610.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$590.00} XXXX XXXXXXXX Balance : {$9700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX  XXXX Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$540.00} 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 I have read that you are expected to comply with the Fair Credit Reporting Act section 605b and remove the disputed items within the time allowed by law, so please do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: TX
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 Credit Card with account # XXXX opened on XX/XX/2017 and a balance of {$XXXX} This account is incorrectly being reported as a charged off account with a balance to {$XXXX} or delete the negative payment status on this Account Collection account from XXXX XXXX XXXX with account # XXXX and a balance of $ XXXX.The Original creditor is 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 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: NE
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 submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal action. Below is the list of the fraudulent items I found on my XXXX report and I need you to remove each and everyone of them : 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 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  According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2023-01-23
Company: Experian Information Solutions Inc.
State: TX
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 Credit Card with account # XXXX opened on XX/XX/2017 and a balance of {$390.00} This account is incorrectly being reported as a charged off account with a balance to {$0.00} or delete the negative payment status on this Account Collection account from XXXX XXXX XXXX with account # XXXX and a balance of $ XXXX Original creditor is 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 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the 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 2023-01-23
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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. I need those issues settled after this complaint. 
Here are the accounts that need updating : XXXX XXXX Balance : {$180.00} XXXX XXXXXXXX XXXX Balance : {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently sent Equifax a letter informing them to send me how they are verifying the account listed on my credit report ( XXXX XXXX XXXX ) because I also challenged these accounts with XXXX XXXX XXXX and per XXXX XXXX XXXXXXXX investigation they was not able to verify the above account. I have also sent all three companies an identity theft report however Equifax keeps posting this account under my credit report as verified and have yet to send me any information on how this account is proving verified on their end. Attached is the letter I sent to Equifax and a copy of the identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo incorrectly charged fees to my account 2011

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 2023-01-23
Company: EQUIFAX, INC.
State: AL
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: Didn't receive services that were advertised

Complaint:
I was offered this server for XXXX  Month an they refusing to provide me that service

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
i tried to open a checking account at XXXX and aslo XXXX XXXX  and they said no its was some fraud going on with chexsystems please have what ever remove so i can open up my checking account

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: NC
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: Overcharged for something you did purchase with the card

Complaint:
I have a business credit account that I used to pay taxes at the end of the year. I called to verify that nothing was on this business card prior to me using it and there was a XXXX balance so I paid taxes using this crrfit card for the year 2019. After I paid the taxes I took {$5000.00} cash to the bank to pay the card off off. I continued to receive statements stating I owed this money after it was paid off. I contacted Wells Fargo with this complaint and was told they could not go this far back and tell me what the charges were from years earlier and this was because the card already paid off. So I have paid this money off that was already paid in cash. Unfortunately at the time, I didn't have time to dispute as I would have normally done and didn't want anything on my credit so I just paid it. We have been doing business since the XXXX days and I have never been so disappointed and is actively looking for someone else to take over our business accounts. This company gets more disappointing yearly with fraud and abuse. Although, I feel this will still never be addressed as previously at least I have made the company aware.

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 2023-01-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Date of Birth : XX/XX/XXXX SS # : XXXX I sent out letters to XXXX, XXXX and Experian requesting to Remove Inaccurate Credit Information off my credit report. 
I have the right to challenge and dispute any errors and any discrepancies on my personal credit report. 

I received a copy of my credit report and found the following items to be in error below XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it 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 2023-01-16
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2023-01-16
Company: EQUIFAX, 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 in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report dated XXXX, Equifax / XXXX / XXXX has not responded/ replied / answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX Date Opened : XXXX  Balance : Balance : {$17000.00}. I believe it was reporting in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX : {$0.00} ; XXXX  XXXX XXXX  : {$3000.00} ; XXXX XXXX  XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXX ( Original Creditor : XXXX AT T ) XXXX XXXX  : {$1800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  : {$1400.00} ; XXXX  XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX XXXX  : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PA ) XXXX XXXX  : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PA ) XXXX XXXX  : {$750.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX  : {$420.00} ; XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation