BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: JPMORGAN CHASE & CO.
State: PR
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:
Hello, I opened a credit card from chase ( XXXX CREDIT CARD ) One of the perks of the credit card is to obtain ( XXXX-miles ) with everyday purchases. They had an offer of spending {$5000.00} in 3 months you get XXXX miles. After a few months, my points never arrived in my account. After several calls to obtain my miles they refuse to validate my offer and benefits. Chase open an XXXX XXXX card number on my behalf. That's the only way you can have access to the miles. I did not get any instructions or access to my account and miles. I called XXXX more times than I could count to see if I could get access to it. The number doesn't exist and Chase tells me it does. Back and forward the situation goes nowhere. I requested a voucher for my points since they cant do anything to get my offer or benefits. And the answer was no. I dont have an email or phone number to contact the department I can reach to help with my inquiry. Customer service did not help at all. They want me to call XXXX and do all the work. On top of all when you are in your chase account the part of redeeming your rewards takes you nowhere. Without the XXXX XXXX  number, you cant do anything. I have proof of EVERYTHING. Again, they dont want to validate my offer or benefits after several calls. With zero options for getting my miles. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
Company: HW Holding, Inc
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I been having this problem every time I do a background they steady saying I owe her XXXX for back rent when she never toke me to court she verbally agreed to let me out my lease and waited two years to put it on my credit report I Disputed it and it was took off now she put it on my rental history I want it off my rental history and credit report once and for all with On XXXX XXXX and HUNTER WARFIELD every time I dispute it they put it back on she never took me to court and then apartments was a hazard to me and my kids and when I told her I was gon na take her to court she agreed to let me out my lease but then did this two years later

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account for SYNCB/CARE CREDIT is incorrect on my credit report. The last activity date is reporting different for all three bureaus. This is information is inaccurate and it need to be investigated.

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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
hello my name is XXXX XXXX i have an error on my credit file has and error i calls a dozen times to correct and sent countless letters to have remove that is which is due to fraud and is still giving fraudster access to my credit information here are the addresses XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX XXXX, Pa XXXX please im begging you to remove these addresses immediately the only address that should be listed is XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX and remove phone number XXXX which is a fraudulent phone number used to obtain credit, this is stoping me from helping my XXXX son from getting XXXXXXXX XXXX  help and remove this is hurting my family

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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Somebody fraudulently opened a credit card in my name at a credit union I have never done business with. Im disputing it on my credit report as well.

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 2022-12-01
Company: Winklevoss Exchange LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2022 I requested a redemption from Gemini XXXX product of {$110000.00} and they have failed to meet the redemption according to their Terms of Service of 5 business days. A pending redemption was scheduled to be deposited on or before XX/XX/2022, but still has not been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hello, I received a copy of my consumer report last week and I see there is a account open under my aunt and uncle address. I never opened a Wells Fargo account under there address. I need this account investigated.

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 2022-12-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX. I saw the charges for the incremental withdrawal of funds all made on XXXX XXXX for the amount of {$6900.00}. 

XXXX. I called in the claim that day ( XX/XX/XXXX at around XXXX XXXX ) XXXX. Claim person stated that it seems that my digital wallet was compromised. Because of this I was instructed and walked through updating my online account with a new username and password. 

XXXX. The bank then issued me a new debit card and I received the email confirmation for this at XXXX on the XXXX. 

XXXX. Bank then put the money back into my account XXXX. Two weeks later on XX/XX/XXXX the bank took the money out of my account without explanation. Had I not checked my bank account, I would have never known it was denied. There was no prior notification. 

XXXX. I only learned at this point the importance of making a police report. No one from Chase even suggested that this is an important step. Therefore, I did report this to the XXXX XXXX police department on XX/XX/XXXX, reference number and report attached. I would not have filed a false report knowing the severe criminal consequences in doing so. 

XXXX. I was then verbally told in person on XX/XX/XXXX by XXXX XXXX ( Assistant VP of Private Client Banker ) that my claim was denied because it was purchased with XXXX XXXX. I made XXXX aware of the police report and he seemed ambivalent. He did not show any interest at all in obtaining a copy. 

XXXX. An appeal was processed ( without my having not yet requesting it ) and again was told via phone call from XXXX from the escalation department that the claim was again denied and it was their final decision. 

XXXX. I told the bank that I do not have XXXX XXXX. I have an XXXX and I pay via XXXX XXXX. I have never ever had a XXXX phone or XXXX pay app. My XXXX bills are attached with my device type and phone number circled. When you XXXX  it, multiple sources confirm that a user can not have XXXX pay on XXXX or XXXX Devices ( see attached document ). I told them this many times and no one got it. They refused to understand the logic that you can not use XXXX pay on an XXXX  device. 

XXXX. I also mentioned that initially it was thought that my digital wallet was compromised. Obviously this person mentioned in point # XXXX above, understood this was a clear case of identity theft. 


Questions : XXXX. Shouldn't denials of claims be in writing? 

XXXX. Shouldn't I have gotten all the information ( e.g., copies, data, etc. ) of everything the bank is using to deny my claim? 

XXXX. Shouldn't the bank have contacted the merchant to get " their side of the story ''? ( If they can not identify the merchant, how can they deny my claim without having done that? )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: WA
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 sent a letter on XX/XX/2022 to remove these Incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX, WA XXXX, and XXXX AA XXXX XXXX XXXX XXXX, WA XXXX, Fraudulent accounts XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX : {$27000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$14000.00}, and ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00}, and erroneous name : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again. According to FCRA Section 605B ( 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 4 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 non-monetary relief
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The following information included in my Ftc report is fraudulent I demand immediate removal I'm in the middle of purchasing a home and this has affected e as I have reached out to credit bureaus to resolve this fraud. Violation of my consumer rights 15 USC 1681 law prohibits false information from being reported immediately remove these items i have attached ftc.

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 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This information is for Complaint # XXXX, established on XX/XX/XXXX. This complaint number does not yet show up in this account. I have uploaded eight pages of documentation. 

I have been trying to resolve this issue since XXXX of 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 2022-06-08
Company: Consumer Portfolio Services, Inc.
State: CA
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 went to the dealership for a new car and I picked out a XXXX. They told me they would run my credit under XXXX lenders only. Days later I saw a XXXX inquiries I didnt approve of. They lied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: MN
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:
15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT I did not give permission to report on my consumer credit. 

XXXX & Equifax is in violation of the law. Under 15 U.S code 1681- Permissible purposes of consumer reports. a ) general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my account my consumer report Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT. report containing information solely as to transactions or experiences between the consumer and the person making the report. So therefore this company is sharing my private information. also the late payments and payment that's been made are transaction from me ( Consumer and the person that's making the report I called and ask for them to remove the late payments from my account and the rejected my request i did caught up on my payments so now I am current and the late payments are effecting me to get approved for any credit since it is new. I need the month of ( XX/XX/XXXX, & XX/XX/XXXX, for my payment history update to on time payment paid as agreed ) 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 
15 USC 1692b Not state that such consumer owes any debt ; Analysis A debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same. 
Telling a third party that you owe a debt is illegal! First, it may not be true thus unjustly damaging your reputation and second, it is simply nobody elses business. 
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
The company is Navy Federal Credit Union car loan XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: KEYCORP
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I took out this loan while XXXX XXXX in 2005 the original amount for was XXXX. XXXX Ive paid XXXX ( XXXX over the cost of the original loan ) I still currently owe a place of XXXX. I called key bank and aes to look at the history of the loan because by the time its paid off I would have paid more than XXXX on this loan. I believe this is a case of predatory lending as I did not know this payment originally was for 20 years for XXXX. The minimum payment on the loan was so low that I would never have paid if off. I called about 5 years ago to have the loan reviewed thats when I found out the term of the loan was for 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: EQUIFAX, 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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. The did not do this. Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account XXXX XXXX XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO XXXX XXXX ( XXXX XXXX XXXX & ALL CREDIT BUREAUS AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company.This account has been reporting to my file since XXXX I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX  in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN or Credit Card ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Colony Brands, Inc.
State: OH
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/XXXX I sent Monroe & Main a fourth complaint as well as CFPB to do an investigation and of an account on my credit report. The account is showing a balance of {$240.00}, which is inaccurate. I do not owe them any money. This account status is also stating charged off with a balance which inaccurate. This account also appears to re-aged charging off or collections back in XX/XX/XXXX. Your investigation from complaint # XXXX, XXXX, XXXX, XXXX shows the account was updated. What was updated? Who did you speak with? I am demanding that this inaccurate and incomplete account be deleted from my report. According to FCRA violations and FDCPA violations. The original creditor has NEVER sent any information to respond to any of my request for an investigation. How are the able to update and illegally re-age this account?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: TN
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 Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: AXOS FINANCIAL, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, my checking account at Axos Bank was frozen. This caused them to return two pending XXXX XXXX payments. This meant my credit card account relationship was damaged, and I was charged a {$35.00} return payment fee. 

In order to unfreeze my account, I sent the requested documentation needed to verify my identity to Axos Bank, which was received on the evening of XX/XX/XXXX. I called back 3 times since then, on XX/XX/XXXX, XX/XX/XXXX, and XXXX and each time was presented with the same explanation, that the review will finish in XXXX business hours. I'm submitting this complaint as I do not believe them at this point, and I had the same problem with my Axos invest account last year, which I was forced to resolve through XXXX.

Company response to consumer: Closed with explanation