BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-06
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Balance transfer fee

Complaint:
RE : Case number : XXXX Regarding the above referenced case number, Chase responded with a letter dated XXXX XXXX, XXXX advising that they would not be refunding the {$150.00} balance transfer fee. In the letter, they advised that they had reviewed my calls to Chase from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. They state that there was no mention of interest charges during the call on XXXX. The fact is that I made calls to Chase on XXXX @ XXXX, XXXX @ XXXX XXXX and XXXX @ XXXX XXXX. Is n't it funny that they said they reviewed the call on XXXX, but there was no call on that date? Also, during the call on XXXX, the actual balance transfer was initiated, but not before I confirmed the terms of the offer again ( thus the reason for my argument ). After the balance transfer was completed and I received the letter dated XXXX, I immediately made my third call on XXXX as I said that the letter has different terms than the original offer letter and the subsequent calls I made to Chase to receive clarity of the terms of this offer. In summary, my argument remains as this - I agreed to pay the {$150.00} transfer fee under the assumption that the money would be interest-free through XXXX, as stated in the offer AND there would be no additional interest charges on my new purchases during that offer period, so long as I continued to pay off all new purchase charges each month during the grace period. As evidence of my calls to Chase, I have provided my phone records for these initial 3 phone calls. In the call on XXXX, I clearly stated that the letter I received offers contradictory information than that which was described in the original offer letter and then verbally, in the 2 phone calls made to Chase on XXXX and on XXXX, when the offer was accepted. The reasoning for asking for the {$150.00} refund is that I would NOT have taken advantage of the offer if I had known that interest would accrue on my purchases AND after taking advantage of the offer, I would have immediately retracted if I was properly advised that the interest was going to be charged. After contesting the issue for a few months, I immediately repaid the money to avoid additional finance charges. The fact remains the same, however, that I paid {$150.00} to have the {$7500.00} interest-free through XXXX and had to repay that amount prematurely. So again, I reiterate that I see this as a hook, line and sinker ... .A deceptive offer was made and I took it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX, Experian and XXXX reporting for Acct Number : XXXX : On XXXX, Acct # XXXX is being reported with missing Date of Last Activity, missing High Credit and Date of Payment shows XX/XX/2012 ; However on XXXX it is reporting Date of Last Payment as XXXX/XXXX/2012, and on Experian, Date of Last Payment is missing, High Credit and several account terms are missing. 
On a few separate occasions I have disputed with all XXXX credit bureaus XXXX, XXXX, and Experian pertaining to Acct # XXXX and each time it has been 'verified ' by XXXX XXXX XXXX . I have included the excerpts of my credit reports showing how these accounts are reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was ask to sent money {$200.00} through XXXX from my bank Chase for puppy deposit through XXXX email address. I was given the email address of XXXX to send once I did so my XXXX was hacked and taken over had to disable the account. All communication was cut off by the person it was all a scam. My customer service with Chase took my dispute and was told to fill a complaint through this website. They have tried to text me asking for my ID to fix my XXXX XXXX  which I have not responded the # is XXXX if that helps find them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Experian is violating the FCRA Laws put in place for consumers dealing with fraud on my credit report. I have sent a Police report with my affidavit, and they refuse to investigate and remove this fraud off my credit report. They are the only bureau that is reporting these errors on my report that is hurting my ability to get 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 non-monetary relief
Consumer complaint received 2022-08-30
Company: SUNRISE CREDIT SERVICES, INC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This Debt was paid the creditor was paid in full through last bill.

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 2015-07-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I received XXXX letters from XXXX XXXX dated XX/XX/XXXX regarding account ending in XXXX. 
The XXXX letter Dated XX/XX/XXXX stated they correctly reported the first date account ending in XXXX became deliquent was XX/XX/XXXX. 
The XXXX letter Dated XX/XX/XXXX stated they correctly reported the first date account ending in XXXX became deliquent was XX/XX/XXXX. 

On XX/XX/XXXX aprx XXXX. I called XXXX XXXX at XXXX. 
Customer Service Rep XXXX Stated he was not able to verify any old statements on account ending XXXX. He stated he could not tell me or verify the date of first delinquency. He stated he did not have this information and had no previous statements on this account to provide me with the information regarding this accountI believe that XXXX XXXX does not have sufficient information to verify this account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
To Whom It May Concern : I reached out to Experian to dispute an item that appeared on my credit report. While Experian stated that it investigated the dispute, and has now resolved the dispute. I received no information on how the dispute was resolved or whether it is a reasonable way to resolve the dispute. The information contained on my credit report is inaccurate. There appears to be some third party debt collector to whom I 've never received any communication for a bill that was paid directly to the creditor. 

Thanks.

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 2016-06-16
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am trying to get a copy of my credit report so I can see what is on it every time I put my social security number in I am told that 's not the right number or that I have put the wrong birthday and year please help.

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 2015-12-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Regarding item # XXXX car loan for XXXX XXXX be reported by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, CA XXXX. PH : XXXX. This loan was paid in full on XXXX and is recording late payments on my credit report of Experian and XXXX XXXX. Experian says this will stay on report until XXXX and XXXX XXXX until XXXX. The first late payment XXXX so this item should drop off my report by XXXX. Why is Experian keeping on my report until XXXX? Inconsistent reporting by Experian and XXXX XXXX XXXX. These items listed more than 7 years from first delinquency. Removal dates for Experian and XXXX XXXX not consistent. I have several issues with XXXX XXXX XXXX not recording my payments correctly when loan was active. I want XXXX XXXX XXXX XXXX account deleted from both Experian and XXXX XXXX ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: WI
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:
XXXX shows a XXXX delinquent bill to XXXX XXXX bank. It is listed as overdue since XX/XX/2022. I do not have any accounts or credit cards with XXXX XXXX. I have called XXXX and verified that they do show a delinquent account in my name. They indicated that I needed to fill out this form to help them verify that it is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Experian has my wrong personal information and I have been trying to correct it. My mail is not answered from them. There is no way to contact any customer service to speak to about it. There is no way to fix the issues online since they have the wrong personal information about me. I have zero way of accessing or correcting the wrong addresses and Birth date on my credit report. For a company who holds so much power over an individual it should not be so impossible to fix errors made on their part.

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 2016-10-05
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I sent XXXX letters to Experian ( XXXX in XXXX and XXXX in XXXX, 30 day apart ) concerning inaccurate information on my report concerning bankruptcy. I ask Experian to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received a letter on XXXX XXXX, 2016 stating that they have previously processed this dispute and the credit grantor has verified its accuracy. Last but not least, they said that unless you send us additional relevant information to support your claim, WE WILL NOT REINVESTIGATE THIS INFORMATION AGAIN. EXPERIAN has not providing me with copies of documentation bearing my signature in a timely manner. Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX letter : XXXX XXXX has ruined my credit score, from XXXX to XXXX. I closed both my XXXX account and XXXX account on the XXXX of XXXX. I ca n't even access my accout but I got a email this morning saying I owed XXXX on my XXXX account. Immediately paid it today but I had no notice, no account and they made a charge on XXXX XXXX, 5 days after my accout was closed with XXXX balance. In fact my rewards was XXXX or something which I did n't care about. They started late XXXX with some " Hard Inquiry " junk then sent me a XXXX credit limit XXXX card I could never activate. they wanted drivers license copies, SSA copy, bank statement copy, all of which I sent them and they still wanted more info, so I do finally had enough and told them to close both accounts. All my other account are paid up and on time. XXXX XXXX is ruining my credit score. if it does n't stop, I will take legal action because this is how big business ruins people 's lives. 
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 explanation
Consumer complaint received 2022-03-28
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2016-03-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX The following unauthorized inquires must be removed from my credit profile. I DID NOT APPY FOR CREDIT DO NO PLACE A FRAUD ALERT ON MY REPORT!!!!!! 

PLEASE SHOW ME HOW PER THE FCRA HOW THESE WERE PUT ON MY CREDIT REPORT XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX, 2015 XXXX XXXX XXXX, 2015 XXXX XXXX ID IS ATTACHED VIA DRIVERS LILEICE AND SCHOOL ID AND UTILITY BILLS

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 2016-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My student loans have been discharged by the Department of Education due to XXXX. I now no longer owe anything on these accounts. These accounts should read as closed with XXXX balance. Here are the account numbers : Navient, account # XXXX ; and XXXX accounts with Department of Education XXXX, all with account # XXXX. Trans Union refuses to make the adjustment.

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 2022-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
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:
On XX/XX/2022 a scammer deposited in my Bank of America account, a bad check that comes from the XXXX XXXX XXXX XXXX  and belongs to the company XXXX XXXX XXXX, registered in the state of Florida, for the amount of XXXX, the deposit was made in an agency of the bank of America, when reviewing this transaction immediately call the bank and report the activity as unknown, it was indeed a fraud that someone was committing using my bank account, fortunately I did not lose money since I made the report to time, however, I am affected because the bank made the decision to close my accounts, I have decided to report this case in all possible agencies and I will even make the police report of this fraud so that it can be investigated in which agency they made the deposit and who made it. I do, to prevent other people from going through what I have gone through and in turn to avoid these fraudulent actions that bad people commit.

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2017-05-25
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I went to 6 different new car automobile dealerships and they all had the same preprinted contract which I was told I had to sign and thereby agree to arbitration should any problems arise with my new  XXXX  or its financing, with Chase Bank and the dealership picking the arbitrator and that I must do what their arbitrator decides ; this is un-American and unfair. It is duress and coercion.     I tried crossing out that/those clauses and I was told the bank and  XXXX  would not approve my loan because I can not cross out and initial their contract even though it is both one-sided and detrimental to my best interests.     Therefore, a new contract was given to me to sign even though it was against my best legal interests and totally in favor of Chase Bank and  XXXX  car company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Conformation Number : XXXX To whom in May concern : Equifax mistakenly deleted my accounts below. Please reinsert my open accounts on my Equifax credit report. 

Other Accounts : XXXX XXXX XXXX XXXX XXXX ( Please see attachment ) Revolving Accounts : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX Bank Delaware XXXX XXXX Card Services Installment Accounts : XXXX XXXX XXXX XXXX XXXX XXXX my accounts back on my Equifax credit report. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2019-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX is reporting on credit report as charged off a total of 4 accounts .Last payment for all 4 accounts were in 2011 and all accounts were showing negative on my report prior to this date. I have not made arrangements or signed any paperwork with XXXX for said accounts and they exceed the 7 years for a negative items to be reported and have exceeded my statue of limitations for Florida

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