BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: JPMORGAN CHASE & CO.
State: CO
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:
I applied for and received two credit cards ( one for personal, one for business ) from United Airlines ( United Explorer card and United Business card ). I decided on these cards largely because each card offered two United Club one time passes. Recently, when flying United, I have tried try to use these one time passes only to be denied access. The Club in XXXX and in Washington ( two recent examples ) have a sign saying, " No One Time Passes at this time. '' Terms and conditions say that access is based on availability -- it does not say other members or that first class passengers will be given priority. I've been unable to use at least two of my passes and now they are expiring. The cards each cost {$95.00} per year. I feel deceived. United 's claim that card holder receive " Two United Club Passes '' is misleading and false. I called Chase and they referred me to United. I called United and they referred me to Chase. Chase then referred me back to United. No solution offered. I'd like my money back or other proper compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It appears that my credit file has been compromised. Again, I was going through my records & noticed items which do not belong to me. I researchedand found out that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please remove these files listed Below : XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If EXPERIAN does not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-09-22
Company: EQUIFAX, INC.
State: MS
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
TransUnion Fraud Victim Assistance Department, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. THIS STATEMENT IS COMING DIRECTLY FROM ME THE CONSUMER. The identified transaction is not information related to any transaction by me the consumer. DELETE OR BLOCK THE FOLLOWING ACCOUNT ( XXXX XXXX XXXX XXXX  ). THE ACCOUNT IS NOT VERFIFIED! TRANSUNION HAS NOT PROVIDED PROOF OF WRITTEN PERMISSION OR INSTRUCTIONS FOR THE IDENTIFIED TRANSACTION. 

You are required to do what I am requesting and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice.

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 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Inaccurate and erroneous information reported on my credit account, and the credit companies arent complying with their own policies in a timely manner.

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 2022-12-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Experian FAILED TO NOTIFY OR INVESTIGATE DISPUTES

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 2022-07-02
Company: GOLDMAN SACHS BANK USA
State: MS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
some XXXX open several saving accounts in my name.they had my full name, address, phone number, and social security number.call company, XXXX, had them to close all XXXX accounts. we ask them to send to us paper work concerning this matter. i have not receive any papers yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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 status incorrect

Complaint:
I paid off a collection account for a credit card I had with XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. I got they sold the collection account to XXXX XXXX  and XXXX XXXX  I paid XXXX in XX/XX/XXXX with an agreement that this account would be deleted from credit report within 30 days. XXXX no longer reports this account on my credit but XXXX  does even tho it was a pay for deletionXXXX Aldo keeps changing the charge off date of this account. It currently says it was charged off in XX/XX/XXXX even tho it was paid in 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 2023-11-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hey, This merchant - XXXX XXXX has first charged me {$1000.00} for my security deposit and then charged me again for {$450.00} as they have access to my Card from the last transaction. I have rent due in a week and this total of {$1400.00} is really needed as they have access to my card and decided to take {$450.00} directly from my bank! I did not try to authorize them to have access to just take money from my account and I was supposed to get the {$1000.00} deposit back! Can I please get this refunded please! It is very urgent. I returned the vehicle in perfect condition and they said I would get my {$1000.00} back. Please help me. 

Also you can see theb {$1000.00} was held for a couple days and was never returned they charged it like a week later even when they told me verbatim I will be getting the {$1000.00} back! Then they decided to take {$450.00} from the bank account since they have card info! I have rent due soon please help. They literally just took the {$1000.00} I was supposed to get back per their agreement and everything and I need it refunded! There is another case in which they decided to take even {$450.00}. 

Best, XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-07-29
Company: BSI Financial Holdings, Inc.
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 information incorrect

Complaint:
Our loan was acquired by BSI as of XX/XX/2022. Prior to being acquired by BSI we were in the process of going through Loan Modification from COVID relief. The loan modification was almost complete when our loan was sold to BSI. When BSI acquired the loan we were advised that the modification process was completed, however it appears the process has started all over agin. Since XX/XX/2022 our loan has been reporting as more than 300 days late. This was corrected in XXXX when BSI was advised once again of the inaccurate reporting. At that point payments were being made on the account however we were advised that the payments could not be applied towards the loan. We were told by several representatives that we did not need to make payments as the loan modification process was still ongoing and we were still in forbearance. All documentation was sent to BSI as requested to complete the modification process, and were confirmed as received. We have been advised that the credit was in fact reporting incorrectly but that it would be updated. This was as recently as XX/XX/XXXX. AS of XX/XX/XXXX the report is now reflecting that we are {$17000.00} past due. This has caused a significant drop in our credit scores with all three major credit bureaus. According to BSIs mortgage portal we are 330 days past due. They are reporting to the credit bureaus that we are 180 plus days past due. Both of which are discrepancies. According to their site as well our modification is complete. We were told that the VA was giving approximately {$16000.00} to bring the loan current. We have tried to remedy this with multiple different reps with BSI on many different occasions. We have been met with nothing more than rude, condescending agents with attitudes. They are not willing to listen or assist with the issue. We have been told different things by different reps but no one has been actually willing to assist in getting the situation remedied with the exception of XXXX XXXX who we have tried to speak with again but the reps are unwilling to include her in these complaints. Due to the experience that we have had with them, we are shopping for a new mortgage company. However the negative impacts to our credit from the inaccurate reporting is making this far more complicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
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: Personal information incorrect

Complaint:
Account information, account status and personal information such as legal name, addressed, phone numbers, occupation are not all 100 % correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove item from credit reports

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 2022-12-02
Company: Experian Information Solutions Inc.
State: IA
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:
Experian is reporting old and un validated information this is a violation of the FCRA needs to be removed and credit file updated with correct and accurate information. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO 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 2022-08-22
Company: Consumer Adjustment Company Incorporated
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX placed a collection on my credit that does not belong to me. 
They did not send me any information to validate the debt or send me any information at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 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 that 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 non-monetary relief
Consumer complaint received 2023-09-16
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, my paycheck deposited into my checking account. Some auto pay transactions were pending and with them pending, my available balance was adjusted to reflect the funds available. I was positive. I called the bank to validate the information in which they did. I went through the whole week and XXXX business days later, transactions posted to my account that must have disappeared and overdrew me over {$400.00}. When i called customer service, the banker said i was always negative when i kept using my debit card. This was not accurate. I had contacted the bank multiple times during that week and did screen sharing sessions that would show the positive balances during the time they claim I was negative. Also the phone conversations/automated calls that reflect positive balance as well. The following direct deposit on XXXX brought me current after the checking account was brought current. I had enough money to make a few bill payments. The money deducted from my checking account as normal and i was able to maintain a positive balance. At some point my checking started to reflect a negative balance in which i was given an over draft fee of {$36.00}. As days passed, i would see my bank account reflecting a positive balance and finally on XX/XX/XXXX, XXXX transactions posted that put me at - {$9.00}. Somehow they charged me FOUR overdraft fees and when i went into the bank to address the fees, they said the type and amount of transaction can result in the issue of overdraft fees. At the time i didn't realize that i only had two transactions that were resulting the four fees. At the time i had another transaction pending for Internet payment and on XX/XX/XXXX, that payment posted and i was charged a fifth overdraft fee. I have no idea how they are calculating when to charge the fees but the fees exceed the amount of overdrafted transactions. They claim to have started an investigation but i did not see them take the steps to do this. 

I also have multiple transactions currently pending from merchants that i have placed stop payments on which has also resulted in deduction of available funds.

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 2022-06-26
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX account # XXXX Has violated my rights. 

15 usc 1681section 602 a states I have a right to privacy 15 usc 1681 section 604 a states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 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 that 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 non-monetary relief
Consumer complaint received 2022-07-02
Company: JPMORGAN CHASE & CO.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To Whom This May Concern : This is your warning! It has come to my attention that I, XXXX XXXX XXXX , a natural person, pursuant to 15 usc 1602e am fully aware that there is evidence of your company illegally attempting to collect an alleged debt on behalf of JPMCB CARD. Pursuant to 15 usc 1692a ( e ), you are using false, deceptive and unfair debt collection practices to attempt to illegally collect an alleged debt that you say owe in the total amount of {$10000.00}. I am declaring that I refuse to pay the alleged debt/s that you claim I owe pursuant to 15 use 1692c ( c ) & 1692b ( 2 ). Pursuant to my consumer rights under the Fair Debt Collection Practice Act 15 usc 1692c ( c ) ( d ), I am demanding that you stop all communication with me stat, as well as any person, organization and/or business in relation to me regarding this and all other alleged debts you claim I owe unless it is for the purpose of advising me, XXXX XXXX XXXX, XXXX XXXX XXXX that the illegal collection efforts of the said alleged debt/s has been terminated. Correspondence addressed to " XXXX '', or any other entity will be refused, as that is not my name.

Company response to consumer: Closed with non-monetary relief