BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received your response that you need my updated email address which is XXXX I sent a complaint on XX/XX/XXXX, to remove the items XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/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 items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; I am including it again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Yesterday, XX/XX/23 I decided to take advantage of Chase 's " Enjoy up to {$600.00} for new Checking and Savings customers promotion. It provided XXXX options get a code email to open an account at the branch OR open the account online and the promo would be applied. Since I don't normally do branch banking, I elected to open the account online. During the account online process, there were no fields to add a promo code since the ad stated the promo code would be applied when choosing the button provided to " Open Both Accounts '', which is the action I selected. That process failed. 

Only after the accounts were opened, I saw a brief message flash that the promo could not be applied. I called Customer Service at XXXX and first spoke to XXXX who said she could not see that the promo was applied and could not do anything about it. Perhaps I should go to the branch to get this resolved. I requested the call be escalated to a supervisor. I was placed on hold and eventually transferred to XXXX, a supervisor. XXXX instructed me to wait until Saturday to call and confirm the status. I advised XXXX that this was deceptive advertising and that I would file a complaint against Chase under XXXX if this was not resolved. She opened an internal complaint, but I have no assurances the issue with the promo code will be resolved. That complaint number is : XXXX. The process I followed and qualified for, is being reneged only after I opened the accounts. She had to be asked to open a complaint. She advised me that there is a XXXX grace period to get this resolved. Chase is engaging in deceptive advertising practices and bait and switch. I chose the " Open Both Accounts '' and the promo was not applied. Furthermore, Chase 's staff is unfamiliar with how the promo works and is placing the onus on me as a consumer to keep following up in hopes of getting this resolved. I had to make XXXX calls in 2 days to re-explain the issue to no avail. 

Fully knowing that many people will not follow through. Both my checking account and savings account were opened using " Open Both Accounts '' button and Chase is refusing to honor the promotion - according to XXXX, they don't have a way to add the Promo Code. 
Attached are screen capture images of the promo. I am asking Chase to honor the promotion they advertise by XXXX. Sending me written confirmation that the promo code has been added along with a root cause explanation of why this occurred XXXX ) ensuring that I receive the {$600.00} credit and I want them to train and empower their staff to assist consumers with such issues in the future. The onus should not be shifted on the consumer to make multiple calls and be bounced around with no resolution in sight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Amex charges {$690.00} for their Platinum Credit Card which, according to their website, provides cardmembers, " unlimited access to XXXX XXXXXXXX XXXX. '' Of course there is a small print " Terms & Conditions May Apply '' clause that takes you to a page with paragraphs of legal content. Buried in that legal content includes XXXX sentence that states, " Access is subject to space availability. '' Over the last several flights I've taken, there has routinely been no availability at the Amex XXXX XXXX due to overcrowding. Amex clearly does not have the capacity for all of its cardholders despite routinely advertising that they provide unlimited access to their lounges. To me, this represents an unfair/deceptive benefit and, unless Amex Platinum membership decreases which seems unlikely, this problem doesn't seem to be going away. 

Amex should either disclose in a clear way that access to their lounges are in fact 'limited and subject to availability ' or offer to refund customers who get routinely denied access to a major card benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/ I received letters in the mail that five of my credit card accounts had been closed. I phoned the company, Citibank, and requested information as to why the accounts had been cancelled. The representatives refused to give me any information and told me that, as the letters described, I needed to request the information by mail. I sent such a request. As of now I have not received the information. I am XXXX XXXX XXXX XXXX  The card cancellations with no reason are a significant challenge for me, especially at this time of year. The refusal to communicate by phone I find difficult to understand.

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 2023-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Im wanting these inquiries to be deleted because i did not authorize these companies to run your credit this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
I filed a dispute with capital one for XXXX XXXX. I was given a provisional credit. They cancelled my card and sent me a new one. I thought my XXXX XXXX  was secure so I linked the new card to it. It was not secure and the scammer transferred money over from my linked debit card. XXXX XXXX denied the second dispute. Today they found me in favor of my first disputes but the second dispute is denied still. How can they approve XXXX of the disputes in my favor but deny XXXX of the disputes when they were the same exact thing related to the same exact issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit reporting 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:
Capital one has made several Hard inquiries when all of them should have been soft inquiry. The hard inquiries had a negative impact on my credit score/report. it made hard inquiries to major credit bureau XXXX and XXXX. In total in a six-month span did a total of XXXX hard inquiries. I have Called Several times to get this corrected and removed. They should have been soft inquiries. I would never apply or allow that many hard credit check from the same company or any Dates of the hard inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-07-19
Company: Experian Information Solutions Inc.
State: AR
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 CFPB complaint myself, regardless of the multiple written requests, the fraudulent items listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The following items are fraud that are needs to be removed : DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$1600.00} ; XXXX XXXX  Inquiry : XX/XX/XXXX ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX XXXX Balance {$1600.00}.

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 2023-07-19
Company: Experian Information Solutions 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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXXXXXX 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 2023-07-19
Company: Experian Information Solutions Inc.
State: MI
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:
. 
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.

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 2023-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
First of all, I see that the cfpb closed my original complaint ( Complaint ID XXXX ) and I don't know why. This is far from being resolved, but since that complaint was filed, this is what has happened, which is really nothing to resolve it : 1. I have received at least 30-calls from Kohl 's . The 1st 5-6 calls were from XXXX XXXXs overseas to whom I made it perfectly clear that I would only speak to and deal with someone from the U.S., an American I can actually understand what they are saying. Those overseas people refused to transfer me to the U.S. 
2. After those 5-6 calls, I and out of the approximately 30-calls received, the next 3 said they could not send me what I was asking for, which was a detail of the purchases I made, they claim I owe for, showing my returns/credits, and/or credits for merchandise I never received. 
3. The next 4-5 calls, I would answer, and hear laughing and then they would hang-up, and then the next few calls, I would answer, they hung up, I could not hear anything. I know all of these calls were from Kohl 's because the name Kohl 's is displayed on my phone screen. 
4. What kind of corrupt yoyo company is this? I have now just stopped answering their calls. I now PREFER an American, I can understand, in the U.S., not overseas, email me so that we can get this resolved. I don't like owing money, and this has gone on for several months. These people hire some REAL NICE customer service reps!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. And 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. 

And they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.

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 2023-10-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
XX/XX/2023 -- Someone opened and account with JPMCB / Chase with my name and address. Received credit alert on XX/XX/2023 from XXXX. 
XX/XX/2023 -- Tried to use the JPMCB / Chase opened in my name for an amount of {$2100.00}. 
XX/XX/2023 -- Received Chase Fraud alert messages on my cell phone on charges tried on the Chase card. Messages was as follows : " Chase Fraud : We declined {$330.00} with card ending XXXX  at XXXX XXXX. Was this you? Reply YES or NO. '' XX/XX/2023 -- Received letter via regular mail from Chase Cardmember Services at XXXX. Called them and stated that I do not have ANY accounts with Chase at all and that the card was fraudulent. When talking to them, also checked with my ID Theft Service from XXXX and found out that someone tried to change the address for the fraudulent credit card from my address to the following address : XXXX XXXX XXXX XXXX, XXXX, WA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Balance : {$450.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
There were many unauthorized inquiries on my reports as well as misspelled names. The following inquiries are just a few. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the auto requests on my report from XXXX have been falsely applied for on my credit reports. There are many. 
There are also credit cards, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX There have been many mispelling of my name. 
Names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX There have been many incorrect addresses. 
Addresses : XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX correct my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Debt collections are furnished by XXXX XXXX XXXX XXXX to my credit reports without my permission, consent, authorization. XXXX XXXX XXXX XXXX can not provide legal proof of lawful debts they are permitted to collect or validate a judicial proceeding to allow consent to furnish debt collections to my consumer reports. XXXX XXXX XXXX XXXX violates FDCPA and GLB Act.

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 2023-12-09
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XXXX or XXXX of 2023, BMO reduced my credit line from {$10000.00} to {$2000.00} without providing any kind of notice or reason. As a result, I would like to close my BMO credit card account and BMO checking accounts, but so far have been unable to do so.

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 2023-02-22
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:
On XX/XX/23 i looked at my consumer report and was immediately frustrated with the 15. U.S.C 1681n willful non compliance to my disputes and complaints, I have submitted to CFPB, XXXX, Equifax XXXX XXXX. Equifax, XXXX & XXXX STOLE my information committing FRAUD by reporting such hernias things on my credit profile. This has cause me great stress. I demand these items be removed from my credit profile immediately or I will seek litigation and 15 U.S.C. 1692k Civicl Liability for EACH violation. I have not given XXXX, XXXX or Equifax permission to disclose ANY information per 15 U.S.C 6802 on my credit report. Under 15 .U.S.C 1681 ( i ) states ALL reported information HAS to BE 100 % accurate.

Company response to consumer: Closed with explanation