BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-23
Company: JPMORGAN CHASE & CO.
State: KS
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 have contacted Chase about my XXXX XXXX XXXX starting once per month since XX/XX/2021. The most recent date of contact was the first week in XXXX. 

I paid for a XXXX vacation using my XXXX XXXX XXXX in XXXX XXXX. I have purchased at least 9 trips to XXXX using this method in the past because the promotion is to receive the first six months of the purchase at 0 % interest. 

When we got to the XXXX resort in XXXX of 2021, there was an issue with the booking and they had to rebook part of the trip at a different resort. This caused the original transaction to be partially refunded and then charged again in a subsequent transaction. I called Chase and was told that because it was a " resort '' vacation package purchase, that it would be fine and that it would all be at the 0 % interest for 6-months. 

That was a lie. 

In XXXX I was charged {$69.00} In XXXX I was charged {$57.00} In XXXX I was charged {$36.00} In XXXX I was charged {$16.00} And when I called this last time in XXXX, I was told by the Chase rep that this would all be credited back BEFORE the billing cycle in XXXX which was the XXXX. 

THAT DID NOT HAPPEN. 

I've had it. I've been a card holder for years and have NEVER had this experience. I also am a lender at a credit union and I know how terms and conditions work, as well as how long it should take to resolve a billing error. 

This is unacceptable. I want all the interest back IN ADDITION to the interest I'm sure you will put on my XXXX statement that I just have not seen yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-28
Company: Experian Information Solutions Inc.
State: NY
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:
To whom it may concern : I am writing to to see if you can help me resolve an issue I am having with the credit reporting bureau XXXX, XXXX, Experian i recently requested a copy of my credit reports from each of the credit bureau. Upon receiving my copies I realize some inquiries on my report that i did n't do. I wrote several letters called several time and still the inquires has remained on my credit reports. The Inquires are XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX. I recently send out certified mails to each of these company and I have not heard back from them regarding these inquires. I am asking if you can step in on my behalf this is my last stop to see if I can have these information remove. The only thing they have done is erase the names, addresses, phone numbers, and the person had change around my social security number so they fixed it once i mailed over a copy of my ID, bill with my real address, & S.S.C. to them. They still refuse to remove the inquires that was on my report that i never applied for credit with these company. All the 3 credit bureau did is placed a FRAUD ALERT on credit report for 90 days. I am not understanding why they can erase all the fake names and addresses that the person was using to be me why the inquires ca n't be removed. Please I am seeking help from you or point me in the right direction to get this issue resolve because of all these things it is making it hard for me to really know which way to go. I am patiently waiting on your response. Thank you in advance for your help I really appreciate it.

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 2022-08-14
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 Account : XXXX XXXX  Account : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I had a Barclays XXXX  Credit Card ending in ... ... I used this card to get credit for my maintenance fees with XXXX XXXX. This is the only credit card that will work with XXXX. I always paid my balance in full each month. I never had a problem with my payments. I made one payment on my card with a check that I was told was ok. The account had sufficient funds but did not allow my payment to be credited to Barclays. Barclay abruptly closed my card, demanded payment in full from another account of mine, including extra charges, all of which were timely paid. Barclays kept denying me use of my card or any other Barclay or XXXX credit card. Barclays will not even talk with me about it. I'm given the run around but no answers each time I call. This unlawful action has caused me credit problems over the last 25 months.. Again I always paid timely and never had a previous problem. XXXX, because of their agreement with Barclays, will not allow me to get my annual credits for my maintenance fees. It is costing me over {$1000.00} a year extra because of Barclays unwarranted action. This unlawful event took place in XXXX and XXXX of XX/XX/XXXX. The amount of money was {$7000.00} which I paid in full. My loss with XXXX has been over {$3000.00}.

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 2019-07-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with chase using a bonus coupon of {$200.00} I received in the mail for opening a new checking account with chase. I opened the checking account on XX/XX/2019 and met all of the requirements to get the bonus. I set up a direct deposit of at least {$500.00} to enter into the account within 60 says of opening the account. I never received my bonus. I contacted customer service and they said that my bank teller, XXXX XXXX, never uploaded the bonus voucher to the account. He took it to the back along with my {$25.00} deposit to open the account so I do not have a copy of it. I contacted XXXX XXXX on XX/XX/XXXX via email, but he was on vacation until XX/XX/XXXX and I was told that I would be contacted back when he returned. I called again on XX/XX/XXXX because I hadnt heard back yet and he said that he was looking into it and he apologized for not returning my email and that he just got back from vacation. On XX/XX/XXXX, I emailed again about an update & never received a response. I called on XX/XX/XXXX at XXXX & XXXX was in an appt, but she took my name and number and said XXXX would call back in about an hour. Its XX/XX/XXXX & I havent received an email or call yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Complaint against Western Union Location in XXXX XXXX : This is not the first time this happened to me. I sent money and was told that the money will be available on XXXX XXXX. I told my son to pick-up the following day because of the previous experience when he came on the date we were told the money was available just to find out it was not. Today is XXXX XXXX, my son went to pick-up and AGAIN was told the money is not available. I called Western Union and the agent said the money is already available. This is the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX location.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In summer of XXXX, I entered into an agreement with The US department of education for student loans. I'm guessing they assigned Nelnet to manage my student loans. It's been a nightmare ever since. Nelnet falsely reported late payments to the consumer reporting agencies of my student loan accounts that ended up dropping my scores from the low 700s to the mid 400s. Those late payments were false because on each of those days that they claim the account was late, I was in forbearance ( proof has been attached directly fro, the studentaid.gov website. ) These inaccuracies have taken a big toll on my life. They've ruined my reputation on my consumer reports which has led to me being denied credit on so many occasions. It's bad enough being an XXXX American male in this country and how difficult it is to be extended credit. Nelnet made it even worse for me! Theyve prevented me from getting credit cards, apartments, jobs and I can't even qualify for a car. This has forced me to move backwards in these rebuilding times. I've been declined 2 good paying jobs twice because they thought those inaccurate late payments reflected on my character as a person or mean Id come late every day. 

I've also had to live in very undesirable situations because my credit wasn't 'good enough ' for me to live in a better neighborhood. I disputed the late payments with the bureaus in JXX/XX/XXXX and they put them back within 10 days after they were removed per nelnet 's request without even contacting me and I didn't receive a single proof or reason why those inaccuracies were put back on my account. 

I've spoken to someone from nelnet but the the most recent was on the XX/XX/XXXX in the afternoon. I spoke with a woman named XXXX and explained to her how this company has ruined my life by reporting all those inaccuracies and she told there's nothing she can do. After suggesting to speak to someone above her multiple times, she told me she would dispute them for me that's the best she can do and that I'll receive the results in the mail. 

I asked her how long it'll take for me to see those results and she said it'd take 4-5 business days. This was a Friday so I expected a response by Monday XX/XX/XXXX at the latest. Til this day I haven't got a response from them. She also apologized to me for not getting a response for my initial dispute from XX/XX/XXXX because they never sent me any proof to back up these claims. I know by law I'm supposed to receive a validation letter within 30 days of a dispute but haven't received anything. I wonder what they sent these consumer reporting agencies for them to put them back on my profile without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Lendmark Financial Services
State: NC
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:
I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were INACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. Since I have made this request multiple times, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. I respectfully request to be provided proof of these alleged items, specifically the contract, note, or other instrument bearing my signature established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509 You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. At this point, prompt deletions of the disputed accounts is a must.

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 2019-07-23
Company: CORELOGIC 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:
fcra violation why does credco need the same report 5 times remove all but one XXXX  did the same 2 inquires same day XXXX  XXXX never applied ftc CREDCO XX/XX/2019 CREDCO XX/XX/2019 CREDCO XX/XX/2019 CREDCO XX/XX/2019 CREDCO XX/XX/2019 XXXX  XXXX XX/XX/2019 CREDCO XX/XX/2019 XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019

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 2015-08-30
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced our home mortgage about three years ago ; because we were cash-poor at the time, we acquired an FHA mortgage that was later sold to Wells-Fargo. At the time, a MIP payment of about {$200.00} a month was attached. I got that -- we did not have the money needed so we were considered high-risk. Three years later, our balance is around {$190000.00} but our home value is over {$300000.00}. Am I on the hook for MIP still, or is there some process I can follow to have the MIP lifted from the loan so that I could use that portion for a home equity loan payment? 
I just want to make better use of my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Could not Prove this debt belongs to me

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 2019-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX  CARD SERVICE - account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this, however I have not been successful.

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 2019-07-23
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XX/XX/2018 ; my loan amount exceeded XXXX citing an interest rate increase from XXXX a month to XXXX. Each time I spoke with a representative there was a different reason and what they could do to help. In XX/XX/2018 I uploaded tax forms, check stubs and application. The documents were never reviewed by Navient. They would not negotiate a lower payment with documentation that I could not afford the payment and would not hear what I could pay. I was threatened with garnishment and loss of teacher certificate unless I did a forbearance. Thiss loan has ballooned to XXXX. As a math teacher this is a pure SCAM. I will never pay this loan off ; they will not take partial payments. I get no mail until I request and every representative has a different script. Presently they are asking for XXXX per month. My take home monthly pay is XXXX. I can not pay any bills with this payment yet I keep trying to work things out. Presently, Ive asked for a different loan. They have each of these loans listed as 13 separate loans. Some as low as XXXX and reporting it to the credit bureaus as 13 separate loans. I try to give them a number I know I can afford and pay ( XXXX a month ) and they still wont take it ; however if I lose my certificate and my job they wont get anything. Im frustrated. I am hoping the documents I send today will show that I can not afford such balloon payments and the only option they offered was IBR yet I am eligible for a lower % age payment. Please help! 
Drowning in Georgia

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: EQUIFAX, INC.
State: NY
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:
To whom it may concern : I am writing to to see if you can help me resolve an issue I am having with the credit reporting bureau XXXX, Equifax, XXXX i recently requested a copy of my credit reports from each of the credit bureau. Upon receiving my copies I realize some inquiries on my report that i did n't do. I wrote several letters called several time and still the inquires has remained on my credit reports. The Inquires are XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX. I recently send out certified mails to each of these company and I have not heard back from them regarding these inquires. I am asking if you can step in on my behalf this is my last stop to see if I can have these information remove. The only thing they have done is erase the names, addresses, phone numbers, and the person had change around my social security number so they fixed it once i mailed over a copy of my ID, bill with my real address, & S.S.C. to them. They still refuse to remove the inquires that was on my report that i never applied for credit with these company. All the 3 credit bureau did is placed a FRAUD ALERT on credit report for 90 days. I am not understanding why they can erase all the fake names and addresses that the person was using to be me why the inquires ca n't be removed. Please I am seeking help from you or point me in the right direction to get this issue resolve because of all these things it is making it hard for me to really know which way to go. I am patiently waiting on your response. Thank you in advance for your help I really appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I disputed a collection on my credit report 's all 3 of them by doing a dispute online and then by letter asking to remove inaccurate credit information ( XXXX XXXX XXXX ) bought a bad debt which had been charged off by the original creditor that has fallen off my credit report, I did not have a contract with them and they are reporting on my credit report and by law you must not report any inaccurate information on my credit report and that is inaccurate because I didn't have a contract with XXXX XXXX XXXX, when I checked with Experian I was told it was valid!

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