BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 Chase decided to close my account, I was very confused on the why. They didnt provide me with any explanation when I called them and even though I explained to them that my personal information was stolen and I had to file a federal complaint because not only this account was used for fraud but two more of my accounts which were XXXX XXXXXXXX and Bank XXXX XXXX and they both also decided to close the accounts. I just didnt find it fair that for something that happened to me they closed the accounts and didnt even speak to me about it and when I tried to explain they just ignored me and said that I wont be able to open back an account. I was a chase customer for about 3 years so I hope that this gets sorted out

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX  - Opened XXXX {$220.00} XXXX XXXX XXXX Opened XXXX {$230.00}

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 non-monetary relief
Consumer complaint received 2020-08-03
Company: EQUIFAX, INC.
State: VA
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:
This is the Third time addressing this TX address that is not mine. It had already been deleted then is Showed Up Again on an updated report. I am providing a current report that I have ( however I don't think it is accurate with regards to addresses that Equifax has for me. I have moved thus I am providing two utility bills to show those addresses and my government ID. I have already provided these to you. I am also providing the other complaint detail and the Proof that the TX address has Already been Deleted. I do not have any other utility bill or something else to reflect my Current address of which Is Not Florida. I urge you to update your processes to not have people continually have to repeat the same mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: AMERICAN EXPRESS COMPANY
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I have attempted and exhausted countless efforts to resolve this matter both directly with the hotel ( in XXXX XXXX AND with American Express, the credit card company who processed the {$2600.00} charge on XX/XX/2020. Both are refusing to refund any of the funds. American Express simply says, I am providing insufficient evidence for the refund and places no weight into my primary allegation that the hotel mislead me ( bait and switched ) into a reservation that was no where near what it was advertised. For the record, immediately after making the reservation, online, I contacted the hotel who said they would cancel the reservation ( copy of email if needed ). However, after receiving my American Express statement, I noticed the charge had not been reversed. When I contacted the hotel, they said the reservation was 100 % non-refundable, despite the false advertising!!?? I tired to dispute the charge with American Express, but no success there either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
A computer glitch XXXXXX/XX/XXXX that Transunion was having a problem with caused multiple inquiries to be deleted and then they were later added back on my credit report without giving me the legal required written five day prior notice before adding them back on my credit report. I have contacted Transunion several times ( XXXX/2017, XXXX/2017, XXXX/2017 ) in good faith to explain the situation about the deleted inquires and that they had illegally re-added them back unto my credit report. By them adding these inquires on my report they are also adding a hardship and my rights are being violated by Transunion. Please help me by not allowing Transunion to victimize me. This glitch was Transunion fault and I had nothing to do with it. So why am I being punished for Transunion not taking the proper steps to inform me of the glitch and given me five days written notice before adding them back on my credit report? Please help me have these inquiries removed.

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 2022-09-15
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I am a citi bank credit card client. I logged in and they offered me a bonus to open a checking account. I clicked on the link and signed up for the account and funded it the min {$5000.00} to get the {$250.00} bonus they offered me. 

Mon, XX/XX/XXXX, XXXX XXXX  XXXX, welcome to your Citibank account Hi, XXXX. Your application is approved - thanks for choosing Citi. If you haven't already, make a deposit into your new account so you can start enjoying fast, easy everyday banking. 
I called in XXXX and asked where my bonus was and the rep told me it would come in XXXX. I called in XXXX and they said I needed to call back during the week to get help, but what was my bonus code. 

I called back today and no help again. 
I am told only a dispute can be submitted but with no code no dispute. 
I dont have a code. I clicked on a link on my log in page. 
This is complete fraud and consumer deception! 
This has to be illegal. No one will help me at Citi. 
All I get is where is your code? 
I did not wake up on XXXX  day XXXX and say lets open a citi savings account today. 
Nice way to treat someone that has been a client since XXXX with the bank. 

The world needs to know that Citi Bank is a company that frauds customers of what they promised and does not care or have any way to escalate a mistake on their end.

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 monetary relief
Consumer complaint received 2017-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Problem with personal statement of dispute

Complaint:
I have requested validation of three accounts and was told my request for validation could not be fulfilled in writing. While the accounts are still being reported negatively to all major credit bureaus regarding the alleged debts. I have disputed the accounts with the credit bureaus and havent received validation from either party.

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 2017-07-24
Company: Experian Information Solutions Inc.
State: VA
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:
mortgage service company ( XXXX XXXX XXXX ) is not disbursing insurance funds for repairs caused by a faulty appliance. I have attempted to contact XXXX XXXX loss mitigation office on 5 separate occasions and was told they do n't have the necessary files and that they have recently taken over the handling of the loss. I was asked to call back in a couple days and this has gone on over two weeks. I requested they expedite the matter and was told they had no information and to call back.

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 2020-10-06
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid apartment complex debt off and debt is showing on my credit report as paid however not deleted. The rep verbally told me that the item would be deleted. 

Capstone collection ( XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX  balance paid on XXXX XXXX ... 
Capstone collection ( XXXX XXXX ) XXXX  balance paid on XX/XX/XXXX XXXX ... 

Both accounts paid and NOT deleted as stated to me verbally during the transaction of paying this debt off..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
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: Information belongs to someone else

Complaint:
MY IDENTITY WAS USED WITH OUT MY KNOWING BY SOMEONE I DONT KNOW, NUMBERS OF UNPAID DEBTS WAS REPORTED FRAUDULANTLY TO MY CREDIT REPORT, CAUSING MY CREDIT RATING TO BE SEVERELY NEGATIVE. I AM SUBMITTING THIS REPORT TO GET SOME HELP IN REMOVING PERMANENTLY THESE NEGATIVE ACCOUNT OF MY CREDIT REPORT.

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 2020-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I 've been a wells fargo customer for over 10 years. Recently I got a wells fargo credit card and put a {$3700.00} tuition charge on it. I set up automatic payments and took a look the day the payment was supposed to be due ; by the end of the day it still did n't go through. Looking at the automatic payments page, it says it will only pay whatever the remaining balance is after any previous payments were taken into account, so I went ahead and made a manual payment in order to avoid the credit card late fees. This was on X/XX/17. The next morning i get notifications that my checkings account is overdrawn and multiple service late charges were posted to my checkings account. It turns out automatic payments ignored my manual bill pay and paid the {$3700.00} again. I called customer services and explained my situation, and they gave me a timeframe for this to be fixed. They also told me they 've escalated this to customer services. Their estimated date was today and the payment has not been returned. When I called customer services again they told me since the amount is large, they may or may not have to wait even longer to refund, nothing clear.

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 monetary relief
Consumer complaint received 2021-07-23
Company: Experian Information Solutions Inc.
State: PA
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:
Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized.. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiryXXXX XXXX XXXX/XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX, XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/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 2022-06-11
Company: Experian Information Solutions Inc.
State: NJ
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 A VICTIM OF IDENTITY THEFT AND I STILL HAVE ACCOUNTS THAT IS NOT MY OWN BEING DISPLAYED ON MY CREDIT PROFILE. THIS INFORMATION IS ERRONEOUS AND MUST BE PERMANENTLY REMOVED ASAP. THESE ARE NOT MY ACCOUNTS. I NEED TO HAVE THESE ACCOUNTS REMOVED IMMEDIATELY PLEASE

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 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
The original creditor provided a letter that the information on my report is incorrect. TransUnion 's online system will not let me continue the dispute.

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 2017-07-24
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Failer to provide proper validation, FDCPA requires verification of the validity of an alleged debt, not verification of your name and amount of an alleged debt. Proper validation should be in the form of documentation from the original creditor, not the debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$13000.00} XXXX  XXXX {$5600.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$830.00} XXXX XXXX  XXXX {$850.00}

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 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$13000.00} XXXX  XXXX {$5600.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$850.00}

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 2020-01-06
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: MRS BPO, LLC
State: MI
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:
Mrs Bpo Llc is appearing on my account with an account from XXXX. Please verify this debt, as it has appeared on my credit account 3 different times under different creditors. This account was paid in full to the original credit XXXX  due to return equipment in the winter of 2019. This is an attempt by a company without any access to pay them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX dollar ongoing charges for car washes that i did not authorize for a total of XXXX. I never enlisted in the XXXX XXXX car wash program.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-20
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been having a problem with XXXX since XXXX 2016. They REFUSE to acknowledge that I have properly sent them paperwork for an income based repayment plan. I have fax machine confirmations that the paperwork has been properly sent. Earlier this year I contacted them about this problem because they have falsely reported to credit reporting agencies that my account is delinquent. They put the loan into forbearance and gave me until XXXX to fax the paperwork again. I did this in XXXX. Now I have credit reporting agencies calling me again telling me that XXXX is once again reporting the account as delinquent despite having the paperwork they demanded. Once again, they say they never received it. The fax confirmation says otherwise. They are DESTROYING my credit report maliciously and without provocation. I have done everything I am supposed to do. They are doing this to millions of people, it 's why you 're already suing them.

Company response to consumer: Closed with explanation