BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: CA
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 XXXX I sent out letters, certified mail, to Equifax, XXXX, and XXXX  stating that they are all in violation of the FCRA [ Fair Credit Reporting Act ] and are furnishing information without my consent and selling said information for profit, this is identity theft. I have also included an Affidavit of Facts with my letters that states who I am [ consumer, natural person, creditor ), the laws, the violations of the laws, and my demands for remedy. I am also sending this complaint via CFPB to ensure that it is documented that I am being taken advantage of and trying to fix these issues. This is my second attempt at resolving this issue with these bureaus, they have not complied and continued to violate my rights as well as the federal laws of the Fair Credit Reporting Act. This is my final attempt to resolve said issue, otherwise I will be seeking litigation due to the willful noncompliance as well as all the damages that their deceitful means of business have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: DISCOVER BANK
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have been inundated with promotions and advertisements from Discover Card. Mailings two to three times per week over several months telling me I was preapproved for a Discover credit card. Simply apply online to the address give. Finally, I did on XX/XX/XXXX. I then received a message telling me to call a number for additional information. When I did, I was asked to give Discover access to my income tax returns. I refused and decided to withdraw my credit card application. On XX/XX/XXXX I received a letter from Discover saying my application had been denied. I have called the company three times regarding this situation as they had already done a hard check on my credit which now appears on my credit report. I have asked why the letter didn't say I withdrew the application but did not receive a satisfactory reply. Apparently this is just how they do things. I feel their advertising methods border on harassment and are misleading and dishonest. Since I originally spoke to a Discover rep on XXXX XXXX and asked them to stop the mailings, during the period of XX/XX/XXXX to XX/XX/XXXX I have received 4 additional mailings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am, XXXX XXXX, Consumer and I am disputing inaccurate reporting by Transunion. 

Transunion, how was an investigative consumer report conducted for the following : Fair Collections & Out, Dept. of Education-XXXX  and XXXX XXXX? Which friend, neighbor or associates of mine ( XXXX XXXX, Consumer ) have you interviewed concerning the disputes I have submitted? How did you verify these accounts? 

I am proving through the following documents that Transunion has violated the above referenced laws. Transunion has stated through online disputes, written disputes and verbal disputes that an investigative consumer report was conducted and has come back as VERIFIED. So, how was it verified? 

The Department of Education XXXX accounts is being inaccurately reported as 90 days late on XX/XX/XXXX ; 120 days late on XX/XX/XXXX ; 120 days late on XX/XX/XXXX and 120 late on XX/XX/XXXX. How can there be such a big gap in alleged late payment dates? This is inaccurate information. 

How can I be reported OK on XX/XX/XXXX and be 90 days late on this alleged debt on XX/XX/XXXX then 120 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX? How is this being reported accurately? It is not. 

There is another inaccurate reporting from the Department of EducationXXXX alleged debt, How is it reported OK on XX/XX/XXXX then 90 days late on XX/XX/XXXX and 120 days late XX/XX/XXXX? How is this being reported accurately? It is not. 

The Department of EducationXXXX XXXX accounts are also in violation of 15 USC 1681i ( c ) because when I disputed the inaccurate information it was not noted on my Transunion consumer report as consumer disputes information It has been over 30 days. 

*Cited from Violation sent to Transunion* *I have attached violation Notice* *I have attached my government issued id*

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 2021-10-02
Company: Bread Financial Holdings, Inc.
State: PA
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:
On XX/XX/2021 I sent a letter to COMENITY BANK/VICTORIA SECRET. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Shortly after opening my American Express card, I setup billing from my bank checking account and enabled Autopay. My bank declined my first payment for some reason, but worked a few days later with the same account number/routing number. Unbeknownst to me, American Express cancelled my autopay. While they informed me that the payment didnt go through originally, I was never notified that autopay was cancelled. 

This month, I expected that my statement would automatically be settled through autopay, but I was surprised when I checked my account and I was assessed a late fee. I worked with Amex to reverse the fee after explaining that they cancelled autopay without my knowledge. 

My main complaint and worry is that this credit card company is able to cancel autopay and not notify customers that this has taken place. This allows them to be predatory in collecting late fees that customers dont expect because their accounts go past due, when they shouldnt due to autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: TX
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 recently requested the credit bureaus investigate a few account reporting for accuracy. They completed the investigation and stated the investigation was accurate. After the investigation was completed XXXX removed the account but Equifax and XXXX has continued to state its accurate. Under the fcra guidelines, once XXXX bureau finds the information is inaccurate the must share that information with the other major bureaus. I have sent both remaining bureaus a copy of the results. 

*XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with fcra these creditors listed above has violated my rights under 15 U.S.C 1681 SEC XXXX states I have the right to privacy 15 U.S.C 1681 SEC 604A sec XXXX. States a consumer reporting agency can not furnish an account without instruction 14 U.S.C 1681 SEC 623

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Rocket Mortgage, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage company XXXX Rocket Mortgage XXXX has repeatedly contacted us about refinancing and/or borrowing against the value of our home. Since the value of our home has increased, we asked if could have the PMI removed since the loan-to-value ratio was estimated to be below 80 %. We were told ( and I have this in writing in the form of a text ) that as long as an appraiser estimated the value of our home at a price that made our loan-value ratio lower than 80 %, we could remove the PMI. We got the house appraised, submitted the appraisal to Rocket Mortgage, then followed up and asked them to remove the PMI. They then said that we had to go with an appraiser of their choice ( something we explicitly asked them ) and they could not remove the PMI until that point. The text I received had a number and when I called that number, they claimed they had no record of that communication from Rocket Mortgage. Instead I was told I would have to make a principal payment of {$38000.00} do have the PMI removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-18
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid 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:
On XX/XX/2019, while checking in for a XXXX flight, I was provided with a link to apply for an American Express Delta Skymiles card. The offer was for XXXX miles provided I charged {$2000.00} to the card within the first three months. My on-line application was approved on the same date. My Delta Skymiles account shows that spending of {$1900.00} was credited on XX/XX/2019, and additional spending of {$500.00} credited on XX/XX/2019. On XX/XX/XXXX I was credited with {$30000.00} bonus miles for spending on the AMEX card, but never have been credited for the remaining XXXX miles as advertised in the offer. 

I contacted Delta Skymiles on XX/XX/2019, and was told by the representative that I would need to talk to AMEX. I contacted AMEX on XX/XX/2019, and was told by the representative that someone would investigate the credit to my account and get back to me. That has not happened. 

The bonus miles offer for the Skymiles credit card varies -- the offer I applied for is the one described by XXXX : https : XXXX American Express has engaged in a " bait and switch '' in not complying with terms as advertised. 

CFPB 's help in resolving this is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: ALLY FINANCIAL INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Ally financial have inaccurately reported late payments to the credit bureaus on my consumer report. I pay my car note as agreed. I was never late. I have contacted them but they still have not corrected this issue.

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 2021-10-30
Company: BANK OF HAWAII CORPORATION
State: NM
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
My husband was allowed to open a account while closing another ( that was joint ) but the funds were in both of our names. How can that happen?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
Chase Bank fail to provide FORM 1099-C for a Charge-off// The lender must file form1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter XXXX. 

The above paragraph is taken directly from the IRS 2021 publication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2022. My social security was deposited into my account at Citibank. I received an email and text message stating that a {$400.00} XXXX transaction was pending for a man that I didnt know. I called the bank and spoke with a rep and let her know that I didnt authorize that transaction and to cancel it and was told that it already processed even though it was in processing and that it couldnt be stopped. I was told that I needed to submit a claim which I did and then I was told to open a new account which I did also. My uncle sent me money to the new account and the man that stole the {$400.00} tried to steal the {$200.00} that was going to the new account. Citibank closed both of those accounts down and opened me up a new account. I have contacted the bank to see about getting my money back and nothing. I have contacted the bank several times. I have spoken to the head fraud investigator XXXX XXXX and still I havent gotten my money back. XXXX XXXX advised me that Citibank has had several customers hacked within the last few months and they are working on the problem, but I still havent gotten my money back. It has been exactly 30 days now from XXXX and still no resolution.

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 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XX/XX/XXXX submitted dispute regarding bankruptcy and ask the company how they verified the item. XXXX XXXX didn't have the information on file and transunion stated that's who they verified with.

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 2020-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 2022-03-29
Company: JPMORGAN CHASE & CO.
State: NY
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:
XXXX XXXX charged my Chase visa credit card {$1700.00} XXXX ( canceled ) the purchase was protected and I was nopt give a refund or credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Business & Professional Collection Service Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX {$120.00}. XXXX XXXX XXXX XXXX. 

I have no idea why am I getting this letter. I don't owe any money from this company, and I don't know anything about this company. Can you please advise and solve this, asap? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Navient Solutions, LLC.
State: TX
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 am, XXXX XXXX, consumer in fact. The Department of Education Navient accounts are being reported inaccurately as 90 days late on XX/XX/XXXX ; 120 days late on XX/XX/XXXX ; 120 days late on XX/XX/XXXX and 120 late on XX/XX/XXXX. How can there be such a big gap in alleged late payment dates? This is inaccurate information. 

How can I be reported OK on XX/XX/XXXX and be 90 days late on this alleged debt on XX/XX/XXXX then 120 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX? How is this being reported accurately? It is not. 

There is another inaccurate reporting from the Department of Education-Navient alleged debt, How is it reported OK on XX/XX/XXXX then 90 days late on XX/XX/XXXX and 120 days late XX/XX/XXXX? How is this being reported accurately? It is not. 

The Department of Education- Navient accounts are also in violation of federal law because when I disputed the inaccurate information it was not noted on my consumer reports as consumer disputes information *Cited from Violation Notice sent to Navient* *I have attached Violation Notice that has breached the 30 day response* *I have attached my government issued identification*

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Upgrade, Inc.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I'm not entirely sure if my creditor is taking action against me because I maxed out my credit card but my payments have been on time thus far. I do believe my creditor may be using my balance to shut me down by saying I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have called Netspend several times Over the coarse of 2 to 3 months regarding fraudulent activity on my account. Ive had almost XXXX representatives lie to me, Ive had representatives hang up on me and put me on hold instead of filing the charges. As of today, Netspend has told me that the fraudulent activity on my account was me! This is ridiculous and it is fraud at its finest. This company does not need to be in business. The charges were as follows I am disputing the following transaction ( s ) that were charged fraudulently to my account without my authorization : Amount Merchant Name {$53.00} XXXX XXXXXX/XX/XXXX {$25.00} XXXX XX/XX/XXXX {$250.00} XXXX XXXX XXXXXX/XX/XXXX {$16.00} XXXX XXXXXX/XX/XXXX {$11.00} XXXX XXXXXX/XX/XXXX {$93.00} XXXX XXXX XXXX FL XX/XX/XXXX {$23.00} XXXX XXXXXX/XX/XXXX {$240.00} XXXX XXXX XXXXXX/XX/XXXX {$33.00} XXXX XXXXXX/XX/XXXX {$130.00} XXXX XXXX XXXX FL XX/XX/XXXX {$80.00} XXXX XXXX XXXXXXXX MA XX/XX/XXXX {$33.00} XXXX XX/XX/XXXX {$33.00} XXXX XXXXXX/XX/XXXX {$430.00} XXXX XXXX XX/XX/XXXX {$11.00} XXXX XXXXXX/XX/XXXX {$23.00} XXXX XX/XX/XXXX {$81.00} XXXX XXXX XXXXXX/XX/XXXX *NETSPEND PURPOSELY HAS REPRESENTATIVES MESS UP CLAIMS JUST TO DENY YOU AND TELL YOU THEY ARENT FRAUDULENT. I will be seeking a lawyer.

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 2019-05-28
Company: Experian Information Solutions Inc.
State: IL
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX ; XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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