BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
XX/XX/XXXXXXXX  I applied for the credit card and got approved. The term said XXXX pointsfor {$6000.00} spent in first 6 months, and additional XXXX points for 6 nights stayed in XXXX properties booked through XXXX. The reason I applied because I think the additional XXXX is attractive. 

XX/XX/XXXXXXXX  I booked through XXXX official site & stayed for 6 nights. But never got the XXXX points. 

XX/XX/XXXXXXXX  - XX/XX/XXXXXXXX  I talked to NINE ( 9 ) different agents for this matter. At first, I was told I need to wait for 8-12 weeks to get it. Then after 12 weeks, they opened & closed 2 cases to investigate why the bonus points were not granted to my account. Meanwhile, I connected with AMEX at least 5 times ( both online chat and phone call ) to ask about the investigation results. They just kept saying the case was closed & I was not eligible but can't tell exactly why I was not qualified. 

XX/XX/XXXXXXXX  I talked to a supervisor, after several argument ( he claimed that I was not eligible because there needs to be 6 different stays instead of nights, but the term he sent said otherwise -- > it CAN be the same stay with 6 paid nights ). After I explained the term, he said he understood the terms, said he will investigate this, asked me to upload all evidence ( including receipt & booking confirmation ) and get back with a phone call within 1-2 days, I did everything he asked, but he never call back. 

XX/XX/XXXXXXXX  I initiated another chat with an agent, he just kept repeating that the case was closed on XX/XX/XXXXXXXX  and no activity after that ( not as the supervisor suggested, that he will reopen on XX/XX/XXXX ). The agent said he will reopen the case for investigation. But I am super frustrated, by this time, the case was opened and closed 4 times, and still no resolution ( no reason provided why I wasn't granted the bonus points, nor was the points granted ) I think this is FRAUD and I felt cheated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, I thought I purchased a maltipoo from a company/ family called The XXXX XXXX XXXX XXXX On XX/XX/XXXX  I filed dispute charges because when I tried to gather flight information it was not provided so to protect myself I did filed dispute charges. USAA gathered more information and reversed the {$900.00} that I paid using through link sent called XXXX. I was asked to sent more information over such and a contract and anything related, I did that. Upon receiving another email requesting the same information, I uploaded the information again. On XX/XX/XXXX  I seen an email about the {$900.00} being reversed due to me not sending in the requested documents. I told the agent I did and she advised that I upload them on the USAA Send Documents tab, I did that. Today on XX/XX/XXXX   I seen my account was now - {$900.00}. I chatted in about it and was told the Dispute Team said the requested documents werent sent in. I requested to speak with a manager and was told a Resolution Team would reach out to me. Someone from the team called me today and did look over the documents and seen everything was sent that they requested. She also informed me that the team said the merchant did not match the payment method. I am not sure what that means but she said the team note that nothing in what I sent said anything about XXXX. I have nothing stating that name but I do have documentation about the agreed amount and the link that was sent to me, which is now showing expired. This was my first time hearing about the merchant and the XXXX not matching. They can see based on the information that I sent, which the Dispute Team deemed mostly irrelevant, that fraud was at play. As of now a request was put in for a member of the Dispute Team to contact me in 3-4 business days but as now theres nothing they can do I am told since the merchant and the XXXX arent matching.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts 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 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 of 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 2023-10-27
Company: EQUIFAX, INC.
State: AL
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: Problem with personal statement of dispute

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My deep frustration and utter dismay regarding the ongoing presence of fraudulent accounts on my credit report, despite my repeated attempts to have them removed. I demand immediate action to rectify this egregious error and restore my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I can not overstate the frustration, XXXX  and inconvenience this situation has caused me. I have spent countless hours communicating with your bureau, providing the necessary evidence, and patiently waiting for resolution, only to be met with repeated indifference and inaction. Your lack of responsiveness and inability to resolve this issue promptly is not only unprofessional but also exacerbates the harm done to my financial well-being. 
Failure to comply with my request will leave me with no choice but to take legal action against your bureau for negligence and noncompliance with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws.

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 2023-12-07
Company: EQUIFAX, INC.
State: PR
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:
I am writing to express my concern regarding unauthorized disclosures of my credit information and unauthorized credit checks conducted without my consent or authorization. These unauthorized activities have negatively impacted my creditworthiness and caused me significant distress. 
I have recently been notified that my credit information, including previous addresses, has been accessed by unauthorized individuals or entities. This information has been used to conduct credit checks without my knowledge or consent. I am deeply concerned about the potential for identity theft and the detrimental impact these unauthorized activities may have on my credit score and financial future. 
I request that the CFPB investigate this matter and take immediate action to remove all unauthorized credit information and inquiries from my credit reports. This includes, but is not limited to, the following : Removal of all unauthorized inquiries : I request the removal of any credit checks conducted without my consent from my credit reports. 
Removal of all unauthorized credit information : I request the removal of any unauthorized personal information, including previous addresses, late payments from my credit reports. 
Investigation of the source of the unauthorized disclosures : I request a thorough investigation to determine the source of the unauthorized disclosures and to hold any responsible parties accountable. 
Implementation of measures to prevent future occurrences : I request that the CFPB work with credit reporting agencies and other relevant entities to implement measures to prevent future unauthorized disclosures and credit checks. 
My request for the removal of unauthorized information is based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 6802. This law prohibits the reporting of inaccurate or incomplete information on credit reports.

I am also available to provide any additional infor
mation that may be helpful to your investigation.

Thank you for your time and attention to this matter. I urge you to take swift and decisive action to protect my financial privacy and creditworthiness.

Company response to consumer: In progress
Consumer complaint received 2023-10-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX XXXX, I was robbed and my phone was stollen in XXXX where I live. The robbers were able to access my phone before I was able to call Chase and report the fraud. They had then sent themselves {$2000.00} XXXX transfer from my Chase account to theirs. I called Chase who advised me to fax them a police report from the XXXX, which I did fax to them, only for them to reply to me again saying that the claim is denied even though I have my full statement with the XXXX in the police report the had asked me to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: PA
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:
I am writing to dispute the accuracy of the information on my consumer report. Specifically, I believe that Equifax did not follow the proper protocol for validating information on my report, and I am now requesting information about their verification method. 

As a consumer, I have the right to accurate and complete information on my credit report. However, I have reason to believe that some of the information on my report is inaccurate or incomplete. I have attempted to dispute this information in the past, but have not received a satisfactory response from Equifax. 

I believe that Equifax did not follow the proper protocol for validating information on my report. Specifically, I believe that they did not verify the accuracy of the information with the original creditor or other reliable sources. Instead, you relied on incomplete or outdated information, which has resulted in errors on my report. 

Therefore, I am requesting information about Equifax 's method of verification. Specifically, I would like to know how they verify the accuracy of the information on a consumer report and what steps they take to ensure the information is complete and up-to-date. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have only recently discovered that a debt collection agency has submitted a report against me. I have NEVER received anything in the mail from IQ DATA INT'L INC XXXX 
Approximately 6 months after I moved out of my apartment, I received a letter from a different agency. I called this agency and not only did this agency determine that I did not owe XXXX XXXX any money, but they owed me approximately {$200.00} left over from my deposit. The gentlemen I spoke with assured me that this would be corrected and the collection would be canceled. 
Approximately 6 months later, a different collection agency which I presume was IQ Data ( I do not recall the name ) called me and once again stated that I owed XXXX XXXX money. I explained that I had already addressed this issue with a different company and would not be making any payment to them. They continued to call and harass me, and I continued to tell them that I would not be making any payments to them. I also asked them to send me the bill if I supposedly owed them money which they never did. 

To this day, I have still not received any documentation from IQ Data. Please assist in anyway that you can. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXXXXXX 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

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 2023-11-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All three credit bureaus EXPERIAN XXXX XXXX XXXX are showing my XXXX loans with balances in which my loans has been paid in full. This adverse information is harming my credit report with this inaccurate information reporting.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I discovered an incorrect address, on my credit report that does not belong to me. Despite my continuous efforts, including multiple phone calls over a period of 3-4 months, and speaking with different agents, the company informed me that they couldn't remove the address because it's linked to an account. I want to emphasize that I have never lived at that address, and the account associated with it is not mine. To address this issue, I began sending dispute letters for the accounts that do not belong to me. In my attempts to resolve this matter, I have also attached my identification documents, clearly indicating my correct address, in an effort to provide the necessary information for verification purposes. Despite these efforts, the incorrect address continues to be associated with my credit report, causing ongoing issues. I have taken these actions to rectify the situation, but unfortunately, the problem persists, and I have not received any resolution from the company.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX has reached out about the inquiries. Experian has not updated the report to reflect the correct information. XXXX said the inquiries should be soft not hard inquiries. 
I spoke to a XXXX representative today regarding the last CFPB complaint. The bureaus continued to report the wrong information on purpose.

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 2023-10-27
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I received a phone call on XX/XX/XXXX from office of state location services about loan repayment that was due by XXXX that evening in order to not be served with documentation for a court date for a loan taken out in XXXX. No documentation was provided about the loan agreement. Loan was supposedly taken out for {$650.00} and if paid by XX/XX/XXXX by XXXX the payment amount would be {$900.00} but if paid in installments the amount came out to {$1100.00}. If served and with penalty total amount would equal to {$2200.00}. 
I explained that I never received any statements regarding a loan from cash net advancement repayment or that a loan was even distributed to my account. The company calling to collect this debt was XXXX in XXXX XXXX XXXX. Also looked into credit report and this loan was not listed on the report. No documentation was given to me in regards to this problem. A phone call was placed to my place of employment which I was not employed at the time of the loan was supposedly taken out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 writing to dispute the validity of the debt associated with the accounts reportedby XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to the credit reportingagencies. I have strong reason to believe that this alleged debts is fraudulent, and itsinclusion in my credit report is both inaccurate and damaging to my creditworthiness.As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit ReportingAct ( FCRA ), I am entitled to receive validation and verification of this debt uponrequest. I hereby request that you provide me with all necessary documentationvalidating the debt, including a copy of the original contract or agreement, anystatements reflecting my obligation, and the chain of ownership demonstrating howyou acquired the alleged debts. All accounts listed in Identitytheft are opened not byme and follow the law must be removed from credit report immediately. Furthermore, I request that you cease all collection activities related to this account until you haveprovided the required validation. Any failure to comply with this request within thestipulated timeframe may result in legal action, including but not limited to a lawsuitfor violations of the FDCPA and FCRA. Please be advised that I am aware of my rightsunder the FDCPA and FCRA and will not hesitate to pursue legal recourse ifnecessary. Additionally, I have already filed a report with the Federal TradeCommission ( FTC ) and law agency regarding this fraudulent account.

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-11-20
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:
In accordance with the Fair Credit Reporting act XXXX XXXX # 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 602 A : It also states a consumer reporting agency can not furnish a account without my written instructions.

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