BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX we notified American Express that they had paid out of our account fraudulent claims, We were told that it would be turned over to the fraud department, XX/XX/XXXX tthe fraud department told us that we must submit a claim which we did. 
Talked with reps from the fraud department on XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Each time we were told that they were working on it and the funds would be put back within 10 working days, This has not happened, On XX/XX/XXXX I asked to speak with the fraud department supervisor and was told by XXXX that she could not transfer me but she would notify the supervisor and they would call me within 48 hours, Never received a call back, American Express Savings does not seem concerned about them paying out funds that were not authorized by the depositor, As you can see we have made every attempt to resolve this matter to no avail,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My account had a feature that allowed monthly service fees to be waived and they were not doing that and or for overdrafts and was done.

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 2023-10-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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:
Experian } Upon reviewing my credit report, I have noticed that there are inaccuracies XXXX Address ill been living at XXXX XXXX CT XXXX XXXX IL, only for the pass XXXX  years! 
that should be the only address on my report. 
XXXX Inaccuracies, pertaining to an debt, which I believe to be erroneous,

Company response to consumer: In progress
Consumer complaint received 2023-10-29
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX

Company response to consumer: In progress
Consumer complaint received 2023-07-24
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
In XX/XX/XXXX, I discovered an unfamiliar credit card account on my credit report with American Express. The account was associated with the XXXX XXXX XXXX XXXX. However, I had no knowledge of receiving it. I immediately realized that this account was fraudulent and that I had been a victim of identity theft. 

Despite my efforts to contact American Express and report the fraudulent charges, they insisted that the account was opened legitimately and that I am responsible for all charges, as per the Cardmember Agreement ( CMA ). I explained that I never received the physical card and that all the charges on the account were made by someone else without my knowledge or consent. 

In response, American Express initiated a fraud investigation on XX/XX/XXXX. However, their investigation seemed insufficient as they closed it on XX/XX/XXXX, citing a lack of necessary information. I continued to dispute the charges and provided additional evidence to support my claim, but it seemed that my concerns were not being adequately addressed. 

I am frustrated and concerned about the impact this fraudulent account is having on my credit score and financial well-being. It is essential for American Express to take my claim seriously and conduct a more thorough investigation into the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/2018 I lost my wallet which had my debit card inside, do to memory issues from a head injury I had my pin hidden in the wallet. I Advised USAA of this and the provided credits for the purchase made after card was lost. Then on XX/XX/XXXX they took back the credits. On XX/XX/XXXX I called USAA and I was told the case would be reopened and the money returned to my account. I have called over 6 times and was told that I would receive a call about this with in 1-2 days. Each time no one has ever called me. I am on SSI and every penny counts and now they have taken back over {$400.00} on things I did not buy. USAA refuses to do anything to correct this issue. USAA also claims that stores are required to ask for photo ID when a debit card is used if not then it is there fault.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: IL
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:
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX I know nothing of this debt, But I am constantly getting calls and mail In regards to this debt, I am a consumer and my rights as a consumer matters, If your organization is unable to help me, I will speak with my lawyer, I would like a response within 15 days please. 

XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX  A Account number : XXXX Date opened : XX/XX/2022 Account type : Open Account Status updated : XX/XX/2022 2022

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 2022-12-27
Company: EQUIFAX, 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
TransUnion is in violation of 15 USC 1681b. ( a ) ( 2 ) Any Consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I have given both verbal and written instructions concerning a credit account with XXXX being removed from my report. I spoke with an agent on XX/XX/2022 regarding the removal of these fraudulent accounts and as a result of the several laws that I had listed that were and continue to be broken by Transunion, account were successfully deleted. With blatant disregard for FEDERAL LAW, an account has been added to my consumer report. This is a blatant disregard for the law since they aren't following the instructions of law according to the FCRA. Please see attachment.

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 2018-11-28
Company: Continental Finance Company, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Yes i have an account with XXXX credit card i pay my minimum payment each month but it all goes to fees and interest i never seem to get ahead in payments.i talked to them and they were not helpful.please help me in this matter.

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 2023-10-16
Company: Chime Financial Inc
State: FL
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've been banking with CHIME FINANCIAL INC.. ( CEO XXXX XXXX XXXX Co-founder XXXX XXXX XXXX who is partners with XXXX XXXX XXXX XXXXXXXX since XXXX and never had an issue until now. on XX/XX/2023 through XX/XX/2023 there was a total of {$100.00} taken out of my account between 6 unauthorized transactions made in my checking 's account through the merchant XXXX XXXX. My debit card was in my possession that day and never gave anyone my card information. I always memorize my card pin, card number, expiration date, etc. I never write any of that information down. I called Chime Financial Inc that same day, on XX/XX/2023 to report those transactions as unauthorized and made a dispute due to the fact that I never owned an XXXX console and never created an XXXX account with my own personal information. I don't have any family members or anyone that I know that owns a XXXX. Chime Financial Inc. started an investigation and in the meantime were able to provide me with a credit of {$100.00}. Upon investigation being completed, Chime Financial Inc stated that there were no error that occurred and reversed the credit from my checking 's account on XX/XX/2023. I didn't realize they reversed the {$100.00} out of my checking 's account until this happened AGAIN and more unauthorized transactions were taken out of my checking 's account on XX/XX/2023 through XX/XX/2023 in the amount of XXXX between 5 unauthorized transactions. After going through my " bank '' statements, Again I called Chime Financial Inc to report unauthorized transactions from the SAME merchant XXXX XXXX and dispute those charges. While that investigation was ongoing, I had them reopen the first dispute I made for the {$100.00} because even though they claim to not have found any error occurred, I know for certain that I did not make those transactions. I had them reopen the first investigation at least six or seven times with supporting documentation showing proof that the charges were indeed fraudulent, I even reached out to XXXX XXXX and they were able to send me a email stating that the charges are fraudulent, and each time Chime financial Inc would deny my case and told me that there was nothing they can do and that they do not issue refunds even though they are FDIC insured which I will be reporting to them, as well as a police report and getting in contact with a lawyer, I shouldn't have to fight this hard but I will take legal action if needed and sue XXXX XXXX and XXXX XXXX. All I want is my money back in the total amount of {$330.00}. Thank you

Company response to consumer: In progress
Consumer complaint received 2023-08-24
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Account # XXXX This account is paid in full. I have attached a receipt XXXX XXXX XXXX emailed to me after receiving payment in full. 
Please remove this account my credit report immediately thank you.

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 2023-07-24
Company: U.S. BANCORP
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/23 I opened an account with US Bank ( account # XXXX. I was promised a {$500.00} bonus if I kept the money there for 60 days. I signed up for e-statements. They sent me a paper statement and charged me {$6.00}. That would make me ineligible for the {$500.00}. I called them, they reversed the charge and I was told it would not affect my bonus. After 60 days I called and they said I was not eligible for the {$500.00} because the balance went under the {$3000.00}. I have called them at least 10 times trying to fix this. I feel they purposely sent me a statement so they would not have to pay me and then they lied about it. I would like my {$500.00} as promised.

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 2023-07-24
Company: Early Warning Services, LLC
State: AZ
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 consumer reporting agency, Early Warning Services and XXXX XXXX is reporting inaccurate, outdated, or invalidated information on my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: Freedom Mortgage Company
State: VT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Firstly, this is late Friday on a holiday weekend, so all that was left to me to " work things out '' was to use the message portal, which will not be seen until probably, Wednesday, XX/XX/XXXX at the earliest. ( Email stated two business days to reply, ) A vague message was on my account in XXXX, possibly earlier, about escrow review. The first indication of my having an overage was by US mail. I used the message portal to inquire if " the check went out the door '' then heard nothing for two weeks. In the meanwhile, I received a paper check for the overage and a new monthly payment amount. After receiving the check, I figured I had already received my answer, it did go out the door, and then made plans for depositing. I have no car, so I use bank by mail with XXXXXXXX XXXX. I promptly mailed them the check, which has yet to be credited, and with the holiday coming up, used my money to effectuate a prompt principal payment, and wait on the check to reimburse myself. 

Without consulting me, I learned late on Friday of a holiday weekend, they voided the check without consideration of sticking me with a potential bank fee or that I needed the funds to cover other bills for the month. They also failed to check to see if the escrow funds, via a self-loan, had been used to apply to the principal. It was so late, they had closed.

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 2018-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
XXXX XXXX XXXX reported on my inquiry XX/XX/17 on my XXXX I did not apply to this creditor nor give authorization. I called both creditor and XXXX to have it removed from my inquiry no action was taken. 

XXXX XXXX reported on my inquiry XX/XX/17 on XXXX again I did not apply with this creditor nor give authorization. Called creditor and XXXX to have it removed from my inquiry no action taken. 

Capital One this was reported on my inquiry twice same day XX/XX/17 on XXXX and XXXX. Did not apply to this creditor nor authorize for credit. Called Capital One and XXXX and XXXX   to have them removed no action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To whom it may concern, This is my third written attempt to remove these inaccurate address and employments from my credit report. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.. 

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 response to consumer: In progress
Consumer complaint received 2023-10-17
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit 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 reported unauthorized transactions to chase a few weeks ago because my card was lost along with my wallet and ID. Several other credit cards were impacted by this incident. I received a letter through chase messages stating my credit Line was decreasing SIGNIFICANTLY BY 95 % percent! My original credit limit was XXXX when I initially opened the card. I have always paid my balances and made my payments on time. Im a single mother and use this card for emergency purposes! I depend on this card knowing I can use it if I ever have an emergency. I have good payment history! I have never had any other company decrease my credit limit so significantly! I believe chase took this adverse action because I Reported unauthorized transactions otherwise this would not have happened. I do not have any other credit cards with this low of a credit limit. I also keep My credit usage low. I have good credit history and a good credit score. This was an adverse action taken by chase.

Company response to consumer: In progress
Consumer complaint received 2023-07-24
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I purchased a {$100.00} prepaid XXXX on XX/XX/XXXX. Immediately after purchase I went online and registered the card and changed the PIN. Today I tried to use it and the purchase was declined. I went online to check my balance and the {$100.00} balance had been zeroed out at a XXXX store in California at XXXX hours on XX/XX/XXXX. This will be the absolute last time i will ever purchase XXXX of these US Bank prepaid cards. I had two {$100.00} prepaid cards that were fraudulently zeroed out less than one month ago. US Bank needs to get their act together and either stop selling these or figure out a way to keep the funds safe for the purchaser of the card.

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 2023-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Under the cares act that was signed XX/XX/2020 discount was not supposed to report late payments though it did to my credit report bureau I am requesting removal of late payment history due to the cares act that was signed in XX/XX/2020 there is an error in 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 2023-08-10
Company: EQUIFAX, INC.
State: NY
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:
This is a debt from XXXX XXXX XXXX opened XX/XX/XXXX for {$20000.00} regarding a timeshare that was not authorized by me and is reporting inaccurately. I have been trying to dispute this inaccuracy for over XXXX years and have attached my letter from XX/XX/XXXX. this unathorized and inaccurate account is not reporting on my XXXX and XXXX report. It is only reporting on Equifax which is a violation of 15 USC 1681eb which states accounts are responsible for reporting maximum possible accuracy at all times. XXXX also engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief