BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have an American Express Prepaid Card that simply just doesn't work. I loaded {$300.00} Today XX/XX/2023, and I tried to use it on XXXX, wouldn't work. XXXX, wouldn't work. I call American Express customer service, and the lady they put on the phone tells me " I recommend you use a service that needs the expiration date and 4-digit security code ''. I tell her " every website has that, my card still doesn't work ''. She tells me " I recommend you go to a different merchant to make online purchases '' And I tell her again, it does not work. And she just REPEATS the same statement. 4 times. they're basically telling me to try everything and hope it works. I'm not trying to HOPE for the best when I'm using a payment method. And now I lost access to {$300.00} CASH.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: SC
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:
Experian Is the only agency furnishing this account. This results in inaccurate information across the t consumer reporting agencies.

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 2021-12-28
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had any services with XXXX XXXX XXXX and my belief is that this is a debt that was discharged previously with case XXXX due to the amount being exactly the same. This service was in another state that I have never lived in and I have no knowledge of this company or the services that it provides. This company has sold this debt in attempt to collect something that is not owed by me. I am requesting that this fraudulent information be removed from my credit report immediately or legal action will be taken.

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 2018-08-29
Company: JPMORGAN CHASE & CO.
State: CA
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 disputed in writing an overcharge on my card statement and the credit card company called me to dismiss it in spite of the overwhelming evidence. They will go by whatever the merchant bills me for, not by what it was agreed upon and signed. If the merchant had decided to bill me for ten times the agreed, signed amount that would be fine with my card issuer, as they told me.. 

I disputed a XX/XX/2018 charge of XXXX XXXX on my card in the amount of USD XXXX. 

The SIGNED Agreement with this merchant was for Euro XXXX plus incidentals, if any. The merchant charged a larger amount by arbitrarily and unilaterally removing the agreed 12 % discount on the SIGNED Agreement, and thus overcharging me by Euro XXXX ( equivalent to the disputed USD XXXX at the exchange rate applied for the charge ). 

There were no additional charges or incidentals that could justify the overcharge. I contacted the merchant and they refused to correct the overcharge. The credit card issuer summarily dismissed the dispute in spite of attaching a copy of the SIGNED Agreement as well as a copy of the inflated unilateral bill that the merchant charged to my account. The credit card company called me and even the supervisor stated that since I signed an Agreement, the amount and concepts on the Agreement are irrelevant, and only what the merchant decides to charge later counts for them. 

This is fraudulent on the part of the merchant and on the part of the card issuer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-25
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have checking, savings, and investment accounts with Ally. On XX/XX/2023 Ally 's fraud detection system locked my accounts. I phoned Ally on XX/XX/2023 and was able to have a representative unlock my accounts. 

On XX/XX/2023 my Ally accounts were once again locked. I phoned Ally and after several hours was able to determine that Ally 's fraud detection system relies partially on the time zone a user 's browser reports to some XXXX code. Many privacy protection features in browsers will randomize the time zone or simply always report it as XXXX, regardless of where the computer running the browser actually is. 

This code told Ally 's fraud detection system that I logged in from XXXX, although there is other data available such as IP address that would contradict this. The representative I talked to was able to see the IP address recorded for the activity that locked my accounts : it is the IP address for my cable router at my home, a well known address to Ally 's systems since I log in from home very frequently. Somehow, Ally 's fraud detection system or their operation of their fraud detection system did not take this into account. 

The representative told me that this exact problem happens very frequently, but by policy they are unable to unlock my accounts unless a fraud investigator approves it. Since it was Friday and the fraud investigator assigned to my case had already finished work for the week, I am left without access to my money until Monday  XX/XX/2023 at the earliest. 

The representative further told me that they thought ( but could not confirm ) that my accounts were unlocked the first time because a fraud investigator was immediately available, and that the accounts were locked again perhaps due to a mistake by the fraud investigation department.

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 2021-05-05
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for a Chase Business Credit Card about a month ago. I was ultimately denied due to a couple of issue that were on my credit report. I had since resolved one of the said issues and was calling in to have that information reconsidered. The agent said I was still within the 30 day window during the call and she just need to resubmit for review and they would reach out about proof of the paid charge off I had settled. They never reached out, so I called to be told I was denied again. But, my complaint is that they did another hard pull on my XXXX credit report that I did not authorize. Like I told the supervisor " XXXX '' whom I spoke to, I would not authorize another hard inquiry from them, especially within the span of 1/2 months. If they pull their own recorded calls they would clearly hear I did not call to have my credit pulled again, I called to submit new information that should have gotten me approved. The latest pull from them I am disputing occurred on XX/XX/2021. It was not authorized and should be deleted immediately. It negatively affects me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: TX
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:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.

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 2023-07-27
Company: Experian Information Solutions 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2021-12-28
Company: Experian Information Solutions 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:
Dear XXXX XXXX XXXX : You have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for you, XXXX XXXX XXXX was placed within my credit file on XX/XX/2021. The Act specifies that you must document your reasons for requesting my report and, when in error, remove them as well. I am depending upon XXXX XXXX XXXX to follow the statute : Either provide documentation that the law was followed by researching the matter at once, or remove this offending inquiry as soon as possible. 

Yours truly, 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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00}

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 2021-07-24
Company: Receivables Management Partners, LLC
State: AL
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:
I sent letters to have items verified to the credit bureaus and have not received a response. Letters were sent on XX/XX/2021 and items have not been verified or removed. Items have been listed as investigated, and has dropped my credit score but I have not received any notification electronically or by mail with an explanation. I have sent more letters on XX/XX/2021. I am looking to become a homeowner and this is really hurting my chances and hurting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: PENTAGON FEDERAL CREDIT UNION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Penfed after receiving my complaint via CFPB stated my account would be closed due to fraud. I requested a detailed explanation of such yet the associate stated this was the determination of Penfed and nothing else could be provided. Previous communications with Penfed proved this to be untrue as I was told that my prior document was insufficient and that I had to provide a color copy with all pages available. I provided everything that was requested and contacted the utility company to see if they had spoken to anyone at Penfed they stated they had not. I waited over two weeks and feel this was a discriminatory act as I escalated the complaint. I spoke previously to the director of the loss prevention department and he stated there were no issues with my documents. 8 different Penfed associates reviewed my documents and no issue was ever brought forth. They stated they are not going to restore my account because of fraud yet have provided no proof of such as I have not committed fraud.

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 2023-03-30
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited it check for XXXX on XX/XX/23. I was told it would be on hold until XX/XX/23. The funds were released to my account and then taken back with a new release date of XX/XX/23. I am depending on this money for bills and now Im totally upset as I am about to lose my power and place to stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: BARCLAYS BANK DELAWARE
State: FL
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:
In late XX/XX/2021, I mailed a certified check ( # XXXX ) to Barclays in the amount of {$5800.00}. I waited about 2 weeks until I began to worry that the check had not been credited to my account. At that point I called Barclays about the check but they said they had not received anything. At that point I thought maybe the check was lost and that I would just get it reissued by the title company through which I had completed a refinance with. After calling the title company which issued the check, they confirmed the check had cleared. I then called Barclays again to inquire about the status of this check I had mailed them. The Barclays agent told me they had created a dispute and that I would receive a response from them in the mail. On XX/XX/2021 I finally received a letter acknowledging my dispute and requesting documentation for them to investigate. This was the one and only communication I have received from Barclays in 5 months of reaching out to them. I needed to request this documentation from the title company which issued the check which took some time. After receiving copies of the front and back of the check, I sent these certified mail to the address listed on their dispute acknowledgement letter around early XXXX. It has now been 2 months since I have mailed, called and emailed them and have not received any response from them at all regarding the check.

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 2019-03-22
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was XXXX with my XXXX child in XXXX. She was born in XX/XX/XXXX. I was on XXXX then because I was not working. I had been on XXXX since my son was born the year before that. I was a patient at XXXX in XXXX. I was always seen for appointments here, and never was questioned about my Medical coverage because of what they already had on file. Never did I have to pay a co-pay of any sort. Toward the end of the XXXX in XXXX I had to do the renewal paperwork for the upcoming year. I turned in everything, and was always told I was missing some sort of paper. I would get that in and something else would be missing. I was worried that coming up the birth would be affected by this and I knew it would be expensive. So I did everything I could and complied with whatever was required of me. I even tried to hand carry in the documents in the office in XXXX but they told me I could not do that, and I would have to mail them. I just didnt want them to get lost. So I would mail them from outside their office. They had informed me that they would back pay the payments 3 months from the submission of my application while it awaited approval in XXXX. Come the birth, we stayed days and they nurse told us XXXX had only covered 3 days, therefore I was covered again. I recently applied for a mortgage loan and was ready to close in the next few weeks. A new collection from XXXX had popped up and dropped my score significantly. I immediately called XXXX and asked what I could do to get this removed because of the situation that I was in. I had told the lady that I thought this whole Insurance thing was behind me. I had already spoken with XXXX and XXXX about paying the past bills because they would retro pay the time I was still getting in documents that they kept losing. XXXX had me call XXXX to ask if I could pay them and have them remove the account from my credit report. The Manager there told me she was unable to do that because once it leaves their office it is out of their hands. I told XXXX this and they said it was false, they will only let the Credit Bureau know my account is paid off, but will not delete. Only the Hospital can do that. So I went back and forth getting nowhere. All I wanted to do was pay off the entire debt and get it cleared. I had told them I was willing to pay it in full right there but nobody would help me get it removed from the report. This entire thing was a mix-up and is now so old, I have no documentation for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX a deposit from irs for the amount of {$40000.00} on XX/XX/XXXX a hold was placed on my account for unusual activity. I have contacted chime on numerous occasions since, provided all documents needed and still have yet to receive any information about my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Village Capital & Investment LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX The Mortgage company has somehow attached my email to a XXXX XXXXXXXX XXXX refi loan. I am receiving emails over the past XXXX XXXX months with XXXX XXXX personal information, SS number, full loan application with all of XXXX XXXX financial and personal information. I am not a party to this loan nor have I have any contact with this loan. I have reported the error in miscommunication to Village Capital Investment and was told it was a mistake and I will not receive any information. 
I, Today, just received a full financial package for XXXX XXXX with the ability to see everything. XXXX XXXX financial information is now being subjected to possible exposure and fraud. XXXX XXXX needs to be communicated that his information has been leaked by Village Capital. 

To repeat, I am not a party to these people, nor have I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: EQUIFAX, INC.
State: GA
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 is my third request that maybe use as proof in a court of law, for you to remove inaccurate information in my report due to identity theft. You have stated that the public records belong to me but you have as a third party reporting agencies you have to have physical evidence in order to list this account in my credit, I'm a litigious consumer an I intent to enforce my right My information had been breach in recent and pass data breaches, accounts, inquiries, public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A, state that you must have physical verification of any items reported on a consumer credit file.please remove all this items from my credit report. These event has prevented me from getting finance as well as a better job to better my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
Company: EQUIFAX, INC.
State: UT
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 have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation