BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX 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 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights to privacy. 

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.

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 2023-07-28
Company: Experian Information Solutions 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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX , XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ;  XXXX XXXXL XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$68.00} ; XXXX  XXXX XXXX Balance : {$26.00} ; XXXX  XXXX XXXX Balance : {$36.00} ; XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXXBalance : {$470.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$450.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$880.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$7500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; DEPT OF EDXXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: JPMORGAN CHASE & CO.
State: MD
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:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I purchased bathroom ceiling fans and pendant lights from XXXX online store as they were running 20 % designer sales along with Free gift with qualifying {$500.00} purchase promotion. 

I completed the three orders ( XXXX, XXXX, and XXXX ) and received email confirmation with the order totals clearly indicating the discounted price and free gifts, but the merchant charged the full amount including the free gift item retail price. I've contacted XXXX for the billing errors, but they were not responsive. 

On XX/XX/XXXX, I opened the dispute cases on the 5 charges ( XXXX merchant individually charged when they shipped the items ) for the price differences as they should've not charged the full amount for the 20 % discount and free gifts. 

On XX/XX/XXXX, I received a letter from Chase indicating that merchant 's original charges were valid and closing the case because they thought the charges were valid. Please see the enclosed the letter from Chase. 

On XX/XX/XXXX, I responded with the original order confirmation emails from the Merchant clearly indicating the 20 % discounted prices along with free gifts and listed detail explanation to show there were clear billing errors. Please see the enclosed letter I submitted to Chase. 

Today XX/XX/XXXX, I received a notification from Chase that they closed my disputes because the original charges were valid and there were no billing errors. Please see the enclosed letter from Chase dated XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-15
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: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit reporting act XXXX account # XXXX, Account name 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 section 604 A Section 2 : it Also States a consumer 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 explanation
Consumer complaint received 2022-01-01
Company: WELLS FARGO & COMPANY
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:
On XX/XX/2021 I purchased electric fireplace from XXXX XXXX XXXX XXXX Total amount was {$1600.00}. The item arrived damaged and as per policy I requested to have this item returned. Even though I was eligible for XXXX pickup which I requested multiple times but did not get any pickup, i was forced to make a store return. 

XX/XX/2021 - My BF and my son had to take 3 very large boxes to our local XXXX XXXX XXXX XXXX store for a return. Address : XXXX XXXX XXXX Pl, XXXX, CA XXXX. Manager was assisting them and it was impossible for them not to be seen by everyone since what they were carrying was gigantic and required multiple employees assistance to process the refund. XXXX XXXX XXXX XXXX  did provide a return receipt that I unfortunately did not keep. I have never experienced an issue where a refund did not post and when cleaning the next day, I threw the receipt out. 

XX/XX/2021 - After seeing that no refund has posted to my XXXX XXXX card, I got concerned and called the local store. I was told there is nothing they can do for me, the refund was processed and I would have to call my credit card. 

XX/XX/2021 - I submitted dispute to Wells Fargo and provided all needed information. 
Dispute # XXXX XX/XX/2021 - I received notice from Wells Fargo that my dispute is closed and that I am responsible for the charge due to not having evidence. There is nothing else they can do for me and my only action is to work this out with bed bath and beyond. Which I already tried and was told to contact my credit card company. 

I am hereby asking for assistance in receiving credit that is owed to me. XXXXXXXX XXXX XXXX XXXX  has video cameras and I can provide an approximate time as well as pictures of my BF and my son. It is impossible not to identify them on camera simply due to the size of the boxes and the amount of them not to mention see other associates on camera assisting. You can clearly see my BF left without the item.

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 2018-05-10
Company: Monterey Financial Services LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX has continued to report inaccurate information on my credit reports each month. I have called inquiring about the account number associated with the account and they have sent me letters indicating that my account is closed and in satisfactory condition. As the months continued, I have checked my credit reports and this company is still reporting on my credit reports. So I called them and asked " why are they still reporting negative information on my account? '' She asked for the account number and I gave it to her. She said that this account has a zero balance and I told her that was correct and I have the letters that were sent to me showing that. I was put on hold and then she comes back and tells me that the account that I had has a new account number and has been sent to collections. First of all, how can I get a new account number and it's sent to collections when I have received information that my account was satisfied. On top of that, on my credit report, it shows that I have an original balance of {$3800.00} but I owe over {$7700.00}. This amount continues to go up every month. This company has deceived me and wants me to pay this amount of money in which I refuse to do because my account has been satisfied. They are unfairly reporting inaccurate information and this is detrimental to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was informed by XXXX that a credit card application was filed in my name in XX/XX/2022. Also, I received a notification that there was a change of address in my name to an address in XXXX where I have never lived. I discovered that the credit card that was open was an account with Bank of America for XXXX XXXX when I was attempting to contact Merrill Lynch about other accounts. I contacted Bank of America in XX/XX/2022 and told them that I had never opened the credit card. Initially they filed it as being a credit card that I had open but that someone had stolen the number. They then kept the account open. 

I only discovered this because I didnt feel comfortable with my interaction with the person I spoke with at Bank of America and decided to call Bank of America again a few days later. That is when I discovered that they had left the account open and were going to send me a new credit card. I informed them that I never opened this account, I do not want this card and that this was fraud. They then told me they would cancel the account. I subsequently contacted the credit bureaus and put a fraud alert on my accounts for XXXX year. 

However, I am still seeing this account open on my credit report with the balance of debt affecting my credit score. I believe the credit balance is over {$2000.00}. However, since the person who fraudulently created this account changed the address to an address in XXXX, I have never received a single statement. 

I also recently saw from XXXX that someone had tried to open a XXXX XXXX credit card in my name. In XX/XX/2022. This also was not me and I fear that this inquiry has affected my credit score as well.

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 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am writing because I sent letters to the 3 bureaus about 5 or 6 months ago to address these fraudulent inquiries and collection accounts that I know nothing about. These bureaus and companies are affecting my credit and no one is responding to any of my complaints in trying to fix the situation. They are violation laws by reporting wrong information as well in all those reports that I seen, saying the same accounts were opened on different days and that's not right. I am a victim of the XXXX  breach and these are all false and I need help in rectifying this. If this can not be resolved then I will have to seek litigation because this is criminal that they doing.

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 2019-07-17
Company: JPMORGAN CHASE & CO.
State: VA
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 hold a Chase Sapphire Reserve credit card and have used it consistently for roughly two years. I pay a {$450.00} annual fee to do so. On XX/XX/2019, I attempted to book travel through the Chase travel service, one of the benefits of the card. After an hour of poor service, the Chase representative ultimately billed me in duplicate 11 times, {$68.00} each time for a total of {$890.00}, both on my Chase card and on a separate XXXX card that they made me provide after being unable to bill my Chase card. 

When I saw these pending I immediately called in was assured these charges would not be posted. They were all posted. 

I was directed to contact their travel customer service at : XXXX. 

I emailed Chase multiple times in XX/XX/2019, called in again multiple times, and was assured each time not worry. 

After seeing no refund come through for any of the 11 duplicate charges, I have now emailed again multiple times in XX/XX/2019. My emails are no longer being responded to. Calling in, Chase representatives insist that I use the email. 

As I write this on XX/XX/2019, the 11 duplicate charges totaling {$890.00} that Chase billed me on XX/XX/2019 have not been refunded and I am unable to get an adequate response from anyone at Chase. 

Chase is a major institution and their credit card service is only a sliver of their business, but this conduct is unacceptable. I would not tolerate this from any business, let alone from a leading bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2018-09-04
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
DEMAND FOR REFUND OF UNPAID WELLS FARGO PAPER BILLPAY CHECK NEVER RECEIVED BY PAYEE. 

Submitted bill Pay payment. Recipient never received the paper check that bank says they mailed. Followed up with the bank using their online " Make an Inquiry '' and stated that this payment was never received by the recipient, creating claim # XXXX. Bank records indicate the check never cleared. 

Wells Fargo provided a response that implied they would actually take action to resolve the claim. However, they have done nothing, and only communicated with me when I followed up last week. Their followup was meaningless and suggested they have done all they can do. They did not do what they said they would do in the message. See copy of their XX/XX/XXXX response at the end of this message. 

Wells Fargo Claim : XXXX Payee Name : XXXX XXXX XXXX Payment Amount : {$200.00} Payment Reference No : XXXX Schedule Date : XX/XX/XXXX # # # XX/XX/XXXX Claim : XXXX Payee Name : XXXX XXXX XXXX Payment Amount : {$200.00} Payment Reference No : XXXX Schedule Date : XX/XX/XXXX Dear XXXX XXXX : We are writing to update you with the current status of your claim referenced above. We value our relationship with you and are committed to addressing your concerns and making the claim process seamless for you. 

Based on the information provided in your claim, our initial research has determined that we sent this payment as you requested ; however, we want to help you resolve the issue with your payee. 

To help you resolve the issue with your payee we will : 1. Contact XXXX XXXX XXXX 2. Work with XXXX XXXX XXXX to determine what information they need to locate and/or refund your payment - If we need additional information from you, we will contact you via phone/email - If XXXX XXXX XXXX requires your authorization to talk with us, we will attempt to reach you via phone and initiate a conference call with the payee 3.We will send you email ( s ) to inform you on our progress by sending updates to your secure Messages & Alerts inbox at wellsfargo.com and we will notify you when updates are ready for you to view To request copies of documents we used to make our initial determination, please contact us using the methods below, and have your claim number XXXX available. 

If you have questions or need further information about your claim we would be happy to assist you, please call us Monday through Friday from XXXX XXXX. to XXXX XXXX. Pacific Time at XXXX. 

Thank you. We appreciate your business. 

Online Claims Wells Fargo

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Council Reporting Act, these following account numbers have violated my rights : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2. states a consumer reporting agency can not furnish an 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
Consumer complaint received 2021-12-07
Company: Experian Information Solutions Inc.
State: MS
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:
I filled a complaint with CFPD two months ago Case # XXXX. This issue is with a mortgage that was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX 
Amount & XXXX. XXXX has sent a letter to all 3 credit reporting company earlier this month. This info is still reported twice on my credit report. I need this corrected asap I have made several call but nothing has change.

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 2022-10-25
Company: Experian Information Solutions 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:
On my report there is a credit card I did not recognize. I called the company months ago. They verified the debt saying I did open the account and would help no further. After multiple attempts to fix this they continued to say I owed XXXX XXXX Finally I asked them to remove it if I just paid the debt, that I didn't want it on my credit. They refused. They told me they would only report it paid off, it now shows a XXXX balance but still as charged off and not paid off just closed charge off. This was done in XX/XX/XXXX they are still reporting this as a late payment every month both XXXX and XX/XX/XXXX. I want this off my credit. It is through XXXX XXXX XXXX  open date was XX/XX/XXXX. Last Status change date was XX/XX/XXXX. This is harmful and irresponsible of their company to continue to harass my credit. I never authorized this card to start with and assumed if I just ate the cost it would be worth it to have it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation