BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
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:
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 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 explanation
Consumer complaint received 2023-07-19
Company: Upgrade, Inc.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Two weeks ago, I attempted to access my account through the upgrade.com website, as this is the only way to make payments. I was denied access because my phone number had changed and now no longer matched what they had in their system. It did not matter that I answered every single question they hadthey were adamant that I could not gain access. I asked them to change my number to my new number. I emailed everything they asked for but instead of changing my phone number, instead I would get another email wherein they would add another requirement. Ten ( 12? ) emails later, I STILL can not gain access. I can not make my payments because no access. They do NOT send me bills. They only way to see my payment owed is to access the account. I have proof of every requirement and my response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Hello I was give a letter with reference XXXX says XXXX XX/XX/XXXX from Paramount recovery systems I suspect this is just wrong information on my behalf with my name and last name I know I don't owe anybody money it doesn't even give me a number where I can reach somebody I am tired of getting this false information on my behalf claiming I owe somebody money it even says I owe {$1100.00} the mailing says Paramount recovery systems, XXXX XXXX XXXX XXXX XXXX, TX XXXX this to me is XXXX XXXXXXXX just a letter saying whatever is implanted in their behalf investigate their address not me Thank you I hope I get some kind of help sent to my address

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was trying to use my card while travelling and it was blocked. When asked to confirm my identity, they said my responses were incorrect. For example, my mother 's maiden name. Which hasn't changed for her entire life. The responses I gave are 100 % correct, but the data they collected from " public records '' was incorrect. I was then asked to prove my identity because they obtained incorrect data. Not only was I stranded without a travel card, but I was denied to close my account. According to their security department, their methods of collecting data was not by my own submission but from a third party. I was asked to send copies of my Driver 's license, Social Security card and bank account statements. I refused and the poor customer service ensued. I have impeccable credit ( score of XXXX ), I have never had any problems with verifying my identity when asked. My mother 's maiden name has never changed and the other answers were correct as well. Barclay 's simply refused to listen to the fact that the data they are using is incorrect and instead has blocked the account. I simply just want to pay my balance in full and close the account. The said they would not close my account. I feel it is a fraud risk to have to send copies of my identification, social and bank statements in the mail or by email. Especially with a company I do not wish to have my data anymore. And that does not have the technology to pull the correct identifying data for their clients. Instead of admitting theor own errors, they put the burden of proof on me.Submitting these documents is not common practice. I refuse to put at a higher fraud risk

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 2018-08-31
Company: HYUNDAI CAPITAL AMERICA
State: FL
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 complaint is in reference to account # XXXX. XXXX XXXX placed a late payment on my credit report around XX/XX/2018 and my account was taken off auto pay. I have never been late in my life and contacted the company and informed them I was on auto pay and it was taken off early. This was not my mistake and it causing me severe financial harm. I was on auto pay and paying as agreed and their company somehow discontinued the auto pay when it should not have! I have sent them copies of emails from their company with this information. I am even in a new XXXX and signed a new lease and was told by the salesman everything was fine. Please remove this late payment asap, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have made several calls, written several letters and sent this same affidavit to Transunion and they refuse to respond. I continue to tell them that I am a victim of identity theft and have told them that they are violating my rights by having the information on my report. Can someone help me?

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 2023-07-19
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. XXXX and TransUnion must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 2023-08-30
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have received numerous American Express gift cards from my employers over the past few years. I could use them almost anywhere - XXXX, XXXX, other online vendors, grocery stores, sports stadiums. Sometime between XXXX, all stores stopped accepting my digital cards. 

The cards would be declined by American Express, even though I had sufficient balances on the cards. When I called in to ask about it, American Express representatives assured me that this was to prevent fraud. They explained that they were no longer allowing most online payments for my type of virtual gift card. They assured me I would be able to add the cards to my XXXX XXXX and use it at brick-and-mortar stores. Contrary to those assurances, the cards were also declined at those stores. 

I can not use these cards anywhere - I have been trying for months. 

I called American Express and asked to have my balances transferred to physical cards. I was told the type of gift card I was given can not be transferred. 

In my discussions with several American Express representatives, they told me that these prepaid gift cards can not be charged too close to their current balance, nor can they be used for partial payments. This policy appears to be designed to skim money from every single gift card. 

I currently have a balance of {$150.00} across four gift cards that I can not use. This was money given to me by my employers. At the time of purchase, these cards were usable - I have used each of them for at least one transaction. Sometime after their purchase, American Express stopped allowing me to use these cards. 

My employers ( the purchasers of these cards ) have been similarly unable to get American Express to release my money. 

American Express Prepaid Card Management Corporation is holding my money hostage and refuses to offer me any viable solutions to release my funds. I have spent hours on the phone talking to multiple company representatives and all they can tell me is that I should try again at another store. They tell me they are working on a resolution but it's been nearly a year with no change. 

Moreover, American Express continues to advertise their gift cards as " Widely Accepted. Use this Gift Card at merchants that accept American Express Cards in the U.S. '' And : " You can use your American Express eGift Card with any United States-based online, phone, or mail-order merchants wherever American Express Cards are accepted . '' This is no longer the case and the company knows this. 

I have found numerous accounts complaining about this issue. Physical cards are more likely to be accepted but digital cards are increasingly hard to use. I am finding it impossible. 

I have also filed a complaint with my state 's AG about this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-19
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After giving birth to my child, I accrued medical bills due unbeknownst to me due to the 30 day birthday rule after my insurance paid for my child 's post 30 day stay & did not pay for the initial 30 due to my husband 's birthday being first. 
After several months of working with the XXXX  group to change several things, i.e. charge my husband 's insurance, untimely filing according to his insurance, as well as appeals & having them change their tax ID to be within network my bill was officially paid by XX/XX/2023 with verification XX/XX/2023 when I called & spoke to the XXXX representative via phone call. 
I had gotten a few calls from XXXX XXXX XXXX XXXX & had asked them to put my account on hold, as well as having the XXXX  group ask them to place my account on hold, which they had agreed to. 
Again, as of XX/XX/2023 my bill was paid in full & I owed a balance of {$0.00}. 
However, I have had an account opened in my name on/around XX/XX/2023, consequently dropping my credit score from near excellent, to below XXXX, which it has never been in my life time. 
When contacting XXXX XXXX XXXX XXXX XX/XX/2023 they had said they would update their end, however, was asking how I would like to pay the accrued interest of {$2000.00} as well as receiving a letter in the mail speaking of legal action on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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: Account information incorrect

Complaint:
Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged student loan account from US DEPT OF EDUCATION that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on Experian and XXXX. I sent a debt validation letter to the creditor requesting validation of the alleged account. They failed to provide me validation, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Experian and XXXX is participating in fraud with US DEPT OF EDUCATION and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on 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 2023-01-08
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Issues with Wells Fargo from loan application all the way through processing and closing which is now effecting us in payments a year down the road. XX/XX/XXXX we closed. During the process, we locked in our rate during origination and then to be told during processing our rate is allowed to change. We had to escalate up two levels of management because our rate increased and Wells Fargo said that was allowed to happen even when rate was locked in. We were finally after a week of restlessness able to get our locked in rate approved. We also had a few issues during closing, a couple fees appeared shortly before closing that had not been on the closing disclosure before. Those however we ended up paying because they would not remove no matter how hard we tried. I wrote Wells Fargo corporate on the unethical business practices to be told nothing would be done by their complaint department. If I wouldnt have previously worked in the mortgage industry they would have completely been able to take advantage of me. Now in late XXXX we are struggling to pay our mortgage here to find out that our property taxes doubled ( extremely unlikely this being initiated by our county ). Wells Fargo refuses to take responsibility for not accurately having our property taxes on our closing disclosure making our mortgage increase {$500.00} per month for the next year from our original amount. After 12 months we will still be {$300.00} more than originally paying. This is an additional {$100000.00} over our 30 year loan from our closing mortgage monthly payment. No one is able to tell me why or how this happened at Wells Fargo. There were people in the house prior, not new construction, and the previous owners had no special tax savings that could have otherwise affected our property taxes. This would have greatly changed our decision to go through with this home purchase if this would have been the monthly mortgage amount as this significantly straps us financially even without the increase in daily living due to the pandemic. Our mortgage has increased XXXX of the original amount signed at closing. I understand minimal increased based on county tax increasing however our county taxes have not increased. Wells Fargo did an escrow analysis based on the negative escrow balance to find out they missed something during closing.

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 2023-07-19
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm more than one occasion I have put money in Chase Bank on my checking account a large deposit and the money has disappeared I know I haven't paid it because I was saving that money but the bank shows that I was they took that money some have them kind of way and I know it's in the house I want to point the finger but I am concerned the person that sent my account up seem to come from another bank and therefore it has access to my information. So I switch Banks to Chase from XXXX XXXX XXXX because I had a social security going in and all of a sudden XXXX XXXX  XXXX dollars disappeared I added it up and I know because all I had was Social Security going in so then I go to XXXX and they claim that I had I spent my money I do not spend {$3000.00} a month except the fact that I was using XXXX and left to get back and forth to work I had {$2500.00} that I had not touched and even when I was using XXXX and I had like XXXX XXXX  XXXX XXXX in my savings account with XXXX this money did not just disappear so I added it up it comes out about a {$5500.00} to {$6000.00} that just disappeared out of my account that I did not spend and recently I just went to the bank yet on Saturday and XXXX XXXX XXXX XXXX and I had charges for {$96.00} and which I had canceled the account and I still had charges and I had XXXX {$9.00} charger and no XXXX charges should have been on there at the same time even if I had joined some Club and they said that these charges have been on there recently well I did not I have the printout I've been checking my account it's just about every week and I'm not going to say I do it everyday but I was checking it every other day to check and see where my money was going and money was being dispersed somewhere it wasn't showing up in my account and it wasn't showing that I had taken it out but it was gone and they claimed I was spending $ over {$3000.00} a month I did some printouts and I'm pretty sure that and this started last year around about the time I switched jobs all right before I switched banks but this money kept disappearing my money, I put a dollar account and I never saw the money sorry I mean I put a {$2900.00} check and never saw the money, sorry I'm trying to use XXXX XXXX  and some of the words are not going in exactly the right way, but I am saying that I was depositing over {$1000.00} every XXXX weeks and money just kept disappearing. This was Chase Bank XXXX Kentucky XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company about this account that they are reporting and trying to collect. I have never had service with XXXX XXXX XXXX and I have stated that to the debt collection company, and they continue to respond with XXXX XXXX XXXX information. I have also contacted XXXX XXXX XXXX and they can not find such account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: ALLY FINANCIAL INC.
State: FL
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 purchased food from an online company. The meat arrived thawed. We cooked it, it was not eatable. We cooked more a few days later for guests, same thing, then my wife became sick. I complained to Co. They issued a partial refund of {$69.00}, they still owe me {$250.00}. They wont refund. I filed dispute with credit card co. They did nothing. They sent me a letter, see attached. 
1. They did not investigate with merchant. 
2. They did not give me explanation as to why I owe the balance. 
3. I asked for, but never received copies of documents from merchant proving that I owe the money. I received no documents. 
4. I was never told by credit card co. as to how much I owe and why.

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