BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX at approximately XXXX XXXX, I was assaulted and robbed in XXXX XXXX. My XXXX XXXX XXXX and wallet containing my ID 's, debit cards, and credit cards were stolen. As a result, they were able to hack into my applications, make fraudulent transactions using my cards, and pull money out of my accounts in various ways. After filing a police report, my next action that day was to go to Chase and detail the attack to them in order to secure my account. At that time there was only a fraction of my funds missing and I believed I was doing my due diligence as a victim by notifying Chase so that they could prevent further fraudulent charges from occurring. However, due to Chase 's negligence the compromised account was left open, and the assailant was able to clean out both my savings and checking accounts. 

Since the attack, I have been on the phone with Chase every day their business accepts calls trying to give them what they need to settle the claims. I have sent two initial, as well as two full police reports detailing the original attack in XXXX XXXX, as well as a police report I filed in my own community for the fraudulent charges themselves, in which I detailed the original incident again. Chase has denied several of the claims containing some of the largest fraudulent charges. I have reasserted the claims more than once pleading with Chase to look at the evidence at hand. All of the fraudulent activity occurred on or between XX/XX/XXXX and XXXX, proving there is no way I could have authorized these transactions. I work for a XXXX XXXX  and have held a government security clearance since 2016. I would never do anything to put my career in jeopardy. I just want back what is rightfully mine. 

This experience was highly traumatic itself, but the possibility of not recovering these funds that I worked so hard for is truly terrifying. I am currently the sole provider of my household as a result of my fianc being laid off and having a hard time finding work. We have a wedding coming up in 52 days, and are trying to remain positive, but the rejection from Chase is causing us both serious mental distress. 

The following is a list of all Chase claim numbers with their total amounts and how they were used : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
The company stated that the disputed inquiry will remain on my credit report for 2 years, and to contact the company that made the inquiry, which I did, Transunion. 
Transunion declined to remove the inquiry, which was not even in my name, from my credit report. 
So now, I have an inquiry on my credit report that will be there for two years that is not in my name that I have no knowledge of, which is not acceptable. Especially since I am a Victim of Identity Theft. 

Original compaint : YOUR COMPLAINT On XX/XX/2022 I viewed my Transunion credit report online and saw an inquiry that I have no knowledge of and that I did not authorize. The inquiry was from XXXXTRANSUNION XXXX for XXXX XXXX which is not my name.

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 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 has furnished a charge off account to my consumer report to the consumer reporting agencies in which in turn have directly affected my financial reputation. This company has failed to abide by the Gramm-Leach Bliley Act of 1999 ( GLBA ). I DO NOT AND DID NOT CONSENT to the furnishing of this information. I am aware that I have the right to privacy of my non public personal information in accordance with 15 USC 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by XXXX  XXXX to neither XXXX  ( Transunion, XXXX, XXXX ). 

XXXX  XXXX did not disclose to me my right to opt out of disclosure of my non public information. I was not given the opportunity to opt out out of the disclosure of my non public personal information and I was not given any directions on how to exercise my right to opt out of said disclosure in accordance with 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. XXXX XXXX is in violation of 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. 

I ask of this company This notice is a CEASE AND DESIST of all illegal activities, including reporting which constitutes collection activities. Im this complaint I am exercising my right to prevent the processing of my personal data by XXXX XXXX for the account opened 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 2019-11-22
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
On XX/XX/XXXX I went on to American Expresses website to make my monthly payment in the amount of {$60.00}. I made the payment in thexact same way that I have always made it ( through my bank at XXXX XXXX XXXX ). As of yet ( XX/XX/XXXX ) the payment has not been credited to my account. I called AMX on XX/XX/XXXX asking about the payment. I was told that I had never made one. Yet, my bank statement on line with XXXX XXXX XXXX showed the payment being made. I called XXXX XXXX XXXX and they gave me a phone number to XXXX XXXX who is the bank for AMX. XXXX XXXX showed that the payment had been made but, it had been forwarded to a third party bank ( XXXX ) that was also connected to AMX and they gave me an ID # to give to them. I called XXXX and spoke to XXXX who I gave the payment number given to my by my bank And XXXX XXXX. She told me that my payment was there and that it would post to my account on XX/XX/XXXX. On XX/XX/XXXX, no payment showed and I again called XXXX and spoke to XXXX. She told me that it would show when it showed and got nasty. I hung up, called AMX. They took my info down but, could not promise me as to when it would be credited to my account. The payment IDXXXX and Code IDXXXX. XXXX XXXX PhoneXXXX & XXXX Phone XXXX. *I have spoken on a daily basis with AMX about this and nothing is done. BOTH XXXX XXXX AND XXXX are their banks. I made a payment of {$5.00} on XX/XX/XXXX and XX/XX/XXXX and they both posted on the day payment was made. I can provide docs from bank IF needed but dont have at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: DISCOVER BANK
State: CA
Product: Credit 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/2023, I purchased a garage door opener from XXXX XXXX for the amount of {$210.00} ( tax included ) using my Discover credit card. The XXXX XXXX also charged an installation fee of {$140.00}. The garage door opener was defective and returned to XXXX XXXX on XX/XX/2023. They promptly refunded my credit card in the store. And I have a receipt to prove it! However, the Discover Credit Card company not only charging me the {$210.00} for the product, but also charging me for {$140.00} installation fee! According to Discover I owe them {$340.00}! I have called and wrote to the Discover repeatedly, explaining that the garage door opener was returned to the merchant. And, that the garage door opener was never installed. And there should be no charges for the installation, since the product was returned in the first place. Apparently, none of my reasoning is working on the Discover Credit card company. They are adamantly charging me for a product that was returned and refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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. 

XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CFPB, XX/XX/2023 To whom it may concern, On XX/XX/XXXX, I went on the XXXX XXXX website and noticed that my XXXX credit score had dropped XXXX points. Also, I've noticed that my Equifax scored dropped XXXX points. Therefore, I've contacted both XXXX and Equifax to no avail. They both told me that they were unable to disclose any information about my accounts with them. Both companies representative just gave me bureaucratic jargon. The only thing that was straightforward was the information posted on XXXX XXXX website which I have enclosed. 
XXXX website stated XXXX change : XXXX XXXX XXXX account balance decreased between XX/XX/2023 and XX/XX/2023 credit card balance decreased by {$170.00} from {$240.00} to {$70.00}. Note : Credit card limit is {$1300.00}. XXXX stated nice work you using less than XXXX presents. All payments made on time. 

Equifax XXXX changes were Balance increased, balance decreased, payments made on time and account information changed.

Balance increased : XXXX XXXX balance increased between XX/XX/2023 and XX/XX/XXXX by {$7.00} from {$9.00} to {$16.00}. Equifax stated great job you still using less than XXXX percent. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance decreased by {$170.00} from {$240.00} to {$70.00} Payments made on time Account information changed : I've spoken to representative in regards to this matter. Note : XXXX XXXX is the credit card issued by the XXXX XXXX XXXX ( XXXX ). Still, nevertheless, my scores should not drop XXXX XXXX points and XXXX Equifax points by bringing my utilization down from XXXX percent to under XXXX percent and making on time payments. I have {$2700.00} credit line with very low utilization ( less than XXXX percent ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: Block, Inc.
State: DC
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:
At this time, CashApp is refusing to reactivate my debit card issued with the number XXXX. CashApp attaches their issued cards to one 's phone number, and allows one to create their own id hash tag, but their methods of portability is flawed when one obtains a new phone with a new number and wishes to keep their hash tag. My hash tag is $ XXXX, and CashApp refuses to transfer it to my new number. They respond to emails with worthless solutions that only lead you back to the same email, with the same answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I contacted MOHELA on XX/XX/XXXX asking to have the payments I've made since XX/XX/XXXX refunded. I didn't receive a response. I called a few days later to follow up and was told that they will put in a request to reopen the loans and refund me all of the payments I've made since XX/XX/XXXX. They didn't give me a confirmation email but did mention it can take up to 30 days to process. I followed up again on XX/XX/XXXX by phone and spoke with XXXX, who let me know that my request was put through on XX/XX/XXXX. I still have not received the refund and there are no changes to my online MOHELA account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: AMERICAN EXPRESS COMPANY
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Last XXXX ( 2022 ) I traveled to XXXX, and prior to traveling applied for and received an American Express Delta Skymiles card. The offer came with and offer of XXXX miles after purchases over a period of time. I actually canceled the card 29 days after opening the account and never received the bonus miles. 

In the next several months, I continued to receive mail from AMEX offering the XXXX miles deal. In late XX/XX/2022 I decided to re-apply, and after spending the required amount within the time period, I did not see the XXXX miles added to my Delta account. 

When I called AMEX about this, they stated that the XXXX bonus miles are a once in a lifetime offer. 

It seemed very disingenuous of AMEX to continue to send me offers for the card when, in fact, I did not qualify for the offer. 

Reading through the very fine print of the offer online ( now reduced to XXXX miles ), clearly this information is buried and not immediately visible. There is a very small font " Offer and Benefit Terms '' shown just above the 'Apply Now ' button. Here is the language in that link : " You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application. '' The part that is concerning to me is the fact that the final line, " If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application. '' was not done, as I received no notification of this fact prior to receiving account approval.

The company was at fault for not notifying me that I was not eligible for the offer, so I applied in good faith. After numerous phone calls and letters, AMEX refuses to honor my request to reinstate the XXXX miles I earned, and would not acknowledge the fact that they failed to contact me about not being eligible for their special offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: BANK OF THE WEST
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was charged unauthorized transaction and money was taken from my account and my account was closed due to this and a check that I never received money on XXXX XX/XX/2021 {$180.00}, XX/XX/2021 {$220.00}, XX/XX/2021 $ XXXX $ XXXX {$230.00}, XX/XX/2021 {$270.00}, XX/XX/2021 {$270.00}, XX/XX/2021 {$300.00}, XX/XX/2021 {$440.00}, XX/XX/2021 {$480.00}. 
And check that was cashed but I never saw any of that money and also I told the bank I was scammed with that check I also went to file a complaint at police department for it that was XX/XX/2021 and the check was deposited on XX/XX/2021 of {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My Identity has been compromised and used to open several fraudulent accounts without my knowledge or consent. I was incarcerated when these accounts were open. These accounts have been placed on all three major credit reports.

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 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 filed a dispute with XXXX XXXX and TransUnion regarding incorrect information on my credit report. I have not received a response regarding incorrect information on my credit report being removed. I has been well over 40 days.

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 2021-12-23
Company: WESTERN UNION COMPANY, THE
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Dear Sir/Mdm : This is to complain about Western Union ( Western Union XXXX XXXX XXXX, XXXX, CO ) money transfer. I have submitted transfer number XXXX from US to XXXX. The destination addressee was not able to receive my money. I have sent a claim to Western Union, however Western Union has never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Ive reached out for a refund twice, because I havent received any email stating that it was being processed or requested. Its been a month and have been given no timeline, especially with student forgiveness my full balance to be paid wont be shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, 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:
The accounts reported by XXXX XXXX XXXX XXXX ( a credit card in the amount of {$7500.00} and a personal loan over {$10000.00} ) were formally requested under FCRA guidelines on XX/XX/2023 to be validated. The debtor refused. The personal loan was a motorcycle loan- the debtor requested the payoff letter from them showing verbatim paid in full be provided, it was. Still they refuse to remove these fraudulently reported accounts. As I have followed federal laws and regulations outlined the the FCRA and the debtor has far surpassed their legally allotted 30 days to provide validation these accounts can not legally stay on my credit report. Please remove them promptly. All attempts to get the debtor to cooperate have had no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-12-23
Company: EQUIFAX, 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation