BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-12
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: Card was charged for something you did not purchase with the card

Complaint:
I have promptly reported a slew of unauthorized charges to Wells Fargos in early XXXX.These charges dated from early XXXX to Mid XXXX. I have also not used this particular card in months. 

Fast forward in XXXX I made a follow-up call to Wells Fargos Credit Card Claims Department and it turns out they have denied my fraud claim because I have filed " too many '' disputes. This is absolutely ridiculous and I have since made an appeal along with filing a police report. Wells Fargos did make any effort to protect me as the consumer in this case. Below are the charges in question. 
Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX # XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Dispute forwarded to the Fraud Team Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX XXXX XXXX  Amount of Transaction : XXXX Card Number : XXXX Status : Dispute forwarded to the Fraud Team Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX  Amount of Transaction : XXXX Card Number : XXXX Status : Dispute forwarded to the Fraud Team Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Dispute forwarded to the Fraud Team Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Dispute forwarded to the Fraud Team Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX XXXX Amount of Transaction : XXXX Card Number XXXX XXXX Status : Dispute forwarded to the Fraud Team Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Dispute forwarded to the Fraud Team

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 2020-02-12
Company: Santander Consumer USA Holdings Inc.
State: CA
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:
After noticing a derogatory item on my Credit Report on all Credit Reporting Agencies by Santander Consumer USA, I contacted them via USPS certified mail and requested all documentation including details on their claims and application bearing my signature.

They have neither responded to my request or notified any of the Credit Reporting Agencies of my request and dispute as per FCRA requirement. 
I then disputed this item with XXXX and they were just notified as information accurate and no other information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
During the past few months, I have called Discover Corporate Office and requested return calls. Unfortunately, to this very day, no one has returned my calls. Today, Monday, XX/XX/2018, I spoke with several account managers or Dispute Billing Representatives and requested to speak with a supervisor or Corporate and I was advised that all lines were busy. The first person I spoke with on today, was unprofessional and I was requesting that the call be pulled for today, XX/XX/2018, about XXXX XXXX DEST. Representatives so not like being identified as they do not want to give the first initial of their last name and they do not have reference numbers for the calls or the representatives.

It appears that representatives have been unprofessional and Corporate does not wish to address this with me. Also, I have a dispute which the initial recording states, " your dispute is complete '' however when I speak with a representative that recording is not true as Discover is still waiting for a response from the merchant. This recording appears to be very contrary to the truth. The dispute is not complete and the recording should indicate that. I had wanted to know the status and why the recording stated the " dispute was complete and I would receive a response within 10 days '' when the representatives

states that they are actually waiting for a response from the merchant. Lastly, I have repeated left my name and number and yet no one from Discover Corporate Office has bothered to adhere to the account managers ' notation. This appears to be a poorly ran company or either staff chooses who they wish to call back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

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 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 non-monetary relief
Consumer complaint received 2023-06-06
Company: U.S. BANCORP
State: CA
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:
I am writing to express my deep dissatisfaction with the service and lack of information provided by US Bank and travel insurance department regarding my recent claim for flight ticket reimbursement. I believe that the handling of my case was highly unprofessional and did not meet the expected standards of customer service. 

On XX/XX/2023, I made a payment of {$690.00} for flight tickets scheduled for an XX/XX/XXXX trip to XXXX XXXX. Unfortunately, on XX/XX/XXXX, my child fell ill and developed a fever. Realizing that we would be unable to travel, I promptly contacted US Bank customer service on the same day to inquire about travel insurance coverage. Regrettably, I was transferred multiple times, and none of the representatives I spoke to were able to provide clear information regarding the policy or the necessary steps for filing a claim. After enduring this frustrating experience for two hours, I reluctantly gave up. 

As my child 's condition did not improve by XX/XX/XXXX, we were unable to make the trip, resulting in the cancellation of our tickets. Determined to pursue my claim, I made another attempt to contact your travel insurance department and was eventually transferred to a phone number associated with Visa. However, all I reached was a message box, where I left a detailed message explaining my situation. 

On XX/XX/2023, I missed a call from the visa insurance company. Upon returning the call, I encountered the same message box and received no call back despite leaving my contact information. Frustrated by the lack of response, I took it upon myself to follow up on my case after a week had passed. It was only then that I managed to find a link online to file my claim. However, my claim was subsequently denied due to the absence of a doctor 's statement. 

While I understand that my claim was denied in accordance with the policy, I fail to comprehend why US Bank and the travel insurance department failed to provide clear information regarding the policy for over ten days. It is disheartening to see that your institution denied a customer 's claim based on a seemingly undisclosed policy. As a loyal customer, I expected transparency and prompt assistance in understanding the terms and conditions of the insurance coverage. 

I kindly request a thorough investigation into this matter and a reconsideration of my claim based on the circumstances outlined above. Additionally, I urge us bank to review your customer service protocols and ensure that the representatives possess the necessary knowledge and resources to handle inquiries related to travel insurance. It is imperative that customers feel supported and informed when seeking assistance in situations like mine.

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 2020-02-13
Company: FORD MOTOR CREDIT CO.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made my monthly payment on XX/XX/2020 with Ford Motor Credit and my due date is not until the XXXX of each month. I am being told my payment will not be process until the XXXX and I will receive a 30 day late ( NEGATIVE ) report on my credit file!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: TX
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:
I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

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 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: WELLS FARGO & COMPANY
State: NY
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:
My account with XXXX Mastercard was frozen due to a security concern. I made the following attempts to call the company to work to get the account fixed : XX/XX/23 XXXXXXXX XXXX EDT - I called and reached a customer service rep. They connected me to security, where I waited on hold for 30 minutes with no answer. 

XXXX XXXX XXXX EDT - I called and reached a customer service rep. They connected me to security, where I waited on hold for 30 minutes with no answer. 

XX/XX/23 XXXXXXXX XXXX EDT - I called and reached a customer service rep. After 35 minutes, they were able to get a security rep on the call. The security rep got some information from me ( I confirmed the activity they thought was suspicious ) and then she put me on hold. She then hung up. The security rep 's name was XXXX 

I am unable to use my card, and I am unable to pay my statement balance on this card. I have automatic monthly transactions that were declined. I also need to pay my balance so that I don't have interest or late payment reported. 

I have overall spent nearly 3 hours of my own time trying to contact somebody to fix this issue, and in the end I was hung up on.

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 2022-12-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am disgusted with Chase Bank. My wife and I received an insurance check for {$5000.00}. She signed it over to me exactly as Chase requires. Several days after depositing, Chase closes out my account and after several calls I am told Chase will send the balance of my account to me in the form of a check, {$4500.00} remained in the account. 2 months later I still have not received my check and upon calling I am told my wife must come in to confirm she signed over the check. My wife went to XXXX separate Chase branches and both were no help. I am disgusted with Chase and will NEVER do any kind of business with them. At this point I feel that have stolen our money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: EQUIFAX, 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:
The Credit Bureau never sent me the full procedures that were took to investigate the inaccurate accounts being reported on my credit profile such as the original contract, my wet ink signature agreeing to terms on contracts with credit and ectEquifax violated my right under the FCRA Equifax never sent me the full investigation that they took to validate that accounts I demand that Equifax Removed the 2 inaccurate accounts off of my credit report immediately the two accounts below are being reported inaccurate and doesnt belong to me and is being reported inaccurately on my credit report please remove immediately. Thanks Inaccurate Accounts : XXXXXXXX XXXX XXXXXXXX Account number XXXX, has violated my rights. 





15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: AL
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:
I have a collection balance of XXXX on my report that I have no authorization of I have disputed it multiple times but nothing happened I acquire my credit report and asked the credit bureaus to check and make sure everything was complete and accurate to XXXX XXXX XXXX ( XXXX ) I waited 30 days and received my investigation and notice everything was still the same. the consumer reporting agencies which is, Experian, and did not modify or remove anything The date open is not correct, date last active not correct on credit report which is XXXX is impacting me from moving forward buying a house for my family starting my business etc. I attached my previous report to show how Experian violated my rights.

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 2019-02-18
Company: Experian Information Solutions Inc.
State: MI
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 reason for my dispute due FRAUDULENT ACCOUNTS furnished to my account that here are some of the account I never had any business or contracts for business with the following companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX BANK # XXXX XXXX XXXX  XXXX under I expect this collection account to be removed from my credit report. i HAVE FILE A COMPLAINT WITH CFPB AND THE LOCAL AUTHORITIES. I HAVE BEEN WAITING TO HEAR BACK FROM THE 3 CREDIT BUREAUS, I FILE EVERYTHING I WAS TOLD TO DO SO FAR WITH NO RESPONSE!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 - I submitted a payment using my Chase app to make a payment on my XXXX Chase credit card in the amount of {$2000.00}. I usually don't use my Chase App to pay I usually use my XXXX XXXX XXXX to pay all my bills. When I submitted my payment to my card it was automatically placed on hold by Chase and my card was suspended. In talking with over 6 reps from Chase on XX/XX/2022 no one could tell me why my account was on hold accept that I was on hold for financial review that could take up to 10 days and that my card would not be available to use until then. I asked for a manager and got a call back within 24 hours - the manager apologized and said that the account was on hold because the payment came from an unknown bank. Which is when I realized that I made a mistake and paid thru the wrong app. I told the manager that but she said the payment went thru and everything was fine. I used my credit card again and everything was good then it declined again. Come to find out that payment didn't go thru and with no word from Chase they closed my account because of one mistake with a payment which I have been trying to resolve. I have had this account for years and have an excellent track record with payments, paying off the card and not going over the limit. This is completely unfair and the only reason why I use this card is because of our recent trip plans to XXXX. I even increased the XXXX premier level to earn more in rewards and XXXX dollars as this is a surprise trip for my moms birthday. So I have been using this card as my primary card to build points for XXXX. Also I am in the middle of buying a home so to close my account as closed will ruin my credit history as which is totally unfair as again I have had no prior history of credit issues with Chase - heck they even raised my credit limit last year or the year before. A company wouldn't do that if they were concerned with the consumer and especially with a consumer whom doesn't pay. I want my card reopened with Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase closed all of my bank accounts without any notice. I only learned of the situation when I received a notification that an automatic payment did not go through. I called Customer Service and they asked why I was calling - I stated that I needed them to tell me why I was calling given the issue with the payment. After a very long hold, the person informed me that my account was restricted and she had to transfer me. Again, explained the situation and was placed on hold and then informed that they had cancelled all of my accounts. When I asked why, she said she was not sure. When I asked how to get the {$50000.00} out of my accounts, since I tried unsuccessfully to access them prior to the call, she put me on hold again. She then said that the bank would send me the money. I asked when and she did not know. I asked if it could be overnighted - she did not know. She put me on hold again and then said I could go to a branch and get the money but they will need to call in to get a special code to release the funds. Asked again for clarification - you closed my accounts but I cant just go to the bank to get my money? She said yes. My husband went to a branch, asked to withdraw the funds, and was told they couldnt release the money and would need to call to get approval and that it could take hours. The banker said they would call when it was completed. That was on XX/XX/XXXX and it is now XX/XX/XXXX. I am not able to access or transfer any of my funds.

Company response to consumer: Closed with explanation