BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-07
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I made a debit card transaction at XXXX 'XXXX  with my chase business debit card. I realized that it would cause my account to be overrated so I went to my wifes bank and withdrew {$100.00} cash. I then went to my local chase atm to deposit it. The cut off time in my city, XXXX XXXX, is XXXX and it was close to 8. I made the deposit and the atm sit back one of the {$20.00} Bill 's. Then after I reinserted it, chose my receipt option the atm saidfinalizing deposit for at least 30 seconds, then spit out my receipt which showed a positive balance of {$19.00}. Today, XX/XX/XXXX at XXXX I checked my account on the app. I saw 3 overdraft charges of {$34.00} each, and my cash deposit showing as pending. Looking closer the albertsons charge was charged an overdraft fee as well as a auto payment transaction of {$7.00} ( which they charged an overdraft fee on and another auto payment of {$23.00} ( which also incurred an overdraft fee ) so.i.called the business account service number and spoke to a representative who said my deposit was at XXXX and that deposits have to be before XXXX. I tried to argue that there was a delay in the atm finalizing and that they have always said previously 'by 8 ' which in my opinion XXXX is 'by 8 ' Unfortunately the rep talked over me and seemed to have a language barrier in u uderstanding whati was saying. I asked for her to waive the fees and she refused. I asked why the 2 charges that were posted after XXXX were not subject to the XXXX cutoff and was told the merchant finalized so the funds were removed ... which really dudnt answer my question. After that call I called and asked for a supervisor. He was of little help. He stood by the 'before 8 ' cut off, didnt care that the atm had paused significantl, said that my cash deposit, that was still showing as pending over 24 hours after it was made, was made after the cutoff so it was a Saturday transaction and Saturday is a non business day.. yet usingthat logic the 2 transaction that were not posted to my account at XXXX when my deposit was made had posted an funded eventhough they should be considered Saturday transactions also in my opinion. He kept saying they were transactions from XX/XX/XXXX ... but the fact remains they were not posted until mb after the cutoff and that the first fee caused both of those transactions to incur overdraft fees ... so my argument is that it is bit right to use the cutoff to charge me a fee then that fee causes 2 transactions that weren't posted by the cutoff to both incur fees. The supervisor was rude and did finally credit {$68.00} of the {$100.00} back to my account ... but I really feel that the full amount should have been credited. My receipt for the deposit shows a positive balance and they say that deposit was made after the cutoff so.it makes no sense to me how his all transpired.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: OH
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:
Dear Sir/Madam, I am writing to express my utmost disappointment and anger regarding the illegal practices of the credit bureaus. As per 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 # Acct # XXXX -tracking # XXXX XXXX XXXX XXXX  # XXXX tracking # XXXX XXXX XXXX XXXX -ACCT # XXXX tracking # XXXX XXXX XXXX XXXX  ACCT # XXXX tracking # XXXX XXXX XXXX -ACCT # XXXX XXXX XXXX -ACCT # XXXX tracking # XXXX XXXX XXXX XXXX - ACCT XXXX XXXX XXXX # XXXX have all infringed upon my rights. 

I want to highlight the following sections of the 15 U.S.C 1681 Act that the credit bureaus have violated : Section 602 A states that I have the right to privacy.

Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

Section 1681c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes that antedate the report by more than seven years.

Section 1681s-2 ( A ) ( 1 ) states that 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.

I have attached proof of the letters I have sent out to the bureaus for your records.

I would like to request that you take immediate action to rectify this situation and ensure that my rights as a consumer are protected. I trust that you will take the necessary steps to address this matter in a timely and efficient manner.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got an alert that my credit report that my credit score went down. I pulled my credit report and found that there was a debt collection on there for utilities that I did not open. I disputed the debt via XXXX and they supposedly researched it via the debt collector and supposedly found the debt to be accurate. I called the actual utility company and they looked up the information and found the address of the utility account in question, researched it, and determined that the account was opened fraudulently in my name. 

Credit Report : XXXX Debt Collector : Transworld Systems XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) Utility Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} Account # : XXXX Account Opened : XX/XX/2021 Account Closed : XX/XX/2021 Address of the Utility Account : XXXX XXXX # XXXX, XXXX XXXX XXXX Tx XXXX Phone Number listed on the Account : XXXX Email Account listed on the Account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have two credit cards with American Express, one is a small business card for a sole proprietorship, the other is for a consumer card. 

I have not used one of the cards in ~2 years. The other has been used 1-3 times for ~ {$300.00} over the last two years. 

Since I last used the consumer card I have been charged two annual fees of ~ {$100.00} each or {$200.00} total. I have made zero transactions over this time period. 

On the small business card, I have made ~ {$300.00} in transactions and been charged {$200.00} in annual fees over that same time period. I have not used that card since the most recent annual fee. 

Approximately, a year ago I attempted to close these accounts after being charged an annual fee. I was told about some steps I needed to take first and was steered away from closing the account. 

Today after recently being charged my 4th annual fee since I stopped using these cards I called customer service to have my card closed. I spent 20 minutes on hold/with an agent only to be told about those {$300.00} in transactions which I needed to verify. ( They appeared to be fraud but turned out to be transactions made by my wife ) I called again this morning and was repeatedly transferred for 20 minutes before being disconnected. 

I called a third time this morning and was rerouted multiple times. I told the IVR I needed to close my account, the IVR verified this and then transferred me to member service. When I told them there I needed to close my account they told me I needed to speak to their cancellation department. Why in the world would the IVR verify I wanted to cancel my card and then connect me to a different department. I spent about 18 minutes on this call before I had a meeting I needed to get to. 

To summarize, 3 calls today, 60 minutes on the phone, and a 4th call about a year ago and so far I have been completely unsuccessful in closing either account. As an outsider it appears that Amex 's business strategy is to charge annual fees and make it impossible to close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account they are reporting to my credit report is in accurate. The account in question is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account. I never lived in the state of New York and thats where they said the account was opened at. Also the name of the account was a different spelling than my legal actual name. I need these accounts removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Comenity bank and Sony both have XXXX  broken the terms of our credit card agreement and have failed to give the advertised points for purchases made. They also advertise features that have never worked and fail to address the issues I have filed multiple complaints about. I hold physical emails from a comenity employee who confirm that the rewards system does not work properly and that I have not been given the points as advertised, which constitutes broken terms of our credit agreement and makes the debt forfeit by law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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:
Two cases of fraud unresolved. 
1 ) " XXXX '' charges my card every football season for a service I did not sign up for. For 3 years I believe. Maybe 4 years. My credit card company has removed the charge in the past. I asked to have them blocked in XXXX but the charge came back anyway this year. This year they have denied the fraud case. 

XXXX ) A charge for {$200.00} appeared on this month 's bill. Notation said " XXXX. '' I have service with XXXX but I pay by check and have NEVER GIVEN XXXX my card number. I phoned XXXX ; they have no record of this charge. My credit card company has given it Case number : XXXX. 

The credit card company has not given me credit for either of these fraud claims, and don't seem to have a record of the claims being processed.

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 monetary relief
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were 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. The items listed below were not mine : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$640.00} ; XXXX  ( Original Creditor : XXXX XXXX  FL XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$4500.00} ; XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX FL XXXX XXXX ) XXXX Balance : {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: VA
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Very simple : I applied for the AMEX Gold card and was somehow approved for AMEX Platinum. I brought up as much with customer care, who seem XXXX on either having me keep a card I didn't want or having me cancel and reapply for Gold which of course would have my credit hard pulled again. 

They insist that they can do nothing more, which I am certain isn't true, and refuse to do anything more about it besides a 6-8 week investigation. During which, I am stuck with a card I never asked for and a credit ding with no new card. 

They have made no meaningful effort to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX has posted a collection account onto my credit profile. I have no recollection of this bill. I am XXXX and on social security. I was denied an approval for a XXXX XXXX credit card because of this collection. I contacted the credit bureaus and disputed the account ; Experian, XXXX, and XXXX. Experian refuses to honor my numerous disputes with the aforementioned account. I am deeply disturbed and depressed by XXXX  XXXX 's and Experian 's action. Please see the item below : Account Info XXXX. XXXX, XXXX Account number- XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$860.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Report Act laws.

According to 15 USC 1681 ( b ) 1 the credit bureaus did not get my written permission to furnish anything on my credit report According to the law 15 USC 1681! I have the right to privacy According to the FRCA laws 15 USC 1681s-2 states that A person may not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors, A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person of such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on Its clear that the credit bureaus have no respect for the laws neither for the CFPB. 

The account XXXX XXXX  XXXX has been recently removed and furnished back to my consumer report as VERIFIED and UPDATED after reinvestigation. The below documents reflect on an improper reinvestigation as the account still reports inaccurately. PLEASE REMOVE ACCOUNT FOR INACCURACY according to the FCRA everything must be accurate on a consumers report. 

As this matter continues to hurt my current situation from providing my family with a home and lifestyle they deserve, someone needs to hold the bureaus accountable for their unethical actions.

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 2023-09-26
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am very confused. I owe a credit card company money. I know the sold my debt but they couldnt tell me to who. I get a letter that is water logged and not readable. When I called the number of XXXX from online. Not one representative gave me an ID number. 
They kept pressuring me to make biweekly payments saying my offer ends tomorrow, XX/XX/23. Then decided to give me an extension. Something does not feel right. 
Is this a legitimate company? The number I called is ( XXXX ) XXXX the email address they sent to me is XXXX. 
Im very confused by the whole situation. Especially no one could give a NMLS ID.

Also, told me they only take ACH payments via credit or debit but only master or visa.

I just want to triple check their legitimacy. The other companys both collectors and creditors always give an ID and none have approached the situation like this. I am extremely weary and intimidated by their tactics. 
Thank you for your time and can not wait to hear your thoughts about this company and the way they handle collections. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is an issue with my XXXX credit report not reflecting my mortgage or Heloc loans. 

XX/XX/XXXX - Notified via my XXXX app that my score dropped XXXX points ; looked at my report and saw that neither my primary mortgage or my Heloc were reporting from First National Bank ( FNB  ) as usual ; sent an email to XXXX  inquiring about this issue XX/XX/XXXX - received email from FNB that mortgages are in good standing and have been reported ; told to use the credit section of my FNB app to sign up for credit reporting through XXXX XXXX XXXX XXXX', of which I did not do this since they are not one of the top XXXX credit bureaus ; filed a dispute with XXXX ( XXXX ), also filed a dispute with FNB ( XXXX ) ( No response at all from either company ). 

XX/XX/XXXX - called XXXX again and told by XXXX that FNB is not reporting ; that XXXX can not assist me ; dispute was useless XX/XX/XXXX - sent email to XXXX customer service that they are in violation of the Fair Credit Reporting Act due to their unwillingness to correct inaccurate information XX/XX/XXXX - told by FNB mortgage representative ( XXXX ) that XXXX refuses to report ; told this is affecting all FNB customers yet the FNB mortgage services department will not release anything in writing to it's customers and said their legal department is " aware of the issue '' yet no notices were sent XX/XX/XXXX - called XXXX again and was told that " what is showing is reflecting what FNB is reporting '', yet the other two reporting agencies of XXXX and XXXX are both showing my FNB loans ; XXXX refused to assist and refused to file a new dispute. 

XX/XX/XXXX evening- received a call from FNB mortgage department ( XXXX ) stating they had just received an email that XXXX 's reporting should be " turned back on '' by Thursday, XXXX XXXX. 

Both companies are in grid-lock saying it's the other one 's fault. Neither have fixed my report and both have failed to notify customers or respond to disputes for two weeks. I have documented this in writing to both companies. Someone is not telling me the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: MO
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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