BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-06
Company: AMERICAN EXPRESS COMPANY
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: Card was charged for something you did not purchase with the card

Complaint:
American Express has continuously posted fraudulent charges on my credit card account, which I have disputed month after month. Currently, there are 3 fraudulent charges posted to my American Express credit card account. 

The first charge is a repeated fraudulent charge of {$99.00} from an American Express sponsored subscription ( XXXX XXXX XXXX ) posted to my account on XX/XX/2020. In XX/XX/2020, American Express initially refused to remove a {$99.00} charge from my credit card account, which was posted for the American Express sponsored subscription ( XXXX XXXX XXXX ). However, American Express removed the {$99.00} sponsored subscription charge after I filed a complaint with the BXXXX XXXX XXXX. On the other hand, American Express has refused to remove the current and repeated American Express sponsored subscription ( XXXX XXXX XXXX ) fraudulent charge of {$99.00} from my account on XX/XX/2020 per a telephone call with XXXX at American Express . 

The second charge is a repeated fraudulent charge of {$130.00} from XXXX XXXX posted to my account on XX/XX/2020 and XX/XX/2020. 

The third charge fraudulent charge is an internal American Express charge of {$28.00} ( probably late charges for non-payment ) posted to my account on XX/XX/2020, which is the payment due date for the American Express fraudulent charges. Further, I have not paid American Express for any of the fraudulent charges. 

Further, on XX/XX/2020, I mailed certified letters to American Express XXXX XXXX, TX and XXXX XXXX XXXX, Utah offices regarding the removal of the fraudulent charges from my credit card account, but have not received the return receipts or any other response from American Express as of XX/XX/2020. Lastly, I believe American Express is targeting senior citizens, like myself, in attempt to collect fraudulent charges to increase the company 's revenue. 
.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-05
Company: Navient Solutions, LLC.
State: CA
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:
I received a message that a payment made last month was not enough to cover what was due. I pay in excess of what is due each month. If I did not pay enough as they claim are they contacting me about this one month later? I also notice that my account statement shows payments sent but not applied to my account yet .... also saying they are past due. Once again Navient is not applying payments correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have two account that are not mine on my Experian ( XXXX XXXX XXXX and XXXX incorrect address ( 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 explanation
Consumer complaint received 2020-04-06
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello. I am so frustrated. I have been a member of Chase bank ( or its prior owners ) for almost 40 years. Every month I deposit checks of {$4000.00} - {$6000.00} to cover my bills and auto payments. On XX/XX/XXXX I deposited a {$5000.00} check and received written confirmation that the funds would be totally available on XXXX. My mortgage payment drafted on XXXX and Chase sent me notification that they decided to place a 10 day hold on this check. They bounced my mortgage check. I tried to call and waited 3 hours on Friday XXXX and finally hung up. I tried again later that day and hung up after 2 hours. I tried to find a place online, but they said they wouldn't return email messages for at least 7 days. Today ( XXXX ) I woke up and called and after 45 minutes got a real person. She was sympathetic but told me it wasn't her department and transferred me to the check hold number. She also gave me the direct number ( thankfully ) After 50 minutes I was bounced off the call. I am currently 55 minutes in to my next hold ( they said 15 minutes ). The money was drafted from my checking account on XXXX and now I have no access to these funds and nobody to talk to. My mortgage has been bounced and any other drafts cant be stopped at this point, so will likely also be bounced. I cant believe they can send me notice that the funds will be available on XXXX, and then change their minds? 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I've used quick pay with XXXX for sending money to and from my two bank accounts with different bans. I have a checking account with XXXX XXXX XXXX which I pay all my bills with and I have a checking account with chase that I deposit my checks into. ive been using XXXX to transfer money for well over a year and never experienced the problem. 
on XX/XX/2020 I tried sending {$700.00} usd from my chase account to my XXXX XXXX XXXX account, but accidentally sent it from my chase account to my chase account. I received an email right away from chase on XX/XX/2020 stating that I received a XXXX   payment of {$700.00} usd, but the money was taken out of my account and it is still not in my account. today is XX/XX/2020. I've been on the phone with chase three times for a total of about 6.5 hours and the problem I still not solved. they told me that the problem didn't occur on their end which doesn't make any sense because I received the email saying that it went into my account but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX & XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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: Information belongs to someone else

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify this account in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report this account as unconfirmed information without validating them within the legally required time range. The false information on my credit report has to be investigated, amended, or completely removed : ( Original Creditor : ) XXXX Balance : {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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:
In accordance with the Fair Credit Reporting Act AD XXXX XXXX XXXX  XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX & XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: Alpine Credit, Inc
State: NM
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:
On XXXX I was seen at the Emergency Room in Colorado. I am a XXXX and I am covered with the Veterans Administration. XXXX XXXX XXXX XXXX ( XXXX ) XXXX sent me a Non payment XXXX of XXXX with Interested Balance showing the amount of XXXX that was sent to Collections on XX/XX/2021. 
I immediately contacted them and advised them of the VA paying for this bill. I also contacted the VA Medical Billing XXXX and they advised me that they would contact XXXX XXXX XXXX. I received an updated billing statement on XXXX with a XXXX Balance. Indicating CODE 9906 " UNTIMELY FILING " The Bill was mis-handled and now it was PAID in FULL. 
This resulted in my Credit Score going from XXXX to XXXX, it is effecting my Credit drastically. 
I was given this number re : XXXX to help identify this Bill

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: IN
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 did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: GA
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:
I voluntarily surrendered my vehicle to XXXX XXXX in XX/XX/2023 and after the vehicle was sold, I had a remaining balance of {$22000.00}. On XX/XX/2023, XXXX XXXX accepted a settlement offer of {$10000.00} to be paid by XX/XX/2023. I paid the {$10000.00} on XX/XX/2023 and disputed the account twice with XXXX, Experian & XXXX to update the account status, balance & comments and both times, it came back that XXXX has verified that I still owe a balance as of XX/XX/2023 and will not update that the account has been paid with a XXXX balance. It is now XX/XX/2023. I have contacted XXXXr three times as I have not received a letter to state that the account has been settled and I have a XXXX balance. Each time I contact XXXX to request this, they inform me that it will take 48 - 72 hours to receive this via email and weeks have gone by and I still have not received anything from 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 explanation
Consumer complaint received 2022-05-05
Company: TICE ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have contacted TICE and associates several times requesting proof of this claim, including dates and services received to make sure this is even my debt. In addition, I had insurance at the time if this is my debt with XXXX and this should have covered if my debt. I have talked to a gentleman claiming to be owner at TICE, and explained this and they refused to submit to insurance. Since, I have disputed this debt several times since they have failed to provide a detailed summary of charges - dates - dr etc. I believe my rights under the FCRA are being violated. Plus I never received a validation notice on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
WAKEFIELD ( Original Creditor : XXXX XXXX XXXX XXXX  ), balance is {$1000.00}, and account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: Bread Financial Holdings, Inc.
State: PA
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:
On XX/XX/XXXX, I sent Comenity Bank a letter because I have an open credit card with them through XXXX XXXX. On XX/XX/XXXX, the company informed me they would place me on to a forgiveness program due to Covid 19 and because I had lost my job. They then informed me I did not have to make a payment until XX/XX/XXXX. Now due to covid-19 forbearance program regulations, it states that no late payments are to be reported to the financial credit bureaus during the time of Covid 's forbearance period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-02
Company: Prosper Marketplace, Inc.
State: AZ
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:
A fraudulent charge of {$5.00} on XX/XX/23 was made and again on XXXX for {$79.00} reported both fraudulent charges on or about XXXX when charges were noticed. As of XXXX Prosper still has not resolved the issue and continues to charge daily interest on the total amount and recently added XXXX cents of credited interest, this type of practice should be looked into! I closed account as of XXXX due to Prosper in action talked with XXXX different agents on different days each one stated, " I have reported the fraudulent charges so the fraud team can look into it! ". Not one agent has ever stated the case is still open and provided a date is resolution, every agent relayed that it was being reported of new. They make you verify your account with more security than removing a fraud claim! They also closed my account and closed access in app faster! This company definitely needs to be looked into!

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 2023-06-05
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from 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 2018-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In 2015 I lived in XXXX, Ga XXXX I was renting from XXXX XXXX XXXX. I explained to the office that I was being harassed by my ex and I wanted to break my lease to relocate. At the time I owed rent and they started a dispose s process I went to court and we decided with an arbitrator that they will take my security despoit if XXXX as the debt paid. At the same time the company was acquired by XXXX XXXX  which now I get not get any information from XXXX XXXX because that company it s dissolved I am now paying for this on my rental history and can not move forward in life because the company has closed. And XXXX XXXX has no accurate information. I have a XXXX year old with limited funds to hire an attorney for this I do not know where else to turn.

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 2023-06-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio recovery has two of my accounts in collection. Ive told them repeatedly that I am on workers compensation and dont have the money to make payments. But they call 4-5 times a day. And even after XXXX XXXX! Ive gotten to the point where I dont want to answer anymore. When I told them in XXXX of XXXX  that I was in able to pay the told me to borrow the money from a family member or to sell my car!! Not to mention the two debts are more than XXXX years old! But they dropped off the credit report 2 years ago and then all of a sudden they popped back up again as renewed with a newer start date. So it will never drop off

Company response to consumer: Closed with non-monetary relief