BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I was charged two overdraft fees in the amounts of {$34.00} dollars totaling to an amount of {$68.00} dollars. One of the transactions was a bill that came out as an ACH and the other transaction was a transfer of {$60.00} dollars using the service XXXX. These are the two transactions that triggered the fees to my account. I received a transfer via XXXX in the amount of {$180.00} dollars to cover the bill and the transfer. Chase apparently has two different cut off times when sending or receiving money with XXXX, depending on the institution that you are sending or receiving from. The money I received was from another financial institution and it was apparently sent past the cut-off time for it to be in my account the same day. But even with that being the case, I was still able to send money using XXXX to another chase customer. I called customer service the following day to inquire about this and they said it was valid because of the cut-off times. So even though the money was showing available for immediate use, it technically was not in the eyes of Chase. When I asked the representative if I were to have made purchases after the transfer was made, and the money was showing available, would i have been charged a fee for every transaction I made? The response was that yes, I would have been charged a fee for each transaction. The reason this is very upsetting and troubling is that one could accuse Chase of baiting customers to make purchases when the funds are available from the customers perspective but not from the perspective of Chase. I advised them that it was not possible for me to be able to send money with XXXX if I did not have it in the account and that system will not allow you to send money if the funds are not there. It is impossible and NOT at the discretion of Chase, which is what I was told by all 3 of these agents.

After speaking with 3 different agents, I was able to speak with XXXX a manager at one of the call centers who submitted one of the fees as a bank error, but warned me it would be returned and re-applied to the account after another department reviewed it. He submitted the other as a courtesy to be waived even though I requested they both be waived as bank errors multiple times. 
An investigation of some sort should happen into this process and what I would go on to call a scam on behalf of Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Account - XXXX XXXX XXXX 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 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 2020-02-19
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
American Express Personal Savings doesn't provide pdf  statements and/or downloadable account activity in XXXX  or XXXX. 

They only provide downloadable activity for consumers with XXXX  or XXXX XXXX software. 

These to formats limit certain users to access their account activity and/or records. 

As an example, apple platform devices no longer have the ability to open these type of files ; unless you have an accounting software license / subscription. 

All banks offer the option to download in XXXX, XXXX and pdf statements for consumers to monitor their accounts activity and records. American Express Personal Savings should offer it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I DONT KNOW HOW MANY TIMES I HAVE TO REPORT THIS TO XXXX  XXXX XXXX XXXX TO EXPERIAN XXXX XXXX and XXXX BUT EVERYBODY WILL BE GETTING A DEMAND LETTER FROM MY ATTORNEY TO SHOW CAUSE AS TO WHY THIS IS STILL ON MY CREDIT REPORT. MY ACCOUNT XXXX  XXXX ENDING XXXX NEEDS TO BE COMPLETELY AND INDEFINITLEY REMOVED FROM MY CREDIT REPORT. IT WAS NOT OPENED XX/XX/XXXX AND EVERYBODY KNOWS IT. ATTACHED IS SCREEN SHOTS DIRECTLY FROM XXXX XXXX XXXX. MY ACCOUNT WAS OPENED IN XXXX AND CHARGED OFF IN XXXX. XXXX  PURCHASED THE DEBT XXXX OF XXXX. THAT IS NOT DATE OPENED. THIS IS TOO OLD TO BE REPORTING IT IS ILLEGAL AND I WANT TO BE COMPENSATED DUE TO MY RIGHT OF ILLEGAL REPORTING XXXX PLUS DAMAGES. SINCE IVE REPORTED THIS TO YOU NUMEROUS TIMES- PLEASE TELL ME WHY YOU DID NOT DO YOUR DUE DILLIGENCE ON MY BEHALF?

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 2023-02-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2023 at XXXX CST I tried to access my credit reports on XXXX, and both Equifax and XXXX are not allowing me to see my credit reports online. I called Equifax using the number provided and they want me to sign up for their service in order to see my credit report online. They said that they will mail it to me. XXXX only shows an address to send a request for a credit report to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Consumer Portfolio Services, Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
About XX/XX/2022 all of my credit monitoring apps went off to inform me of my credit score dropping over XXXX points because of consumer portfolio. Money payment was made and they still reported me being over 30 days late. I called the company later that day and they said sorry. Nothing that the was going to.do to fox their mistake. I just got my credit score higher. Now they ruined it. I want that later payment removed and my credit score fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Experian Information Solutions Inc.
State: OH
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 reviewed my credit report and found accounts that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. My reports also contained some errors pertaining my Personal Information. I am requesting that you promptly delete the addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from that person : XXXX XXXX, XXXX, XXXX XXXX. 

My name is : XXXX XXXX - DOB : XX/XX/1995 SS # : XXXX ALL OTHER NAME VARIATIONS ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXX, XXXX XXXX  XXXX My current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : ( XXXX ) XXXX, PLEASE REMOVE : ( 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 2020-07-24
Company: PNC Bank N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Tried to do an external transfer from my credit union checking to my PnC checking and it said PNC prohibited it. XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: MS
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 I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report.

It is your duties to accurately report information in as of now you are not doing that and its impairing efficiency of the banking system.Both together and separately my consumer and privacy rights are being violated in accordance with 15 U.S.C.1681 ( a ) ( 4 ) and pursuant U.S.P.C. ( B ) ( C ).

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 2021-10-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I purchased concert tickets through XXXX and paid via PayPal Credit. The concert was rescheduled due to covid and it is now set to be in XX/XX/XXXX. The tickets I bought were VIP meet and greet tickets. I paid close to {$900.00} for 2 tickets. The concert will no longer offer this feature and the tickets are being sold for under {$50.00} now. No VIP or meet and greet is happening. Also, the venue requires vaccine and my daughter ( she is a minor and they are her tickets, I bought them for her ) well, she can't get the vaccine due to a medical condition ( she is highly allergic to 2 ingredients ) I have tried dealing with XXXX and its in PayPal credits hands. They will not help me and I really would like my money back. They told me I had 180 days from purchase. Which is ridiculous since I purchased them in XXXX of XXXX and the concert is postponed till XXXX of XXXX. The pandemic shut all concerts. I didn't know the new date 180 later or the new rules and I just found out I will not be getting the VIP tickets I bought

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
A collection account under the name XXXX XXXX XXXX has show up on my credit reports. It says it is for XXXX XXXX which I have never done business with. I never received a letter giving me 30 day notice of the debt. I have called and they where asking for more personal information from me I was unwilling to give. I am in the middle of a mortgage refi and this is holding up the process and needs to be removed asap.

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 2020-04-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2019 I got approved for a loan with XXXX. XX/XX/XXXX a payment was supposed to be paid to XXXX but I got an email from XXXX saying they now own the loan and I must go on their website to set up autopay. I was in the middle of driving cross country because I was XXXX ( XXXX XXXX ) so I told them when I got settled I would. When I got settled I set it up but there was no XXXX  XXXX  in my area so my direct deposit was sent to XXXX XXXX XXXX XXXX. I tried to set up payment before then to come out XXXX XXXX  but they said if you late you can not do autopay or if payment is returned. Each month I went online to send payment but they still kept saying I was late. I finally talked to a decent Supervisor in XXXX who told me that XX/XX/XXXX I owed for XXXX so I was always behind one month and thats why it was 30 days behind and some auto pay set ups did not come out even though I did it online. She took of 1/2 of late payment. XXXX $ for each month which was XXXX. So she told me pay XXXX $ for late fees, XXXX, XXXX and XXXX payment, plus XXXX $ fee for 1 month extension and that would be 6 payments so they could set me up for a 1 month extension so that I would be caught up. Then she would make sure after that starting XX/XX/XXXX my auto pay would remain in effect and I wouldn't have to call again or be harrassed by them. 3 days later they were blowing up my phone saying I was 60 days behind and said they had no recollection of my conversation with supervisor. They then reported to the credut bureau I was 120 days late. So I told them stop harrassing me. Everyday they call over 10 times. XX/XX/XXXX a partial payment came out and I do not know why the full payment did not come out and they still reporting I have not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
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: Information belongs to someone else

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.

has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Request for Removal of Inaccurate Collection Account - Account Name : XXXX XXXX, Account Number : XXXX I am writing to bring to your attention an erroneous collection account that has been added to my credit report. As a consumer, I believe this account violates the provisions outlined in the Fair Credit Reporting Act ( 15 USC 1681 ) and request your assistance in having it promptly removed. 

Account Details : Account Name : XXXX XXXX Account Number : XXXX Explanation : 1. Inaccurate Verification : I have been informed by the reporting agency that this collection account was verified, despite the fact that I have never had any business or financial association with XXXX XXXX. This verification process was conducted erroneously, as I have never engaged in any transaction or entered into any agreement with this company. Therefore, the account is incorrectly linked to my credit history. 

2. Financial Hardship : The presence of this unjustified collection account on my credit report has significantly impacted my financial standing, causing undue hardship for both myself and my family. It has limited my access to credit opportunities, making it challenging to secure loans or favorable interest rates. Removing this inaccurate account will help alleviate the financial burden we currently face. 

I kindly request your immediate attention to this matter and the initiation of an investigation into the validity of the collection account. Based on the information provided, I firmly believe that this account should be removed from my credit report to ensure accuracy and fairness. 

I appreciate your prompt attention to this matter and look forward to a favorable resolution. Please provide written confirmation once the investigation is complete and the inaccurate collection account has been removed from my credit report. 

Thank you for your assistance.

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 2023-09-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

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 2022-04-23
Company: BARCLAYS BANK DELAWARE
State: GA
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:
On XX/XX/XXXX I was robbed in XXXX XXXX and Hotel in XXXX XXXX XXXX. My wallet was stolen with credit and debit cards from XXXX, XXXX, XXXX XXXX and Barclays among others. XXXX, XXXX and XXXX XXXX noticed unusual activities on their cards but alerted me and eventually declined the transactions. I couldn't receive the alerts because my cell phone was stolen as well along with 2 watches, wedding ring, {$1800.00} cash my driver 's license among other valuables. I alerted all credit card companies the following day. The Police were called to the scene and a report was made on the night of the incident. 
When I got a new phone, I noticed that Barclays was the only institution that didn't try to alert me and approved transactions of approximately {$1000.00}. XXXX and XXXX did their investigation and established that the charges on their card were fraudulent. Barclays wrote to me on XX/XX/XXXX to tell me that their investigation was complete and that I was not responsible for the charges on their card. I have that letter in my possession.They kept on sending me statements with the amount plus other charges. They actually did auto pay from my bank account which I had reversed by my bank. 
I have made 2-3 calls weekly to them in an effort to have the matter resolved but they keep confusing me, directing me to different departments within their organisation until a month ago I noticed where my credit score fell XXXX points because of their actions. I contacted XXXX who said that they would do an investigation. XXXX emailed me this past week to say that they believe that i am responsible for the fraudulent charges even though I was not contacted during their investigation. They said that they only spoke to Barclays. I have since closed the account with Barclays because I really don't even use their card. Last transaction was their annual fee of XXXX XXXX months before. 
I have filed another dispute with XXXX but I was advised to report the matter to CFBP as well.

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 2020-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Fraudlant charges on my card I reported them to bank of america the day they happened. 

Bank of america rejected my chargeback wven though i reported my card stolen in a timely manner

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