BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-18
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 began disputing an unverified bankruptcy with Experian in XX/XX/XXXX. I have sent this institution multiple disputes requesting that the unverified item be investigated and removed from my Experian credit report. Every time this institution responds with the item is verified and the data furnisher is XXXX XXXX. I have reached out to XXXX XXXX on multiple occasions requesting information on if their establishment provided data or verified the information in question. Each time, their response to my inquiry was a resounding No. On XX/XX/XXXX, after speaking with a XXXX XXXX Customer Rep I was able to once again pull my Lexis Nexis consumer report. After Obtaining my XXXX XXXX report and reviewing the information, it was confirmed that Experian had not conducted a proper investigation into my dispute. According to my Lexis Nexis report Dated XX/XX/XXXX page number # 2 shows that a security freeze has been in place since XX/XX/XXXX, and page # 47 of the same XXXX XXXX report shows no Bankruptcy under Section 9 Bankruptcy records. On XX/XX/XXXX, I sent another letter to Experian once again disputing the information. On XX/XX/XXXX, I received a response stating that the information was once again verified and the data furnisher was XXXX XXXX. I have included pages XXXX and XXXX from my XXXX XXXX report dated XX/XX/XXXX, as supporting documentation to prove that a proper investigation is not being conducted and Experian is continuing to report unverified information on my credit report. I would like the item deleted immediately because Experian refuses to conduct a proper investigation into this matter.

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 2019-10-01
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$500.00}, {$0.00}, {$7000.00}, {$5000.00}, {$3500.00}. 
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

-OPEN ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

-CLOSED ACCOUNTS- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 







5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account.

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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TransUnion currently is reporting under XXXX XXXX XXXX that I have a 120-day late payment in XX/XX/XXXX and a XXXX late payment in XX/XX/XXXX ; both are incorrect and should not have been on the report to begin with. 

I initially filed a dispute to this item earlier this fall and was told by TransUnion that they have no control over what they are reporting but rather they have to report what the creditor tells them to report -in this case XXXX XXXX XXXX XXXX

I have spoken to XXXX XXXX XXXX  on several occasions regarding this issue and each time I am told that this reporting discrepancy should have been resolved since the other reporting agencies have already removed these erroneous late payments.

These incorrect late payments are still being reported by TransUnion and it is currently keeping me from my correct and proper credit score and status. I need to turn to you because I can't determine which one of these parties is actually responsible for removing these items from my TransUnion 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 non-monetary relief
Consumer complaint received 2021-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, OR XXXX Disputed charge XXXX On XX/XX/XXXX I purchased a lounge knit set in a size medium which included the colors kaki, an off white and pink. The image displayed a set which was a top, bottom pjs and a robe. I received the package around 2 weeks after I purchased the items. The sizing wasnt as it claimed to be. The off white was smaller than the other two colors and the 3 sets didnt include the robe. The other two colors were still kinda small on me. I emailed XXXX at XXXX and XXXX which was the XXXX page, to do an exchange or a return and until this day ( XX/XX/XXXX ) I received no response. The sizing that is referenced is off. Im not satisfied with the purchase because I cant even wear it comfortably. Im requesting my funds to be returned. If you go on XXXX at XXXX, there are many reviews with my similar concerns. Hopefully my issues can be resolved. 

I attempted to open a claim with Bank of America. I opened a claim on their mobile app. I reicced a notification a couple days later saying they needed me to submit additional information, which I did on XX/XX/XXXX. I had issues with their site. I called this day and the person I spoke to said I had to fax in the information. I called later that day and faxed them multiple times due to using a fax machine app. The person I spoke to said they received my information and documents. Then on XX/XX/XXXX, I get a email saying they denied my claim because either my documents were incomplete or not received. I called this day and the person I spoke to said they never received my documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On Thursday XX/XX/XXXX, I responded to an email that appeared to be from XXXX XXXX stating my " annual '' fee was being automatically deducted from checking account for {$290.00}. 
*I don't have a XXXX XXXX account *called the " customer service '' phone number on the email at about XXXX XXXX *worked with a person who claimed to be from XXXX *opened my Chase bank account so I could be refunded the {$290.00} *He began to operate my screen on his own without my support *He made it appear the {$29000.00} was sent to my checking account *He then began to convince me to send them a wire transfer for {$9400.00} *we completed that request and it appeared to be being sent to XXXX *I began to question the whole process and he was adamant that i not tell anyone or turn off my computer *He identified himself as " XXXX XXXX '', phone # XXXX *This made me more nervous and I eventually turned off my computer. 
*In accessing my Chase account, i discovered that this person had only transferred the {$29000.00} from my savings account *This was done without any delay from Chase which is their SOP on transfers of that large amount *Since my bank was now closed, I went to my local branch at opening time XXXX to make claim for being scammed on XX/XX/XXXX *I worked with XXXX and called claims and fraud to get the claim started *on Sat. XX/XX/XXXX, i filed a police report, # XXXX with XXXX, FL offfice of the XXXX XXXX Police with Deputy XXXX XXXX, phone # XXXX *Please the attached wire transfer info *on or about XX/XX/XXXX, i was informed by Chase that my claim was denied and the funds had been taken from my checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: JPMORGAN CHASE & CO.
State: VA
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:
CREDIT FROM CHASE IS SUPPOSED TO BE IN THE FORM OF A CHECK SENT DIRECTLY TO ME SINCE I SPECIFICALLY TOLD THEM IN MY PREVIOUS COMPLAINT THROUGH THIS FORUM THAT I WILL NEVER BE USING THAT CARD AGAIN!!!! CREDIT ON A CARD I WILL NEVER USE AGAIN IS COMPLETELY USELESS TO ME!!!! UNACCEPTABLE CUSTOMER SERVICE!!!! 

RESPONSE TO PREVIOUS COMPLAINT WAS SUPPOSED TO BE SENT BACK TO CHASE BUT APPARENTLY NEVER WAS!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: Bread Financial Holdings, Inc.
State: OH
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:
Comenity bank allows their users to lock their cards. On XX/XX/2020 I locked my card and stopped any all recurring payments.On XX/XX/2020 I was charged {$34.00} and XX/XX/2020 I was charged {$64.00}. I had trust that Comenity 's system worked, so I did not know about these unauthorized charges until XX/XX/2020 when Comenity sent me an email stating that a technical issue unlocked my card. 
I confirmed that my card was unlocked and used. I reported this information to Comenity TWICE. Twice they opened a case for me and twice they have decided that they were not at fault. 
In retaliation, it seems like my credit limit was lowered to a limit of {$750.00}, even through I just paid off {$1000.00} on XX/XX/2020 and have never had a late payment with Comenity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I was denied credit and found Capital One Auto Finance Account on my credit reports Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$32000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On my XXXX XXXX credit history report, I see an un recognized credit inquiry. XXXX uses transunion service. and unrecgnized inquiry is from XXXX XXXX. 

First I reached XXXX XXXX, they asked to reach transaunion. Transunion helped me freeze my credit history so no one can use it. But they want me to raise a fraud report. And mail them the XXXX number so that they can remove the fraudlent credit check from my credit 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 explanation
Consumer complaint received 2021-08-01
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo representative called and left a message. I called Wells Fargo and they could not locate the person leaving the message and suspected it was a spam call. A secure email was received and I called Wells Fargo to confirm authenticity and they advised me to send the email to their reportphish email address and never heard back. 

On XX/XX/2021 my business checking and my personal savings account were closed without any notice. I visited a local branch and they could not help. I was advised to call a number that would leave you on hold for a representative for 8 minutes then a recording would say the office was closed due to Covid. 

I received my money via XXXX  a week later. 

On XX/XX/2021 my regular checking account was closed without any notice. This account has my automatic payments scheduled and my paycheck is auto deposited.

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 2019-05-07
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
On or about XX/XX/2019, I initiated a fraud dispute with American Express concerning multiple fraudulent charges made to my account in XXXX and early XXXX of 2019. I was asked to submit an affidavit declaration of fraud form which I complied with and advised that I would receive an update concerning my dispute within 10 business days including a provisional credit to my account. On XX/XX/2019, I received an email advising me that my dispute had been denied because American Express had determined the charges to be valid. Since I know that I did not authorize any such charges, I asked American Express to send me copies of any documents used by them to substantiate the denial of my claim. As of todays date, my requests for such information has been denied. Notably, my subsequent research revealed that American Express has engaged in this unlawful behavior with Serve prepaid customers before. I was referred to as a down-market customer, and my requests for resolution has been ignored. Ive filed a small claims lawsuit which is pending for a XX/XX/2019 hearing. Most disturbingly, however, when I advised them that I have filed a lawsuit my account was suspended. As American Express is well aware, it is against federal law to retaliate against a customer for filing a fraud claim. American Express has flouted the law on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: EXCEL FINANCE COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My husband and I are 30 days to less than 30 days past due on a loan. However, we continue to pay our installment payment every month. They will call our cell phones, email me and when they can't get a hold of us they will call both of our jobs. 
I have advised repeatedly, that we can not be reached because of the nature of our employment ( XXXX XXXX XXXX ), nor can we receive personal calls at work. I have advised through verbal and written statements to stop calling our employers, yet they continue to do so. I have advised also that they may call our cell phones, email me or send letters to our address, but to cease and desist calling our jobs. It is unnecessary, especially when they have alternative ways of contact and they are still receiving a monthly payment. Although, this has happened on several occasions, the most recent occurrence was today XX/XX/19 when I answered a call from a representative ( I am off during the Summer ) and told her the date we would be in to pay it this month. My husband about two hours later calls me on his lunch break to inform me that they left a message with the charge nurse to call.  We are aware of our past due status and have advised them until we can make a double payment we will continue to make one payment every month. They have offered to do a deferment. but we have declined due to extending the loan and adding more interest. We are trying to pay this off. Bottom line, I have advised this to several representatives verbally and also in written form so it is not as if we are not aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXXXXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Experian Information Solutions Inc.
State: IA
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 have disputed the account alleged by XXXX XXXX XXXXXXXX XXXX for {$690.00}. Experian says the account meets the FCRA, however that is impossible. I have disputed the alleged account since I discovered it last fall.. Approximately XX/XX/2020. I have made several phone calls and sent letters via USPS to XXXX XXXX XXXX XXXX All of which have been ignored, and XXXX has failed to send any proof or verification of the account knowing my current address. Thus XXXX has failed to meet the requirements of the FCRA thus Experian is publishing FALSE information knowingly as I informed Experian of this many times. For that Experian should be fined for violating the FCRA rules. Experian has illegally put too much weight in information from a data furnisher, which should be given less weight then the alleged account holder.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Revco Management, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2020 I had a XXXXXXXX XXXX pursuant to an XXXX follow up that my doctor informed me that he saw something light up on my XXXX. Not to mention that I already know about a XXXX XXXX that I have. The XXXXXXXX XXXX was completely unnecessary, and I found out it was the same XXXX I knew about. I explained this to XXXX XXXX and they agreed, but my bill had already gone into collections even though I was told to fax a letter to XXXX XXXX, which I did. On XX/XX/XXXX, XXXX ( XXXX ) called me quite early in the morning and was very rude and nasty. I was extremely upset with her tone and badgering. I don't feel it is acceptable to speak to another person that way especially when you are calling about a scan that not only was unnecessary, but led me to believe that I might have XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Since XXXX I have been fighting this company and they seem to ignore FCRA law and just tell XXXX it's accurate data without providing contract documentation. I have sent multiple requests with no contractual proof. They are an unethical company. They act on behalf of Resurgent Capital whom I also requested contracts and they did not provide any as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
We received from Chase Bank a new Debit Card. When I looked at the information they sent it showed a checking number as well. It was oped in my wife 's name, XXXX XXXX. We called Chase Bank to inquire who opened the account and they could not tell us. We talked to their fraud department they closed the account and placed a fraud alert on the account. We then went to our XXXX XXXX, Illinois police department to to file a police report. We then notified XXXX ( we have accounts with them XXXX. Then we called the XXXX to report it to the credit reporting companies. 

Today we received another debit card from XXXX. We called them to inquire on who opened the account. All they did was verify the account had been established. We explained to them that we did not open the account. Again the account was opened in XXXX XXXX name. The bank closed the account since she did not open it. They instructed us to contact the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX, Equifax, XXXX, has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681.

According to 15 U.S.C 1681, Section 602 A, states I have the right to privacy. 

The following addresses do not belong on my credit report : XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXXXXXX XXXX XXXX XXXX XXXXXXXX, RI XXXXXXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX RAVEN DIRCLE XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX

Company response to consumer: Closed with explanation