BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
my issue has not been resolved since  XXXX   XXXX  .I bank with chase bank. I had  XXXX  transactions of  XXXX  dollars to   XXXX   purchased illegally on my debit card numbers. my card info was stolen. I immediately called the bank canceled the card and started the process to get my funds re-credited to my account. A temporary credit was received a week later. then  4  weeks after that the credit was removed. I called them again had another temporary credit put onto my account in  XXXX  for the same issue. Yet again by  XXXX   XXXX  the bank again removed the the temporary credit. I called and escalated the issues to their fraud claims department to a supervisor and then the supervisors manager on  XXXX   XXXX . They said  XXXX  admitted to there department I did not make any purchase and credited chase and that I should receive my money in 5 days.  XXXX   XXXX  I got formal letter in response admitting guilt and fault on chase banks end and that my temporary credit would be made permanent. however as I said before this temporary credit was removed and I have still not received funds by the set specified time frame from the supervisor. This is the third time I have submitted it for review and have won my argument, but yet still have not received my money from the bank. Please help me in away possible thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-29
Company: WELLS FARGO & COMPANY
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:
I was removed off as an authorized user on a credit card from Wells fargo on XX/XX/XXXX. 

XXXX XXXX the credit card was removed off my XXXX bureau. 

XX/XX/XXXX it was placed back on my XXXX  bureau XX/XX/XXXX I filed a dispute with XXXX. 

XX/XX/XXXX Wells Fargo responds states its accurate reporting. 

XX/XX/XXXX XXXX I contact and speak with XXXX who states I was removed off as an authorized user on XX/XX/XXXX. He filed a complaint escalation form. 

XX/XX/XXXX XXXX Spoke with XXXX who verified complaint form was filed but not received to the specific department. Gave me claim number Case number XXXX XX/XX/XXXX XXXX XXXX states that it can 1-2 business days to get someone to help. And 10 business days to resolve the dispute. 

XX/XX/XXXX XXXX XXXX states not assigned and can take 10 business days to just look at report. 

XX/XX/XXXX XXXX XXXX states that it can take 10 business days to get a letter and they have no answer or date to when or if the account thats reporting incorrectly on my XXXX  bureau will be removed. 

XX/XX/XXXX I disputed the account on XXXX  again and still waiting on results. 

Its been over 30 days and not one person will remove this erroneous account from my credit. Its reporting incorrectly and affecting my score. Its causing harm to me.

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 2023-07-08
Company: DISCOVER BANK
State: TX
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 made a purchase of clothing from XXXX XXXX for a total of {$840.00}. However, upon receiving the order, I found that the clothes did not fit me properly. As a result, on XX/XX/XXXX, I initiated a return order, which incurred a {$5.00} charge for the return of the products. The parcel was successfully delivered to XXXXXXXX XXXX XXXX warehouse on XX/XX/XXXX at XXXX XXXX as confirmed by the proof of delivery provided by XXXX. 

After waiting for a week, I contacted the customer service department to inquire about my refund. They informed me to wait for a couple more weeks. Following their instructions, I waited patiently, but when I reached out to them again, they insisted that they were still awaiting receipt of the returned products, despite XXXX providing proof of delivery to their warehouse. They expressed their inability to assist me further. 

Due to this unresolved issue, on XX/XX/XXXX, I decided to file a chargeback dispute with Discover Bank. Since then, every month, my bank has temporarily credited the disputed amount back to my account based on the evidence provided by XXXXXXXX XXXX However, upon reviewing the paperwork each time, I noticed that it never addressed the actual issue I raised, which was that the products had been returned to their warehouse. It is particularly disappointing that XXXX XXXX consistently sent the same documentation to my bank, which failed to address the core problem I experienced as a customer and my bank also failed to review the paperwork diligentlynamely, the return of the items to their warehouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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: Account status incorrect

Complaint:
If, after any reinvestigation after paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 


I sent out validation letters to the 3 credit bureaus ( XXXX, Equifax, XXXX ) to verify the following accounts below. The credit bureaus sent letters verifying all information on the reports. Here are those accounts that were in dispute : Account : XXXX XXXX XXXX XXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date of Last Activity ' is inaccurate XXXX reports : XX/XX/XXXX Equifax reports : XX/XX/XXXX - 'Date Reported " is inaccurate XXXX reports XXXX XX/XX/XXXX Equifax reports XXXX XX/XX/XXXX The account has already been deleted by XXXX due to these inaccuracies but Equifax & XXXX have yet to delete them and I'm requesting assistance with the deletion of this account through CFPB. 


Account : XXXX XXXX XXXX  XXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date Reported ' is inaccurate on all 3 bureaus XXXX reports : XX/XX/XXXX Equifax XXXX : XX/XX/XXXX XXXX reports : XX/XX/XXXX Requesting deletion of this account due to inaccuracy even after reporting agencies reported information as verified. 


Account XXXX XXXX XXXX XXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date of Last Activity ' is inaccurate on all 3 Bureaus XXXX reports : XX/XX/XXXX Equifax reports : XX/XX/XXXX XXXX reports : XX/XX/XXXX - 'High Balance ' is inaccurate on all 3 Bureaus XXXX reports : {$0.00} Equifax reports XXXX {$520.00} XXXX reports XXXX {$1300.00} Attached files to show inaccuracies are from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 want to delete the account XXXX XXXX XXXXXXXX I tried to taken action against them and was not successful in anyway please help me delete this account from my Consumer report. 
I did not open this account. 

Name : XXXX XXXX XXXX XXXX open : XX/XX/XXXX Amount ; {$410.00} Name : XXXX  Date Open : XX/XX/XXXX Amount : {$190.00} THESE ARE NOT MY 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
Consumer complaint received 2021-03-15
Company: TD BANK US HOLDING COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My Target Red Card monthly credit card payment was due on Sunday XX/XX/XXXX. On XX/XX/XXXX, Target charged me a late fee of {$29.00}. I confirmed with my Bank that at my instructions, they sent an electronic payment transfer to Target on Friday XX/XX/XXXX. My bank informed me, that just about every transfer sent by this method will be received by Target on Friday. 
I called Target Red card service at about XXXX XXXX CDT on Monday. A very polite agent named XXXX, informed me that Target had not received or posted my payment as of that time. She credited my account for the {$29.00} late fee based on my relations with Target. However she insisted that Target was not responsible because they did not receive the payment. 

It seems to me and I hope you will investigate, Target has set up a system that has the customer pay, when their system does not work. I needed to spend my time, given Covid, I do have plenty of time, to inquire about their shortcomings. This is extra fee, Target imposes on busy people and families. 

I request that you investigate to see if Target has a pattern or practice of making the customer pay for their mistakes. Hopefully, it is just me that had a bad experience with Target.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/23 a hard credit inquiry was sent to TransUnion from XXXX. I did not apply to anything from that place ever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Aequitas Capital Opportunities Fund, LP
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received three different notices so far from a company claiming I chose them for my care and that I owe a balance due. The letter describes me as a patient and is offering me a payment plan at 0 % APR and has attached a bill for {$460.00}. There is no doctor listed and no date of service listed and no one answers their phone call and the automated phone call asks me to enter personal information that is not on the letter in the first place such as date of birth. It looks fraudulent to me and since this is the third time I am getting a notice of a balance due, I believe it is fraudulent. They appear to be using many different names like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They do have an address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and their phone number for carepayment listed is XXXX. Or XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2017-05-05
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a  walmart  card with synchorny bank. I had a  XXXX  limit, I just recivied a letter from them that they have reduced my credit limit from  XXXX  to  XXXX  i owe  XXXX . This decision was based on my other creditors on my credit report and the fact i was late  XXXX  time this year. First my credit is not good due to a lot of things namely a divorce this past yaer and hurricanes and what not. I would have no problem with my limit being reduced but not to the point it puts me at 100 % now my score will tank  XXXX  more points. Its not bad enough the late payments hurt you like they do, but this is just plain underhanded.     How can they base your credit on another creditor thats is not fair in any and it should not be legal. For  XXXX  a big bank amazon picked the wrong partner. Unfair credit practices.

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 2023-06-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 we send a payment of {$900.00} to Select Portfolio Servicing. We were currently in default at that time and SPS stated they would not take any payments other than cash. We call XXXX about the {$900.00} and the said the sent a paper check back to us on XX/XX/2023. We never received that check so we called again and SPS stated they would file an inquiry about the missing funds. The 3rd time we called we were informed the inquiry was never sent but they would send it again. The 4th time we called SPS informed us that our bank, XXXX XXXX, was holding the funds. We then proceeded to call XXXX XXXX and had a XXXX way conversation about the missing funds as XXXX had never received them. Upon calling XX/XX/2023 they filed yet another inquiry because nothing was in their records. 

We need this money to be applied to the XX/XX/2023 payment and they continue to drag their feet. 

We are asking that the {$900.00} be returned and we are asking for the XXXX tort amount for a total of {$2700.00}. We would also like our credit score scrubbed from this company as the hold payments, apply late charges and lower my credit score. This number was given to us by our lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: EQUIFAX, INC.
State: NJ
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:
This is in regard to collection listed XXXX XXXX XXXX for {$230.00} on XX/XX/XXXX XXXX. First time appearing on my credit report. 

XXXX XXXX membership and access to the fitness club were closed during Covid. I was paying mo! monthly membership but could not access the club. I contacted XXXX XXXX several times to cancel my membership and it was not processed. Gyms have been closed for about 9 months and now they are opened with one having to wear a mask during a workout. 

I called 2 times to this collection agency ( first on XX/XX/XXXX and then on XX/XX/XXXX ) to ask them to call me regarding that I cancel the membership and it was not processed. No one called me back. Called today and left a message. I also called XXXX XXXX today XX/XX/XXXX and they said they noted that my membership was not processed. The gym was closed and for a while, I was still paying for a service that I was not able to access. XXXX XXXX should reimburse me. I am requesting that this collection amount be taken off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: EQUIFAX, INC.
State: OH
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-07-31
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 status incorrect

Complaint:
I opened an account with XXXX XXXX in or around XX/XX/XXXX. The account was set up with automatic payment installments through XXXX XXXX. In XX/XX/XXXX, I approved a payment deduction from my bank ( XXXX  XXXX XXXX ). The bank flagged the amount and business as fraudulent payment. After verifying the funds were confirmed paid. However, XXXX XXXX reported my account as late on my credit report. 

I disputed this information through Credit Bureaus, it was temporary removed from my records but recently reappeared. Further noticing a negative change in my credit report making my scores lower and greatly impacted my ability to qualify for credit. 

This item has been disputed through CFPB in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: NJ
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:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.

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: GA
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:
Auto Loan # XXXX XXXX XXXX XXXX XXXX account reported as a CHARGOFF/ COLLECTION with derogatory remarks as a bad debt and balance due of XXXX 

This account is still open and in good standing with XXXX XXXX XXXX XXXX 

Title 15 U.S.C 1601 states I have a right to privacy. XXXX XXXX XXXX XXXX has violated my rights. 
Title 15 U.S.C 1608 states I have a right to fair credit reporting. 

I HAVE PREVIOUSLY contacted the buraus to investigate this inaccuracy and the request was deemed frivolous.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following charge off accounts on my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I believe these accounts are reporting incorrectly on my credit report. [ Add any additional information here, such as if you've paid off the account or if you don't recognize the account. ] As such, I am requesting that you investigate these accounts and remove them from my credit report if they are found to be inaccurate. 

Please provide me with written confirmation once this dispute has been resolved. 

Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2021-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I refinanced my auto loan and paid in in full. I have complete records of everything. 

XXXX XXXX first took several months to report my auto loan as paid in full. 

I reported the issue with all 3 credit agencies. 

The account is now reported closed but XXXX is reporting that I have a {$5000.00} balance to TransUnion when I have a paid in full letter from XXXX and they released the title.

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