BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XX/XX/2023 I contacted Chase Bank re : my Chase Slate card. I advised Chase that I was going to do a balance transfer, then close the account. I was given the payoff balance. I had NO pending charges. On XX/XX/2023, a balance of {$3600.00} was transferred From my Chase Slate card, to the XXXX credit card. I then went online to confirm that the card was closed. XXXX of this year, I began receiving phone calls from Chase Bank re : a charge. I advised the phone representative that I have not had a Chase credit card since I closed it in XX/XX/2023. The representative did some checking, APOLOGIZED and said that she will make sure it's closed and that there should have been No ongoing charges since XX/XX/2023. XX/XX/2023, Chase reported my account 185 days past due, with a card closure date of XX/XX/2023. My credit score has tanked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: NY
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 Account # 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 explanation
Consumer complaint received 2021-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2017 a card was opened with Capital One and i did not authorize them to do so i had no knowledge of this account until i checked my credit report i reached out to the creditors as well nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently took the time to review a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I lost my job due to the Covid pandemic. I filed for unemployment and was to receive weekly payments. I looked and nothing was deposited. Kept checking for deposits and still nothing. We were told on the news that many people were not going to receive our payments that we should be patient it would take a while. I kept checking and then stopped checking. I forgot about my unemployment checks until I just recently needed unemployment, a little over 3 years later. I had seen on the unemployment website that over 3 years ago I had supposedly been paid. I checked the prepaid card and the card had been canceled, but was transferred to a Bank of America customer assistant who told me that the card had been canceled and after their review that card had been used in 51 card transactions and there was no money left on the card. I told them that it was impossible I had used it and that card was in our file cabinet since the pandemic first began, and that we were under a lockdown for almost 6 months since everyone systematically contracted the virus and we went person to person until we all finally contracted this virus, during which my mother in law was XXXX  and shortly after died due to XXXX! There was no way we could have used this money. They said they have to file fraud and do an investigation which can take up to 90 days. I've called throughout the last 90 days and nothing is being done and they keep saying that I have to wait the 90 days and that I've just filed the previous week, not 30 days. They are now ignoring my calls and refuse to answer my questions.

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 2021-09-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX  XXXX  LLC Date Opened : XX/XX/XXXX on XXXX. XX/XX/XXXX on Equifax XXXX XXXX : {$500.00} on XXXX. {$0.00} on Equifax XXXX Reported : XXXX XXXX. XXXX Equifax Date Last Active XXXX XX/XX/XXXX on XXXX. XX/XX/XXXX on Equifax Date of Last Payment : XX/XX/XXXX on XXXX on Equifax This account is being reported with two different dates of last activity, payments, reported, credit limit, and date opened. If this account is being reported by the same source, why is everything different? Need it deleted for being inaccurate reporting from my XXXX and Equifax. 

This is a violation of reporting false information BY XXXX  on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: LA
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 2023-01-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
My company is in a XXXX XXXX case with Wellsfargo Banking institution. 

Attached is the communication with XXXX and it representation Wellsfargo. 

I'm requesting Wellsfargo respond to my XXXX provision with the XXXX. 

At this time Wellsfargo refused correspondence with 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 non-monetary relief
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: MD
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:
Im submitting this complaint against EQUIFAX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. This company continues to electronically verify this " ghost '' account without providing any legally binding evidence, such a signed contract and a complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, this company refuses to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. Its causing me so enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 submitted a complaint last XX/XX/ and it was closed immediately. I submitted a complain again last XX/XX/ and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. How can you say that you closed my complaints because it has already processed earlier complaints about my problem. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. THESE ACCOUNTS ARE NOT MINE.

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 2023-04-08
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
They are not showing all transactions online or on statements. My credit card is used with XXXX to pay XXXX. I placed order and then cancelled it. XXXX refunded to XXXX. XXXX shows that XXXX charged {$23.00} on XX/XX/XXXX and XXXX refunded {$23.00} XXXX XXXX. Citibank Wayfair MasterCard DOES NOT show any transactions on those days and no transactions for that specific amount on any other days or transactions totalling that amount. So, they have to be breaking the law by not showing all transactions? Plus they are so slow to show transactions. If I use my card to make a purchase with my other credit card it shows same day. Citibank takes 2 to 4 days before they show up.

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 2021-03-17
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:
I have been disputing these accounts which do not belong to me for a year but I feel like its to no avail I have opened an FTC report and have a notarized affidavit regarding identity theft for these accounts and still nothing. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : 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 explanation
Consumer complaint received 2021-03-17
Company: BBVA FINANCIAL CORPORATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This complaint is in reference to dispute case : XXXX with SIMPLE bank ; soon to be BBVA. On XX/XX/2020 XXXX charged my shared bank account {$9.00}. This had been going on for several months. I attempted to resolve this issue with the merchant as they did not have authorization to debit my account for that amount. XXXX had no record of our ATM/Debit card on file for any of our accounts. I believe there was still an issue on their end that was causing our debit card to continue to be charged. I had my debit card cancelled and a new XXXX issued 3 times with SIMPLE, however each time XXXX was able to obtain my card and continue to pull money out of my bank account. SIMPLE did XXXX to stop this from happening. On XX/XX/2020 I contacted SIMPLE via phone and online support and advised them of the unauthorized, fraudulent transaction from XXXX XXXXo {$9.00}. They agreed to review. On XX/XX/2020 I received a message from XXXX with SIMPLE Fraud & Disputes stating that they denied my claim for the reason : -The cardholder has established history with disputed merchant ( s ). The only reason for the established history is that XXXX had been charging my card fraudulently for the past 4 months and each claim was approved in my favor since I never authorized my card. I believe XXXX is purposefully discriminating against me because I'm a XXXX and causing me unjust XXXX XXXX and XXXX. I believe that XXXX is not taking into consideration that EVERY SINGLE claim previously filed against XXXX and their illegal business practices were approved in my favor and the stolen funds returned back to me. I want XXXX and SIMPLE reviewed and I want my {$9.00} back that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Nelnet, 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:
My loans have been discharged due to total and permanent disability status. I have inqured and requested when these will be removed from my credit report as it has been over 7 years and I am still getting the run around about it. As I am not able to obtain employment due to this and I don't qualify for federal or state government disability benefits. XXXX the reporting agency has also threatened to keep it on my report for an additional 10 years even though my account is closed and in good standing. I been back and forth with the creditor and dept of education nelnet and the reporting agency XXXX and have not came to an amicable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/2021 I lost my phone with my Coinbase app on it with approximately {$3500.00} in my account. I contacted Coinbase and they disabled my account to prevent theft. I quickly replaced my phone and signed out of the accounts on the old device from my new phone and let coinbase know in an email on the same day I lost my phone. I was sent an email saying they'd look into it for a solution. I contacted Coinbase by email on XX/XX/2021 and they replied that they would review the situation and respond with in 4-5 days. Still I have yet to hear from coinbase or gain access to my account. Apparently this is a common problem and their customer support is non existent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I disputed an ATM transaction with Bank of America in the amount of {$700.00}. Within the same hour, my account was frozen and I was unable to access my remaining funds. I called the Bank of America to get clarification on why my account was frozen in which they directed me to contact the XXXX XXXXXXXX XXXX Department. After being prompted to contact XXXX, I spoke to XXXX  on XX/XX/2021 who and informed me that I needed to provide ID verification, which I provided through the XXXX website. On XX/XX/2021, I spoke to a XXXX representative who informed me there are no issues with my account or verification on their end, they also referred me back to Bank of America to obtain bank account access. I called Bank of America again the same day to get an update on my account status and claim, in which they stated that they do not have access to since the account is frozen for fraudulent activity. Over the period of a week, from XX/XX/XXXX to XX/XX/XXXX, I have called Bank of America XXXX to get an account update, to which they claim they are unable to give me. I have confirmed with XXXX through several different phone calls that my XXXX account has no verification or fraud issue and each time I am told to contact Back of XXXX for access to my account. On XX/XX/2021, I received a letter dated XX/XX/2021 stating : Your claim has been closed because we believe the account or the claim have been the subject of fraud or suspicious activity. Any temporary credit that was applied to your account related to this claim, including any fee related reimbursement or fees, has been or will be debited from your account and reflected in your available balance, if any. I contacted Bank of America again on XX/XX/XXXX to reopen my claim and get account access, in which I told that my account is frozen and they are unable to help me until my account is unfrozen. I am concerned I XXXX not have access to my account to pay my bills. I am supposed to receive an XXXX  payment this upcoming Monday. I will not have access to the payment until Bank of America unfreezes 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 monetary relief
Consumer complaint received 2022-06-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, I signed up for " XXXX XXXX XXXX '' with an offer to earn XXXX membership rewards points for doing so, but the XXXX points were never awarded to my account ( see attached screenshots ). I rose this with the company on XX/XX/XXXX, XXXX they said it would take 1-2 weeks to resolve the issue, but never resolved the issue or contacted me with a response. They owe me XXXX membership rewards points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Tried calling XXXX, XXXX  and also Transunion to remove addresses that were not accurate on credit report. Was not allowed to remove said addresses. 

Transunion has an inaccurate previous address of XXXX XXXX XXXX XXXX La, XXXX. It also has the wrong current address. I have not lived there at any time. My current address is XXXX XXXX XXXX XXXX La, XXXX. XXXX XXXX   XXXX XXXX XXXX La, XXXX is my correct previous address. 

XXXX has an inaccurate previous address as XXXX XXXX XXXX XXXX La, XXXX. I have never lived at that residence. 

XXXX has two inaccurate previous addresses as XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX is also an inaccurate previous address. I have not lived at either addresses at any time.

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 2023-10-18
Company: Consumer Financial Services
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
THIS IS NOT A DUPLICATION. 

I submitted a claim, MULTIPLE TIMES NOW, they refuse to answer my questions on the phone, they refuse to work with me, they refuse to find a solution and help people who are innocently suffering with false inquiries. The company stated as follows : XXXX XXXX XXXX XXXX XXXX ( XXXX ) has reviewed the complaint and attachments. Our records show that XXXX XXXX applied for an auto loan on XX/XX/2023, via newroadsautoloan.com. XXXX received the credit application electronically. A copy of the disclosure and consent is attached. Ultimately, XXXX did not finance XXXX XXXX. If XXXX XXXX believes that the inquiries were submitted in error, please provide additional information to our Credit Report Response Team for investigation at XXXX XXXX XXXX XXXX XXXX, Attn : Credit report Response Team, XXXX XXXX XXXX, XXXX, CA XXXX. However, I did not authorize them to access my credit report. I have not spoken to ANY personal at this company to do such as long as I have lived on this earth! I do not know anything about this company. I could not tell you what they do or what their company offers- if they offer any services. No clue is they are even reliable or accreditable. I have never encountered them, do not wish to, and do not need to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of identity theft, I am a person and not a third party, I XXXX XXXX born XX/XX/1977 am sending in this complaint my self to have a fraudulent account removed and i authorize experian to fix this issue

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