BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-16
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt shows up as National Credit system in reference to XXXXXXXX XXXX XXXX. 
The alleged amount is {$590.00}. We contacted the Apartment building and they have no record of it. Contacted the prior property company XXXX and they have no record of it. 
Contacted National Credit System at XXXX and at first gave the account number listed on my credit report and my social security number was transfered to a XXXX XXXX voice mail. 
I have not received a return call yet. I have also written dispute letters to all three credit bureaus to have it removed since it seems like a fraudulent charge since no one knows anything about it. 
Please assist me in anyway you can to get this remedied. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX # 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 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 2023-08-17
Company: JPMORGAN CHASE & CO.
State: FL
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:
I am writing to bring to your attention an alarming experience I recently had with XXXX XXXX XXXX and the subsequent mishandling of my dispute by Chase Disputes Department. On XX/XX/2023, I solicited the services of XXXX XXXX XXXX to repair my AC unit located at XXXX XXXX XXXXXXXX XXXX. The technician, representing XXXX XXXX XXXX, charged me for a XXXX XXXX that he claimed was used to potentially detect leaks and additionally for XXXX pounds of freon. However, the unit continued to underperform, prompting me to contact the company again. Their assessment was that more freon was needed. Given the recurrent issues, I decided to seek a second opinion from XXXX XXXX XXXX. On XX/XX/2023, a senior technician from REM undertook a thorough inspection and not only confirmed that my unit was spraying freon, but that I didn't need the dye because you could clearly see the freon spraying out of the unit. The technician also revealed that the UV dye application I had been charged for by XXXX XXXX XXXX was never conducted. 
This was confirmed using specialized XXXX XXXX XXXX In response to this discovery, I promptly filed a dispute with Chase Disputes, challenging the charge of {$1000.00}. It is deeply concerning that a service provider would act in such a deceitful manner, capitalizing on my lack of technical expertise in the matter. To my dismay, on XX/XX/2023, I received a decision from Chase Disputes ruling in favor of XXXX XXXX XXXX. This decision not only lacked a thorough understanding of the nature of my dispute but also denied me the opportunity to provide supplementary evidence, including a crucial video from XXXX XXXX XXXX, which irrefutably proves my claims. The dismissal letter from Chase misconstrued my dispute stating, " That I disputed the charge because I believed that I cancelled the service with the merchant due to quality of service provided, '' which is patently incorrect. My grievance is explicitly due to the fraudulent service rendered by XXXX XXXX XXXX and the payment I made for services that were never delivered. Given the above, I am appealing to the Consumer Financial Protection Bureau to investigate this matter, ensuring : A thorough review of the unethical and deceptive practices of XXXX XXXX XXXX. An inquiry into the dispute resolution processes at Chase Disputes, which seem to be lacking in due diligence and a genuine understanding of customer complaints. It is distressing to believe that consumers can be so easily defrauded, and I hope that the CFPB can provide recourse and ensure that such practices are adequately addressed. Thank you for your attention to this matter. I trust in the integrity of the CFPB to act in the interest of justice and consumer protection. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an email on XXXX XXXX from Wells Fargo indicating if I opened a new checking account using the link they provided, I would be awarded {$320.00}. I needed to open the account before XX/XX/2023, have a total of {$1000.00} in direct deposits for 90 days, then I was to receive the {$320.00} bonus. I clicked on the link they provided from my email and opened the account on XX/XX/2023. After I opened the account, I noticed the bonus code was not in my paperwork. The bonus code was XXXX. After I noticed the bonus code wasn't there, I immediately called customer service #. They told me to go into the branch and they can add the bonus code. A week later I went into the XXXX CA branch ( XXXX XXXX XXXX, XXXX, CA XXXX ) and they applied the bonus and they said to wait until all the terms of the offer were met, then you would received the {$320.00} bonus. 120 days after I opened the account, I called the customer service department and they indicated the code was not applied when I opened the account. I said, it wasn't my fault your email link did not work properly and I wanted to open a complaint. I opened a complaint and they denied my claim. I asked to speak with a supervisor and they opened another case. Again, they said since the code was not there on the day I opened the account, it was not valid. I reiterated, the email from Wells Fargo indicated the link would auto-apply the code, which it did not. I would like to add, Wells Fargo has some of the worst customer service representatives I have experienced at a bank.

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 2023-08-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I lost my debit card and charges of XXXX from a XXXX in XXXX were made on my card on XX/XX/2023. I know with certainty I did not make these charges as the day the transaction was made I was at work in XXXX XXXX XXXX, leaving for work at XXXX, then going straight to the XXXX XXXX at XXXX. I did not arrive home until XXXX. Furthermore, I drive a XXXX and there is absolutely no way or reason in which I would ever spend my money on gas, especially in the city of XXXX when I work in XXXX XXXX. I am frustrated and disappointed with my bank and would like a resolution for these fraudulent payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

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 2023-01-12
Company: EQUIFAX, INC.
State: NJ
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX Card : # XXXX, XXXX Card : # 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 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 2023-08-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
The coolant claims i allied XXXX XXXX XXXX XXXX card. This must have been fraudulent as I did not apply myself. They have since been harassing me constantly about it calling at all hours of day and night and using illegal tactics to try and get me to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: Experian Information Solutions Inc.
State: NY
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 a victim of identity theft

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 2023-12-08
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My mom originally opened her acct over XXXX  years ago with Regions bank. In XXXX  I was working and decided to open an account for pay paychecks to be deposited in. The bank required me to have my mom on the account they said until I turned XXXX. XXXX XXXX now and I have tried to remove my mom but the bank has refused. They said I would have to close down this account and start all over, which is a hassle with the amount of bills I have coming up each month. Approximately XXXX months ago I noticed {$54.00} missing from my account. I called the bank and was given a run around and a hassle just to access the information. Then I was told it was offset to pay my moms loan payment that was in arrears. I am NOT liable for my moms loan payment, that is her sole debt, I did not sign for the loan and Im not the responsible party. I requested the money be returned to me but the bank refused. Fast forward, yesterday morning when I checked my account I noticed {$410.00} missing. This money was allocated for my bills. They left me in the negative. I called the bank and they said they applied it to my moms account once again. I went round and round with XXXX, the collections XXXX. She was rude and condescending and wouldnt let me speak. I asked why we were not notified. She claims we were notified. I asked for the date of the notification and she changed the subject. She said we were notified on the day the account was open, over XXXX   years ago. I do not feel that the bank has the right to take my money to pay another persons debt, that I did not agree to pay. Also this banks does it in a sneaky fashion by not sending notifications. Even IRS & Student loans give proper notifications before seizing money from an account. Now this morning I woke up to them taking another {$240.00} from my account. I do not know all the banking rules but have read that on joint accounts they cant pull money owed on sole debts that dont belong to me. 
I have more documents but I need to send them at a later date as they are not on this device. I will send these document that shows they credited my moms account with my debit. I also attached the only information I could find online that states that banks should not offset from joint account for a sole debt thats 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 explanation
Consumer complaint received 2023-12-08
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
On XX/XX/, I submitted an application to American Express ( AMEX ) for an American Express Business Platinum Card. The amount was not determined. On that same day, my consumer report ( credit report ) was accessed by AMEX. After checking the FCRA, CFPB, U.S.C./CFR, and AMEX SEC filings, I began to reach out to Investor Relations Division, then specifically asking for the Chief Risk Officer, XXXX XXXX via voicemail. Not response has been given. Issue : According to the FCRA ( 15 U.S.C 1681 which holds authority under 16 CFR 602 ) denying or causing negative impact to a consumer report is adverse action ( section 603 ). I had not expected my credit report to be requested via third party because I offered my SSN. I was never notified of any adverse action information including ( 1 ) name, address and number of CRA ( 2 ) statement that CRA did not make this adverse action ( 3 ) Report is accessible for AMEX by CRA for 60 days ( 4 ) The right to dispute the information obtained by CRA. ( Section 615 ). Section 605A ( h ) has limitations imposed for obtainig a report for certain circumstances, including to establish new credit for a consumer. These are the deceptive and fraud acts spoken to be prevented by the CFPB in the AMEX SEC Filings. On page 17 of AMEX SEC Filings under the Consumer Financial Product Regulation states it is authorized to collect fines require consumer restitution in the event of violations '' ... ... '' promote availability of financial services to underserved consumers and communities ''. I am looking to speak with someone to receive remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I disputed a transaction I made with the XXXX XXXX XXXX because I have had fuel reader issues twice and upon inspection with my insurance company the windshield was damaged in multiple places, but only one is noticeably visible. Because I lost the dispute and it went over my credit limit they closed my card, which is going to negatively impact my credit score.

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 2023-08-17
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had a check for XXXX in my account my account was hacked and I was able to get some of my money back but not all of my money and my bank is refusing to do an full investigation my account was compromised and somebody was XXXX out of my account like XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my bank is refusing to hand me back over my funds I ended up closing the old account and making a new one

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: CarMax, Inc.
State: CA
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:
My grandmother went to get a car around XXXX and she was not approved because of her credit was limited so she asked me to cosign for the car. Unfortunately she XX/XX/XXXXon XXXX of XXXX and we tried to notify the dealership about the problem and they never responded and told me that it was now my problem. They later came to reposes the car without even notifying me or calling me back. Now it popped on my credit report as a repossession and I never even had a chance to make any types of arrangement. I feel like this was handled with complete lack of faith to help from the bank. I even sent them proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My card was compromised on XX/XX/XXXX for XXXX transactions for {$100.00} and {$100.00} this really put me in a whole I tried to dispute and order a new card then on XX/XX/XXXX my dispute was denied instead of investigating for 90 days they denied my dispute and I even sent supporting documents and contacted the merchant they investigated and said my card was compromised

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-17
Company: Auto Advantage Finance, LLC
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My husband 's card was hacked and they got his entire paycheck. I contacted the finance company to attempt to defer a single payment. I was informed that there were no deferment options due to policy charges that were not passed on to the customer. They continuously change their policies and never inform customers about the changes. My loan is nearly paid off.

Company response to consumer: Closed with explanation