BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On the morning of XX/XX/XXXX I logged on to our online banking and saw that the balance of XXXX of the account had been withdrawn from the account. The transaction showed as follows : XX/XX/XXXX WITHDRAWAL XXXX XXXX XXXX XXXX XXXX XXXX I contacted XXXX XXXX, our XXXX, to check whether he had withdrawn or transferred any funds from the account. He had not. We checked with XXXX XXXX, the other XXXX and she confirmed she had not. 

I tried to call our XXXX XXXX, XXXX XXXX XXXX times at XXXX ( last call ) and the number was unreachable. I emailed all the contacts I had at First Republic included XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX requesting assistance. All emails returned undelivered except for XXXX XXXX. 

I called the online support number for First Republic at XXXX am and spoke to a consultant who confirmed my identity and tried to contact our XXXX XXXX. We spent XXXX minutes on the call and he was unable to contact anyone. He also noted that the account had been closed by an authorized party so he could not pursue the issue without a banker. He suggested I go into a branch to speak to a banker and that he would get them to contact me. He was able to tell me that our newly assigned banker was XXXX XXXX and that the assigned branch was XXXX XXXX XXXX. 

At XXXX I emailed XXXX XXXX explaining the issue in the hopes of expediting the resolution. 

At XXXX I called the XXXX XXXX XXXX branch and spoke to XXXX XXXX who confirmed that XXXX XXXX was assigned to our account and that she would get him to contact us. 

At XXXX I received an email response from XXXX XXXX confirming that he forwarded my note to the compromised account team. 

Filed complaint with XXXX on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: NC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX 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 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 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 XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01
Company: Synovus Bank
State: DE
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 Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: I.C. System, Inc.
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I believe that this account has been re-aged. I have a delinquency on my credit report from XX/XX/XXXX stating that it is from XXXX for XXXX dollars. I did not live in the US from late XXXX until mid-XXXX and did not have XXXX during this time. I did have some sort of XXXX XXXX in early XXXX. I experienced a XXXX XXXXXXXX situation and the bill may have gotten lost in the mix. I am not sure. I was just trying to survive at the time, to be honest. I can not even tell you if it was XXXX or not. Anyway, considering that it was from early XXXX, it has passed the 7-year mark and should not be on my credit anyway. If IC System did purchase a valid debt back in XXXX when I did not even live in the country, they re-aged it to the time when it was purchased and not the time when it was actually delinquent.

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 2023-09-14
Company: EQUIFAX, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03
Company: eCon Credit LP
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:
Incorrect amount of XXXX dollars is being requested for payment as noted by XXXX  for fee amount and incorrect balance amount is being displayed. The correct amount for payment is {$30.00}, Nationwide Acceptance corp. is supplying incorrect data to XXXX  reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Williams & Fudge, Inc
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a debt with with Williams and Fudge ( the collector ), the original creditor is XXXX University. I set up a payment plan for XXXX, per pay period since the new rep XXXX XXXX said i couldnt continue to do XXXX per month like the previous rep XXXX XXXX said. This additional XXXX was agreed to by the new Williams and FudgeXXXX. XXXX informed me if i needed the payment stopped to call/email her. i sent an email to stop a payment and to take 2 payments on XXXX ( she agreed to this ) ; her company took the money out of my account anyway. I spoke with XXXX XXXX and she said she would refund it. She then leaves a message saying she not refunding it. I email her and informed her I will be paying online from now on. I get an email from the manager saying i cant make my payment online and if i pay online the whole balance is due. Thats a false statement as I have made payments online previously for years. I told them they can no longer auto debit my card and they got mad.Williams and Fudge are now lying and using unfair practices to collect a debt. I included the emails. I will not under any circumstances allow Williams and Fudge to auto debit anything and have advised my bank of the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Last year around XX/XX/XXXX my tax return was taken from my cashapp account without my consent And I informed the company about to which they did nothing..I was locked out of my cashapp since then an wasn't able to access my account until XX/XX/XXXX when I seen that my XXXX tax return was also sent there an taken again with my consent. I informed the company again an they again did nothing to resolve or reimburse me for my loses the first was {$4400.00} an the second was {$9000.00} I'm asking for full reimbursement do to the fact that my account is fdic insured an my money should be as well im asking for full reimbursement of my funds sent to me at [ XXXX XXXX XXXXXXXX XXXX XXXX ca XXXX ] my name is XXXX XXXX DOB XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: TN
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 1681. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX A LATE PAYMENT on XXXX XXXX # XXXX 15U.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 an 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
After checking my credit report, I noticed a fraudulent medical account on my profile. This is causing me distress as i am a 100 % XXXX veteran. My income is limited and this is in the way of me getting improved for anything. I have my healthcare paid for by the government and this is NOT MINE. Please remove the medical account number " XXXX '' from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I checked in to the XXXX XXXX XX/XX/XXXX and XXXX. Both times I had to deposit {$50.00} more for the hotel incidental fees twice. After I checked out on XX/XX/XXXX. I was told both of {$50.00} that totaled to {$100.00} will be sent back to my card account 3-5 days. Friday arrives I still didnt have my money deposited back into my account. So I called and got the manager XXXX XXXX on the phone who was very rude and used me being loud as an excuse to hang up the phone and tell me she wont be returning my money back. Although I let her know I took a screenshot of my account balance being back to {$6.00} before and after the transaction both times. She also, informed me how I couldnt take screenshots of the account. My money was never returned to me. 

I then called Wells Fargo who stated that they dont see the transaction of the {$50.00} deposit twice even though I have a screenshot of the monies being deposited and the ending balance after purchase of the room. Therefore there is no debate on the whether or not the transaction existed. Wells Fargo then informed me that they couldnt help me because they dont see it in their end.

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 2023-06-01
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX XXXX XXXX This account is NOT MINE. I am a victim of Identity Theft. I have disputed this account with the credit bureaus and XXXX and the account has not been removed.

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 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 have 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20
Company: AES/PHEAA
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 status incorrect

Complaint:
On my credit report you listed that I have a collection/chargeoff from your company. Please provide signed documents with my signature or any other documents showing I supposedly have a collection/chargeoff with your company. I have never been to college and I do not have any student loans. Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am contacting you to request the deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this action constitutes a direct violation of the FDCPA and FCRA. I urgently demand that you promptly delete and remove these accounts and information from my consumer report, as their presence is in clear violation of multiple laws. I expect immediate action to rectify 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 2021-06-20
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: Information belongs to someone else

Complaint:
Someone fraudulently opened an account with XXXX XXXX XXXX I had never heard of them until they showed up on my report. 

I called them twice and twice I was told someone would call me or email. That has not happened and the account is negatively affecting my credit score. 

Ticket XXXX XXXX XXXX ticket XXXX Fraud account ticket number XX/XX/2021 Account shows that it was opened on XX/XX/2021 And again I never opened an account with them. This is a very bad company and there is lots of complaints about fraudulent accounts and people getting a run around to try and get their names cleared. What it shows is that they have a very poor way of verifying people that are applying for loans. Its leaving me personally with a credit score that been affected and I cant buy a home because of their incompetence. They are very very hard to reach to get anything resolved.

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 2023-11-13
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debit is no longer owed, due to bills already paid to this company. It is inaccurate credit reporting and needs to be removed from my 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 explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
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:
XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX In accordance with the fair credit reporting act 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 that a consumer reporting agency can not furmish 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 2021-06-20
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Very bad company with their system Im a victim of fraud identity theft and disputed fraudelent hard inqueires their system sent me a letter in the mail after I sent them a FTC report by mail police report since they told me they need it to have it removed then I got a letter from them with dispute results saying all hard inquiries have been removed from my credit report then I go to see and its still reporting system dscroenecy this is unfair to me last time their office of consumer affairs had to remove this manually and apologized to me for their system doing this to me putting the inquiries back after telling me sending me results showing deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit 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:
I opened an XXXX XXXX XXXX card, the welcome bonus was XXXX XXXX points if I spent XXXX or more in 3 months. 

I fulfilled that roughly a month ago ( XXXX ), and XXXX of the spending was federal tax payment. 

I didn't get the bonus about a month ( XXXX ) after the fulfillment, I contacted Amex. They told me the welcome bonus attached with my card and I had an estimated charge of {$5600.00}. I thought I had fulfilled the spending requirements. 

After a few days I still didn't get the bonus and I contacted again. This time the agent told me my tax payment doesn't count as qualified spending, that's the reason I haven't got my bonus. 

I doubt this since I don't see this is mentioned in their service terms and I can see that many cases online showed that it does qualify. Examples : https : XXXX

Company response to consumer: Closed with explanation