BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A banking error/fee problem exists with legally established guardianship account, I am the legally appointed guardian on said account. Unknown to me, on or about XX/XX/XXXX, the banking institution decided to place a block on the account, preventing account transactions. The banking institution is already aware that the individual listed on the account ( XXXX XXXX XXXX ) has passed on XX/XX/XXXX. On or about, XX/XX/XXXX, a monthly pension payment was deposited in the aforementioned account. The union has attempted to recoup this payment made by mistake to this account, however, has been unsuccessful due to the block placed on the account. On or about, XX/XX/XXXX, the banking institution has started charging a $ XXXX   monthly fee based on minimum balance requirements not being met. Be advised, that since the primary account holder has been deceased that this amount needs to be refunded. Further, service charges should not post to the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-06-10
Company: TRANSWORLD SYSTEMS INC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have filed a police report back in 2019 in XXXX and notified the credit bureaus i did not apply i did not know of or have any knowledge of this account it was for an apartment complex called XXXX XXXX apartments i never lived there i never applied this debt is totally unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, I deposited a check issued to me by the XXXX XXXX XXXX XXXX XXXX  XXXX in the amount of XXXX into my Wells Fargo Everyday Checking Account. I followed up a week later because the funds were not in my account yet. I had a problem with them in regards to the check I deposited last month from the same entity for XXXX. I was assured after that problem was settled in XXXX that I could deposit checks with no further issues. That was not the case! They declared the check I deposited on XX/XX/XXXX counterfeit without verifying the account or availability of funds! They didn't even submit it for payment!!! Some XXXX in their risk management department marked it counterfeit so they kept my check, and refused to give me the money. After multiple calls to and from them, they keep telling me the check is counterfeit and I keep telling them they are wrong and they need to either submit the check for payment or give me the check back. They refuse to do either. The first few calls I was civil but stern because of the ridiculousness of the situation. After that, I was fed up & dismissive. To this day, this is the 6th person I've talked to, I told them they need to submit the check and gim me my money or give me the check & how this is ridiculous because I deposited an identical check with a different amount last month and that one was verified, submitted & paid after a 3 week, unnecessary hold & a lot of XXXX & phone calls. I have contacted the XXXX XXXX XXXX to cancel & reissue a new check. They are in the process of doing it & it will take almost a month! This check is to reimburse travel that was charged on my credit card which has a very high interest rate, I am now going to have to pay additional interest because of Wells Fargo 's stupidity. JUST TO BE CLEAR, WELLS FARGO NEVER EVEN CONTACTED THE XXXX XXXX XXXX TO VERIFY THE VALIDITY OF THE CHECK. THEY ARE DECLARING IT COUNTERFEIT OF THEIR OWN OPINION WITH NOTHING TO PROVE THEIR CLAIMS!!! They should not have the power to declare checks counterfeit and confiscate them without having to provide concrete proof. At very least they should be forced to refuse the check by mailing it back to the consumer and advising them why. I was sent a letter and a photocopy of the check. The photocopy didn't have any marks or examples of what made them declare it counterfeit. Just a simple photocopy. The letter did not state what reasons they are using to classify it as counterfeit either. The customer service reps don't know either. They simply say it's counterfeit whether I like it or not and I need to contact the maker of the check. It's downright ridiculous that they are allowed to treat people like this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with account listed under Ability Recovery Services I requested a validation on XX/XX/2019 as this was an account that I did not recognize but should have been covered in full by Medicaid. I reviewed my credit report again on XX/XX/2019 and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me and not being paid. I do not believe the account belongs to me as it should have been paid by Medicaid nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct and that the charge is not covered in full by Medicaid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
CAPITAL ONE Attn : Consumer Dispute XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Re : Account # XXXX=>I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. 

Dear Executive Manager ; I was shocked when I reviewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : XX/XX/XXXX DAY LATE  PAYMENT I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I |thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time. 

I do ask in light of the good standing relationship we have that you remove any late payments from my credit report and refund me any late fees that were added to my account. I do not believe it is accurate. 

I would rather not have to spend more time than necessary for both of us to resolve this situation so I was hoping that instead of escalating anything, that you could help me with this and report me as being 100 % on time. 

I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past. 

Thank you! 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-25
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Lvnv Funding LLC tried to collect on a debt that wasn't mine. I had to take them to civialm court. The debt was dismissed in court as not mine. They are still reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting that I was 90 days past due in XX/XX/2019. I called XXXX  several times to modify my loan due to my employement status. I sent the documents in multiple times and they state they never received anything until XX/XX/2019. I also sent certified letters to their office in XXXX XXXX, PA that they stated they never received. My loan was modified and brought current and they have not updated my credit report to reflect this. I supplied all the information several times and they state they never received anything. I have the certified mail that was signed for. I have also read that several other students have had issues similar to mine regarding documents. I want the credit report fixed to reflect current status from XX/XX/2019. I have made several attempts over the past year to try and get this resolved and nothing has been 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 2019-01-30
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was referred to apply for my Amex Gold card on XX/XX/2019 and was advertised that after spending {$2000.00} within the first 3 months, I can receive XXXX Membership Reward Points. But after I met the spending requirement, they refuse my sign up bonus with no specific explanation, stating that I misuse the rewards program which I never have done so. Besides this, I also do not receive my 20 % restaurants purchase for up to {$100.00} statement credit. 

Before I applied for the card I have only had a Delta Gold account with Amex and never closed it or downgrade it. I use it to purchase tickets from Delta occasionally and it was very helpful to save my checked bag fee. I loved Amex cards so I decided to apply for Amex gold to use it for restaurants and grocery purchase as well. But in the end, this turns out to be a quite disappointing experience. 

Also their customer service also gave me misleading information, I called them many times, some told me to rest assure because I need to wait for about 8 weeks for my welcome bonus to be posted, but in the end, they were just declined with no clear reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
I have been disputing the date of first delinquency with Wells Fargo and all of the credit reporting agencies to report the actual date of first delinquency. 
I received a copy of my credit reports from XXXX, XXXX and XXXX, and found reporting errors such as the date of first delinquency  and month and year to be removed. 
The reports shows first delinquency XXXX and then shows that the account will be removed on XXXX which is inaccurate reporting. On the reports, the Account history with status codes show that the first delinquency was on XXXX. 
This error would leave the account on my credit report for more than the reporting period per the Fair Credit Reporting Act ( FCRA ) of seven years. 
Per the FCRA the latest that the account should be removed is XX/XX/XXXX, not XX/XX/XXXX. This would leave the account on my reports for over seven years. 
I would like to have this error corrected. I am including a copy of the credit report page as corroboration and review for correction. 
I have spoken with XXXX XXXX, Executive Resolution Specialist, Customer Care and Recovery Group from Wells Fargo and e-mailed her the corroborating proof of the date of first delinquency so that the correction may be made to all of the credit reports so that the negative information will be removed within the FCRA time frame and received a letter back stating that it is being reported correctly. 
XXXX XXXX also states in the letter hat the account was past due from XXXX through XXXX of XXXX, which corroborates my complaint, but does not correct it.

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 2021-12-02
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Scammers called my bank and informed them that I had lost my debit card and change my address to their. These are the same people that scammed me out of over XXXX They continue to harass me.telling me that the police can not do anything because this is not a criminal suite but a civil suite . NO one will help me I have contacted XXXXgovernment entities to my dispute I am on my own.

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 2021-12-02
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: Investigation took more than 30 days

Complaint:
I have been working on my credit for almost a year and have been sending disputes to experian, XXXX, and XXXX since XX/XX/XXXX but, as of today ( XX/XX/XXXX ) I have yet to receive one letter back from any of the credit bureaus. I don't understand how these people can ignore the law so blatently and how you, the government, which works for me and from my tax dollars refuse to do nothing. I have sent the credit bureaus dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That's 6 seperate disputes 45 days apart to each of the 3 bureaus and NOTHING back, not a peep! How are these companies allowed to function and circumvent the law this way! I have spent almost the entire year sending dispute letters with not one letter back! I want you to do your job and force the credit bureaus to obey the law, the fair credit reporting act clearly states that if the credit bureaus do not do their job and complete their investigation within the proer guidelines, they are supposed to delete the disputed information from my credit reports. Please have experian delete the incorrect social security number ending in XXXX, incorrect social security number ending in XXXX, and have experian, XXXX, and XXXX remove the following incorrect XXXX from my credit reports : XXXX BANK, XXXX XXXX BANK, 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 non-monetary relief
Consumer complaint received 2019-05-13
Company: I.C. System, 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 C System Original Creditor : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX ( XXXX ) XXXX Amount : {$1000.00} I have disputed this entry for I C System for several months. I have repeatedly asked them to send me a copy of the signed, exclusive contract between XXXX XXXX XXXX and myself for repayment. The only responses I've received were statements for payment. I've sent correspondence on XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019.

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 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
All 3 credit bureaus have remarks on my report that Ive been 60 days serious deliquincy. I have never been late on any of my accounts in over 5 years. I have tried to dispute this remark with all 3 credit bureaus but have gotten nowhere.

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 2022-01-10
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:
None of the accounts below belong to me. 
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 2019-01-30
Company: Comerica
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Fraudulent activity on my account, missing {$580.00} that was not authorized, by me.I called the company, to report the unauthorized activity, on XX/XX/2019. Company informed me, they could not stop the transaction in the middle of it happening, and to call back in 5 days.I then called them back in 5 days, on XX/XX/2019. I said, " I enjoyed the XXXX XXXX  music, while on hold, but want to authorize them to file a dispute, with whoever it was that took money from my account, without my authorization.I was told that they could not hear me. I know I was being heard, nothing was wrong with my phone. They said, since they could not hear my response of authorization, to have a nice day, and hung up on me. The company name, is as followed ; XXXX XXXX @ XXXX. I spoke with, customer service, representative. Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-03
Company: EQUIFAX, 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:
Late payment for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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 to the Fair Credit Reporting act. The list of accounts 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 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. 
XXXXXXXX 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 : 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 2021-12-02
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave Department of Education/Navient any written consent to report anything on my consumer reports. no consent is identity theft. 

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation. Any credit transaction suppose to be excluded from a consumer credit report if a social security card was used in the transaction.

According to 15 U.S. code 1666b the timing of payments, Department of Education/Navient is in violation to my consumer rights. Reporting any late payments on a open-ended consumer credit plan is illegal. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any purpose.

Company response to consumer: Closed with explanation