BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-03
Company: JPMORGAN CHASE & CO.
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX - WASHINGTON add a hard inquiry on my credit report per XXXX The report does not include information about the creditor. On XXXX. XXXX, 2019, JPMCB - CARD SERVICE add a hard inquiry on my credit report per XXXX  and XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12
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:
the company approved a credit line that is not mine and they are reporting it was a Collection/ late payment and that has my credit low

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 2019-02-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
One or more banks ( credit unions and mortgage accounts ) may have improperly reported the number of accounts opened, paid, closed, etc. by XXXX XXXX XXXX. However, attached is the correct account information that is requested to be provided to the Federal Service Desk ( SAM.GOV ) for registration purposes and in regards to having funds deposited.

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 2022-08-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
It is evident these issues are common but what is being done about it? The banks know our spend algorithms and bank on them by holding deposits for a length of time in which overdraws most accounts. I see contacting the CFPB has no impact on them, nor do they threat even the mere possibility of recourse. I question why do these jobs even exist when the case gets closed or even redirected to the FTC, which still gets nothing done?!?! Can I have a job??? I can do nothing really well. 
Look... I am a small business with great aspirations and future potential trying to make a way in life with minimal resistance, all I want is to be paid. Chase bank has received deposits every week from the same account for the last six weeks and still deems the account holder high risk. I know my money is small in nature and can't compare to the big boys but it's the little guy that keeps the wheels moving, I am posting this so everyone who shares similar experiences as myself will give up hope because nothing will ever be done, the CFPB, FTCXXXX XXXX XXXX  won't do nothing because nothing is in it for them ( this is my opinion ) My advice is run as fast as you can away from Chase Bank, they are a third party bank and don't follow same rules as everyone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29
Company: HOVG, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2018at XXXX  I received a phone call from XXXX XXXX XXXX XXXX. At this point in time we negotiated a payment plan of {$50.00} a month by paper check for 8 months until the debt is payed off, and to send me a bill each month. They agreed to the terms and I sent them the first payment. Since that point they have called my over 15 times, and have not sent me bills as per our agreement. They have cashed the first payment yet they still refuse to stop calling me. I have notified them when I sent in the payment that they were harassing me with non-stop phone calls in a letter I attached to the payment and the continue to persist in this harassment, abuse and annoying repeat phone calls from number XXXX  attached below is a list of my call log you can see for yourself how many times they have called me since the XXXX, sometimes multiple times per day ... repeated harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
This problem is with Coinbase, LLC ( www.coinbase.com ) On  XXXX   XXXX ,  2017 i trie d to transfer  XXXX    XXXX    from my Vault on their system, the transaction was not working and was stuck in a " Approval needed status, so i cancelled the transaction and recieved a confirmation the transaction was cancelled, however the amount was still subtracted from my balance putting me into a negative balance situation.     I Immediatly opened a case with coinbase support and have asked for updates daily since then with absolutely NO response from them and the account is still in a negitive balance situation.     i Hereby request that the  XXXX  transaction be removed since it was cancelled and should not be showing on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
We started using XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and on my credit report. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX XXXX, the Account is paid off. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is 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 2018-02-05
Company: Collection Management Company
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: Information belongs to someone else

Complaint:
To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... there is a company and several medical companies on my credit information with loans on my acct For commonwealth fiancial and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! There are four different times your company is listed for the amount of XXXX x4 on my credit please contact me regarding this matter as soon as possible where your company is hurting my fiancial life! Fraud Fraud Fraud Thanks XXXX XXXX XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Commonwealth Financial Systems, 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: Information belongs to someone else

Complaint:
To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... there is a company and several medical companies on my credit information with loans on my acct For XXXX XXXX and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! There are four different times your company is listed for the amount of XXXX x4 on my credit please contact me regarding this matter as soon as possible where your company is hurting my fiancial life! Fraud Fraud Fraud Thanks XXXX XXXX XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
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:
filed over 60 days ago print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXXDispute XXXXDispute XXXX XXXX XXXXDispute all violation proven by the FTC for Former and present violations

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 2020-05-13
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : CREDIT COLLECTION SERVIC # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: EQUIFAX, INC.
State: PA
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 open XXXX Amount XXXX account paid in full XX/XX/2018 For the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Netspend Corporation
State: MO
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:
Ok I've had a NetSpend card for awhile. When ever a charge I didn't authorize show up. It took weeks to months to get my money refunded to me, which brought on some battles. Happened again XXXX. We're arguing back and forth about getting my money back sooner on something that wasn't my doing. Talked to like 4 people before I got a little testy. I no sooner got one put back on my card. From XXXX, that night at almost midnight got hit again by a go fund me acct for XXXX. So I complained right the while I was still on the phone with NS. SHE WAS trying to get me to call back and dispute that one in a week. I said no it's pending, stop it now. Of course that couldn't be done. So had waited 20+ days and the fight was on again. So yesterday the XXXX, I was asleep it was before XXXX. And my phone starts dinging and going off. 6 yes 6 more charges were coming off my card still. Long story longer I then get a text they suspect fraud on my car and locked the acct and stopped my card. What little money I still had on my card for frozen too. So I'm broke can't get it off the card now. The person then informs me they mail me another card take 10 days, then we'll open me another acct after I get it. I said dude it was directly deposited to you guys and that acct. That you just froze and locked So where the XXXX is my money going to be deposited now. He tried saying to let them know when I get the check and they LL grab another card. I said really, how am I going to pay rent with no cars e and no clue where my money is going. So not having another account to put said money, I don't even know if there's enough time to get one open and try to figure out where it will be deposited, seeing how I have less than a week to do all of this hoping to catch idk who to catch my check in time. Or they can mail the check back and couple be lost for weeks. I didn't ask them to close that account without giving me time to get anything left off my card. I'm so done with them. I don't know what I should be doing they've got me, crying cuz I'm stuck don't know who to call nothing

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 2020-05-13
Company: EQUIFAX, INC.
State: MS
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:
Every time Equifax or the other two credit reporting agencies send me emails. " Improve your credit score with a new credit card with lower interest rate ''. When I do get a no interest card to consolidate, They always lower my score by many points because they only take the adding of a new Card and a new balance of the new card. They never give you a better credit score by ending the balance on the old cards. Why do they get to make money off of you getting the new card they say you should get, when it lowers my score and takes me months to get my score back where it was before they said it would help improve my score? Please try to send this to someone if your org. can't stop this false money grab they are doing. I am sure I am not the only one this happens to. 
Thank, you, be safe XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
OnXX/XX/XXXX I mistakenly paid XXXX XXXX {$3300.00} using pay online with XXXX XXXX XXXX. I had a {$0.00} balance with XXXX XXXX. The payment was meant for a different credit card. I contacted XXXX XXXX the next day to explain my error. They promised that the money would be credited to my XXXX XXXX XXXX account within 10 business days. I did not receive the money. I contacted XXXX XXXX and was told that my account was not valid. I explained that this is not possible. I did not provide any account information to XXXX XXXX they had it all on file. I still use this account to pay my bill. I was told that a check had already been mailed. That check never arrived. I contacted XXXX XXXX  again and was told that they had the wrong address. I explained that may be the reason that the credit did not go through. They refused to credit my account again and also refused to allow me to pick up a check. I explained my concern that I am paying interest on the account that I actually owe. They claimed that another check would be mailed. I followed up with XXXX XXXX and was told that the check should be at my home no later than XX/XX/XXXX. I have been out of town, but upon my return on XX/XX/XXXX there is no check here. I have made numerous calls to XXXX XXXX and at this point, I feel that I am being lied too. I recognize that this started as my error, but I do not feel that it should take 2 months to rectify.

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 2020-01-22
Company: CITIBANK, N.A.
State: CO
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:
I opened a citi visa Costco card to get the benefits ( 2 % refund and extended warranty on appliances ) in XX/XX/XXXX. Since opening the account I had issues. I signed up for auto pay and it didn't register the correct bank account ( I never had this issue prior ) so after my first payment did not go through I signed in and updated my bank account. During the next billing their system again went to the incorrect bank account number. I had to make the payment manually to avoid missing a payment. I called customer service and asked them to delete all back accounts and manually add the correct bank account number. 

My next billing cycle I was billed less than the full amount that was due and I was charged interest. I called to understand why only partial amount showed up as sure they didn't have an explanation and just refunded the interest charge. 
Now I just log in and manually make a payment before the due date because I don't think their system will accurately debit the full amount due. 

I brought this up to the company but nothing was meaningfully done. 

When I log in to view what is due and go to set up an early payment, I end up seeing two amounts, one on the main page and another as full amount due on the manual payment page. The payment set up page shows the full balance not just what is due from the previous billing cycle.

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 2021-10-06
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
I have made many calls to get this corrected Target Credit Care. 
I paid this in full in 2012

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: SYNCHRONY FINANCIAL
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, SYNCB add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2018-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
1. This is a complaint and a request for a cease and desist demand directed to TransUnion and XXXX XXXX XXXX XXXX for unlawful credit reporting and re-aging. XXXX XXXX hold no legal or equitable interest in my property, and the account is time barred. 

2. Whereas, the CRA is reporting obsolete information as to account # XXXX which was previous account # XXXX, and are continuing to unlawfully use the re-aged account for more than 18 month beyond the date the account was scheduled to be removed from my credit file. 

3. XXXX  and XXXX, In response to a previous DISPUTE, correctly deleting the time barred account. However, TransUnion chose not to REMOVE THE obsolete ACCOUNT from my credit file.

4. Failure to comply with federal regulations by TransUnion credit reporting agencies must be investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). TransUnion representatives are fully aware that they are operating in violation of the law to benefit a purported creditor.

5. Please be advised that according to TransUnion 's historical records and XXXX previous trade-line, account # XXXX has been intentionally misstated as XX/XX/XXXX, which is two full years pass the previously reported date of removal. 

6. As proof see ( EXHIBIT-4, TransUnion credit report number XXXX dated XX/XX/XXXX ). It clearly and specifically shows in their own historical reports that the " ESTIMATED MONTH AND YEAR THAT THIS ITEM WILL BE REMOVED : XX/XX/XXXX ''. 

7. TransUnion has a duty imposed by 15 USC 41, et seq. to follow it own historical records that legally require the deletion of the above reference account # XXXX automatically. See EXHIBIT-8, results of XXXX  dispute investigation, and the CRA 's removal of the obsolete account record. 

8. I have reason to believe that the present CRA is operating on behalf of the debt collector to the determent of the consumer in this case. Therefore, I ask this agency to force compliance with the FCRA, and to compel XXXX XXXX XXXX XXXX to immediately cease and desist as to any and all forms of collection, and that the CFPB takes action against the CRA and the debt collector for pursuing disputed, unverified and time barred debt.

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 2020-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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 contacted Capital One in regards to incorrect information on my credit report and they have not investigated my dispute. I have asked them for documentation on this account and have yet to receive it. They are reporting multiple inaccuracies, each credit bureau is showing different information. For example XXXX is showing date of last activity as XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. They continue reporting incorrect information on my report.

Company response to consumer: Closed with explanation