BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: Netspend Corporation
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX the complaint with I can not spin regarding it a transaction on my account books I did not authorize. Inform that's been a the transaction and that it was not me and that I filed the police report. During The dispute process the representative informed me that they would be contacting vsa, and the ATM the company that owns the ATM. I then had to wait 20 days, 20 business days Before I was eligible for an update on the dispute. So tueni business days had passed and I called nets been, and they decided that the outcome should be that there was no air. I asked how they came up with that decision they said they would email me the documentation and that was it. So I've been trying since XXXX a face to rectify this with that thin I've been calling almost every day for 2 weeks trying to get this rectified. I have called numerous times for several days since XX/XX/XXXX until today which is XX/XX/XXXX they have been promising me that someone from the corporate office would contact me that has not happened since XXXX the says come out they have promised me that someone from the complaint department will contact me and it has not happened. So now I am done trying to rectify this would nets then so I'm going XXXX follow complaint with the consumer financial protection bureau hopefully I can get some assistance and resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
paid XXXX for a procedure that was done incorrectly and caused injury and damage. the payments was split up between my chase debit card and two medical. credit cards went into chase in person to dispute. i had all of my documentation. i also submitted documents showing that one credit card had already credited my account and that I was disputing the false advertising and misrepresentation of the services. chase put in the dispute and took my documents on Tuesday XX/XX/2021.i was told that i had 5 business days to submit the second opinion medical letter stating that the procedure was done incorrectly .the 5 business day would have meant i had to have the documents in byXX/XX/2021. i was given a fax number to send the documents and a claim number. however 2 days letter i received a letter from chase stating that the dispute was denied because the charge was authorized. the dispute was for misrepresentation and false advertising of services, not an authorization dispute. also it was under the 5 business days and i had already paid XXXX to see an additional doctor to get the second opinion letter. when i called they stated the claim was denied because it was past 60 days. when i told them that i received a letter stating something different i was hung up on. when i called back they said claim closed and they would not accept any additional documents. i asked if i was just supposed to take a loss of XXXX. the representative stated yes!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: AMERICAN EXPRESS COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX I purchased a Bluebird American Express prepaid debit card. The cost was {$5.00}. On XX/XX/XXXX I tried to register my card online and what should have only taken 5 minutes ended up being close to an hour with no resolve. I entered the address where I wanted my card to be sent. The system stated that it did not recognize it as a U.S. postal service address. It was a U.S. Postal Service ( physical ) address that was registered for both business and personal use. I then used a home address that was also listed with the U.S. Postal Service. The system recognized the address but continued to delete the other information I had previously entered requiring me to enter it again and again. Everytime I entered the correct, necessary information and clicked the submit button, I would have to repeat the process over again. I made numerous attempts to register my card. It was extremely frustrating, not to mention the fact that there was no live customer service representative to help. I searched online and found the American Express credit card phone number. After going through several prompts I was finally able to speak to a representative about their card. Her name was XXXX. She took my card information and then gave me the run around. I told her that she was not very helpful as she never answered if customers were able to speak to a live representative through the Bluebird number listed on the card. I told her there was no way that I could speak to a live representative and that the automated system kept giving me the run around. When I asked if customer service was ever available at Bluebird she said that I would have to contact them to ask. How can I ask customer service if there was no way to connect with them through the automated system? When I explained that I could not get a hold of anyone she just kept repeating that I would have to contact them to ask. Being that I was unable to get any help from American Express, I went back online and tried to register again for about the 10th time. At that time a message stated, in so many words, that American Express was not able to offer me an account. I was hurt after spending my own money to purchase the card. I was unable to Register for no apparent reason. I was upset about the length of the process and the fact that I was given the run around. I completely expected more professionalism from a company like American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This company has a serious issue with bullying, retaliation and straight up lying to governing bodies. 

I have been reporting them to multiple agencies, multiple times for their behavior and they continue to lie and can not provide any documented evidence that they're claiming is the cause of their actions. 

After this private company decided as a business to use taxpayer funded dollars by calling the SDPD on me - while I had told them for a month I was out of the country- they have done nothing to rectify the situation. 

They have cost me $ XXXX in refi savings by " accidentally '' marking me late with payments during forbearance. 

I then worked with HUD to force them to offer me the CARES Act forbearance plan. It was good for 1 month, with agreed and signed contract that all the forbearance/ecrow debt would be added to the end of the term/lump sum lien that could be paid on refi. 

Today, they sent a threatening letter about insurance that I had already told them I had paid in full for the year while in the forbearance exit process. And today I went to check my statement and they increased my monthly payment by almost {$700.00} to " spread out '' the forbearance escrow payments. 

They completely went against the CARES Act and the contract WE JUST SIGNED AND SUBMITTED. 

This company needs to XXXX burn to the ground. Why are they continually harassing us, costing us $ XXXX, destroying my credit for " errors '' and completely changing the payments that we just signed a contract about! 

At this point, CFPB, and other governing bodies- this is your responsibility. You allow these people to operate like this. 

What in the world are homeowners expected to do in this situation? How much of this are we expected to take?

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 2020-06-23
Company: Experian Information Solutions Inc.
State: AL
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:
There are several accounts reporting incorrectly and there are accounts that are reporting as a result of identity theft. Please correct the following inaccurate status and remove the following fraud accounts : Incorrect Personal Information : Names : XXXX  ( XXXX  ) Names : XXXX XXXX XXXX ( XXXX  ) ; the correct is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX ( XXXX, XXXX, Experian ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX, Experian ) The following status is inaccurate on the following accounts : XXXX - Opened XX/XX/XXXX Balance : {$15000.00} I was never 90 or 120 days late XXXX - Opened XX/XX/XXXX Balance : {$0.00}. I was never 30 days late. 

The following accounts are a result of identity theft/fraud : XXXX XXXX  - Opened XX/XX/XXXX ( XXXX ) & XX/XX/XXXX ( Experian ) Bal : {$2800.00} XXXX ( XXXX XXXX ) - XX/XX/XXXX Bal : {$2900.00} ( XXXX  ) XXXX  ( XXXX XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX Bal. {$110.00} ( XXXX  ) XXXX - Date Opened : XX/XX/XXXX ( XXXX   ) & XX/XX/XXXX ( Experian ) Bal : {$3500.00} XXXX  ( XXXX  ) Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX  ) Bal : {$120.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) and XX/XX/XXXX ( XXXX  ) Bal : {$260.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( XXXX  and Experian ) Bal : {$810.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( XXXX XXXX Bal : {$160.00} XXXX XXXX - Date Open : XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( XXXX ) Bal : {$120.00} UNKNOWN - Date Open : XX/XX/XXXX ( XXXX ) BAL : {$100.00} UNKNOWN - Date Open : XX/XX/XXXX ( XXXX  ) BAL : {$360.00} XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX  and Experian ) BAL : {$1200.00} XXXX - Date Open : XX/XX/XXXX ( XXXX ) BAL : {$3500.00} XXXX  XXXX - Date Open : XX/XX/XXXX ( XXXX ) & XX/XX/XXXX ( Experian ) BAL : {$0.00} XXXX XXXX  - Date Open : XX/XX/XXXX ( XXXX   ) & XX/XX/XXXX ( XXXX  & Experian ) BAL : {$810.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX  and Experian ) BAL : {$2300.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX   and Experian ) BAL : {$1000.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX   and Experian ) BAL : {$0.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX  and Experian ) BAL : {$1700.00} XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) BAL : {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX ( 6 TIMES ) XXXX XXXX XXXX 2 TIMES )

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 2021-10-14
Company: EQUIFAX, INC.
State: TX
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:
In XX/XX/2020, XXXX reported the last payment of {$93.00} to them 30 days late in error. We contacted the company and they agreed in writing ( even providing a reference number ) that they would update my credit report with all three bureaus to show that it was never delinquent. I have a copy of any email from them to verify this agreement. They admitted to the error but my credit report was never updated. The AUD control number for the update request that was sent to the Nationwide Credit Reporting Agencies is ( XXXX ). Nothing was done by the credit bureaus. This has greatly impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 recently had a closed account with XXXX XXXX  XXXX XXXX reopened XXXX and then a derrogatory remark and a missed payment was placed on my report. I sent proof that the account was closed to transunion. I spoke with their attorney whom collects payments for the closed account after a judgement was recieved. 

the account has been closed for 2 years or better and it wasnt reopened by me nor by the creditor? Yet they reported this inaccurately and damaged my credit again. They also listed the account as a charge off and attempted to place it into collections? They are violating this law with my account ( XXXX XXXX  XXXX XXXX ) Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure sectionwhich is to provide for the protection of consumers against false and erroneousreporting. ... The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report.

A 609 letter is a letter used to dispute errors or other inaccuracies off your credit report after the Debt Validation letter process has been followed XXXXXXXX XXXX XXXX. It can be used to remove collections, public records such as bankruptcies/tax liens/repos/evictions, derogatory accounts, Closed accounts, Charged Off Accounts, hard inquiries, and late payments. Removing these negative items will help to raise your credit score. 

Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). 

The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report. Example : If you filed a suit against someone and you showed up in court with no proof against that person, what would the judge do throw the case out of court! Without documentation, the Credit Bureaus have NO right to list your personal financial information on your credit report. They are required by law to verify and validate every single account on your 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 2022-12-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$95000.00} and XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$100000.00}.

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 2021-10-14
Company: Experian Information Solutions Inc.
State: TX
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:
In XX/XX/2020, XXXX reported the last payment of {$93.00} to them 30 days late in error. We contacted the company and they agreed in writing ( even providing a reference number ) that they would update my credit report with all three bureaus to show that it was never delinquent. I have a copy of any email from them to verify this agreement. They admitted to the error but my credit report was never updated. The AUD control number for the update request that was sent to the Nationwide Credit Reporting Agencies is ( XXXX ). Nothing was done by the credit bureaus. This has greatly impacted 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 non-monetary relief
Consumer complaint received 2018-04-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was unauthorized. I am 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 explanation
Consumer complaint received 2018-12-10
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt collection on my credit reports that is not mine I have tried several times to get it removed Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX {$60.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
American Express is not allowing me to transfer some of my points points to an airline partner. I tried calling and finding out why but they are not providing any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: ASSOCIATED BANC-CORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, I made a payment of {$180.00} to XXXX  using the " XXXX XXXX '' system through Associated Bank. My statement shows is was taken and paid from my account on XX/XX/XXXX. On XX/XX/XXXX I called XXXX because my bill was due on XX/XX/XXXX and my online statement showed no paymen received. I Didn't want to be late so I made an additional payment of XXXX on that date, online. I spoke with Associated to see what can be done with this issue. I was told It was paid via paper check and it could take up to 10 days to post. The bank representative stated that if It has not posted I can make the second payment to XXXX  and if the check is received by XXXX  later, It would just be a credit on my XXXX  account, or I could wait 10 days and put a stop payment on the transaction. After a few days, I went to the Associated Bank office on XXXX XXXX and spoke with XXXX XXXX on this and another issue I was having with my debit card. When I spoke with him about the XXXX issue, He stated It was paid, not by check, but through electronic means. He said they would investigate. Today, XX/XX/XXXX, I received this email : XX/XX/XXXX XXXX, the service provider for XXXX XXXX with Associated Bank, processes the payments that you make through XXXX XXXX. At your request, XXXX processed the payment to XXXX  on XX/XX/XXXX for {$180.00}. However, after sending money to XXXX, XXXX could not withdraw the funds from your payment account. As a result, you owe XXXX for the money XXXX sent to XXXX  on your behalf. 


Your Bill Pay Service Has Been Suspended XXXX suspended your XXXX XXXX  service. You can not use most of the functions in your service, and no transactions will be processed. You must make other arrangements to pay any scheduled transactions. 


Reinstate Your XXXX XXXX Service and Avoid Collections Call XXXX at XXXX to pay the balance due, or notify XXXX within 30 days that you are disputing the validity of the payment to XXXX. XXXX can reinstate your service and answer your questions. 


Service Fees Any service fees associated with insufficient funds in your account for the payment to XXXX  will be withdrawn in accordance with your XXXX XXXX terms of service. Other standard processing fees may  apply. 


This email is an attempt to collect on a debt and any information obtained will be used for that purpose.

Company response to consumer: Closed with monetary relief