BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
After getting calls from collection companies and receiving mail for incorrect bank accounts that were open in my name and seeing incorrect addresses shown on my credit report is when I realized that someone has access to my personal information. I had a fraudulent bank account with XXXX XXXX that was opened in my name. I immediately contacted the bank to have it immediately closed. I also had fraudulent medical accounts also opened in my name which is also incorrect, I have had medical coverage for the past 11 years through my current employer and all my medical payments are up to date with no pending medical charges. My name is being reported incorrectly with a middle initial which is also fraud. Someone is ruining my credit by adding addresses that I never lived at, incorrectly obtaining medical assistance, incorrectly obtaining cell phone lines, incorrectly opening bank accounts, incorrectly processing credit which is fraudulent causing inquiries. I have no knowledge of what or who this could be.

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 2018-01-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter in the mail stating that all my credit cards have been closed as of XX/XX/2018. I have no idea why. all my accounts are in good standing, ive never missed a payment, and i havent done any illegal activity whatsoever. I was stunned for this to happen to me. This is just a case of pure bullying by someone who has more power than me. now, i am without a bank account of any kind, and i am missing all the lines of credit that were available to me. How am i going to keep up with my daily expenses? I have no idea ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On X/XX/2017, two charges were made to my PNC account from XXXX. One was for {$9.00}, which brough my balance to {$2.00}, and the other charge was {$3.00}, which brought my balance to negative {$1.00}. I was then instantly charged a {$7.00} 'service charge ' by PNC . So my account was overdrawn by {$8.00} after this service charge. I did n't immediately take care of the problem as I have moved states, and was traveling/busy over the next two weeks. This is my mistake. I received a call on XX/XX/XXXX stating that my account was now {$170.00} in the negative. So because of one overdraft charge, and then the bank 's own fee, I owe nearly {$180.00} for going less than two dollars negative. The punishment I received does not match the crime. It 's like executing someone for stealing a loaf of bread. <P/>So I paid it off after unsuccessfully attempting to have them be merciful, and asked them to close my account. Never use PNC. Use a mattress. A mattress wo n't steal from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Experian Information Solutions Inc.
State: MD
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 feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall being late. I need this problem fixed ASAP, I will not wait another 74 days to receive no response because clearly Im being ignored. I demand this accounts be updated immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove/update items from my credit report, it has been 74 days so they should be updated to pays as agreed promptly.

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 2022-10-03
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase Credit Card offers Chase Offers on their credit cards as a Cash Back incentive to spend money. You have to tap or click on the promotions which gives you a green check mark on it. You have to use that particular credit card. Then you make a transaction with the retailer offering that promotion. 

I have the Chase XXXX card which contains an annual fee of {$95.00}. I tapped on the XXXX XXXX  and XXXX XXXX Chase Offer promotion before making the transaction. It expires on XX/XX/2022. " See full offer details & terms below '' " Earn 15 % back on your XXXX XXXX stay when you spend {$100.00} or more, with a {$38.00} back maximum ''. On XX/XX/2022, I approved XXXX charging my Chase XXXX XXXX {$240.00} for one night at XXXX XXXX and another night at XXXX XXXX. I should receive {$76.00} cash back. I made the transaction before the promo expired. 

First attempt, they said that I didn't activate the promotion. I did and shared screen shots as proof. Later, they responded saying the back office marketing team doesn't approve this promotion. 

Second attempt on XXXX, I told them that I uploaded valid proof of the issue. Before making this charge of this promotion is confirmed. They said they have no record of this call and only record of another dispute matter. They told me that they can put in another request but doesn't guarantee any outcomes. I spoke with Chase Credit Cards supervisor and can't go any further than that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: TN
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:
Im a victim of identity theft and I have been trying to get fraudulent information off of my credit file. Have reached out to companies and credit reporting Agencies. The refuse to take off fraudulent accounts and refused to show proof that they are my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Made a wire transfer on XXXX XXXX to the company funds still not available in the account I have with them. Only automated responses from customer service last one was on XXXX XXXX. Asked my bank to initiate a wire recall but they cant get in touch with the company either. Would like the funds either in my account with them or reversed to my bank account as soon as possible. Case number with the company is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: EQUIFAX, INC.
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:
I initially co-signed a loan for my son in 2015. That car was eventually totaled in an accident. When my son bought a new car from the same dealer, the dealer submitted my credit information without my consent or signature. ( account # XXXX ) When my son missed a payment late last year, it negatively impacted my credit score. I filed a dispute early this year which was rejected by XXXX. I contacted them directly back in XXXX, and they admitted that the dealer fraudulently entered my credit info, and that they'd call back in a few days and have it removed from my credit history. I've never received a return call, and the negative information still appears on my credit bureau. I called and after a 30 minute hold, I was just told by a supervisor ( XXXX XXXX ) that it's still being investigated and that he'd submit the complaint again, but there's not much more he can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: SYNCHRONY FINANCIAL
State: MA
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:
To Whom It May Concern : The creditor SYNCB/GAP, did not present a contract ( VERIFICATION OF DEBT ) as requested in XX/XX/XXXX 2017. Also, one complaint has already been made with no resolution. The creditor has reported an inaccurate and unverifiable derogatory mark with all 3 credit bureaus. SYNCB/GAP, failed to provide the required verification of debt within XXXX days of receipt of the initial CFPB complaint that was received, which is a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Proper verification is a signature and verification that I have a contractual obligation to pay them as the Debt was written as loss to the creditor. For purposes of this subdivision, reasonable verification shall include documentation of the name of the original creditor, the name and address of the debtor as appearing on the original creditors records, the original consumer account number, a copy of the contract or other document evidencing the consumer debt, and an itemized accounting of the amount claimed to be owed, including all fees and charges. I am again stating that the debt is not mine and that no proof of my signature has been provided to verify this 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 2017-07-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item twice previously and advised this was not my debt and I wanted to see the contract from the original debtor. All I keep receiving in the mail is a general statement showing how much is owed and who it is owed to. They refuse to send me the documentation I am asking for and I have no knowledge of this debt. The debt has been placed on my credit report for all 3 credit bureaus. I would like this debt to be removed unless they have a valid contact from the original debtor showing I signed or authorized this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have retained an attorney who has se nt two ce ase and desist letters because they continue to contact my minor child. Those were signed for by someone at the company on  XXXX   XXXX  and  XXXX . However, the calls continue.

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 2022-10-06
Company: Professional Debt Mediation, 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 status incorrect

Complaint:
Please see documentation for dates and times. 

I reached out to PDM to inform them that I was receiving a federal grant from XXXX through XXXX to prevent homelessness, and that I was looking to have this account paid in full and deleted from my credit report. I was then told by my caseworker at XXXX that she would need a W-9 fromXX/XX/XXXXXXXX XXXX I called XXXX XXXX and asked them for it and got an extremely unprofessional response from both women one XX/XX/XXXX XXXX. She stated they cant give it to me and I had to further explain that I was trying to pay this account through a federal grant program. She then goes on to say we dont work with any grant programs. Finally after having her be so nasty with me I was able to get her to tell me the PDM has to be the company who sends the W-9 and takes the payment. I also had her email me the full ledger and balance and told her that I would be contacting PDM for the W-9 to be sent. 

I reached back out to XXXX at PDM ext. XXXX not too long after, only to hear that XXXX XXXX had just called and told him they wanted to settle my account for 50 % which is something I NEVER asked them to do and my every intent was to have this FULL BALANCE paid so that it will be DELETED. XXXX had his manager send the W9 form to my caseworker at XXXX. By the time I was able to speak with my caseworker she had already submitted the application for the grant with the settlement amount so the grant only paid half of the balance. However I do have a paid in full letter stating that I have a XXXX balance, but this was misuse of the government funds and still leaves me in the same situation ( homeless ) because its not been DELETED as it should have been. The calls were ALL being recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: AMERICAN HONDA FINANCE CORP
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:
I have several hard inquires, in which I have never applied for these auto loans. I was not aware that someone used my social until I checked my credit score and seen XXXX inquires that I have n't applied for. XXXX XXXX XXXXXXXX, American Honda, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XX/XX/2021 I contacted Experian, XXXX  & XXXX  notifying them the addresses they have on record are outdated & incorrect. I sent them personal identifying information and proof of address, as well I mailed the letters from my current address. I have recently pulled my credit report again, and the incorrect addresses are still listed on my record.

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 2019-06-13
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Navy Federal Credit Union agreed to a settlement for less the owe amount. They report correct what I had paid to settle the XXXX accounts and the balance and past due balance were update to {$0.00} due to the settlement that was made. Now, XX/XX/XXXX they are reporting to the XXXX credit bureaus a balance and a past due balance amount. I reached out to Navy Federal Credit Union on XX/XX/XXXX spoke with XXXX XXXX advising that the balance they are reporting is inaccurate and she advise that would handle the dispute one they receive it from the 3 bureaus. I did not get a resolve with the company even though XXXX XXXX is the same agent that took my payment on XX/XX/XXXX to settled the account. How can they report the correct information on XXXX & XXXX of XXXX, then in XXXX report a balance and a past due balance when they agreed to the settlement which would in turn close out this account and cease further collection activities. This had drop my score and I very upset with how Navy Federal Credit Union treat this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
- I signed up for a day-trading course from XXXX XXXX XXXX, with the agreement of ( 4 ) payments of {$140.00} which is {$580.00}, using my Bank of America credit card. After ( 1 ) month of making ( 4 ) weekly payments, I received another charge from XXXX XXXX of {$190.00} that was charged on my BOA credit card again. 

- I reached out to XXXX XXXX via email - who told me that the {$190.00} was charged because I failed to cancel the service before ( 30 ) days. I explained to XXXX XXXX that I assumed that I was purchasing an individual product and not a subscription service ( as the company offers both of these, but the individual product does not expire and the subscription service does ). The company sent me back a lengthy and clear listing of their terms and conditions, which clearly showed me that the product that I purchased was a subscription service, and if I did not cancel within ( 30 ) days a monthly charge of {$190.00} would apply. 

- However, these clear and concise terms that XXXX XXXX provided me, was very inconspicuous on the email ads that was used to entice me to purchase the service. Specifically, XXXX XXXX used a browsewrap having only a hyperlink disclaimer that was located way below the ordering link, in which there was no reason for me to continue to scroll down to see it. Legally, this type of unreasonably difficult to locate terms and conditions is not valid, binding, nor can it be enforced. 

- On XX/XX/2018 I disputed the charges with BOA ( 4 ) {$140.00} charges as the service was not even working while I attempted to use it and overall I was completely dissatisfied with the service because it was not what was offered to me and I also disputed the {$190.00} charge as this was not even authorized. These charges were reversed and was I provided a credit by BOA, I received a letter from BOA days letter explaining that the dispute was under investigation, and I may need to provide evidence if the merchant disagreed. Shortly after, the charges were applied back to my account.

- However, BOA failed to send me a written explanation as described by the fair credit billing act. I only became aware of this by calling to make a payment on my account which was much longer than the 10 days that the investigation was convened. I still reached out to BOA after finding these unbeknownst charges being reapplied to my account, but because the investigation ended more than 10 days, BOA denied even reading or reopening my dispute case.

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 2019-02-13
Company: EQUIFAX, INC.
State: MO
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 plagued for months over the following accounts inwhich I've repeatedly requested to be blocked from my credit report due to the fact that I do not have any relationship with the following creditors, ( 1 ) XXXX XXXX, {$0.00}, ( 2 ) XXXX XXXX XXXX, {$26000.00}, ( 3 ) XXXX XXXX XXXX {$1000.00}, ( 4 ) XXXX XXXX XXXX, {$920.00}, and I yet to receive my request for the Method Of Verification inwhich your company / companies has conducted, who, when, where, and how did the above accounts get considerated verified, please send me physical documentation of your verification. Or as stated in the FCRA if the accounts are not being verified by physical documentation then they shall be blocked, deleted, and/ or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: BARCLAYS BANK DELAWARE
State: TX
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: Overcharged for something you did purchase with the card

Complaint:
" I have an overcharge of {$250.00} on my current balance. I do owe {$480.00} for purchased transactions as of past XXXX statement XXXX. Upon review ... ..here 's the breakdown ; as of XX/XX/XXXX, my purchases amount totaled {$440.00} minus refund from XXXX XXXX of {$94.00} and my payment credited {$150.00} on XX/XX/XXXX. Then, i subtract {$240.00} minus {$440.00} with a remaining due {$190.00}. I submitted another payment was made in amount of {$440.00} on XX/XX/XXXX. Transactions from XXXX and the XXXX XXXX totaled {$930.00} minus that payment of {$440.00}, credits/refunds of {$2.00}, {$11.00}, {$27.00} as of current period ending XX/XX/XXXX. Current balance owing is {$480.00} and NOT {$730.00}. Please reView and adjust my account immediately. ''

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 2019-02-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed inaccurate reporting of a Bankruptcy on my credit report with Equifax more than four times. I filed for Bankruptcy and was discharged XXXX. It should no longer be reporting on my credit report. I am continuously told they have verified this bankruptcy which can not be accurate. 

DISPUTES DATES AND RESULTS 1. XX/XX/XXXX - One account Deleted 2. XX/XX/XXXX - Four accounts Deleted 3. XX/XX/XXXX - Equifax initiated a Fraud Alert on my credit file. 
4. XX/XX/XXXX - One account Added back 5. XX/XX/XXXX - Request for Method of Verification

Company response to consumer: Closed with non-monetary relief