BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  and Transunion Are both reporting an invalid late payment against me. The entity listed isnt even the correct state. I notified both credit reporting entIties and disputed the transaction. I provided a recent transaction statement which shows that the account is not late or past due whatsoever, directly from the ACTUAL STATE entity. XXXX ruled in the entities favor stating that they validated the debt. How could they possibly validate a debt that isnt correct when I have a current active transaction 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 2020-01-21
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-08-11
Company: JPMORGAN CHASE & CO.
State: MS
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: Card was charged for something you did not purchase with the card

Complaint:
I was the victim of a crime. Fraudulent charges were made on my card for around {$4000.00} XXXX XXXX and his sister XXXX XXXX threatened to kidnap my children, forced me to give them my information, and forced me to make these purchases for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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:
I have XXXX car loans that have been paid on time for XXXX years that are not listed on my report. I also get marked down for using my credit card, sometimes my score goes down and it says because I did not use enough credit available and sometimes it goes down and states that I used too much of my available credit. It seems that transunion only screws us, never giving good credit for good activity. My car loans are both missing from my credit reports

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 2020-08-21
Company: EQUIFAX, INC.
State: CO
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:
Equifax should not be reporting me as authorized user on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: LEXISNEXIS
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
LexisNexis is reporting fraudulent insurance claims in my good name I have contacted them to delete suppress and opt-out requests repeatedly. 
I have also asked LexisNexis for my consumer complete report LexisNexis has not shared my information with me at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-11
Company: EQUIFAX, INC.
State: IL
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 contacted Equifax several times without any resolution. I have explained that I am a victim of identity theft. I sent them my ID, police report & identity theft report & the accounts that I have explained are fraud accounts they ignore my request. I am asking that the following accounts be deleted as they are not mine, I did not open & don't know who did. THESE ARE FRAUD ACCOUNTS XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( several accounts ) & XXXX XXXX XXXX XXXX two accounts ) & XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
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:
I have a XXXX XXXX bill that I've gotten help to contact them and they are still leaving a debt on my credit that is not mine. Please do what you can to make sure they remove this from my credit report. It stopping me from buying a home at a decent rate.

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 2020-05-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX - Chase ( Marriot ) and Chase ( Amazon prime ) credit card.

I call these bank asking for help during Covid-19 hardship to ask for interest rate reduction or forgiven during pandemic and they totally refused even with escalation to managers.

According to Chase, the bank is offering Covid-19 " help '' for customers which are having hardship situations due to pandemic.

However their help is looks more like an scam where they offer to deffer the minimum payment for three months without fees, nor reporting to Credit report agencies.

To my family and I, this is not acceptable and incurred in more debt since they denied interest rate reduction or forgiven in order to avoid more debt.

The scam is pretty simple, if customer don't pay the minimum payment and the bank charge interest over interest, any customer will in trouble worse than before.

This is unacceptable during Covid-19 pandemic specially knowing that banks such as XXXX XXXX and others offers better HELP by not charging fees and zero interest rate during families hardship than this Chase bank scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a State income tax refund check from the State of Arizona Treasury in the amount of {$3600.00} on XXXX XXXX XXXX the branch manager said because it is from the Treasury department the funds should be available the next business day. 

I did a mobile deposit and now Chase is saying it's on a 10 day hold with no justification why.

All my deposits to chase have been placed on a 10 day hold. I can deposit checks with a different institution and it clears in a day. I'm not sure why Chase is violating federal laws on deposit hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian will not allow you to freeze and unfreeze your credit unless you pay them. I should not have to pay to have that done. I have paid before and now when I try to log in it will not let me do anything until I enter credit card info to pay for their service. I filled out the form and it said they could not verify my information I had to call. This is happening EVERY TIME I TRY TO LOGIN TO MY INFORMATION.

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 2019-08-11
Company: Experian Information Solutions Inc.
State: MS
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 inquiries on my credit report that is fraudulent and there are ssn on my credit report that is not mines and names on my account that is mot mines and accounts that is not mines

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 2017-08-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo offers a " Returned item and Deposit Details '' service to customers for a fee of {$3.00} per month, allowing customers to view copies of deposited check images in online banking. Their terms state that " This fee is charged only during a month when the service is used ''. This can be a useful service and tool, well worth the {$3.00} fee when needed. ( See page 24 of attached PDF, referenced as page 35 within the booklet ). However, this fee has occurred on monthly statements in which the service has not been rendered, or the service was used without our positive consent. A ) Wells Fargo should be forced to alert the customer with a pop-up that a click within online banking will result in a fee for that month. The alert should require positive consent from that customer that acknowledges the fee will occur that month. B ) If the check image is unavailable for viewing, the customer should not be charged a fee as no service has been rendered ( see attached screenshot ). I consider this similar to the XXXX scenario, where a customer must consent to a purchase prior to downloading an app/music.

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 2019-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 inquiries on my credit report that is fraudulent and there are ssn on my credit report that is not mines and names on my account that is mot mines and accounts that is not mines

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 2020-05-18
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX {$220.00} XXXX  XXXX XXXX XXXX {$100.00} US DEPT EDXXXX {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX XXXX - XXXX, XXXX   XXXX XXXX, XXXX XXXX and 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 2019-08-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: DISCOVER BANK
State: TX
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:
This was done the year of 2018, I had opened several credit cards. Lets start with the one from discover, it was meant for school purposes. but I needed to use it when I went on a trip for an emergency. little did I know a few charges where pending for school causing my card to be maxed out when I checked and thought I was in the clear. However, the card was still able to process beyond the amount that was on the card and the company hand blamed me. when the card should of been denied when being used, however it was not. so the amount exceed far greater the amount I could spend on the card. 

The other two card are from XXXX XXXX, this one was the shocking because I had entered my banking information to pay it automatically. but when the information was entered it said I violated my policy closing both my accounts. however, the violation was that I did not enter the correct Information from my bank, that is what I was told of this violation. Which made not sense to me. 

The other card I had was premier one card and that card was closed because I made to many payments in a month which made no sense to me. because I thought that is exactly what you are suppose to do for a credit card. However, they wanted more information from me through fax and which I did but never did because it was closed. 

The other card I Had was bank one. I made a payment and then they closed my account without my acknowledgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I receive calls and my family member on a daily basis for years now. The phone numbers use are many and sometimes they leave threating deceptive messages Yesterdays message on XX/XX/19 @ XXXX My name is XXXX XXXX I a.m. reaching out to you today as a courtesy and regards to documentation that was placed with me ______ your name and Social Security number I've been asked to review this matter and I wanted to give you a chance to provide a statement on your behalf prior to my recommendation being made it is imperative that I speak with you to discuss this matter further I can be reached directly at XXXX ___ I'm calling referred to file number XXXX XXXX The debts are over 4 years old and they continue to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-05
Company: AMERICAN EXPRESS COMPANY
State: NC
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 applied American Express Delta Gold card with a promotion bonus of XXXX by a referring Iink. I confirmed with its representative on call about the promotion bonus in early XXXX before I started to use it. I was told very clearly I could get the bonus after I met the purchase requirement. However I did not received the bonus after I met all the purchase requirement within 90 days. Then I contacted the American Express by online chat. I contacted them many times. They told me they needed 60 days to finish the investigation to find the recording between I and the representative. 

I have contacted them again today and they admitted that the representative shared the incorrect information with me. But they said they would not take any responsibility to its agents ' mistake regardless the fact I confirmed with the representative about the bonus. Just sorry and apology. I spent so much time on this issue which made me disappointed and felt to be treated as nothing by the their costumer service. I hope you could review the recording and the chat history between I and American Express. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: EQUIFAX, 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:
Equifax is reporting a duplicate acct on my credit file from XXXX XXXX that they have failed to validate..I have previously disputed this info 30 times with no relief in site... I would like equifax to follow the law and valid the acct or remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: JPMORGAN CHASE & CO.
State: ME
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I got a letter in the mail with a account summer of a chase account that I didnt open. Not sure if its a scam. I tried to call chase & they wouldnt comfirm or deny if I had a account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter today ( X/X/17 ) from Collection Bureau of America stating that I owe {$36.00}. It notes the Current Creditor as XXXX XXXX XXXX. The letter states that if I do not notify their office in writing within 30 days, they will assume the debt is valid. It then states that if I do not pay the debt within 30 days, they may submit a negative credit report to a reporting agency. It is signed XXXX XXXX, Debt Collector. I had never heard of XXXX XXXX XXXX before I received the letter. I 've certainly never had an account with them or owed them any money. After reading other consumers ' stories about Collection Bureau of America, I 've come to the conclusion that this is completely fraudulent. However, I am worried that they will submit a negative credit report like they said.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$100.00}

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