BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-02
Company: JPMORGAN CHASE & CO.
State: MA
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:
XX/XX/19 - I went to a pizza restaurant called XXXX XXXX XXXX XXXX XXXX, located in downtown   XXXX, Massachusetts. My total was {$11.00} and I tipped {$1.00} at the cashier. 

XX/XX/19 - After my pizza transaction posted, I noticed that the amount was for {$110000.00}. It appeared that the pizza cashier had fraudulently entered the pre-tip and post-tip transaction amounts as one amount. This was greater than my ~ {$32000.00} credit limit with my Chase credit card. I called the merchant and they were shocked. They immediately processed a return. I then called Chase and explained to them what happened. The agent let me know that they could see the return and that it would process soon. 

XX/XX/19 - My billing cycle ended before the return was processed. My outstanding balance totaled XXXX {$110000.00}. This was many times greater than my credit limit, yet Chase still allowed this transaction to process. 

XX/XX/19 - The return from the merchant was processed. My outstanding balance returned to the appropriate amount. 

XX/XX/19 - I checked my credit score using the XXXX XXXX XXXX  app and the Chase Credit Journey tool. Both showed a credit score in the high 500s. This is 200+ points LOWER than my credit score had previously been. I called Chase to report this and they asked me to call back the following day when the credit specialists would be available to take a call. 

XX/XX/19 - I called back and the credit specialist said that they would send an overnight letter to the credit bureaus detailing my updated outstanding balance. I am not certain that this will " make me whole '' in terms of my credit profile, as there may be historical components to credit score calculations and the erroneous $ XXXX transaction is not being expunged from my record entirely. Instead, Chase is just updating the current balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I am a XXXX citizen. I have been a victim of identity theft. My cell phone number was stolen and transferred to a new cell carrier. Then the scammers contacted all my credit card companies to obtain new cards with the changed info. They were able to obtain my XXXX and Bank of America cards. They changed my contact information so that now I can not access my own accounts. For my XXXXXXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX., I called the fraud dept and they took my new information and cancelled my old cards no problem. They assured me I'm not responsible for the fraudulent charges. The only trouble I have had is with BANK OF AMERICA. They refuse to even confirm there are unauthorized purchases on my account, they will not share any information about my card, or close my account unless I PHYSICALLY GO INTO a Bank of America with 2 forms of ID. I live in XXXX XXXX, Colorado. Nearest Bank of America is XXXX miles away. I am a senior and can not complete that drive. I'm fearful of the charges being made on my account with no way to resolve it. Today, I received a letter in the mail from Bank of America. They said there is suspicious activity on my card and they've been trying to reach me. I have been calling them everyday, and they have refused to take any action. So, I called them again today XX/XX/23. They said the address on my account was now listed as Florida. But, I live in XXXX XXXX, Colorado and their letter was sent to my long time address there, they customer service person couldn't explain why. Each customer service person I have spoke with is not interested in helping me resolve this issue,. Not only are they not concerned about the impact on me, their long time customer, they are rude, and uncaring. I have offered to go to the police to provide proof of my identity, or the postal office, or another reputable bank in my town, all offers we denied. I feel these practices are predatory for seniors and people in rural areas. Again, I haven't had this trouble with my other credit card providers, who have been cooperative and understanding.

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 2022-09-10
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a checking and savings account and was later denied due to something on a consumer credit report. I provided adverse action letter via certified mail and no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Dear Sir/Madam ( ref previous id # XXXX ) I thank you for following up the problem with opening an account with HSBC bank and to let me know their respond. It is not yet clear which of the following items or anything else made the bank unable to open an account for me and my wife. Has there been any problem with my : a.USA legal permanent resident ID card b.XXXX XXXX XXXX ID driving licence c.USA social security ID card d. Our age e. Our income level f. Our retirement g. The forms which we filled with teller help and signed h. The oral conversation and answers we provided or any other information, would the bank please make it clear what made them unable to open account for us

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 customer service

Complaint:
A month ago I requested statements for my card XXXX to XX/XX/XXXX and XXXX to XX/XX/XXXX I can not access on website in my account beacuse only displays XXXX Please forward me copies og the above so I can reconcile with airlines my vouchers due to Covid

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have been a member in good standing of PayPal since XXXX. I do not have any chargebacks nor any complaints. Out of the blue on XX/XX/XXXX PayPal decided to put a permanent limitation on my account. Essentially freezing all my funds and not allowing me to use their service anymore. 

What I would like to know is what do they think I did? I reviewed their Acceptable Use Policy and can find nowhere that I have violated it. They are holding over {$2700.00} of my funds that I am not able to access for six months. I need this money so that I can continue running my business. I do not think it is fair to banned me from PayPal especially when I have not committed any crimes. 

I contacted PayPal and told them I would like to start an appeal. All they did was send me back another form letter saying that I violated their acceptable use policy but did not indicate what specifically I violated. There have been many, many other people that have been terminated under false pretenses all over the world. This is a common complaint about PayPal. 

Again I have no complaints against me, no chargebacks and Ive had zero issues with PayPal from the beginning. 

I am a small business owner and it is unconscionable that PayPal without warning, decides to hold my business and my money hostage. If you can please look into this I would be very grateful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
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: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-10-06
Company: ACIMA CREDIT, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Failure to follow the following 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S code 1681i ( 5 ) violation of permissable purposes I did not give written consent to report this type of account to my credit report 15 u.s 1692 communication in connection with debt collections

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit act PORTFOLIO RECOVERY # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was an authorized user on a capital one credit card for my husband, I called capital one and asked to be removed as an authorized user and they agreed to do so back in XX/2017 it was never done. I then called again when I still saw the account on my credit report in XX/2017 and was told by agent that she was removing me that I was never removed as an authorized user on the account and that she was going to put in a credit bureau dispute to have the trade line removed from my credit report since it was preventing me from purchasing a home. I called today after filing a dispute with XXXX the only bear au that it is still reporting on and was told that there was nothing that they could do and admitted that it was reporting incorrectly since I had been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Propel, Inc.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023, my account Providers from XXXX Bank the reason that they close my account because they said that we wouldnt be a match for my banking needs which is a lie. I do have all the proof from them that they promised me a refund and you keep giving me the runaround my refund was supposed to be a total of {$1200.00} plus another {$53.00} and change they have not cooperate with me. Theyre not trying to give me a refund Ive called them so many times and at this point I am really ready to sue them so they can refund me my money so I do have all the proof you need I will send you the proof so youll see what kind of people they are they are scammers and they are stealing everything that I took. I had disputed with them and they keep giving me the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, 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:
XXXX auto loans were established using my credentials without my authorization. These accounts were opened fraudulently with XXXX XXXX formally known XXXX XXXX  I have reached out to this company regarding the fraudulent negative reporting on all 3 credit bureau agencies and there has been no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2018-05-22
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Received a letter from the collection agency, saying I owed them {$570.00} for an alleged account with XXXX on XX/XX/XXXX. On XX/XX/XXXX I mailed a certified letter, which was received and signed for on XX/XX/XXXX requesting information to validate the alleged debt. The things I asked for are things that I am by law able to request, and the collection agency must provide. I have yet to receive any of the documents I equested that are required by law to validate the account. It is well over 30 days, almost 60 days past the required time period that the collection agency must respond per FDCPA, and FCRA laws. I have contacted the agency multiple times, and get no cooperation from them. I have every phone call documented with names, dates, and times. XX/XX/XXXX told by rep from the agency that they cant send any other documents besides the bill from XXXX. Stated they did receive my certified letter, but they have been waiting on their client XXXX to respond with the appropriate documents. Transferred me to a supervisor ( name documented ) so I left a message for her to call me. 
XX/XX/XXXX Supervisor *XXXX XXXX XXXX XXXX XXXX called me back, was very rude, and told me that they sent a copy of my last bill to me, and that is proper validation ( which I havent received ) I called XXXX ( name, date, time documented ) and they are not able to pull up any account information with the account number that is listed on the collection letter sent to me by Southwest Credit . XXXX isnt able to verify any of the information required by law. They cant verify anything, I was told that they arent able to pull up any statements, or any balance that may be owed. Rep from XXXX told me the account with collection agency will be deleted, a ticket was submitted for deletion. After this, I have checked daily with the collection agency to see if the account ha been deleted yet, and they tell me it hasnt. Called XXXX back XX/XX/XXXX spoke with Rep ( name documented ) stated the collection agency has all the info needed to delete the account. This is clearly a zombie debt, that can not be validated by the collection agency OR XXXX, yet the collection agency wont delete this account from my credit. This is a clear violation of Fair Debt Collections Practices Act, as well as the Fair Credit Reporting Act. In the state of Texas, a civil suit can be filed, the collection agency fined, and I can seek damages up to {$1000.00}. I am hoping not to have to retain an Attorney, but if the account is not deleted from my credit, I may have to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized activity identified in my credit report with Capital One on XX/XX/2023. I called them to request they remove the hard inquiry from my report and the application submitted was not from me. 
Capital One assured ne tgey would report tge incident and have tge hard inquiry removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: GA
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:
Dear CFPB, I am writing to dispute the accuracy of the information on my credit report regarding a fraudulent account. XXXXXXXX XXXX Reported : XXXX XXXX, 2022 + {$110.00} Closed XXXX Reported XXXX XXXX XXXX, 2022 + {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, 2022 + {$610.00} Closed OTHER LOANS XXXX XXXX XXXX is appearing on my credit report, but I have never opened an account with these bank. 

This error violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), and the Electronic Fund Transfer Act ( EFTA ). The FCRA requires that credit reporting agencies and furnishers of credit information ensure the accuracy and integrity of credit reports. The FCBA requires creditors to promptly investigate and correct billing errors upon notification. The EFTA provides protections for consumers regarding electronic fund transfers. 

I am extremely concerned about this matter, as it is causing significant harm to my credit score and financial wellbeing. This is unacceptable, as it violates my rights under federal law and puts me at a significant disadvantage in obtaining credit on favorable terms. 

I have tried to resolve this issue with all of them to no avail, and I have also filed a police report regarding this fraudulent account. I have attached copies of the police report and any other relevant documentation to this complaint. 

I am requesting that you take immediate action to investigate this fraudulent account and work with the credit reporting agency to have it removed from my credit report as soon as possible, as required by the FCRA and CFPB regulations. This account is causing significant damage to my credit score and making it difficult for me to obtain credit at favorable rates. 

I am counting on your assistance in resolving this issue quickly and efficiently. As a consumer, I have the right to expect that my credit report is accurate and complete, and I expect the CFPB to vigorously enforce federal laws to protect consumers from such fraudulent activities. 

Please let me know if you require any further information from me. 

Sincerely, 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 2021-09-23
Company: Experian Information Solutions 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:
IN AN EFFORT TO REPAIR MY CREDIT REPORT, I DISPUTED ALL INCORRECT INFORMATION ON MY REPORT AS OFXX/XX/21. SPECIFICALLY WITH XXXX XXXX XXXX. 
AS OF XX/XX/2021, THIS ACCOUNT WENT TO LITIGATION AND A SETTLEMENT STIPULATION IN THE AMOUNT OF {$1300.00} WAS REACHED BETWEEN MYSELF AND XXXX XXXX XXXX. I PAY {$220.00} PER MONTH UNTIL THE BALANCE IS PAID IN FULL. AS OF THIS DATE ( XX/XX/XXXX ) THE BALANCE REMAINING IS {$450.00}. 
I HAVE PROVIDED DOCUMENTATION TO EXPERIAN AS PROOF OF THE AMOUNT AGREED UPON IN THE STIPULATION SO THAT MY CREDIT REPORT COULD BE UPDATED TO REFLECT THE NEW STATUS OF THIS ACCOUNT. 
SINCE EXPERIAN 'S REINVESTIGATION HAS BEEN COMPLETED, THE INCORRECT AMOUNT AND STATUS OF THIS ACCOUNT HAS CHANGED AND HAS NEGATIVELY AFFECTED MY CREDIT PROFILE/ 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 2023-10-15
Company: U.S. BANCORP
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Name Here Delete this unconfirmed inquiry lacking certifia evidence unless physically certified verified proct is demonstrated per U.S CODE 15 U.S.C. 
1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.

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 2023-10-02
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found a collection reported on my credit report in XX/XX/XXXX from TSI. Prior to this I would receive repeated phone calls but no voicemail. ( Bill collectors constantly call in regards to my father... so I don't answer my phone unless I can recognize the number or a voicemail is left ). I called TSI to ask why I was sent to collections when I have no personal/business relationship with them. They explained that they are a debt collection agency and XXXX sent me to them for a serious debt/collection of {$360.00}. I tried to explain that I do not have any accounts with this company and hadn't received one single form of communication by mail, email or phone call regarding any debt from this company prior to this notification on my credit report. After, repeating several times that I do not, nor have I ever had any open accounts in AZ since moving away in XXXX they answered it was fraud and would send me paperwork to complete. They said it would take 30-90 days. I have received no documents. And now I have a blemish on my credit report. TSI Transworld Systems Inc.

Company response to consumer: Closed with explanation