BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent in a few disputes to the credit bureaus to get a child support account off my credit report that is not mine. Ive been battling with the state attorney general office and this process of disputing with credit bureaus and have had no success. I pay child support only on one kid but the other child support account that is showing at XXXX something XXXX dollar balance is not mine and Im hoping that some sort of documentation will help clear this matter. The document the OAG sent me was last year. I appreciate this site for being here to help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX, XXXX I was on-line this date putting credit freezes on my and my wife 's accounts and had no trouble with XXXX and XXXX but when I tried to use the Experian website I was unable to complete the process. They denied my attempt and said I have to submit my request in writing. I imagine the reason I was denied was either because we have two homes in different states as we are in the process of retiring and relocating or because one of the questions they asked me appeared to be based on incorrect information on their part, it was obvious how it was meant to be answered but I answered it correctly it apparently did not correspond with their poorly assimilated information. 

I tried to call but there does not seem to be a way to speak directly with a customer service representative at Experian or even an available email address with which to try and straighten this out. I have to admit that following the revelation of XXXX XXXX  incompetence I am not amused at the lack of professionalism at Experian.

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 2018-09-14
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Number called me saying im approved and that he needed my bank info and personal info to send me my approved loan. Then made me pay XXXX $ to a XXXX XXXX card and said i would receive my XXXX for sure but after i sent the XXXX $ he said i need to pay an additional XXXX $ for california to accept the transfer to XXXX XXXX, was all a big scam asked for my money back and no answer now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Convergent Outsourcing has placed a collection on my credit report. They are stating that the date of last activity as XX/XX/XXXX, AND the date of the collection as XXXX. Neither of these dates are correct! This account XXXX went into collections at minimum 6 years ago, approximately XX/XX/XXXX, and there has been no activity on this debt since that time! They are not reporting the correct dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a chase business credit card on the chase mobile app. Because it was an offer on my portal. We currently have a chase checking account for our business and wanted to get the credit card to avoid being charged monthly maintenance fees. We applied for the card and got a generic processing response. 

We got a phone call from a rep stating we needed to verify the business. ( The business should already be verified since we are a customer of chase already. ) on top of that, when we applied through the app, all of my information was already on the app. All I did was really hit submit. 


The rep stated I need to show proof of address and my EIN. I faxed those documents in which was a previous credit card statement and my EIN from the IRS. 

The fraud department reviewed that information then stated they couldnt accept my EIN from the IRS. But yet this is CHASE fraud department? They cant identify my business with a letter from the Irs? Insane. 

The rep said she would put the docs back through and have the re-look because apparently someone wasnt doing their job. 

The reviewed the docs and Im still getting letters they needed my EIN. At this point, chase is being annoying and I wish I never applied because it was a terrible experience. 

I then called again, they stated lets review your application. I waited on hold for 20 minutes while the rep reviewed my app just for him to say unfortunately youve been denied. After going back and forth about submitting documents to verify my business address and EIN, for weeks. To just be deny was a WASTE of time. When I sent in everything that was needed. I was given the run around. Chase is wrong for this. 

The way the processing went for application was just all wrong. So now I will be moving my money to a new account because chase doesnt care about me or my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
During a one day trip to XXXX XXXX, CA on XX/XX/2018, after making my first purchase, my debit card was immediately put into fraud alert and cut-off from use. Though I was assured by at least 10-12 customer service and fraud representatives that my account was " fine '', the card was never re-activated until 5 hours later. I am writing to inquire about the legalities of importing a travel code onto my debit card ( without ever informing me that I needed one ) and deactivating my account at a moment 's notice because of suspected fraud and what seems to be a loose, unstructured fraud protocol.I have attached a copy of my correspondence to US Bank detailing the ordeal. Thank you.

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 2018-08-15
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received an email stating my XXXX XXXX gift card was ready to cancel click here. This link led my to a paypal site that had me enter in my social secutiy number, D.O.B., birthdate, address phone number, credit card number-expiration date. Once I enterd this then asked for my mothers maiden name as a security question. Then requested a photocopy of my license which I did not send, by then I realized I had been phished and immediately exited the scam site. No fraudulent activities have occurred yet but someone has my information and I fear they will open credit cards or obtain my social # and identity for malicious purposes and their own financial gain/benefit. This report is to help aid in clearing my name in the event of future neglect in any of the fields listed above. This is the email origination -- -- -- -- -- -- 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 2017-09-20
Company: I.C. System, 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:
I C System INC has reported to the credit bureaus a debt that does not belong to me. I called I C Systems and XXXX about the fraudulent report to on my credit. I was told that they found a XXXX XXXX ( me ) so it was charged to me. They had no Social Security number or address to confirm it was me. The reason they have my address now, is because i gave it to them when I called. Looking on the website, XXXX, there is other XXXX XXXX located in my area. I do n't see haw they are allowed to single out one and damage that person 's credit. I have disputed this on more than one occasion with it still showing on my XXXX Report. 

XXXX and other credit agencies have been notified of this issue and all other credit agencies have removed this from my report with the exception of 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 2023-03-30
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
In XXXX  when my son was XXXX I open him an account at PNC bank. I was told that i would be an authorized user until he was XXXX. Now that he is XXXX XXXX XXXX, I have no access to his account. If he receives mail his name is on the mail, not mine. apparently, his account was overdrawn and PNC withdrew {$480.00} from my account without notice. I was unaware that his account was overdrawn and was not notified that they would withdraw this money from my account. I called them to find out why and they said they did it because I was on his account and they could not refund me. I told them that this is a hardship for me and that if they could return the money, I will make payment arrangements. I have been with PNC for over 10 years and this has never happened to me. I told them that I am behind on my mortgage and that the money in my account was for that. I talked to XXXX different people and no one was willing to help. Please help me to get my money back to pay my bills if only temporarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Unknown company, unknown debt. They claim I owe them through another company. I don't have a signed contract with this company, They have no authorization to run my credit. Never received any proof of a signed contract between me and this company

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 2018-07-17
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
On XX/XX/XXXX I noticed my credit score had dropped nearly 150 points and my credit limit on my XXXX  credit card had been reduced from {$2000.00} to {$200.00}. I called them and they said Id had a delinquent balance of about {$9.00} beginning in XXXX of this year when I thought I had paid it. Between then and now I did not once receive any notification from XXXX that I had a balance. Nor did I recieve notification that my credit limit had changed. I have not used my card for several months as I rarely visit XXXX  stores and I had gift cards so I didnt need to use my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have numerous credit inquiries listed on my XXXX XXXX, XXXX  and Experian credit report. The only credit inquiry that should be listed on my credit report is, XXXX XXXX XXXX/XXXX  XXXX. All of the other credit inquiries listed on my credit report are fraudulent, unauthorized and not my credit inquiries. I should only have 1 credit inquiry on my credit 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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX XXXX  Account # XXXX and XXXX 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 non-monetary relief
Consumer complaint received 2020-10-16
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/XXXX I received a final payoff notification of our new mortgage which I had requested. The payoff was calculated for payment as of XX/XX/XXXX and the address to which payoff was going was in-state approximately 100 miles away. On XX/XX/XXXX I withdrew the requested funds and purchased a money order as instructed and mailed the check immediately. On the morning of XX/XX/XXXX the check was returned due to insufficient funds even though the amount was what was requested. I called immediately and through much confusion was finally told that the payment was not received/processed (? ) until XX/XX/XXXX and therefore was nonsufficient. I will not believe that it took 2 weeks for that check to arrive but they only argued that it was late and it was my responsibility to have it there on time and they would not even consider the date stamps from the USPS showing pickup/delivery. I now have had to travel 15-20 miles back to the Credit union to cancel the check and draw a higher amount due to additional interest as well as pay an additional {$25.00} to wire the funds to eliminate any further problems.

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 2018-07-17
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 status incorrect

Complaint:
As of XX/XX/XXXX I paid Chase in the final payment for the settlement agreement. In XXXX XXXX I receive the letter of agreement for the final payment. I wanted to make sure that my credit history was all set and it would be off of my credit history but it wasn't not. When I checked with XXXX  on XXXX XXXX they told me that it was charged off when it was paid off. I called chase XX/XX/XXXX and they told me it was charged off as of XX/XX/XXXX which I was unaware of aslso I didn't recieved any letter that it was written as a charge off and was told even if I paid the whole debt off they still will not remove the charge off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I purchased cryptocurrency through Coinbase. They were happy to TAKE my money. Then i sold my cryptocurrency through Coinbase on XX/XX/XXXX. The proceeds from the sale have been in a " pending '' status to this day, XX/XX/XXXX. I submitted a support case and they responded with a less than usefull response and still no release of the proceeds. Oh yeah, my currency is gone so I have neither the currency or the cash. I've tried to call but after being on hold for 20 minutes while not once talking to a human, i hung up. Coinbase is a sham.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: ID Analytics, 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: Account information incorrect

Complaint:
XX/XX/XXXX my credit was pulled from this company. I have never heard of them and I would like to know why they are reporting MY personal information. They are reporting my score as less than half of what it actually is which has caused me to be declined for new loan requests. My credit score they reported is 300 points lower?!?! Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2018 I was detained by the police from my vehicle and taking to prison. I left my wallet with my identification card and social security card, XXXX XXXX card, XXXXXXXX XXXX Card inside it in my vehicle. I was release from prison XX/XX/2018. I discovered shortly after my release my vehicle was burglarized and my wallet and my phone was stolen. I immediately called American Express to cancel my card and I filed a dispute with them that day and I filed a police report the following day. I certified mailed my police report, prove of incarceration form, photos of my burglarized vehicle, FTC report and declaration of fraud form in on XX/XX/2018 to their corporate office in XXXX XXXX Utah. I also fax American Express Serve Team the police report and upload all documents listed previously to their website around that time as well. All documents was submitted before the 10 business day provisional credit period. On the XX/XX/2018, I received an email of denial of my claim. The representative explained to me upon calling, my claim was denied due to a merchant validating that a tranactions was valid. I spoke with each merchant neither of them confirmed validating any charges with American Express. I also contacted the American Express CEO XXXX XXXX and the executive department regarding this claim. They claim they was going to look into it but they have yet to resolve the issue as well. The Dispute amount is XXXX. I really need this issue resolved and those funds reversed to my account as quickly as possible. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
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 was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a validation request over 30 days ago. They never validated the account and continue to report it to the credit bureau. This is a direct violation of the Fair Debt Collection Practice Act Section 809 ( b ). This company is blatantly breaking the law and causing me hardship by continuing to report they can't validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed a charge of {$720.00} for carpet cleaning with Barclay. Barclay denied the claim without doing a reasonable investigation of the claim. The service provider for the carpet cleaning did not clean the carpets. I provided photo evidence that the carpets were not cleaned and an invoice from a separate company showing that I had to pay someone else to do the job. Barclay refused to consider this evidence and solely relied on the company 's assertion that the services were rendered. This is in spite of the fact that the invoice that the company provided notes that the work was not done. I did not accept the services, the company charged me regardless of that, and Barclay refused to research the matter appropriately.

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 2023-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello im no longer with bank of America I closed my account years ago. I had bank with them for years they had changed me XXXX of dollars overdraft fees and I called and explained to them the problem and they never corrected it. So I just close my account they really need to be responsible for taking all that money from their customers thanks!

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 2023-05-12
Company: EQUIFAX, INC.
State: NV
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'm filing my complaint in accordance with the FCRA 's guidelines to ask that the following accounts, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation