BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-04
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX, I called customer service for my card, because I lost the original card, I can't provide them with the serial number, I was not told to keep the serial number when I bought the card, I just kept I got my card information and receipt, but they locked my card for no reason and asked me to provide the serial number, so I could only send them an email to provide them with my purchase receipt. I had a recording and the customer service answered my card There is XXXX dollars in it but can't give it to me, ask me to provide the purchase receipt, I have sent it many times but it has not been resolved to me, I have been waiting for more than a month, I hope it can be resolved as soon as possibleXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax through a previous CFPB Complaint No : XXXX. Equifax was to remove and delete an illegal fraudulent account by XXXX XXXX XXXX. Upon completion of the Equifax , CFPB investigation, Equifax deleted the fraudulent account, but later restored the illegal account once the above CFPB account terminated. Equifax has 24 hours to delete permanently any XXXX account as informed in the previous CFPB Case. Now, this new Complaint is on another fraudulent account by XXXX XXXX XXXX XXXX which derived from the previous XXXX Loan account removed temporarily. See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX//2020 I attempted to close this Golden 1 Credit Union savings account by entering an ACH transfer from this account for the remaining balance of {$20.00} to my primary bank. The account I was attempting to close had been opened with a minimum balance as a requirement of an auto loan that I have since paid off. Since opening, I have never overdrawn this account nor have there been any transactions in it. 

Although the transfer would have drawn the account down to {$0.00}, not a negative balance, the transfer was stopped for non-sufficient funds, and I was charged a {$29.00} fee for the returned ACH. On XXXX/XXXX/2020, I called Golden 1 customer service to request the erroneous fee be reversed, have my balance transferred to my primary checking account, and to have the Golden 1 account closed. I explained that the stoppage of the ACH was an error, since the ACH would not have overdrawn the account. The agent claimed that the fee was not an error on the part of Golden 1 and he was therefore unable to reverse it, although he was unable to explain how a non-negative balance constituted NSF. He also claimed there was no manager I could speak with to escalate the issue and explained that if I wanted to close the account, I would now need to deposit {$9.00} to cover the overdraft ( caused by Golden 1 unjustifiably stopping the ACH ) first, then I could request the account be closed.

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 2015-09-01
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Private Mortgage Insurance Cancellation and Termination my loan is 80 % decreased from original value and property appraised more value but chase declined to remove PMI

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase bank closed my checking account for no reason after I was trying to send XXXX  dollars to my husband for family support. 
The entire bank account has only my credit card payment, direct deposit from my last employer and my unemployment direct deposit. The reason for account closure was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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:
I applied for a loan today XX/XX/20 and I was not approved because of an account called XXXX Card for a a balance of {$11000.00} reflecting badly on my credit history. I didn't know this account was even on my credit report before today I'm not they type of person that checks their credit report regularly. This account is not mine ; It was not opened by me and I never allowed anyone to open it in my name so I don't know who is responsible for this account. I do not have any contract with that company and I did not benefit anything from this account such as money, goods, services or any other benefit and I never made any payments towards it. I already filed a police report regarding this account.

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 2022-04-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
They are reporting incorrect information on my 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 2018-09-11
Company: GREAT LAKES
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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  has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX   which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Pangea Universal Holdings, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent money to the XXXX, thru XXXX Pangea USA LLC . sent dated XX/XX/XXXX, XXXX after waiting for an hour the person who I sent the money to called me, to say that they had not received anything. When they went to the XXXX XXXX ( office ) they were told that their system was " slow '', then she was forced to come back the next day XX/XX/2020, she was then told " no response from the main office of this company ''. I tried calling the company 's main office however, it was closed. The money that is being sent is for emergency and needs to be received right away. However, due to the companies ' lack of customer service, there is no one get in contact with regarding the issue. The company does not provide customer service that satisfies certain timezones. Those who are not within the time zone of their customer service hours can't get in touch with the company at all and has no way of resolving issues right away. Due to the circumstances of the receiver, this money was supposed to be received right away. I have the receipts stating that the person was to receive the money on XX/XX/2020 ( PST ) It has address information on the receipt and I will be willing to provide the receipts once I get an email back regarding this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: U.S. BANCORP
State: WA
Product: Credit card
Issue: Other

Complaint:
USBank has changed the benefits of their Club Carlson Visa. When I submitted my credit card application, XXXX of the benefits was a free night when redeeming points for XXXX night. This benefit has been removed effective XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This is a complaint against Bank of America. Refer to case # XXXX submitted on XX/XX/2021. I've been working on trying to get the funds back since XX/XX/2021 and nothing still hasn't been resolved. I'm still owed {$560.00}, and would like for the money to be returned. I've provided all the ample information to prove the funds went into the bank into the account number that was provided to me. It has been verified numerous times by various Bank employees. Why haven't I received the funds back? I would like an update. In the beginning I had to switch money around to cover the funds to pay bills that the money was intended for. I've tried calling Bank of America all I get is a voice mail, I've left several messages with no call back. They're not willing to work with me.

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 2023-05-14
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX account XXXX XXXXXXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A new account that is not mine appeared on my credit report. I made contact with both credit bureau and the collection agency and nothing as been resolved. This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: AMERIS BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account with Ameris Bank on XX/XX/XXXX.I live less then XXXX mins from the XXXX XXXX Location . While trying to make a purchase I realized my Debit Card constantly declining.I was unable to check my balance at the Ameris ATM. Forcing me to use out of network ATMs. This caused me to receive several XXXX dollar ATM fees.I went home XX/XX/XXXX to sign up for Business Online Banking to access my accounts via app 24/7. I was told to go to the website on my computer and sign up. I was told I would receive a Business ID within 24-48 hrs. I waited until XX/XX/XXXX to go back to the back to find out why i did not receive a Business ID. A teller at the XXXX XXXX Location walked me through the process and many pleas.I began to constantly visit the bank to resolve both issues.I just received access to my account XX/XX/XXXX. When I reviewed my account I realized i was charged five XXXX dollar overdraft fees and the funds were miss managed because I was unable to see my account and make transfers. I reached out to XXXX XXXX ( Branch Manager ) XXXX Location. She Refunded one fee.Then proceed to attempt to blame me for the overdrafts and ATM Fees and would not address me being unable to access Online Baking or The Network ATM. She said she would escalate the issues and contact me within 24hr. Her resolution was to Offer to close my account even thought I expressed multiple times that I would very much like to keep me account open. She said that I would not be issued anymore credits. I called the call center and spoke to XXXX XXXX she was very rude and unhelpful, She transfer me to XXXX XXXX who was also rude and unhelpful. Who then placed me on a 2 hr hold after promising to transfer me to XXXX for the incident report number or this complaint.XXXX XXXX ( Retail Area Manager XXXX XXXX ( Branch Manager ) XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-11
Company: CONTRACT CALLERS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Anaccountwasopenedinmyname.IdidnotopenaXXXXaccountandamconfusedonwhythisaccountisinmyname.ThisisafraudulentaccountthatIdidn'taskfornorhadknowledgeofitbeingopen.Iwantdocumentationonwhoopenedthisaccountandwhyisthisreportinginmynameasmyaccount.

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 2020-07-15
Company: JPMORGAN CHASE & CO.
State: NJ
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:
On XX/XX/2020 I purchased and airline ticked with my Chase Credit Card on XXXX. The flight was scheduled for XX/XX/XXXX with a return on XX/XX/XXXX. Due to Covid 19, and border closures, that Airline canceled the flight. 

The amount paid for the ticket and is {$860.00} XXXX {$860.00} I disputed the charge with a credit company because the airline did not want to provide a refund. In the beginning, the amount was credited back to my account, but on XX/XX/XXXX the Airline sent a bogus response to the credit card claiming that the ticket was valid and it looked like they were claiming that the flight took place. This already seems like a fraudulent tactic by the airline. 

At this point, Chase sided with XXXX and added the charge back to my account including interests. 

I have provided chase with all the documentation needed to resolve the dispute in my favor, but they have declined to return my fund on two occasions, claiming that they can not do anything on their side. 

I have also contacted XXXX and they claim that Chase has already taken the funds back. They have also denied issuing a voucher. 

I would like you to assist me in getting a refund for the full amount from Chase or XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've been trying to contact Experian to unfreeze my account for over a week. 

Its impossible to call in and speak with a person, very frustrating. 

I submitted my unfreeze request by mail over a week ago. 

If you force me to do business with this terrible companies the least you could do would have even a standard amount of customer service. These companies are useless, a identity theft liability, and use shady business practices and only exist because they have regulatory capture.

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 2023-05-13
Company: EQUIFAX, INC.
State: NC
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: VA
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:
THIS IS NOT A DUPLICATE REQUEST- XXXX is refusing to update my past due history stating that the information that they are reporting is correct. The company stated that they received a payment on XX/XX/2019 for XX/XX/2019 and XX/XX/2019 due dates. They are reporting past due history for XX/XX/2019. I would have only been 15 days late for XX/XX/2019 and not 30 days. Please update immediately before there is additional action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Experian Information Solutions 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:
This complaint is to serve as part of an official legal statement for the request to get a compromised, fraudulent account removed from my credit file reporting to EXPERIAN. I've been a victim of Identity Theft Fraud. The private investigators that I have hired have supplied me with suspect evidence including some of the transactions that were used with my identity and credit card information. There is also a fraudulent address tied to this account reporting from XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have NEVER lived in California. I have included that enclosed in the documents. Additionally, my credit information was used to purchase flights and I'm in communication with the airline which will be supplying me with suspect and passenger information so that I can press charges against the persons responsible and file a civil suit for damages, lost time and monetary damages. I will not quit until I get the information. I have also included FTC letter requesting to block the Data Furnishers - fraudulent data also the added Identity Theft Report. Per FCRA guidelines I have supplied this CRA with all the documents necessary to abide by Section 605B of the FCRA. All other CRA 's have abided by the regulations and Identity Theft guidelines. This is blatant violation of FCRA law. I have now taken matters into my own hands and am investigating the fraudulent address, charges and updating records. I have conclusive evidence that my name, identity and credit information has been compromised in XXXX  XXXX data breaches AND XXXX breach and since these data breaches that I've been a victim of, I've had a plethora of issues including receiving calls from scammers or people posing as bank officials. I have set up the highest level security now including passwords and have wiped my digital information for safety.

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX 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 non-monetary relief