BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid my American Express balance in full between 2 payments - 1 ) XX/XX/XXXX {$300.00} in rewards cash and 2 ) XX/XX/XXXX {$11.00} in online payment from by bank account. Balance due on my account was {$310.00} from my statement printed XX/XX/XXXX with payment due date of XX/XX/XXXX.

American express credited my account by {$310.00} ( paid in full ), but is reporting my account as 30 days past due because I used American Express reward dollars as part of my minimum due ( {$35.00} ). My account has been paid in full nearly EVERY month since XX/XX/XXXX. My XX/XX/XXXX statement shows my account paid in full of {$310.00}, but American Express is not honoring their own reward dollars as payment.

I made a similar combined payment for myXX/XX/XXXX statement - {$150.00} in rewards dollars and {$19.00} ( minimum payment was {$35.00} ) from my bank account and American Express accepted my payments as bringing my account to a XXXX balance and did not increase my minimum due.

I have paid my account in full - {$150.00} in debit from by bank account and need my reward dollars back from American Express in the form of a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made a purchase of a seat upgrade at XXXX XXXXXXXX on XX/XX/2023, which posted XX/XX/2023. Per the terms and conditions, this purchase is covered by an annual Airline Incidental Credit offered by the Bank of America Premium Elite Credit Card. This charge was not credited by the automatic system, despite meeting all of the requirements of the terms and conditions. 

When I called the number on the back of the card, I was advised that the BoA personnel had no access to these credits and made a number of incorrect claims about the credit - that it had something to do with XXXX XXXXXXXX ( confusing this product with the co-branded XXXX XXXXXXXX card ), that there is some submission process for these charges with the travel/concierge team ( there is not ). 

I asked for the call to be escalated because BoA 's failure to appropriately credit their advertised benefits is an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ). The manager was similarly unable to access any part of the system related to this benefit. 

The manager referred me to the travel/rewards team, who was unable to access anything to do with these credits. That team then transferred me to the benefits team, who also knew nothing about these credits. That person then referred me back to the main BoA credit card phoneline, where I had started.

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 2019-12-26
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: Personal information incorrect

Complaint:
I have sent multiple requests to Experian and XXXX regarding incorrect addresses. I requested that XXXX XXXX XXXX XXXX be removed from my Experian report and XXXX  XXXX XXXX XXXX XXXX be removed from my XXXX report. Both have come back refusing to delete this erroneous information. I have submitted certified receipts as well as a copy of the letter sent to the bureaus.

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 2023-09-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was stolen on XX/XX/XXXX  when my car was broken into while i slept. When i noticed unauthorized transactions i called chase immediately. There was one big purchase at a XXXX and also an atm transaction. I made the claim and continued to follow up a few days following. I got a provisional credit for one of the transactions but it was soon reversed. I asked for the documents of the things they used in order to deny my claim and NEVER RECEIVED THEM. Im sure they could have gotten access to cameras to show that it wasnt me. My account was in the negative and has now been closed due to the time frame. I recently discovered about the CFPB and am submitting this in hopes of getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
Hello, I noticed inaccurate accounts and information on my credit report and contacted the XXXX credit bureaus about it ( XXXX, Experian, and XXXX ). I sent letters asking them to validate these accounts and never received anything in the mail or email from this. It has been well over 30 days and I never received any information and the accounts are still on the report. I also sent letters to these XXXX companies to validate this debt or remove them and they still have not been removed. I know that according to the law they have 30 days to validate or delete it. I have not heard from any of the companies. I sent certified letters and copies of my Identification to show that this is me inquiring about my report but nothing. Can you please help with this issue?

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 2023-09-29
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I opened a savings account with Marcus by Goldman Sachs through referral. I transferred {$10000.00} into the account on the next day and an additional {$30000.00} the day after. 
On XX/XX/XXXX I opened their app to check if the second transaction had been processed, only to find my account had been locked without any email notice or reason given. I called customer service several times throughout the day and the agent said it was because they couldn't verify my phone number ( which I have been using for XXXX years without any problem and which I used to call them ). The solution was they would mail me an affidavit for me to sign and mail back, and the whole process is going to take at least a month. I also asked whether my {$30000.00} transaction would still be processed and they said no. Since having them hold my {$10000.00} for a month was not too unacceptable, I did not do anything further and decided to wait for the affidavit. 
On XX/XX/XXXX, I checked my other account with another bank, only to find the {$30000.00} had still been processed despite what the agent told me. So now Marcus will be keeping my {$40000.00} for at least a month without paying any interest- which is unacceptable. I will need the money to pay for my tuition soon, and I truly don't know what to do. I called the customer service again and they said there is nothing they can do either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was notified via email at XXXX MST on XX/XX/XXXX that my Wells Fargo checking account was closed on XX/XX/XXXX. At XXXX, XX/XX/XXXX I called Wells Fargo 's XXXX and spoke with a customer service representative that was unable to make sense or provide detail on why my account was closed. Later that same day, I went to a branch location to further troubleshoot why my account was closed. No answers were provided other than that it definitely looked like the account " was closed in error ''. My issue was elevated to Wells Fargo 's resolution team. I have yet to receive information on why the account was closed. 

The lack of communication to avoid the closure is most frustrating ( and the fact my pay had been going here for 2+ months ) ... the timing my account closure was the week before XXXX ... and although it was closed on Tuesday I was not properly notified until Thursday. Because of this delay I did not have an adequate amount of time to stop my employer 's direct deposit to this specific 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 2017-12-28
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX is preventing a merchant from accepting checks on an account that has {$14000.00} in it. I believe this is due to the fact that the account is set up as a federal fiduciary for my husband. The VA requires that I write checks to pay for these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
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 previously disputed with XXXX, Experian and XXXX on XXXX/XXXX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2022-01-21
Company: JPMORGAN CHASE & CO.
State: RI
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:
My Chase XXXX XXXX XXXX credit card was carrying close to a XXXX balance in XXXX of XXXX. I then made 2 promotional debt transfers to the card ( XXXX in XXXX and XXXX in XXXX ) at 0 % interest for 12 months ( after paying a transfer fee ). 

I then made roughly {$1400.00} in purchases in XXXX of XXXX and made payments to the card in excess of {$1500.00} in that same month. They applied this {$1500.00} payment to the non-interest bearing transferred debt and not the purchases that bear interest. This has continued since XXXX. I keep making payments in excess of the minimum due and they continue to apply my payments to the non-interest bearing debt vs the interest bearing debt. 

For the past 2 months ( XXXX and XXXX ), my total purchases in the month have been {$24.00} ( a recurring XXXX charge ) yet the interest being charged is in excess of my purchases because of their practice of applying my payment to non-interest bearing debt. 

I spent 45 minutes on the phone with them today ( XX/XX/XXXX ) and I asked them to stop this practice and to apply all my payments to interest bearing debt before the noninterest bearing debt. They refused, and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I noticed it that in the last couples of months my XXXX score came down significantly. I'm always on time with all my payment and bills. I haven't request for a new credit cars or loans. Why my XXXX score decreases? This is negatively impacting my relations with my lenders. I would like to know the reason. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions 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:
There is an account being reported on my account stating it opened XX/XX/2021. I do NOT have any recognition of this account. But i was a victim of identity theft during this time frame. Someone stold my wallet and completely gained full access to my personal identifying information such as my california identification card and my social security card and opened this account fradulently online without even going thru any sort idenity verification. process. I do not recall ever having any transactions using this bank. PLEASE REMOVE THIS ACCOUNT IN ITS ENTIRETY FROM ALL 3 CREDIT REPORT AGENCIES> PLEASE REMOVE FROM COLLECTIONS AND CLOSED ACCOUNTS. 
XXXX XXXX XXXX XXXX XXXX Credit Card {$800.00} owed.

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 2023-09-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I received a call today about a 10-year-old Walls Fargo account. To my knowledge, this account has been closed for years. I got a call and am getting sued for XXXX in overdraft fees. I didn't withdraw any money from this account. Also, there is another name linked to this account. Is it possible she took the money out of my account? Is there any way I can see when and where these transactions were taking place? Why now am just hearing about this?

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 2023-02-09
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by mare than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the persom knows or has reasonable cause to believe that the information is inaccurate.

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 2019-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX on XX/XX/18 Ran a Hard credit Inquiries on a credit application with XXXX of XXXX XXXX in which is not me. Incorrect social security number, Incorrect drivers lic, incorrect date of birth and no date on the application. I did not give permission for this transaction. Please stop trying to avoid the truth with your fraud and deception committed by XXXX of XXXX XXXX. Please provide my real social security drivers lic & date of birth and stop trying to avoid the application put in as fraud. I have also filed the documents with the US Attorney office as proof this is not my information as drivers lic, date of birth, soc sec number all fraud type in by XXXX of 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 2023-09-29
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
US Auto Sales sold my loan to a debt collector, my account was current and in good standing. I also paid for gap through this company and never received and money back when the company dissolved. Westlake financial the added refinance fees and false loan remaining balance information. I have no sign agreement or contract with Westlake and was not even made aware the company was closed and my loan was sold until 3 months after the dissolution of USAuto so they took payments knowing they were no longer in business and did not apply said payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: Accelerated Receivables Management, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, I signed a contract for One Year with XXXX XXXX   XXXX dated XX/XX/XXXX. As I didn't know far how long my stay would be here at this rental home. I paid XXXX on regular basis without any fail, on XX/XX/XXXX ( After 18 months ) I called XXXX to discontinue my services as no longer required. I did clear my XX/XX/XXXX bill for {$34.00}. This transaction was confirmed by billing dept from XXXX. Now XXXX  illicitly passed my information to collection agencies even after discontinuation of service and paid final bill amount.

Accelerated Receivable Management Inc, PH : XXXX is approaching to collect a 'cancelled ' services bill. In mid-XXXX, I called XXXX billing and informed them about collection company whereas services were cancelled back in XX/XX/XXXX. They promised to make adjustments at their end. But collection company never stopped calling and still sending written notices and calls on daily basis. Now they have started to threaten, harassing and use abusive language over the phone and voice messages.

Accelerated Receivable Management Inc, MUST NOT use abusive language or use harassing words over the phone even when they were advised about cancelled services. XXXX XXXX XXXX ( billing ) has no right to bill and approach collection company for a cancelled service. Now theyre claiming my contract was for FIVE years, ( totally weird, false and malefied statement ) Who can sign a contract once you even do NOT have a lease for over a year? Their claim is totally false and baseless so must be asked to quit. They have spoiled my credit for endorsing a false and baseless claim.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-29
Company: Duvera Billing Services, LLC
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 am writing to report unauthorized accounts on my credit report, a result of identity theft. Despite contacting the credit reporting agencies and the creditor, the issue remains unresolved. The agencies claim the account was 'verified, ' yet I was never part of this verification process. The creditor also failed to verify the account with me. 

I request an immediate investigation and the removal of these fraudulent accounts from my credit report. I also urge the creditor to close the account and clear me of any associated debt. 

Please treat this as a formal complaint and an integral part of my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: PA
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 2023-07-03
Company: EQUIFAX, INC.
State: VA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX a debt collection for {$160.00} was paid in full with Helvey and Associates with an old account with XXXX XXXX. it has been over 90 days and on XX/XX/XXXX I disputed the account listed as negative on my credit report to be removed. The company refused to remove my collections account even after it was paid in full over 90 days ago. This is violating the FCRA and prohibiting me from obtaining a mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation