BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-01
Company: AMERICAN EXPRESS COMPANY
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: Other problem

Complaint:
Around XX/XX/XXXX, I had computer problems, so I contacted XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ext XXXX ) XXXX and XXXX was helping me. I gave him remote access to my computer and paid via Amex. I saw him working on my screen. I do not know if this repair was related to the XX/XX/XXXX fraud or not. XXXX continued calling me after the scam, but I did not reply and blocked his number. 
On XX/XX/XXXX I had an email from XXXX saying that I was hacked and told to call XXXX. The man who picked up identified himself as XXXX XXXX at XXXX headquarters in XXXX, Washington. He accessed my computer to help fix the malware. He gave his XXXX extension : XXXX ext XXXX. 
He was controlling my computer, and I could see code/spreadsheets and on the bottom words American Express, my name, my wifes name, and our account numbers. He said that our AMEX accounts were hacked and that he must connect me with an AMEX Fraud Department. 
XXXX from AMEX introduced himself, and my phone displayed the same number as on my Amex XXXX. He said that there is a fraud charge of XXXX ( XXXX on mine and XXXX on my wifes ) on our account ( later, we checked, and this was not true ). I was then asked to help work with Amex on the investigation to catch hackers, and I agreed trusting that Amex was secure. 
He asked that I do not reply when family calls me and that my wife does not use phones at home as anyone who speaks with me will be jeopardized. I was asked to go to XXXX at XXXX XXXX XXXX in XXXX and instructed to use the Amex card to buy XXXX worth of gift cards to help catch the hacker. 
When I asked for a XXXX gift card at XXXX on XXXX XXXX, I was told that only a XXXX single card could be dispersed, so I bought it. 
The AMEX representative XXXX then told me to travel to XXXX XXXX XXXX, where I could buy two XXXX cards from two different salespeople. 
He sent me to XXXX store on XXXX XXXX, where I was able to buy 4 x XXXX cards without any questions from XXXX salesperson, and another one for XXXX to cover fraudulent charges on my wifes card. 
He asked me to give him ID/access to those cards. I complied. 
While this was happening, my wife received an email asking if we approve these purchases. She clicked NO, marking it as fraud, yet she still received a confirmation email of purchases. She was distraught unable to reach me for hours. She called XXXX, thinking that I was in danger of being forced to make withdrawals. 
When I came home, I met with the police and saw that gift cards were emptied. I realized that I was scammed. Phone calls kept coming. I was no longer picking up as per police instructions. Often it was my own number that was calling me. My daughter blocked all those numbers hackers were using, plus robocalls, and calls that have no caller ID from coming in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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: Information belongs to someone else

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This account is reporting a late payment status with XXXX, but reporting current with Transunion. This account also does not report a credit limit or any amount nor reporting as a closed account. This information has been reporting to XXXX and Transunion, but left on my report to continue to cause damage, Under 15 U.S. Code 1681i- it states that If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation.

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 2022-07-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Was notified by a mediator about being sued for a credit card from XXXX. Florida statues states they can not collect after 7 years. Also did not receive any written notice. this gentleman stated the notice was ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have discussed with XXXX XXXX XXXX on several occasions about the multiple phone calls and emails that i have been receiving. The first time was in XX/XX/2018, i received a rude and very disrespectful call from numerous employees from that company requesting payment on my car note. I let them know that i am not able to pay at the moment and the representative continued to interrupt and make numerous threats to me if i did not make the payment. I told them at that time to not contact me by phone anymore. 

in XX/XX/2018 I received an email about a late payment. I made contact with Prestige to let them know my plans. The woman ( rep ) on the phone was really rude to me at which i passed the phone to my husband to speak. He told them at that time to cease all communication via phone or email and to just communicate via mail. 


at the end of XX/XX/2018, i received another rude and disrespectful phone call from Prestige requesting a payment..at that time i let the rep know that i had requested a cease and desist on all phone calls and emails. She went on to explain that the cease and desist was only placed for email. she assured me at that time that she will place stop on all phone calls and emails. 

In XX/XX/2018 i started to receive emails again after repeatedly telling this company that i cease all communication. Some of the dates may be off but I'm sure they have all if our communication recorded. To this day i am still receiving email communication from Prestige. I would like for this company to respect my wishes and not contact me via email or phone anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My checking account was closed by Wells Fargo because of overdraft fees.

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 2023-03-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I utilized an 0 % XXXX balance transfer that was advertised to me by Chase Bank on their website for the XXXX XXXX Rewards Visa Card. I made a transfer in the amount of {$11000.00}. After completing my transfer, I began to be charged interest on purchases made even though I would pay more than the minimum payment and more than the dollar amount of my purchases. 

When I called chase to speak with them about why I'm being charged interest, I was told by 3 different representatives, that during a balance transfer period, unless the statement is paid in full ( in this case the full {$11000.00} + new purchases ), my payments would be allocated only to the lowest interest bearing amount first, then the purchases bearing the higher interest. Said differently, all my purchases that are accruing interest will not be paid off and will accrue interest until I pay off the {$11000.00} balance transfer. 

I was told that the interest provision described above was embedded somewhere in my balance transfer agreement, however it is not clearly stated. Unless the consumer was expressly directed to the subsection and made aware of where to find this hidden stipulation, it is very misleading to the consumer and is an unethical and unscrupulous attack on the consumer. 

Since XX/XX/XXXX I've made payments of {$6200.00} and have only made {$1800.00} in purchases, but I am still being charged interest on purchases because ( per the Chase Credit Card representatives ) the {$6200.00} has gone to pay down the 0 % XXXX balance transfer and none of the additional payments will be allocated to my purchases. 

Timeline below : As of my Statement Date closed XX/XX/XXXX, I had a {$0.00} dollar amount of purchases subject to interest accrual. 

On XX/XX/XXXX, I completed a balance transfer in the amount of {$11000.00} for an interest free period through XX/XX/XXXX. 

On XX/XX/XXXX, I spoke with 3 Chase representatives who all confirm that Chase will lock me into paying interest on purchases unless I pay off the statement balance in full. For this reason " they advise customers not to make purchases during a balance transfer period ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion got my dispute and and almost 30 days later the account was removed from my credit file. The account popped up again and i sent another letter asking them why did they place an account back on my credit file after it was removed and I got a letter back saying that all information is considered accurate and that because of the data breach with their company alot of clients accounts were removed and added back. I then told the rep not without a 5 days notice and she was not understanding me after i told her that. 

Account : XXXX XXXX XXXX Account Number 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 2023-05-12
Company: JPMORGAN CHASE & CO.
State: CA
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:
Chase Southwest Rapid Rewards card Attn : Refund unfair and sneaky transaction charge I've noticed the mysterious charge of {$30.00} transaction charge and {$7.00} cash advance interest charge on XX/XX/23 & XX/XX/23 respectively. When I called Chase, they said funding my online sports gambling account ( BETMGM ) is considered a " cash advance '' transaction and there is a {$30.00} charge and the interest will be accrued on the amount. 

Though I've told them that I was never aware of the fact that making a transaction at my " XXXX '' account will be considered a " cash advance '' and that the Chase app never notified me of this at the time of the transaction. I called the dispute department at Chase and spoke to 3 different agents to find out about these

two mysterious charges. The last representative was the supervisor who told me " It is stated in your CC agreement that any transaction to an online sports gambling site is considered a cash advance. '' and finally hung up on me before I could plead my case where I've opened up the Chase Southwest Credit card when online sports gambling wasn't available at the time. So there is no way the Credit Card agreement had that specific clause. 

I sent an email message to their customer service department stating that I was never aware of such a policy/rule and asked for a refund of {$30.00} + {$7.00} a few days ago. To my surprise, they sent me a very quick and generic message stating the same response saying that the transaction is considered a " cash advance '' and they are unable to credit my account without understanding the fact that I was never aware of this " policy '' when I signed up for the credit card. And since I wasn't aware of this policy and they failed to notify me at the time of the transaction during a mobile transaction, I think I should get the refund from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-09-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have advised Eqiufax on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX, XXXX XXXX. I have never paid the XXXX/XXXX   account late, I have never paid the XXXX/XXXX account late, I have never paid the DEPTEDXXXX account late. The XXXX XXXX account does not belong to me, the XXXX XXXX  account does not belong to me, the XXXX XXXX XXXX account does not belong to me, the US DEPT ED account does not belong to me, the XXXX XXXX XXXX XXXX account does not belong to me, the XXXX XXXX account does not belong to me. Equifax has yet to prove how they received this inaccurate information and have not corrected the information following my proof that the information is inaccurate. Please help me get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: LEXISNEXIS
State: MN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
i found out about the unathorized use of non personal information concerning XXXX  without my knowledge i sent actual written verifiable proof that the court did not furnish or know anything about this. 
i contacted lexis/nexis and gave them verifiable proof of this and they are violation consumer laws without giving me a fair and equitable response.i am the living natual consumer and i did not authorize the social security administration verbal or written to share any of my non personal information this is an invasion of my privacy and a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, 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:
I contacted XXXX, also filed a complaint with CFPB and against Equifax, I received a response from Equifax stating the inquiry on my consumer report was FACTUAL, XXXX. assured me that there was not any application attached with my social security number in their system and also assured me that they would contact Equifax to inform them of the error. I will attach the letter that was sent to me from XXXX to this complaint as well, In my last last complaint about this matter, Equifax lied to the CFPB about it being FACTUAL! The attached letter from XXXX shows the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a gift card on XX/XX/XXXX at my retirement party but when I went to use it I was not able to use the card as it said there was a card error. I contacted customer service from the bank card : MasterCard/USBank. They wanted me to fax them a copy of my driver 's license and other information. I told them that the card was a gift card and I was uncomfortable with this but after talking with XXXX XXXX, the supervisor ( badge # XXXX ) she said that this was the only way they could help me. 
I went to the local branch office ( XXXX XXXX, CA ) and they were very helpful. XXXX, the assistant Branch Manager. He helped me to get the information I needed. He discovered that the card had been used at a XXXX  in XXXX on XX/XX/2018. I talked to the Dispute Resolutions Department as part of Bank and Risk Operations and faxed them a form that they requested from the Bank Branch on XX/XX/2018. 
On XX/XX/2018 I received a letter from this Dispute resolution department from USBank that was sent from XXXX XXXX XXXX, XXXX, XXXX XXXX dated XX/XX/2018. There was no phone number to call so I called customer service who would not give me a direct number. I was put on hold for almost and hour before someone came back on the line to tell me he had to get a form to call me back in 24 hours. I did not continue the call at this point..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: EOS Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted this company 3 times asking them to verify that I owe this debt according to the FCRA. Not only have they failed to respond in the required time frames, but they also never sent evidence or proof that I own this account. They have stated on my credit reports that I owe a debt of $XXXX, with the original creditor being XXXX. The 1st letter I sent advising that I was disputing that debt upon noticing it on my credit reports dated XX/XX/XXXX, they signed for and received as shown by the mail receipt on XX/XX/XXXX. I never received a response. I sent 2 more letters dated XX/XX/XXXX andXX/XX/XXXX, to which I never received the return receipts nor a response from the company providing verification of this alleged debt. Per FCRA, a dispute is supposed to be investigated and given a response upon 30 days of receiving notice, and they are in direct violation. The creditor also supposed to provide proof or verification of the account providing an original signature or contract showing ownership of the debt owed and they have also failed to do that. I have now received a billing/settlement statement from them dated XX/XX/XXXXXX/XX/XXXX, stating that I owe a debt of $XXXX, and this is also not what is reported on my credit reports. I want this item removed from all 3 bureaus as this debt is unable to be verified and is incorrect. Also, upon review of my XXXX   report, this same debt is showing as a charged off loan instead of a collection. This is very inaccurate since the other 2 reports show this as a collection and shows a serious error with their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express offered promotional financing on their website. I went to accept the terms, however, their website did apparently not accept those terms and I was never granted the financing I was offered and had accepted. I called American Express to address the situation and they acknowledged that I did accept the financing, but refused to fulfill their offer.

Company response to consumer: Closed with explanation