BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: I.C. System, Inc.
State: HI
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/2023 XXXX  {$4900.00} Contacted company for services provided not as advertised. Company made threatening remarks.

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 2023-08-25
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My husband and I signed up for a Chase XXXX XXXX credit card in late XXXX XXXX when we signed up our bonus offer was XXXX points after spending {$3000.00} within the first three months. We completed the terms and spent upwards of {$8000.00} and the points never got credited. Today, I called chase who informed me the offer was for XXXX points. That was never disclosed or communicated to us during enrollment or thereafter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Capital Accounts, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received repeated phone calls from Capital Accounts regarding a debt received in their office from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, TN XXXX, ( XXXX ) XXXX. XXXX XXXX XXXX office states that there is no debt owed them from me. XXXX who is in the doctor 's billing department has contacted their sales departments ( XXXX ) at Capital Accounts to confirm this information. We spoke with a supervisor, XXXX at Capital Accounts, who handled the call from myself and XXXX on XX/XX/2019 and was told that he saw where XXXX called and and see that there was no account but he would further investigate and get back in touch with me. I did contact XXXX today and he did remember our case, put me on hold, and the call was lost. I called back and the CSR was very rude and refused to allow me to speak with XXXX. I explained to her that he was the supervisor who did ask me to contact him with futher questions. She became extremely rude and the call was disconnected. I called and got another CSR who was equally rude and shouting at me explaining he was handling everything now and that I would not be able to speak with XXXX as he never spoke to people who had the debt. This call ended up with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
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 previously submitted a complaint on XXXX XXXX which is my 5th request of credit reporting not mine and they keep updating as verified under report XXXX XXXXXXXX. Im not sure how this was verified when I have not supplied proof under the doctrine estoppel by silence, Engelhardt vs Gravens ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.. I have never lived at the address that they are claiming and Ive stated several time. This is fraud on the credit reporting agency as they have not supplied me with information verifying this account. Im willing to take legal action if not resolved

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 2020-06-03
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I went to XXXX XXXX XXXX in person to obtain a written letter stating I did not have a car loan with them. That letter was submitted to Experian/upload about a month ago. Im getting a notification saying the company is still saying the information on my credit is accurate and wasnt removed. It appears theres a person with my same name but hes social security and passport are different. When I spoke with the bank management I gave them my passport and social security to prove them I wasnt the person on that 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 non-monetary relief
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-21
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My spouse and I have been customers of Bank of the West for several years, almost 20 years for myself, and 3 years for my spouse. After getting married recently we have tried to open an joint checking account with this bank. We have tried several times at the branch and after several phone calls, we have been denied without a specific reason. We were told that due to a merger, the process would be easier online and since the approval process goes through a different process, we shouldn't have an issue. We both tried opening accounts, but were promptly denied and asked to visit a branch. I called customer service and was told that they are unable to help with anything related to opening an account, and they refused to provide any contacts for a supervisor or anyone in their retail banking division. My spouse and I have excellent credit, have never issued a bad check, or even over drafted. This bank is denying us a joint checking account and not giving us a real reason why, even the employees that we've talked to don't understand why it's not being approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
FRAUDLANT LOAN WAS PLACED IN MY NAME APPROXIMETLY 13 YEARS THROUGH TOYOTA FINANCIAL AND THEN THE ACCOUNT WAS PASSED ON TO XXXX AND XXXX AND NOW MY WAGES ARE BEING GARNISHED BECAUSE OF IT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Experian Information Solutions Inc.
State: MI
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:
Inquiries I did not authorize : XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  Calls were made to credit bureaus and customer service would not address incorrect information Unverified accounts : XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$420.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: GOLDMAN SACHS BANK USA
State: TN
Product: Credit 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:
Over a 10 year period of time I have accumulated XXXX in reward points. 
Company says you can redeem for account credit. I called go have it applied to my account and was told I can only use it to buy a car or go on a trip or out to eat or have repairs done at GM. 
This is a scam. I am old I do not need a car I do not eat out due to covid and i dont travel. 
This is a bold lie to get you to get this card and use it. I would like my rewards paid to my account like they say.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I had 2 accounts with wells fargo for years and over the years they drew down my account for fees and didn't pay any interest despite telling me when I created these accounts they would be interest bearing.

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 2023-11-02
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase closed my credit card account today ( ending in XXXX ). They won't say why other than 'unusual activity '. I have no idea what that means. My wife and I use the card for family expenses, definitely nothing illegal. OK fine, they can close our account, but THEY JUST CHARGED ME {$520.00} on XX/XX/XXXX of 2023 and they aren't refunding my annual fee or pro-rating it in any way. What??? Please assist me in getting my annual fee back for a card they won't let me use for reasons they won't disclose

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2022 Capital One sent me an adverse action letter for the denial of my consumer credit transaction. I am aware that I am a consumer who cant be denied for an extension of my credit. Capital one is considered as a bank and federal regulations has made it clear banks borrow and not lend money. Any bank asking for a social security card in return for a loan, knowing theres no lawful money to lend is in violation with federal regulations. I am a consumer/creditor/natural person/executor/beneficiary who has been discriminated against and deprived of my rights to trade. Capital One has also furnished information about my employment status without my permission and violating my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The ALLY FINANCIAL XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


ALLY FINANCIAL 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 2023-11-11
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Good afternoon again I am writing an concerns to my identity. I have contacted the company three times I did not make the inquiries that are on my credit report. The company Ive called them Ive given my information, and they even stated that whoever was using my identity was using my maiden last name, I have been married for over eight years now. The inquiries were made in XXXX and XXXX. Please have these inquiries removed off my credit report immediately. 

JPMCB CARD. XX/XX/XXXX JPMCB CARD XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX They are showing on all three credit bureaus again I have contacted each of these companies and each have said that they would remove them. As I said today, they are still showing up as inquiries. I also had a security freeze put on my account so I dont even know how these were able to even get through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 I transferred {$16000.00} from my personal savings account in XXXX to my personal savings account in Citi Bank. 

On XX/XX/XXXX, Citi Bank sent me an e-mail saying my Savings Account would be closed within 60 days and my funds would be mailed back to me to my address on file. 

I've had numerous calls with Citi Bank Customer Service, Fraud Prevention and visited multiple branches to get this problem resolved. Citi Bank 's response at this point is that I should reach out to XXXX and they should file a " Harmless Claim '' so I can get my funds from them ; Citi Bank now says they won't mail me my funds back. 

I have talked to XXXX and they say there is nothing they can do as the transaction is not fraudulent and was clearly made by me ( the owner of both accounts ). And that Citi Bank should mail my funds back. 

It is XX/XX/XXXX now. So it's been 4 months and my funds have not been returned. I feel the need to escalate this issue as Citi Bank is clearly not cooperating.

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 2022-01-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The FAIR COLLECTIONS & O XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


FAIR COLLECTIONS & O 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 2023-12-08
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have provided proof to allied collections showing that I was covered by insurance at the time of the billing and that I was not responsible for payment of the bill from XXXX XXXX XXXX. They responded that they are not an insurance billing company. However they are holding me responsible for a bill that I have proven I am not responsible for.

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 2023-08-25
Company: B9, Inc.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I filed a complaint case number XXXX back on XXXX. The company XXXX responded with nothing but lies. Stating they don't have records of me calling 3 months in a row requesting a replacement debit card. I would like for all the voice recordings to be pulled regarding my account and that will prove exactly how many times a representative claimed they ordered a new card!! It will also show how many times I've asked to speak to a XXXX or supervisor and how long I was placed on hold and then disconnected. It will also prove how many times I've asked for the corporate phone number and they claimed they don't have it! It will also show how many times they just sat there and laughed. See the other complaint for all the charges

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The I.C. SYSTEM, INC XXXX, XXXX, XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

I.C. SYSTEM, INC 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 2022-01-28
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-01-28
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
JP Morgan Chase required I pay them up front {$500.00} to consider allowing me to refinance my existing loan. The XXXX was not part of any of the closing costs they just demanded my credit card on the phone during Initial conversation. Then they delayed my opportunity to refinance for 7 months claiming paying quarterly property taxes was out of the normal. However I have always paid property taxes that way each of my prior XXXX refinances with chase plus my Initial mortgage with chase during past 13 years. Then over the next 6 months I had 3 loan officers contacting me and demanding I provide financial and employment documents via unsecure unencrypted XXXX accounts. My credit monitoring notified me of a breach. The documents fell victim of cyber security breach because of chase failing to request documents via secured channels. My identity was compromised. I sustained financial losses and damages

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Block, Inc.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In the service Cash App it is clear to me that in my profile there are three people that I do not know replacing three people from my phone contacts. Customer service will not resolve the issue. The 3 contacts from my phone do not appear and instead appear 3 unknowns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is no way a cable company will allow anyone to watch {$600.00} + dollars worth of cable with it being disconnected. I do not owe them anything.

Company response to consumer: Closed with explanation