BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Target called me XX/XX/22 to report a card opened in my name, on-line on XX/XX/22. They are investigating and suggested I report to the FTC, whose site directed me here ( CFPB ). I did not request the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Both my twin sister, father and I applied for membership for USAA based on my father 's XXXX XXXX, eligibility that my XXXX is a military vet with an honorable discharge. My account and identity was verified and i was able to establish a member number but Im not able to do anything else and I have sent in my father 's XXXX as requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
Company: JPMORGAN CHASE & CO.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26
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:
Equifax Credit Reporting agency continue to Report XXXX XXXX XXXX-STATUS as a CHARGE OFF.

XXXX XXXX ACCT # XXXX This Account was PAID IN FULL in the Magistrate Court in XXXX County in XX/XX/2015 with the Collection Agency XXXX XXXX. I even reached back to XXXX XXXX XXXX on last month, and asked for a PAID IN FULL LETTER. I have Disputed on Several Occassions concerning the STATUS REPORTING as a CHARGE OFF. Yet Equifax continue to respond to me about the BALANCE REPORTING XXXX. How can this Account Report XXXX  BALANCE and STAUS as CHARGE OFF at the same time? I have attached proof that is is Reporting XXXX  Balance and with a Negative Charge Off Status.

Equifax has the FULL Understanding that anything that REPORTS AS A CHARGE OFF Severly Deminishes your CREDIT SCORE.

I have worked deligently to Improve my Credit because I whole heartedly believe in Credit Worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Seterus, 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: Account information incorrect

Complaint:
In XX/XX/XXXX, I received notification from Seterus, my mortgage servicer, that my taxes went up over {$300.00} a month and I was expected to start paying the added amount as of XX/XX/XXXX. This seemed odd to me so I contacted the Tax Assessor 's Office and discovered an error was made. Unbeknown to me my property was incorrectly recorded as a sale on XX/XX/XXXX and was assessed as such. It was assessed at XXXX  price as opposed to XXXX  when I bought the property. The Tax Assessor sent me notification of the error ( attached ) and I forwarded it to Seterus. In the meantime I paid my regular payments but did not have the money to pay the added incorrect amount. I kept getting late payment notices with warnings of foreclosing. Seterus would not change the amount I owed for taxes until they received the next tax bill in mid-late XXXX eventhough I sent them proof that it was a mistake.. In fact, the Assessors office sent me a check for {$1500.00} overpayment for XXXX and both the Assessor and myself notified Seterus of the overpayment.

On XX/XX/XXXX, when I had the money, I spoke with XXXX  at Seterus and set up a payment plan so they would take no further steps consisting of 3 payments ending XX/XX/XXXX. However I paid it off in XXXX. When I discovered they reported me 2 months delinquent on my mortgage to the credit bureaus I requested XXXX XXXX to investigate.. Seterus still refused to remove the negative remark from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: JPMORGAN CHASE & CO.
State: NY
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:
Subject : XXXX XXXX XXXX compensation, refund, rebook Message : On Saturday XXXX XX/XX/XXXX, I was scheduled on XXXX XXXX XXXX XXXX. Because of equipment unavailability, the flight was delayed past XXXXhe point of the upcoming layover in XXXX for a connecting flight. 

XXXX XXXX did set up a ground transportation voucher, and a connecting flight from another XXXX XXXX XXXX XXXX 

However, I was not compensated for any meals or the delay. 
In addition, the refund for XXXX has yet to be processed, even though a significant time has elapsed. 
I also need to book travel ASAP for a replacement flight, and a significant refund is being held up for XXXX, in addition the only active XXXX reservation is giving an error message. 
This was booked through Chase Sapphire and this process would be a XXXX times easier if booked through an airline instead of them, but either way there needs to be a prompt and fair resolution to reverse fraudulent charges, and avoid further legal action. Chase is using a subcontractor that is under investigation for abusing consumers. 

XXXX XXXX XXXX customer service rep yesterday, Chase is using a 3rd party XXXX ending in XXXX expiration date XX/XX/XXXX. 
This is instead of my Chase Sapphire XXXX card ending in XXXX, that was billed repeatedly for the original transactions. 
XXXX XXXX XXXX reps were unable to book future travel or process refunds because of the third party payment system info Chase refused to correct. 
There should be notes from customer service reps about my account and the pending transactions that need to be completed. 
I also request a fair accounting of where and when financial transfers are processed and a written trail to document the movement of funds. 
Please kindly investigate, expedite, and process compensation, refunds, and/or flights to correct this most unusual situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Uber Technologies Inc.
State: NM
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: Overcharged for something you did purchase with the card

Complaint:
I was incorrectly charged {$230.00}. The correct charge is {$6.00}. Uber agrees this is the correct charge, but because they had trouble issuing the refund to my credit charge, Uber has issued an Uber credit instead. Uber credits are unacceptable. I am being defrauded out of cash in the amount of {$220.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Second Round Limited Partnership, Austin, TX Branch
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2018.iIwritten a debt validation letter to collection agency second round LP on a debt from XXXX XXXX they state their is a balance of {$800.00} the second debt they claimed i owe a balance of XXXX .i have not received any respond back after 30 days .i ask second round to remove the negative item off my report they send the debt off to another company.i also disputed the items with transunion .they have not given me any responds back either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I paid someone {$400.00} using " pay friends '' feature on the chime banking app. they have the information of the person i need refunded from because she is also a chime member. they told me they cant help me but i paid for something ive never received and i have all proof needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Below is a copy of the email I received.

LAST CHANCE TO SETTLE THE CASE CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$1200.00} CREDITOR - ACE CASH EXPRESS.

SETTLEMENT AMOUNT - {$400.00} This email is in reference to notify you that youhas been blacklisted ; yoursocial security number and banking accounts are under investigation thru major credit bureauXXXX.Youwould be receiving the court papers atyourmailing address as well as at employer placeasyoufailed to make the payment as per the agreement.

We are making an effort to several times to help you but you can't understand our concern. Lastly here is an arrest warrant because you had your chance, and now we're not interested with you to resolve this matter so kindly do not waste our important and exigent time.

We are sending your case file to our attorney as your outstanding balance has reached $ XXXX.We will also forward all your details to attorney regarding your negative approach towards your debt. In that a case you need to hire an attorney for yourself and we shall meet in the court house.

Once its proved that you have taken loan than you have to pay the total outstanding balance as {$4500.00} inclusive all charges.

One copy of your court papers will be forwarded to the correspondence references which were used by you when you committed the loan.

Regards Ace Cash Services ACE Cash Express , Inc .

( XXXX ) XXXX-XXXX XXXX XXXX XXXX:XXXX XXXX. to XXXX XXXX.Central Standard Time XXXX:XXXX XXXX. to XXXX XXXX.Central Standard Time XXXX:XXXX XXXX. to XXXX XXXX.Central Stand Sincerely, XXXX XXXX Ace cash Express Support

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Hi My daughter was given an American Express gift card for her XXXX XXXX. It was for XXXX dollars. We cracked open the sealed envelope that it came in and went online to register it. We see that the balance is only XXXX because someone used the number at a health store. I called amex to explain that the charge is not ours and can't be ours because we never revealed the numbers until today. So it seems that people have found a way to input random numbers and use amex gift cards fraudulantly. I called amex and they said the policy is that they will not take any action and it is our problem, not theirs. I spoke to a supervisor and she said the same thing. So basically, you walk into XXXX and purchase a sealed amex gift card. You go to use it and if someone punches in gift card numbers randomly and get approvals, you loose the money. I believe that is even against the federal law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-20
Company: EQUIFAX, INC.
State: NC
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 sent a request to the below mentioned credit bureau, along with a copy of my current drivers license as proof of my identity to have my name and address information corrected on my credit report because the reporting agency has published my personal information inaccurately. 

I asked that the following address and wrong spelling of my name be removed : 1. XXXX XXXX   XXXX ... .There is no middle initial in my name 2. XXXX XXXX XXXX ... .I do not have a middle name at all I've never lived at the following addresses : 3. XXXX XXXX XXXX XXXX XXXX, FL XXXX 4. XXXX XXXX XXXX XXXX XXXX, NC XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 6. XXXX XXXX XXXX # XXXX XXXX, NC XXXX 7. XXXX XXXX XXXX XXXX, MA XXXX 8. XXXX XXXX XXXX XXXX, MA XXXX All of the information from 1 thru 8 need to be deleted from my credit report, pursuant to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
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:
XXXX and Transunion are reporting me as 120 days past due on the XXXX XXXX XXXX and XXXX - partial account number : XXXX. These accounts have a {$0.00} balance and {$0.00} past due. This is harming my score. I have disputed this directly with the two bureaus but the coding has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

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 2020-10-02
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent many disputes throughout 2020 in regards to my issue with ID Theft. Last dipsute was sent to XXXX, Experian and XXXX  with zero resolution on XX/XX/2020. They are supposed to block the accounts within 4 business days and then do the investigation, the issue is they never were removed and pursuant to 605B of FCRA that is illegal. These accounts arent mine and not only that but XXXX  XXXX is refusing to remove the fraudulent account off of my credit. They say its verified and accurate. HOW DO THEY VERIFY THE ACCOUNT, someone took my information and openeed the account in my name and then used the account without me knowing. This is a serious matter and it is a felony and im not going to put up with being abused by the financial system.

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 2019-02-20
Company: AMERICAN EXPRESS COMPANY
State: LA
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:
Can not get thru to the bluebird American Express company phone lines. They are holding my money hostage! And they have not returned {$57.00} back to me. After I called them repeatedly time and time again all i get is nothing they have a long waiting list and I will have to called back later. But i can leave my phone number and my name and they will get back to me but they never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got notice of a termination of rental property insurance/home owners policy. I called them to see what's it about. They said it was because I was living in the house and it had to be switched to the regular homeowners policy ( which is what I've been trying to get for the last year ). But after all that they tell me that because I have a flag for credit card that I couldn't pay because I had to worry about survival first, it was charged off the insurance couldn't be updated. I got transferred to 3 different departments till I got to the resolution department. They told me it will remain in the charged off status till it is paid off. Which I get. They wanted XXXX within a year, which I can't say ya or nay because I am still trying to get my life fully going again. When I asked if I agree to the terms would it lift the flag she tells me She doesn't know because that's up to the insurance side. Of course the insurance side is the one that said the collection department had to do it. Now I'm going lose my homeowners insurance because they don't want to help. I understand that I owe them for the credit card but I also have to think of survival too. But these are 2 different accounts. And I guess they don't understand survival first. I guess they don't want me as a customer anymore too. I was going to start paying on it as soon as I was able but it shouldn't affect the insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Experian Information Solutions Inc.
State: DE
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 concerning Experian Credit reporting. I have sent them letters as my attorney did and they refuse to correct my credit history/report. 
XXXX XXXX XXXX is breaking PA law : Pennsylvania Motor Vehicle Financial Responsibility Law, 75 PA C.S. 1797 ( b ) ( 7 ). and refuse to remove this fraudulent reporting by this company.

XXXX  was a stolen gas card.Purchases were made in CA and I reside in PA. XXXX  called me to inform me of the fraud and told me they would close the card as they did and I agreed. XXXX  & Experian refuse to remove from my credit history after they been shown the information as FRAUD

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 2023-02-03
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian is publishing obsolete account information regarding XXXX XXXX XXXX XXXX accounts ending : XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX These accounts are old, FCRA prevents obsolete information from being published or reported if older than 7 years.

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 2023-07-14
Company: ERC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft which is causing fraudulent accounts to show up on my credit report. My consumer rights are being violated. I know it is illegal to attempt to collect an fraudulent debt when the company know the debt is fraud. I have informed these companies that I do not owe the alleged debt and it is fraudulent. I demand that they remove these fraudulent accounts from my credit report and cease and desist all forms of communication. I have attached my drivers license and FTC Identity Theft Report as well. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Commonwealth Financial Systems, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
COMMONWEALTH Financial for {$65.00}. The collected the debt in XXXX of 2017. While checking my credit I noticed a collection agency reported me to the credit agency for having a debt. At no time did they call me or write me to inform me about this debt. The only reason why I knew about this is because I checked my credit score. I have paid off the debt immediately however this is poor practice and is hurting my score. Luckily I was trying to buy a home and find out about this down the road since they weren't making an effort to collect but just report. Once I called I was not offered any chance to dispute. Once I paid, I was notified it could take up to 45 days for it to be cleared from my credit report. I find this unacceptable.

Company response to consumer: Closed with explanation