BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-22
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
At some time mid XXXX, I became a victim of a scam based on the lies of a loan company after applying for a loan, on line. As a result and many 'conversations ', the bank, Chase Bank , first said they were closing my account after a suspension of my access to the account, this was maybe early to mid XXXX ... which they never did despite telling me repeatedly that was the 'process ' and the 'bank ' had made the decision to close the account. 

My access being 'limited ' I could not watch the flow of what was taking place. Calling the all access, automated number I could listen to what was taking place. Plus I had different companies calling me telling me my payments had been paid at first but then reversed ... telling me I owe them more money. 

Not only that they, Chase Bank, kept my Social Security check to cover some of the money they say I owe them stemming from the 'scam ' I had been exposed to. There are several actions with that Social Security check such as a debit, a credit & a returned ... what does that even mean? 

While I have tried to communicate over the phone, everyone transfers me around until I speak to a department with a bad telephone connection. Most times with the same accent of those who pulled the scam. Ends up being no direct answers, just more lies & confusion or putting me on hold until there is a disconnection. 

Went in to a branch at least twice and got told more lies about the disposition of my Social Security check plus confusion with statements like 'call this number ... they will be able to tell you more, I have no more information ' ... same number I was calling that had the bad connection every time I called. 

Truth be told, after all I have gone through attempting to resolve this issue, I truly believe the bank was part of the 'scam '!!!! My account, per telephone automatic system in now {$3100.00} dollars 'overdrawn '. This even after reversing legitimate payments I have made to merchants & holding my Social Security Check ... the whole thing, plus all the lies I was told about my stimulus check ... which they sent back to the sender. 

Something is not 'legally ' right about the way this was handled, the lies I was told, the lack of information & the activity on the account even after I was blocked from seeing what was taking place. I can no longer go round & round!!! 

I was the one who was scammed based on the lies I was told by the scammer. I would have chosen different if the truth had been told. Instead I feel as though I am being scammed again by the bank ... they are even taking back money that was truly owed to merchants ... this can't be legal!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Eastern Account Systems of Connecticut, Inc.
State: IL
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:
This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX XXXX XXXX XXXX XXXX buying defaulted notes is a violation of UCC 9-110 and UCC 2- 401. This company has stolen my identity unlawfully and is trying to extort money from me. They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with EASTERN ACCOUNT SYSTEM INC. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). EASTERN ACCOUNT SYSTEM INC can not and will not ever produce a contract between me XXXX XXXX and EASTERN ACCOUNT SYSTEM INC because that contract does not exist.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE
Product: Credit card or prepaid 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:
XXXX and XXXX XXXX signed up for the USAA Cashback Rewards Plus XXXX XXXX  Card that advertises 5 % cashback on the first {$3000.00} ON BASE, 2 % on supermarkets up to {$3000.00}, and 1 % all other purchases no limit. 

We made 5 purchases all on base, and the first three cleared ( 2 x commissary and 1 x shopette   ) and was not paid 5 %. In fact the shopette purchase appears to to have been paid 1 % and the two base commissary purchases at 2 % ( default for grocery ). 

On XXXX XXXX, XXXX contacted USAA on chat and phone only to be told that the merchant code for the COMMISSARY that is clearly part of the transaction name is " grocery '' and so they won't honor 5 %. 

On XXXX XXXX, XXXX contacted USAA on chat and asked for an example of a merchant code that WOULD qualify as an on base purchase and they said they can not provide. 

I suspect that USAA knows there is NO merchant code that actually signals an on base purchase and thus they will NEVER pay the 5 % cash back up to {$3000.00} because the merchant codes are reported by the actual store. 

Additionally, USAA is a military oriented company. The commissary, shopette, and exchange are common to EVERY military member and their families. If they are a company that requires military affiliation, but then can't understand that almost ALL commissaries, shopettes, and exchanges are ON BASE then they are clearly roping service members in only to not uphold their end of the deal. 

*Details of the program and links are included in the attachment

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05
Company: Comerica
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I have been trying to get ahold of a representative for days now ( 3 days approximately ). I cant get anyone to help me to fix my issues of scheduled payments being declined for bills and rent. Money is on there but dont have access. It started on the XXXX of XXXX XXXX.tried calling multiple times but keep getting a recording saying to try call later and then it hangs up. Cant even wait on hold!! I have tried calling early morning, afternoon and early evening and even late night. Its suppose to be XXXX. They have no other option of communication except one phone number to call. This happened a couple of months ago also, took me over a week for me to get someone!! In the meantime I cant pay my bills and will have to pay late fees and penalties!! DirectExpress is terrible!! XXXX XXXX XXXX wont even take complaints because its the government which is crazy. I need to speak to someone like now! I am looking into getting my benefits changed to a new card, but I need my money now and bills rent have to be paid. What are my options? Please try and find out whats going on with this and let me know what their explanation or excuse is. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This identity theft issue has affected my ability to obtain any credit to financially take care of myself and my family.

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 2022-03-07
Company: U.S. BANCORP
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I had my account hacked on five different charges from one company, us bank gave me the money back but now are saying that I owe the money because I had to open a new account. They didnt close the old 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 monetary relief
Consumer complaint received 2017-11-06
Company: EQUIFAX, 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:
From XXXX - XXXX, I have CONTINUOUSLY BEEN A VICTIM OF IDENTITY THEFT I have reported this to all three Credit bureaus on a number of occasions Equifax XXXX XXXX To date I still have 4 Fraudulent accounts listed on my credit report 1 ) XXXX XXXX 2 ) XXXX XXXX 2 accounts 3 ) XXXX XXXX XXXX In addition, these account and other fraudulent accounts or attempted accounts have created Fraudulent Inquiries which also MUST BE REMOVED 1 ) XXXX XXXX XXXX 2 ) XXXX. ( 2 Inquiries ) 3 ) XXXX XXXX ( 2 Inquiries ) 4 ) XXXX 5 ) XXXX. ( 2 Inquiries ) 6 ) XXXX XXXX 7 ) XXXX. ( 2 Inquiries ) 8 ) XXXX XXXX 9 ) XXXX 10 ) XXXX XXXX 11 ) XXXX XXXX 12 ) XXXX XXXX 13 ) XXXX XXXX  14 ) XXXX XXXX 15 ) XXXX XXXX 16 ) XXXX XXXX 17 ) XXXX XXXX 18 ) XXXX XXXX XXXX 19 ) XXXX XXXX 20 ) XXXX 21 ) XXXX XXXX 22 ) XXXX XXXX XXXX XXXX 23 ) XXXX XXXX 24 ) XXXX XXXX. 2 Inquiries ) 25 ) XXXX  XXXX 26 ) XXXX XXXX These fraudulent accounts and inquires are Incorrect and Misleading and by federal law MUST be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: NJ
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:
I, XXXX XXXX am writing this complaint under no influence of any third party agency. Please see the attachments below as it contains my complaints and request.

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 2021-04-16
Company: TD BANK US HOLDING COMPANY
State: TX
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:
On XX/XX/XXXX a payment was made XXXX {$150.00} cleared my account however not credited towards debt. 
XX/XX/XXXX I was made aware of the past due account and that XX/XX/XXXX payment had not been received. Spoke to collection group who was dismissive and stated it was my responsibility to reach out to customer service to resolve missing payment. Contacted customer service same day and after XXXX minutes of waiting on hold I hung up. Then submitted online billing dispute form reference # XXXX - to date XXXX resolution. Same day XX/XX/XXXX called customer service number provided remained on hold for just at XXXX minutes before being disconnected. 
From XXXX through XX/XX/XXXX there were a total of 6 calls to customer service and not once was I am able to speak to a customer service representative. 
On XX/XX/XXXX I logged on and submitted by first of five online messages through the TD Bank portal describing my issue and providing proof. Each submission was " resolved '' according to TD Bank within XXXX hours. I have since been blocked from access to my account online. And the only way to reset access is through the XXXX customer service line that no one answers. 
I finally submitted a written notice to them of the error on my account within my 60 day window on XX/XX/XXXX. I provided proof and a description of the issue. On XX/XX/XXXX they responded that they were still investigating. On XX/XX/XXXX almost 120 days after my letter and over 180 days from when my payment was made, I was notified they were unable to locate the payment. They continued to point out almost sarcastically, " Futhermore, due to short payment, a late fee totaling XXXX was assessed ... ''. They further stated it was my issue and if I still felt an error, I needed to provide further proof. At this point I am submitting a tracing of the funds although I doubt this will resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-07
Company: The Bureaus, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call from XXXX XXXXXXXX XXXX demand the balance of an account for about XXXX. I updated my information with the representative. I am aware I fell behind with some creditors. My contact phone number was verified as well as home address. We did discuss arrangements. I did advised the representative that I need to look over my paperwork at home as well as my finances. They did try to reach me later that week, but I was not at a place I could discuss the matter, or unable to answer my phone at all. Then they started contacting family members to reach me. Which is a violation under the FDCPA. We had verified contact information previously. There was no reason to believe the voicemail that IDs me was incorrect, nor was there return mail from my address. I have since requested information via mail only. 
I have since emailed them twice to validate the account that was purchased by a third party. They have failed to validate the account with information pertaining to the fees that have incurred and applied. Also they have not removed it from my credit if the charges and balance ca n't be verified. 
First request was emailed on XX/XX/XXXX and second email was sent XX/XX/XXXX. 
As of the second email, the company has not validated the debit properly, but still reporting it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
TransUnion reported in CFPB complaint ID XXXX Closed Marked as a duplicate complaint on XX/XX/2019. Closure is corrupt because not resolved, for more than 1 year, the attached 37 issues and I can not temp remove credit freeze. Please immediately email XXXX all 37 resolutions or removal from your now corrupt credit file of me and immediate temporary, say 48 hours, lifting of credit freeze. All attachments are critical. Thank you.

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 2019-06-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a credit card with XXXX  XXXX with a special 1 year interest rate. I paid the balance off before the specified time period and the card had a XXXX balance. A year ago I charged more items on the card and once again paid. 6 months ago I charged several hundred dollars and paid again. I paid the card off last month and after the card was paid the company added XXXX in finance charges. The card was set to pay off the balance the company went back and added finance charges onto a balance that paid off and from normal use of the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Incorrect Information listed.

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 2022-03-07
Company: Self Financial 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: Problem with personal statement of dispute

Complaint:
When I first signed up for Self I paid three months in advance. My account was originally supposed to end in XXXX of XXXX, however, since I paid three months prior, it ends in XX/XX/XXXX. Self is reporting to the Credit Bureaus that I have been late for the Month of XX/XX/XXXX BUT as I stated before, I paid three months prior. So youre meaning to tell me my account ends early since I paid three months in advance but its not eligible to be reported as PAID in XXXX. It makes no sense whatsoever! I have sent a GOODWILL request to remove the FALSE INFORMATION that is being reported but theyre not complying. Theyre stating my account is only eligible to be paid one month in advance. If thats SO TRUE, why is my account ending in XXXX OF XXXX if its supposed to end in XX/XX/XXXX if you all dont accept three months in advance payments? This FALSE late payment on my credit profile is hurting my reputation to other companies when in fact I have paid my account not only ON TIME but 3 months in advance early! Please have this issue resolved as it is not fair and accurate to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19
Company: EQUIFAX, INC.
State: IL
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 been in contact with XXXX as well as XXXX, Equifax and XXXX. Equifax has removed some of the accounts but there are still 5 posted on my credit report. XXXX and XXXX have refused to take any of the 6 accounts off of my credit report. I have never signed any agreements with XXXX. I have nevwr had a loan with this company. I sent notices since XX/XX/2017 to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing this complaint because XXXX XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. I have requested for the original contract papers with my signature to prove this debt is valid. It has been well over two weeks and I have yet to get a response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been disputing charge off accounts on my consumer report that were previously all removed in XXXX or XXXX on XXXX all accounts were removed then added back without explanation I was never notified within 5 days that those accounts were being rescinded back on to my consumer report. once they are deleted they should have never been reinstated back on my consumer report. I am only finding out why those accounts were added back on my report as of Monday XX/XX/XXXX of 2022 because I disputed those accounts again and was just told why it got added back previously as per Experian reps.i was told they will not be doing a reinvestigation into this dispute. Experian told me the credit granters have subsequently certified theses accounts accurate I have requested the methods and documents one verification in which I still have not received any. these accounts need to be removed again immediately as they should have never been reinstated in the first place once removed. I submitted identity theft claims for them to block the information because my information was compromised. 


Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of XXXX, XXXX, EXPERIAN have aided this fraud by not properly verifying these accounts. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) That you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. again these accounts need to be REMOVED permanently immediately.

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 2021-09-13
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identity Theft! The information that has been provided by the company who purchased this debt does not reflect to be true. Therefore this must be a case of ID Theft. Furthermore, Midland Credit Management from their own admission is not the original creditor and would have any contractual agreements that showcases any obligation that I would have if this was not a case of ID theft.

Company response to consumer: Closed with explanation