BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had the American Express card for over 4 years and never missed a payment. From {$2000.00} my limit is now {$13000.00}. Last night while I still had over {$9000.00}, I tried to make a purchase and it wouldn't go through. I called Amex and was told my limit had been reduced from {$13000.00} to {$3900.00}, the exact balance on the card. My limit was reduced in the middle of a transaction. I had checked my balance before trying to make the transaction. I was told my limit was cut because I have not been making payments and my credit score is low which is very untrue. I have never missed a payment or made late payments in over 4 years and there is nothing wrong with my credit score. I could not complete the transaction and I was left stranded because now I can not pay for the bid I won at a car auction with XXXX  This drastic action will also hurt my credit score and raise my credit card utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have an established XXXX  I buy sell and trade electronics sports cards game consoles I have business account and credit card with chase over the course of the week I have order a chase XXXX  XXXX  card reader that I got last Friday I used it for the first time Saturday expecting payment be in my account Sunday midnight after Tuesday I contacted merchant services who told me the payment is under review and would not tell me why then receive email to sum not documents showing products ein and other information sent it immediately then get email saying my account close to high risk and I can submit a reconsideration which I did and they upheld they decision and for no reason sent my payment back to consumer so now i dont have the items gym shoes and dont have the funds for my products and they XXXX party company who handles quick accept telling me to contact the buyer to recover funds or money which there is no way for me to do so and from. What I seen on XXXX Im not the only they been doing this to i was told the money be held for 30 days then all sudden its being sent back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter well over 6months ago to remove personal information that does not belong to me and I do not want them reporting on my credit report. According to the Fair Credit reporting act XXXX USC 1681, I have the right to privacy. Also according to 15 USC 6802 no financial institution isn't suppose to share information to third party people. These are clear violations of my my federally protected consumer rights.

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 2023-03-02
Company: JPMORGAN CHASE & CO.
State: VA
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:
I upgraded my XXXX credit card to the XXXX XXXX card in response to an offer solicited by Chase. I received the card and the welcome packet clearly says I will receive {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I followed the instructions and registered my card with XXXX. However, I never received the XXXX XXXX. I called Chase 3 times. They said they will inquire about that. However, I received a letter from Chase saying that they acknolwedge that I am supposed to receive the stated benefit but they are " not responsible for fulfiling it ''. The letter says I need to contact XXXX for that. I called XXXX, and of course, they have never heard of that Benefit from Chase and did not know anything about that offer and told me I should contact Chase. 

This is clearly an advertised offer made by Chase and Chase should be responsible for fulfiling it. It is really ridicoulous that Chase says XXXX should be reponsible for that, not them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had 16 months of exceptional payments with Capital One Bank and I sent a goodwill letter because I was going through hardships and I couldn't pay it on time. Despite sending the goodwill letter Capitol One Bank still wants a payment. I paid a settlement amount of {$280.00} in full and I spoke to a representative from the collection agency and kindly asked them to delete the negative reports on my credit report they refused to do so. This is unfair practice and after making a full payments this deragotory item remains. This is hurting my ability to get credit I need help to get this removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I applied for my XXXX XXXX XXXX XXXX I received a response from XXXX that I had already received my credit report in the last 12 months. That is a false statement. XXXX stated I needed to provide proof of my address. Yet they sent the notice to that address. My address does not prove my identity which is why when you complete the request you provide name, birth date and social security number and address. 

The credit bureaus already have all the information and all that needs to be done is to verify my identity. They are refusing to provide MY credit report. 

I have also tried calling, but I just end up getting shuffled around a call tree with no results.

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 2023-04-14
Company: National Credit Systems,Inc.
State: GA
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:
XXXX XXXX XXXX  reported broken lease XXXX. They also reported debt for repairs to the apartment unit totaling {$1100.00}. These repairs were requested by me to be fixed and the office never took care of them. I was diagnosed with XXXX at the end of XX/XX/XXXX and was unable to return to work. I am XXXX XXXX and this had no additional sources of income. I applied for rental assistance to assist with rent from XXXX as that was the duration of my lease. During this time of waiting on the assistance to come in, eviction was filed. Payment was received and processed and according to management the eviction was reversed. Upon trying to move I was denied by several other apartments due to an eviction on my credit. I requested proof of reversal and never received one. Unable to move at the end of my lease, I accepted the rental assistance through XX/XX/XXXX. Management requested I renew my expired lease and I declined due to the lack of response to complaints by management. In response the office decided they wouldnt accept any funding from project reset and submitted a 30-day vacate notice. They then charged me {$980.00} in lease termination fees, {$100.00} in late fees and {$490.00} in month to month fees. I did not terminate the lease and was not able to provide payment outside of the assistance. I vacated the unit on XX/XX/XXXX. My credit report shows a balance of {$2700.00} and I did not sign off on this, I notified the apartments that this was incorrect and asked them to submit an accurate bill. This was not done. The credit bureaus have not removed this from my report and the collections agency National credit systems is still submitting this debt to my credit report. I have since been unable to lease a new apartment and there has been no resolve. This report is inaccurate and I have copies of my lease, the unsigned bill, and communication with management to support the series of mentioned events. Im requesting this be removed from my credit report due to inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
US Bank still over XXXXXXXX XXXX for my savings account from XX/XX/2021 to join XXXX from XXXX and some grand to XXXX  in my savings within one month they claimed to not know whats going on that I didnt have a bank account with them that they sent me letters out and never received them but they wouldnt give them to me. Theyve been giving me the runaround forever. I dont know what else to do. Ive already checked my check change my checking account number twice before that Because I had issues and I am pretty sure I know that it was a inside job from a employee who worked at the bank where I banked with inside of 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 explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions Inc.
State: TN
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 several occasions I have sent several letter to the credit bureau explaining to them that accounts showing on my report is not mine. Each time the bureau would reply and state verified. I have ask them to show proof and verify the account is mine, such as contracts, signature. By law they have to show me proof if they are reporting this on my credit file. They are not removing the accounts. This is hard on my life and now in a pandemic covid 19, I can not get any assist with these errors. They have failed 3 times to show me their method of verification. 
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 explanation
Consumer complaint received 2022-02-28
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX, I received emails from Wells Fargo reporting changes to my phone number and email address. changes that were not requested by me. I am currently abroad, and I contacted the fraud service numbers. The person who attended me took my complaint and told me that he would block the management of the account via the internet and that I could continue using my debit card. For my claim they created an attention number. Then on XX/XX/XXXX I tried to use my debit card and it tells me that I do not have enough funds. Since then I have tried through the customer service numbers to give me information about the funds in my account and in XXXX  times that I have called the answer has always been the same ( you have to go to a wells fargo agency and personally request the information ). I am a non-resident and I am waiting for a tourist visa which may take until XX/XX/2022. I feel totally unassisted by the bank with that answer and I want to know if I can get an answer through 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 2020-03-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
After reviewing my credit file i've notice a few accounts and a Bankruptcy that doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: NV
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear TransUnion Dispute Center, I am writing to formally dispute and seek the correction of inaccurate information on my credit report, specifically related to Employment Information and Addresses, in accordance with XXXX XXXX compliance standards. 

1. **Employment Information Dispute : ** The reported employment information pertaining to " XXXX XXXX XXXX is inaccurate and not in alignment with XXXX XXXX guidelines. I request a thorough investigation into this matter and prompt correction to ensure compliance with the XXXX XXXX XXXX XXXX. 

2. **Addresses Dispute : ** The following addresses reported do not adhere to XXXX XXXX standards and require immediate attention : - XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I urge a meticulous examination of these address entries and the subsequent correction to align with the XXXX XXXX reporting requirements. 

In compliance with XXXX XXXX guidelines, I am prepared to provide additional documentation for address verification. Enclosed is a copy of my cell phone bill, which serves as a substantiating document meeting the requirements of XXXX XXXX reporting.

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: EQUIFAX, INC.
State: CA
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Nelnet is unresponsive. My repayments are scheduled to start in XXXX, but the payment of {$5600.00} per month is impossible for me to pay. I've tried to apply for an alternative repayment plan ( XXXX or XXXX ), but Nelnet will not respond. It has been several weeks. I uploaded financial documents and email them often, but no response. Also, I'm concerned because Nelnet has not factored in the years of payments I've already paid. All of the plans lost 25 years of repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: Lending Club Corp
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have an installment loan with Lending Club. For the last few months I have been making more than the minimum payment. Thereby reducing the principal each month. This has reflected in a reduction in the interest I owe them per month. On XX/XX/XXXX of this month I added {$600.00} more to the payment. I always call in the payment to instruct them to reduce the principal with the added money I am committing as I did on XX/XX/XXXX. The phone call is always prefaced by a recording which states that the phone call is being recorded and it is an attempt to collect a debt. As always I instructed the agent to apply the additional payment to the principal and I would be making XXXX 's payment as scheduled. She acknowledged the same. The following day I checked to see how much of a reduction in interest there was based on the prior months additional principal payment. To my surprise I saw that lending club took it upon themselves to pay XXXX 's payment and hit me with a whopping {$270.00} interest charge instead of an approximated {$180.00} charge. 
I immediately call them on XX/XX/XXXX. After 1 hour and 21 minutes on the phone with them after being transferred to 3 other people I was advised it would be corrected in 24-48 hrs. I called on Friday XXXX XXXX after waiting 52 minutes in a queue, I was advised that it was approved and would reflect no later than Monday XX/XX/XXXX. After checking on Wednesday XX/XX/XXXX I saw nothing was done. I called again and was told the only option I had was to make an additional payment but the interest would not be refunded or adjusted accordingly. 
I have since checked their reviews and come to realize after the fact, that this is customary with this company. It surely smacks of fraudulent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was the victim of fraud by my sister. She has taken my identity, created fake ids, addresses and information. I have beeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so I did not have a grasp on the situation and all of the true identity theft. I have prosecuted my sister and won the judgement to have the debts removed but yet they still remain. I have contacted all of the credit bureaus and provided the judgement inwhich they said they had it blocked and then unblocked due to the company submitting information but this information was never sent to me. The judge said if I had anymore trouble to submit but I have not been sent information from these companies inwhich I will list below. Also I have been at my address XXXXXXXX XXXX XXXX, XXXX XXXX, MI XXXX for over 3 years and all other addresses are due to fraud that my sister has created fake ids and information on. 

I have contacted XXXX, XXXX, and transunion on the following addresses that they refuse to delete : Addresses that are not mine are XXXX XXXX XXXX, XXXX MI XXXX and or XXXX XXXX XXXX, XXXX XXXX, mi XXXX and XXXX XXXX XXXX, XXXX mi XXXX. 

I have contacted XXXX, XXXX, and transunion on the following accounts that they refuse to delete : XXXX XXXX opened XX/XX/XXXX  ( XXXX, XXXX ) XXXX ( XXXX, XXXX ) XXXX XXXX  XXXX XXXX XXXX Transunion, XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX Transunion, 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