BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-17
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
As of today XX/XX/18, at approximately the XXXX EAST I have been unable to make purchases, check the card balance via telephone or online and get money from an ATM machine. There is money available on my card from a payroll direct deposit and the card website states it's unavailable because of scheduled maintenance and when I contact them via phone an automatic.recordng states that " their system is updating, please call back later ''. I tried using an ATM and the receipt states to contact my financial institution. I have been unable to use my card for almost two hours and I need to access my money ASAP. The company has not provided any source of information as to what is going on because no one is answering their phones. I have no access to my cash and no understanding of why. This is a prepaid card and the money that is there is mine. There was no information sent about any scheduled maintenance that was going to happen during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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/XXXX I sent a certified letter to XXXX XXXX requesting validation of several accounts they reported on my credit report. They responded by sending me a spreadsheet from XXXX XXXX XXXX which violated my HIPPA rights. I sent a certified letter again in XX/XX/XXXX and XX/XX/XXXX requesting validation that these accounts were mine. I never received a validation with my signature that these accounts were mine. Therefore, I sent a certified letter to both XXXX & Transunion in XX/XX/XXXX requesting an investigation regarding these accounts. I sent a final request to XXXX  & Transunion in XX/XX/XXXX by certified letter, requesting validation and removal of these accounts. To this day these accounts remain on my credit report with absolutely no validation via signature that they belong to me. These accounts are also being reported on my husbands credit report ( 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 2019-01-15
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened the XXXX credit card to use on a recent vacation. after i got my first statement I realized the account had a annual fee of {$49.00}. I was very disapointed to get this fee when none of my other credit cards have annual fees. I contacted the bank requesting to waive the annual fee. to my surprise they declined my request. i am giving one last chance to have that annual fee waived at least for this time, before i am forced to closed all my Chase accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Someone had my debit card information and used it to set up a XXXX XXXX  wallet. They pretended to be Chase Bank calling about fraud in my card. 

Scammer then used XXXX XXXX  to purchase about {$140.00} in gift cards at a XXXX in XXXX, VA. 

Chase refuses to refund the money that this scammer stole.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-10
Company: Experian Information Solutions Inc.
State: PA
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:
Greetings, I have initiated a multiple disputes with EXPERIAN over the past few months to remove unauthorized/unknown Inquiries that they have failed to fully validated that I initiated. It has been well over the 30 days given for EXPERIAN to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to EXPERIANincluding my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized/unknown Inquiries belongs to me aswell. Below are the reporting Inquiries that should be REMOVED / DELETED from my EXPERIAN credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 4 ) XXXX - Date Filed : XX/XX/XXXX 5 ) XXXX   XXXX XXXX  - Date Filed : XX/XX/XXXX 6 ) XXXX - Date Filed : XX/XX/XXXX 7 ) XXXX - Date Filed : 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 2020-10-12
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Filed a dispute with Credit Bureau stating that I never had a CONTRACT with the negative information that is listed on my credit report. The Credit stated that they verified the debt was mine. How could you verify something is mine when IT IS NOT MINE. 


I want Equifax to delete that negative information that is being reported for XXXX. 
XXXX is the 4th collection agency that have tried to place negative information on my credit report. I DO NOT have a CONTRACT with them, never had a CONTRACT with them and Equifax is being neglect because there is no way that they could have verified that when I never had an account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Doctor 's office charged me for a broken appointment last XXXX. I had called and personally spoken to the receptionist and cancelled the appointment. She asked me why and I told her.

I have received bills from the Dr. 's office, the bill collection agency, and repeated phone calls about this bill.

I have written letters to the Dr.s office and the bill collection agency explaining what happened. I have made repeated phone calls to the Dr.s staff and the bill collection agency explaining that the appointment was cancelled and I should not be charged. Nothing has worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, 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:
Transunion denied me my free annual credit report, claiming I had already received it. I used the XXXX  site to request my three reports. While on the Transunion site I encountered an error which cause the site to fail to proceed. After reattempting to request my report I was told I had already received it. I had not. Of course, they then attempted to sell me a 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 non-monetary relief
Consumer complaint received 2018-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX two checks were submitted for payment and they were enough funds in XXXX XXXX XXXX business checking account to cover the payments for the checks. There was also a hold put on the account for payment the next business day of XX/XX/XXXX,  in which they were funds to cover the hold payment. Instead of Bank of America paying the two checks, they returned them and charged the account two returned items fees of {$35.00} each in addition to an overdraft fee of {$35.00}, that total {$100.00} in fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the companies listed have violated my rights. 

XXXX XXXX Account # XXXX Reporting to XXXX and XXXX Only! They are violating my rights! 

XXXX XXXX Account # XXXX Reporting inaccurate information to all 3 credit bureaus. Reporting different amounts and dates! They are violating my rights! 

XXXX XXXX XXXX XXXX  Account # XXXX Reporting inaccurate information to XXXX and XXXX XXXX They are violating my rights! 

XXXX Account # XXXX Reporting to TransUnion and XXXX Only! Violating my rights! 

XXXX Account # XXXX Reporting to TransUnion Only! Violating my rights! 

XXXX Account # XXXX Reporting to all 3 credit bureaus! Violating my rights! 

XXXX Account # XXXX XXXX to TransUnion Only! Violating my rights! 

XXXX XXXX Account # XXXX Reporting to XXXX and TransUnion Only! Violating my rights! 

XXXXXXXX XXXX XXXXXXXX Account # XXXX Reporting inaccurate information to XXXX and XXXX XXXX They are violating my rights! 

Untitled {, Collection/Chargeoff, Consumer disputes this account information Medical Subject has not satisfied debt. } Account # XXXX Company is untitled and does not have a name! Reporting to XXXX OnlyThey are in violation of my rights! 

Untitled {, Collection/Chargeoff, Consumer disputes this account information Medical Subject has not satisfied debt. } Account # XXXX Company is untitled and does not have a name! Reporting to XXXX XXXX are in violation of my rights! 

XXXX XXXX XXXX Account # XXXX Reporting inaccurate information to XXXX and XXXX XXXX They are violating my rights! 


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 : States a consumer reporting agency can not furnish an account without my written instructions.

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 2021-09-03
Company: EQUIFAX, INC.
State: IA
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 sent a dispute letter to Equifax a few weeks ago and havent heard anything back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Experian Information Solutions Inc.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian has boost which shows you pay your bills every month. They use your checking account. They could not find my mortgage payment to XXXX home loan even after I called them twice and talked to them. Now they are saying I am not paying my electric bill because they can not find it. It is listed as XXXX every month on my checking account. All bills are auto payments. They send me emails saying apply for this card and it will improve your credit score.  I applied to one of the cards they send that was through XXXX  XXXX XXXX. XXXX   XXXX XXXX denied it because of the report from Experian. Experian then dropped my score 100 points because of this. I work as a XXXX  XXXX  and have tried to get it on my credit report but they will not put it on they say on of my creditors has to put it on so it looks like I have a low income. I have been with XXXX for over 10 years and I can't get it added to Boost. My credit score should not be listed as poor. Experian is destroying my credit. Could you please help me with this.

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 2021-07-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX I had an unauthorized charge to my checking account by XXXX in the amount of {$190.00}. I believe I was the victim of identity fraud and my credit was used to open up a fake cellular phone account. I placed a credit freeze with XXXX, XXXX, XXXX, XXXX, and XXXX. I notified Chase bank and they are currently investigating. I also filed an identity theft report with the FTC. And I contacted XXXX, but they were not helpful and were unsure of what action to take.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-09
Company: Paypal Holdings, Inc
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
i have had an account with Venmo for a while and I noticed my ex who has an extensive habitual gambling addiction, had yet again used my Venmo account to fund his online gambling accounts. This had been an issue previously and I reported it to the gambling site/s as well as Venmo, and my money was returned and things were settled quickly. However this time after returning the funds to me i was not able to delete nor add any new bank accounts or cards, I was however able to send {$50.00} to my mother who was able to give me cash. After that they said that I had violated some terms and that my account would be permanently closed and any funds could be held up to 180 days for liability purposes. Meanwhile the investigation was completed and the temporary credits where now permanent and was ruled in my favor, still they refuse to let me transfer my funds and stating I had to wait the full 180 days unless contacted by email and told otherwise. 

This is absurd considering this was a repeating occurrence, XXXX saw in my favor as well as Venmo, I was able to use some of the funds already, and I never violated any agreement! I am fine with my account closure, I just could really use the funds and would like them be released to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: CCS Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted XXXX XXXX on several occasions over the span of the last two years. They list a collection account from XXXX XXXX on my credit report. However, I have never had insurance through XXXX, only through XXXX. Despite numerous requests to have the information removed from my report it continues to persist.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: NV
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: Old information reappears or never goes away

Complaint:
I have ordered my report from Clarity, and I notice a company on my account from XXXX and I have no knowledge of this account at all.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 explanation
Consumer complaint received 2020-07-30
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My case reference ID with PayPal XXXX I used PayPal direct deposit to receive benefit payment into my account which was a total of XXXX usd On XX/XX/20 PayPal then limited my account same day I was unable to withdraw funds or even send money I contacted PayPal immediately on XX/XX/20 PayPal only response to me was they couldnt do anything my money was to be held for 180 days and that was it I have bills to pay that cant wait for 180 days to come I contacted PayPal on several occasions throughout the week and only got a sorry theres nothing we can do

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX we closed on a construction loan, after several delays by Wells Fargo, they overcharged us {$5000.00}, we received a letter on XX/XX/XXXX that they acknowledged overcharging us and giving us a check for that amount. But then, the same day they charged to our loan the same amount {$5000.00}, so in fact they did not refund, they charged back to us to repay again. I have attached my initial letter to them and all of our statements showing the where they charged back to the loan and never credited back and all of the statements with them. We tried on several occasions to resolve but they never followed through, so not only did we get charged for that, we were charged for the interest.

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 2019-01-15
Company: Experian Information Solutions Inc.
State: PA
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:
Experian XX/XX/18 Report # XXXX Errors Page 15 of 16 Under Notices XXXX XXXX XXXX XXXX is not a Retail Trade Business as stated by Experian. XXXX XXXX XXXX is a Residential Address.

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 2020-06-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter to Nissan Motor Acceptance on XX/XX/20. The letter was a Request for Debt Verification and Cease and Desist. They received the letter XX/XX/20. We did not receive a response from them at all. We reported it XXXX  and other bureas. XXXX  will not remove/delete the debt from our credit report.

Company response to consumer: Closed with explanation