BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I went into the branch of Chase Bank and requested sheet of checks .. The Bank Teller asked which account I wanted to cks printed from and I provided that to her..Checks were printed ..I wrote the checks and when they came in they came into the wrong account which caused the account to be overdrawn. I recvd a {$35.00} Fee and I called customer service and was told I would have to go into the Branch and discuss.. .I explained it was a BANK ERROR and how they could not help me as they have in the past ... Bottom Line this was a BANK ERROR ... The funds were AVAILABLE but in the account in which I had requested the checks to be printed from!!!! I have been w. Chase for over 10 years!!! The fact I was given this kind of grief over {$35.00} is pricesless. I work at Esurance and deal with customers each and everyday ... clearly the difference between myself and Chase is I show EMPATHY to my customers! And I do n't act like the $ from my company is MINE and if there was an error I would be happy to handle ... I am a single mother so money is tight.. I work XXXX jobs and explained to not only XXXX in customer service who took the call but her ALLEGED supervisor XXXX from the Texas Branch I simply DONT have the time to go to branch to sit in a line to discuss a fee of {$35.00} ... Bottom line this is a BANK ERROR and I should not have been given ANY grief over such ... I am requesting someone look into there actions and please help as clearly if nothing is done I will be happy to take my business elsewhere which I know the bank does n't care since I am ONE person but I can assure Chase I will be happy to let anyone know I come in contact with how they handle their customers and LOYAL customers at that. 

thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I need some help I have filed a bankruptcy and now trying to move on with my life, there is a Kohls Capital One listed on my credit file that was included in my bankruptcy which on my credit file it says It's a charged off owing XXXX I have called Capital One and they state it is in Bankruptcy as I tried to pay this even though it was included they would not accept any money but they have it listed that I owe. How is this right or fair? Please help Kohls Department Store # XXXX Date open XX/XX/2009 balance {$3300.00} reporting as a charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX of 2020 I filed a amortization plan in the state of WI chapter XXXX with attorney XXXX XXXX XXXX out of XXXX WI # XXXX. Case # XXXX XXXX County Wisconsin. My trustee is XXXX XXXX XXXX. They have been reporting this as delinquent to all 3 credit bureaus as missed payments and delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a letter that Experian put a credit alert on my report. I have not lost my credit cards and just left XXXX two weeks ago but I am molested daily with reports on the internet from them and XXXX XXXX. Can the Experian just remove this credit alert as no one wants to give me credit because of this erroneous information.

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 2020-08-19
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:
On XX/XX/XXXX I received a letter from XXXX/XXXX XXXX dated XXXX XXXX.The letter states '' thankyou for applying for a XXXX XXXX XXXX  on XX/XX/XXXX '' .I NEVER applied for a personal loan through XXXX or its affiliates.This is fraud.I did have a XXXX card with no balance and early XXXX during breakout of covid-19 pandemic, XXXX closed my account citing inactivity.I did call XXXX at XXXX on XX/XX/XXXX at XXXX and spoke with XXXXShe took some information and stated that it was a soft pull and I shouldnt worry and transferred me to Bank fraud Unit at XXXX call with XXXX ended at XXXX statement to XXXX is wrong about the personal loan i never applied for.When she transferred me to bank fraud unit, the bank fraud unit was closed.Recently, In XX/XX/XXXX, someone used my personal info to commit fraud at a XXXX through XXXX  to purchase a cell phone.This was fraud.Why almost a year later im getting a letter from XXXX???? .Therefore, I never applied for a personal loan from XXXX/XXXX XXXX.THIS IS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
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: Problem with personal statement of dispute

Complaint:
I have reached out to XXXX XXXX several times asking them to provide me with Validation of this item belonging to me. After making a complaint they sent me this XXXX XXXX Customer Agreement. I have also disputed this account several times with the Credit Reporting Agencies. Please contact the credit reporting agencies and remove this from my credit reports, It is affecting my credit score and hindering me from purchasing a home. 
Look at the .signature this isn't my signature, Address, or correct name as appeared on my license The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX XXXX also Put this account back in collections on my credit report. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: JPMORGAN CHASE & CO.
State: FL
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:
i opened a fraud investigation with my chase credit card services against a company i made a charge to that was later cancled and never refunded for.chase credit card services was hesitant to open the investigation and a month later after presenting evidence of fraud against the company has not resolved my complaint and has refused to release any information regarding my complaint.the bank is harboring fraudulent companies and should be shut down.please investigate this company and protect the people

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX reports to TransUnion and other companies wrong payment history 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 2018-02-21
Company: WELLS FARGO & COMPANY
State: MO
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:
Wells Fargo claims I took an auto loan in 2011. I did not. Wells Fargo has refused to send a copy of this alleged loan agreement. I know nothing about this alleged loan. Wells Fargo has repeatedly given me a run around. I have no idea what kind of a vehicle I allegedly bought or from which dealer I supposedly bought it from. 

This is clearly identity theft, if this loan even exists. Any signature would not be mine and would be a forgery. Wells Fargo wants me show a police report. How can I file a police report if Wells Fargo refuses to give me a copy of the loan papers? They seem to be keeping me in the dark on purpose. Wells Fargo has created false accounts before as is well known. 

I want a copy of this alleged loan or have this defamatory information removed 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 non-monetary relief
Consumer complaint received 2019-09-08
Company: HOVG, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2019 I paid all of the amount due to Bay Area Services where they told me they promised debt would not show up on my credit. I was notified today XX/XX/XXXX, that this debt is showing on my credit. Amount due was paid in full in XXXX. I am requesting action to be taken and this derogatory mark be taken off of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I'm having a problem with Bank Of America because 3 times already someone used my card.The first one is that someone used my debit card in California in one of the gas station there.Someone withdrawed {$200.00} there on XXXX XXXX.The Bank Of America paid me already on that one but the other fraudulent charges and withdrawal the Bank Of America didn't pay me yet.The second time someone used my card is on XXXX XXXX they used it for {$250.00} on XXXX XXXX.And on XXXX XXXX for {$140.00} on XXXX.The third time someone used my card is on XXXX XXXX.Soneone withdrawed {$520.00} on the ATM machine.The Bank Of America sent me a letter and said they credited my account for {$140.00} but they never did.I need ur help to get them pay for the fraudulent activities on my card.Im a single mom and I have XXXX kids.Theyre asking me to send them money but I have no money to send them because someone withdrawed my money.Im unemployed.The account I have on Bank Of America is my unemployment.Im going to call the unemployment to ask them to transfer their payment on my other bank account.Im only depending on my unemployment.Pls help me with this problem.Thank u so much and God bless.I appreciate ur help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit card debt as well as other debt that i did not repay was sold to a 3rd party that is now attempting to collect. The credit card company as well as others reported the debt in full as owed. also the 3rd party who purchased the debt shows it as owed and in collections causing 2 credit bureau reports for the same debt. the credit card company shows debt in full tho they sold debt to lower amount. also the credit card company reported the debt to the IRS in full as income for me the debtor though the 3rd party is still trying to collect the entire debt. And i have paid the tax on the total as income. These negative credit reports are being duplicated and if IRS has charged me tax on total amount though the debt is sold creating income for original credit card company the amount of income reported is incorrect as well as the total amount of my debt as i am still liable for it.

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 2021-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was able to Use XXXX XXXX credit car or bank card and he changed it. It was supposed to be dropped to a XXXX  but yet they charged me with a XXXX. I am having the darn time to open a account. I wipray you all will exclude from my record. That was like almost 3 years ago and would like a new shot at living my life. THank you XXXX THe other person got charged as a XXXX  and he forged his name and yet I got caught with a XXXX. I am supposed to be released from XXXX  this year. PLease help me. I would very much appreciate it. THank you XXXX XXXX XXXX XXXX/ XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ar XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: WELLS FARGO & COMPANY
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Accounting errors that need to be corrected immediately. Please see attachments for further details.

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 2018-11-29
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I have reached out to XXXX XXXX several times asking them to provide me with Validation of this item belonging to me. After making a complaint they sent me this XXXX XXXX Customer Agreement. I have also disputed this account several times with the Credit Reporting Agencies. Please contact the credit reporting agencies and remove this from my credit reports, It is affecting my credit score and hindering me from purchasing a home. 
Look at the .signature this isn't my signature, Address, or correct name as appeared on my license The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX XXXX also Put this account back in collections on my credit report. 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 2020-06-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I had my credit ran today XX/XX/20 because I'm trying to refinance my house but I was unable to do so because there is an account from XXXX XXXX for an amount of {$1200.00} in negative standing appearing on my credit. This account does not belong to me and I never allowed anyone to open this account in my name. I do not have any written/verbal contract with this company nor did I benefit anything from this account such as money, goods, services or any other benefit and I never made payments towards this account. I am not affiliated to this company in any way and I have never authorized them to run/access my credit. I have already filed a police report regarding this suspicious account in hopes of getting it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXXXX/XX/XXXXI received a letter from XXXX/XXXX XXXX dated XXXX XX/XX/XXXX.The letter states '' thankyou for applying for a XXXX XXXX XXXX  on XX/XX/XXXX '' .I NEVER applied for a personal loan through XXXX or its affiliates.This is fraud.I did have a XXXX card with no balance and early XX/XX/XXXX during breakout of covid-19 pandemic, XXXX closed my account citing inactivity.I did call XXXX at XXXX on XX/XX/XXXXXX/XX/XXXXat XXXX and spoke with XXXX.She took some information and stated that it was a soft pull and I shouldnt worry and transferred me to Bank fraud Unit at XXXX.My call with XXXX ended at XXXX statement to me is wrong about the personal loan i never applied for.When she transferred me to bank fraud unit, the bank fraud unit was closed.Recently, In XX/XX/XXXXXX/XX/XXXX, someone used my personal info to commit fraud at a XXXX through XXXX  to purchase a cell phone.This was fraud.Why almost a year later im getting a letter from XXXX???? .Therefore, I never applied for a personal loan from XXXX/XXXX XXXX.THIS IS 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 explanation
Consumer complaint received 2018-02-21
Company: AmeriCollect
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:
I have contacted Americollect personally, submitted a dispute with XXXX as well as contacted the consumer protection bureau regarding this matter. Americollect is Continuing to report inaccurate information to XXXX credit reporting bureau. Americollect is reporting one ( 1 ) inaccurate account from University XXXX 's seven ( 7 ) times ( acct number XXXX ) another inaccurate account ( acct number XXXX ) five ( 5 ) times and two additional inaccurate accounts ( acct number XXXX and XXXX ). The continual reporting of these inaccurate accounts is a violation of the Fair debt collection Practices Act as well as Fair Credit Reporting Act. These inaccurate accounts should be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is a mistake as I assume it to be. I have not been able to get any help form them for months now but I just remembered I could file a report on this website as I just feel they are not doing anything to help me and this is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: BARCLAYS BANK DELAWARE
State: KS
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:
In XXXX of XXXX, I booked a hotel stay for my spouse and me in XXXX, XXXX for XXXX of XXXX. We used our BarclayCard Arrival Card to make the payment. Due to the Covid-19 pandemic, we were not able to travel to XXXX. The hotel refused to give a refund, even though XXXX borders were closed. I have filed a dispute with BarclayCard, but they will not help get my money back, stating they can not " overrule the cancellation policies of the hotel. '' The hotel refused to give money or help, and they were verbally abusive during the process. BarclayCard did not care and would not do anything to assist during this time. Since then, BarclayCard has made the process of disputing transactions impossibly hard. You can not dispute online and have to mail in disputes. They will not even accept disputes via phone. I have been successful in getting refunds independently from other companies, but BarclayCard will not assist with this refund, which is in violation of their terms as a travel card.

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