BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-01
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was approved for a Chase Amazon Rewards card on XX/XX/2020. Several days later, I called to have an authorized user card for my girlfriend sent to an additional address. Instead of helping me with my request, a fraud executive named XXXX immediately placed my account under review. They refused to even accept my card number after asking me because they had already clicked onto the next menu. They said someone would call me back within 24-48 hours. 

No one called me back for more than a week. My card was not accessible to make purchases even after I received it in the mail. After waiting a week, I began calling Chase customer service in order to access my account. I was continuously hung up on. One person asked to speak with me, as if I was someone else, referring to them as " her, '' even though I had already stated that was my legal name 3 times. This is because I am trans and my voice does not sound like what they expected from someone with my legal name. Finally, on XX/XX/XXXX, the first day of XXXX XXXX, I called several more times, was hung up on again, and finally got someone who did not hang up on me. They instructed me to be honest about my legal name after I stated it several times. Then they informed me that my account was under review by a back department that is not front-facing and that I can not reach them. They refused to provide any further information. Shortly after that call, my card, which I never had the opportunity to use, finally disappeared from my Chase mobile app. Meanwhile, the card still shows up on my credit report in good standing - despite being inaccessible to me ever since it was approved more than 2 weeks ago. 

I do not deserve to be chided, discriminated against, and accused of lying because of my body or my gender. Moreover, I have a perfect credit file with no late payments or derogatory marks. There is no cause for adverse action against my account. Thank you for allowing your staff to degrade me and deactivate my account without cause during the first day of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2017-12-18
Company: National Credit Adjusters, LLC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been getting calls from a company called National Credit Adjusters after I already sent a letter requesting debt validation. They claimed that does n't matter and that I have to work something out today or they will take legal action. They are calling me at work after I requested debt validation. The last call was on XX/XX/XXXX at work. 

They insist that I call them and " work something out '' with them. No, they have not provided requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I check my credit report every day and I checked my report on XX/XX/XXXX to find out XXXX  XXXX and Barclays bank has added 3 inquires illegally to my credit profile from XXXX of this year that wasn't showing at all until XX/XX/XXXX these inquiries are fraudulent and are not mine I have not applied for XXXX  XXXX or Barclays bank and am not currently a cardholder with these companies these inquiries should be removed immediately ... also the address they provided they say the application was made with of XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX and phone number ( XXXX ) XXXX isn't my address I have never lived or resided at that address at all

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 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 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 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 non-monetary relief
Consumer complaint received 2020-09-10
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: Was not notified of investigation status or results

Complaint:
On XXXX I initiated an investigation with this company to dispute unknown and inaccurate items on my credit report. Until this day, XXXX, which is over 60 days later, I still have not received a response. This company feels that they can get away with ignoring me since they think I have no recourse but I am writing to you ( CFPB ) to help me with this situation and ensure they are adhering to the law. Section 611 ( a ) of the FCRA, clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been MORE than 60 days these items should be deleted right away. I require these accounts be deleted immediately or I will file a lawsuit due to the damage this situation has caused. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

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 2023-01-11
Company: Experian Information Solutions Inc.
State: DE
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 asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2018-08-14
Company: Convergent Resources, Inc.
State: MD
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 disputed an item that was falsely added by this creditor. On my credit file they claimed i owed {$240.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company sent me a letter dated XXXX that looks like a bill, this bill didn't reflect any contract or my signature stating that I have any kind of agreement with this company or it's alledged client. I sent them a 2nd letter on XX/XX/18 disputing the derogatory they have, this letter was received via certified mail by them on XX/XX/2018, this company sent me a letter dated for XX/XX/2018, this document was the same identical documentation they sent on XXXX and furthermore they continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. Again, a print out of a bill is not valid, I need the actual contract from this company.

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 2022-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I have paid off some of the credit off and some was on consolidation and it is still affecting my credit score and shows delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Nelnet, Inc.
State: FL
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:
My credit has been demolished by student loans that arent even in repayment yet and some were taken out when I wasnt even registered or in school. XXXX University was sued by the FTC and didnt stop committing fraud. They took loans out under my name when I wasnt in school and they have had my status as in-school for the past 2 years and I have not been in school at all. Not only do I have student loans taking up 200 % of my credit, XXXX has not stopped with trying to report more recent debt that is not mine by sending threatening collection invoices. I havent even received a degree from them. My credit score is horrible, I can not get a loan, a job, an apt , or anything to get ahead because of the school that isnt even in business anymore. Who is getting money they are billing anyway?? How do they do this to people? Im XXXX and my life is being ruined by this. I have nothing and cant get anything. The department of education, Nelnet and XXXX have done nothing in 2 years about this and now its an emergency because I am about to be homeless. I feel like Im going to have a XXXX XXXX every day because of this. Something is wrong, a multitude of people were notified about this and nothing gets done except mailing me bills and threatening letters to further destroy my credit. What is going on in this country? I need someone to help with this, exploit them and get some justice so people can live healthy lives not XXXX XXXX and XXXX   XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: AMERICAN EXPRESS COMPANY
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
In XXXX of this year I disputed XXXX charges on my American Express credit card account due to fraud. 

XX/XX/XXXX : XXXX - {$38.00}, XX/XX/XXXX : XXXX - {$300.00}, XX/XX/XXXX : XXXX - {$540.00}. 

XXXX of these charges have been credited back to me but XXXX has not ( {$540.00} XXXX. I had to " re-open '' the fraud case XXXX additional times ( case # XXXX & XXXX XXXX. I did not get the case number for my original call. 

Im not sure why this one remains outstanding because all XXXX charges were made by the same person. The backup paperwork provided to me by AmEx clearly shows that I was NOT the person who ordered OR received the items, but rather someone named XXXX XXXX, living in XXXX, TX XXXX I live in XXXX, NV XXXX. 

I had my card in my possession and the time and have since been issued a new card, I did NOT authorize anyone to use my card, NOR do I know this person. Im surprised that someone could even use my card and that XXXX and American Express would approve it when he used his name for the purchases, and I do not have any authorized users on my card. 

I must also mention that Ive been told on at least XXXX different occasions over the past few months that my previous case XXXX XXXX ) on this issue was resolved in my favor and that I would receive credit on my next statement. This is very frustrating as Ive made at least XXXX calls, spending hours on the phone and still no resolution. 

XX/XX/XXXX - I made XXXX last call today and was again apologized to and assured I am not liable for fraudulent charges and I would have an answer in 3 days. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I was making payments on vehicle, vehicle was inoperative and unable to drive. Filled chapter XXXX and was making payment to courts to pay loan off. During the process a roommate took my truck and it broke down in the middle of the road as the transmission was going bad and this person was told not to drive. I was unable to retrieve vehicle from tow yard and loan company repossessed vehicle. Then they left vehicle at tow yard and did not even try to sell to recoup some of the money owed. At the time of the repossession the vehicle had a acv of less than XXXX. I had already paid over XXXX and now they are reporting late payments to the credit agencies and causing a great strain on my credit rating. I feel if they never tried to recoup their money from selling vehicle than how do they know how much I owe? It could have sold for a few XXXX and my balance would have been manageable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS IS NOT A DUPLICATE On XXXX NATIONAL CREDIT SYSTEMS INC on behalf of XXXX XXXX reported a collection in my credit report. This report is based on inaccurate information provided by the original creditor regarding apartment damages. The original creditor used a document dated XX/XX/XXXX to support a narrative of alleged damages. ( See Attached Document ) On XX/XX/XXXX my property was moved out of the apartment and myself and the property manager did a walkthrough inspection of the apartment, and no damages was mentioned or found. There was no documentation provided during the time of the walkthrough reflecting any damages. On the other hand, the original creditor generated a SECURITY DEPOSIT RETURN FORM dated XX/XX/XXXX. ( See Attached Document ) alleging damages to a cabinet. The original creditor also generated a move out letter dated XX/XX/XXXX addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( See Attached Document ). My address during this time was at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( See Attached Lease Copy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Suntrust bank in XX/XX/2018. After opening the account I had a business loan being transffered into that account. Suntrust put the wire transfer on hold claiming to be doing a fraudulent transaction verification, this was after the funds were being held for Funds Verification.

I have spent numerous weeks being bounced found one department to another within the bank itself and have been told numerous times that the funds would be made available within 24, 48, 72 hours and within a week and within 2 weeks.

I have verified with the lender that the funds were wired to the bank and that the bank is within possession of the funds, which was also confirmed by an Executive Care Associate. 

At this point I feel as if the bank is just giving me a run around and is not going to release the funds and they refuse to give me additional information regarding the matter.

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 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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

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 2023-01-28
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One Case Number : XXXX Transaction date : XX/XX/2021 Disputed amount : {$81.00} I have a scam transaction but Capital One denied my dispute. 

I won a {$100.00} XXXX gift card for {$81.00} on ebay. I received gift card code and pin number on a printout paper. I did not receive the physical original gift card. On XX/XX/2021, I checked the balance, it has {$0.00}. The seller stated she would investigate this issue, but never hear back from her again. I disputed the {$81.00} transaction with Capital One. I submitted many evidences to Capital One, including conversations between the seller and me, my XXXX orders history to prove that I did not redeem the card, gift card code and pin number, payment receipt, gift card {$0.00} balance screenshot. Capital One denied my dispute. Capital One ridiculous asked me to provide the seller/scammers cancellation policy and purchase receipt. They also ridiculous requested a second opinion letter, from any third-party company, which must be an original letter and on the third-party companys letterhead. I tried many companies. No company is willing to do such letter as would involve legal issue. As my searches online, if buyer gets a previously-owned card with no value, these are scams. I am a victim of scam. Capital One refuses to protect me. Capital One violates Fair Credit Billing Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-28
Company: ONLINE Information Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with non-monetary relief