BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-02
Company: JPMORGAN CHASE & CO.
State: LA
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:
I had some unauthorized charges on my account with in the past 6 months and haven't noticed until tax time. So I disputed this with Chase Bank and of course they won't help you recover your money. They only want to take it from you. I had 2 charges happen a few days ago before I started the dispute. Chase sent me a letter 1 week later saying they were sorry and can't recover the funds that were taken because they were over 3 months old. What happened was the banker in the dispute department filed all the charges under the same claim in which was his fault. So they couldn't reclaim the money because the the oldest charge was over 3 months old. Even the new charges that happened days ago couldn't be reclaimed because the banker filed those with the old charges. So Im out of money and after 7 years with Chase Bank I will be closing my account with them and never going back. They have the worse customer service and rules. Never in my life seen a bank make a mistake and not fix it. Its not like they were losing any money on their end. They just didn't won't to help me recover mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-15
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my consumer report and I know for a fact I never entered into a consumer credit transaction with EOS CCA. I've never even heard of this company before. I have never been in contract or contact with them. Nor have I given them consent to have my personal information. My consumer right to privacy has been violated. I wrote this company back in XXXX and I never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have made numerous attempts to obtain validation for this debt have received nothing that is valid to support that this is my debt. I am attaching all of my attempts to resolve this issue which has been going on for atleast a year. The company has not been able to provide any contracts and or documents with my signature to validate this debt and this is really caused me a lot of damage to my credit report and my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I wrote to Capital One on XXXX XXXX concerning chargeoff showing on my credit report. I asked them to prove that this account was mine. They never responded so I sent them another letter on XXXX XXXX. They never responded to this letter either and just stonewalled me. They have a responsibility to prove the reporting or delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Experian Information Solutions 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:
Since 2016, I have been in dispute with two of the three credit reporting agencies, XXXX and Experian, regarding the unlawful reporting of a Chapter XXXX Bankruptcy that does not belong to me. I have contacted the Florida Bankruptcy Court regarding this matter and was informed that they do not give out anyone 's full and complete social security numbers nor addresses. I was also informed by the Florida Bankruptcy Court that a bankruptcy report or listing does not have the consumer 's complete social security number listed. I submitted letters to Experian and XXXX on numerous occasions trying to explain this information to them and informing them of my mistaken identity. These two credit reporting agencies continue to report this Chapter XXXX Bankruptcy on my reports. I froze all of my credit files with several credit agencies such as XXXX XXXX, XXXX XXXX, etc. Therefore, no one has access to my information, not even myself without a private pin number that was personally assigned to me. Experian nor XXXX are legally investigating my disputes, if at all and responding to me with false information that the bankruptcy was verified, yet no one can tell me how the report was accurately verified when it does not belong to me.

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 2019-09-09
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019 I am trying to lift my security freeze on my credit with Equifax. When I try to log in to the website I get an error message and it gives me a phone number to call. When I call the number I get a message saying they can't confirm my identity. I then used their chat line and they gave me a different number which sends me to the exact same automated system that I was in before. I can't reach a live person and I don't know what to do next. I have a pin number that they gave me when I put the security freeze on but it doesn't do me any good if I can't get into their website or reach a person. I never have any trouble with the other two credit bureaus so I don't know why Equifax is always such a problem. Maybe they need to be shut down. Anyway, I'm stumped as to what my next course of action needs to be to lift the freeze. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: DISCOVER BANK
State: MS
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:
My credit card information was used to charge XXXX + XXXX = XXXX on or around XX/XX/2020 by a guy name XXXX XXXX. i did not authorize these charges

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Lendmark Financial Services
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Took out a personal loan with Lendmark Financial Services in XX/XX/2017. Since, the statements we have received does not include payment information, interest charge or balances, only how much more we should send them for that month. Every time we call they are saying that they are working on fixing the problem, but it has been since the inception of the loan. Their practice is deceiving as we don't know how much of our payment is going to interest and how much is going to payoff the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
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:
XX/XX/2018 {$7200.00} Called and visited local branch at : SunTrust XXXX XXXX XXXX XXXX, XXXX ga XXXX SunTrust placed an imaginary legal order debit on my business account without producing documentation and I don't owe any debts. 

Limited liability companies, or LLCs, are considered separate legal entities, wholly apart from their owners. This means the owners are not personally liable for the businesss debts and obligations. Likewise, the business is not liable for the personal debts and obligations of the individual owners. An LLCs bank account may be garnished if the debt is a business debt. If the debt is personal, SunTrust should not garnish the account. 

A garnishment does not occur until a creditor has proved that the debtor legally owes him the sum he seeks. When analyzing whether my LLCs bank account is subject to garnishment, the first step is I determined whether if the creditor has received a valid judgment against me as the debtor. Typically, the creditor must first sue you and secure a court order demanding that you pay the debt that's due. If the creditor has not received a judgment against you, my LLC account can not be garnished. 

Limited liability companies shield their owners from personal debts and obligations. If the debt is personal -- such as a personal loan made to you as an individual rather than as an agent of your LLC -- the LLC account can not be garnished.

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: EQUIFAX, INC.
State: NC
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 have being going back and forth with the three major credit bureau XXXX, Equifax and XXXX. I have being sending letters and calling them to remove incorrect inquires on my credit report. It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. I ask them to please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. They still have send any proof showing me so, I got was just a credit report from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
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:
I have a debit/credit card with Webster Bank and a checking account. In looking at my statement there were a number of XXXX purchases made using my card. I called XXXX and Webster to report that these purchases were not authorized by me. I told them that I would like a new card and to stop any purchases on the old card. In speaking with XXXX they did their investigation and credited me XXXX for the unauthorized purchases. I was very happy about that. I just received a letter from Webster Bank telling me that in doing their investigation, they have not found any errors and will be taking back the credits of XXXX. The case number on the letter is XXXX. I just spoke with a number of agents and the dispute dept. at Webster Bank and they could not give me any reason as to why they are taking the credits back off of my account. Needless to say, I am livid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/2021 I sent dispute letters out over 60 days ago regarding information being reported on my credit report that is a HIPAA LAW VIOLATION. I have not received a response from the parties involved. 
I received a copy of my credit report and the listed accounts that are reporting on my credit report are clearly disclosed in my dispute letters, with my personal information, the providers that shared my health information with third parties and the account numbers. I am very concerned about this matter and highly need a response with a investigation into 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 2023-04-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint in order to verify the account that is erroneously reported in my file. The account must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. XXXX XXXX XXXXXXXX XXXX Balance : {$7700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Experian Information Solutions Inc.
State: OH
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:
I am writing this complaint with concerns of fraudulent addresses that appear on my credit report that I have never lived at. It is possible that it might be a relative sharing a old address not mines. Please remove delete the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH 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 2019-01-15
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I have student loans on my report from a private lender that I did not authorize. The loans are not mine nor have I ever attended college. I have no knowledge of how this could have happened but I have been trying to address this matter for some time now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15
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:
I have reason for my dispute due to bad information furnished to my account that here are some of the account I never had any business or contracts for business with the following companies. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX   # XXXX XXXX XXXX # XXXX XXXX/XXXX  XXXX # XXXX XXXX XXXX XXXX  # XXXX under I expect this collection account to be removed from my credit report. the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) requires by federal law to be verified. So far I never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
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:
On XXXX of 2016 Bank of America reported a late payment on my account. This occurred while I was enrolled in automatic payment. The issue is, at that time, their automatic payment system charged a set amount every month and did not change to cover the minimum payment due. Sometimes I automatically paid more than what I owed ; and some other times, as in this case, it paid less. This type of payment set up is obviously different than the standard used in the industry. Moreover, Bank of America failed to inform me that the automatic payments made through their website was less than the amount owed. I took extra step to pay the full amount owed after I noticed the error. For these reasons, I believe this error is due to a failure to collect from an unusual automatic payment software. I am therefore launching this complaint to have them 1. Changed their payment process to allow automatic minimum amount due as opposed to an arbitrary set amount and 2. Remove the late payment from my  credit report for the reasons above.

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 2021-06-04
Company: EQUIFAX, INC.
State: PA
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 called XXXX and equifax to inform them about unknown inquiries on both reports I was Ensured by a supervisor from both companies that the inquiries on my both reports would be removed in 72 hours its been two weeks I called to follow up I am now being told they dont know where I got that information from and its nothing they can do about this matter. I need these unknown fraud inquiries removed from report immediately from both reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Paypal Holdings, Inc
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 some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2021 I opened a XXXX account and after adding my Hilton honors card to my paypal account, XXXX permanently XXXX my account for suspicious activity. Why this happened? What's wrong with my card? What's suspicious about my Amex card? 

On XX/XX/2021 I updated my phone number in Amex profile. After getting XXXX by XXXX, everytime I try to login to my Amex account, its asking for re-authentication key that is being sent to my old phone number ending in XXXX. Why? Whats going on? 

On XX/XX/2021 I called Amex and asked to speak to the security team. The operator said the fraud team deals with all security issues and transferred the call to the fraud department. This lady from your security team said my Amex profile has my new number updated but however these issues doesn't fall under her work responsibilities. She said she will transfer the call to the customer service and she will stay on the call until the call reaches the customer service. But then the call went to your usual recorded voice prompts? Why? This shows you people deliberately did something to my card/account and now trying to run away from your responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just recieved a letter in the mail from chase stating that I applied for a XXXX XXXX visa signature account when I didnt. It also says that they didnt approve the request. I already know my credit isnt great. So I know not to apply for these types of things. I went to check my credit report since it said that XXXX XXXX looked it up and its on my credit report and Im concerned that someone is trying to steal my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I am an XXXX citizen living in XXXX. 
When I opened a Coinbase account I was asked to prove my identity and country of residence. 
After few month, I've tried once to access to my account when I was in XXXX for vacation. 
After this event, when I try to access to my account I lend to a page where is written that because of what recommanded by the U.S. Treasury and the Office of Foreign Assets Control ( OFAC ) my account is locked. 
I sent several emails but after more than 3 weeks I still can not access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: USI Solutions Inc.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received daily phone calls from a company called USI Solutions , Inc. Their address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX , PA . They claim that I was paying on a debt that was being collected by a previous debt collection company, almost a decade ago. And that the other company went out of business without me having paid off the debt, which was originally owed to XXXX. I do not owe a debt to XXXX and have no memory of ever having an outstanding debt with XXXX. 

I sent a letter to USI Solutions informing them that I am disputing the debt. The letter was mailed as a Priority Certified mail parcel, XX/XX/XXXX and arrived to the post office in XXXX XX/XX/XXXX. So far the post office is saying that no one from USI Solutions has  attempted to pick up the mailed letter. 
I believe this is intentional and that they are not picking up the letter, as then there would be evidence that they had received the dispute letter. I suspect that they will wait a significant period of time to retrieve the letter, so that they can claim that it was received outside of the 30 day window. 

Now they have started calling my wife in addition to calling me. 

The Account # USI Solutions assigned to me was XXXX, and they stated that the original account from XXXX was XXXX.

Company response to consumer: Closed with explanation