BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The following companies are recklessly failing to follow reasonable procedures XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been asking for following account to be remove my credit do to false reporting and also the have not provided me with the model notice XXXX or XXXX form the creditors, this is required by the FCRA 623 ( a ) ( 7 ).

This is not a verification request, please remove these accounts. This is the third and final request.

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 2022-09-05
Company: Kikoff Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
In XXXX of last year Kikoff lending closed my account after I said it was closed I error they refused to reopen the account. Although I have money spent on the account and I can no longer access and download the products o purchased on the app. This company is a scamI uploaded emails saying they won't open my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: JPMORGAN CHASE & CO.
State: TX
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 cards were charged multiple times, which accumulated to a large sum, to two companies I have never heard of before. Upon noticing these charges I called Chase to report these charges as fraudulent. Chase denied my claim and is claiming me responsible for all the charges. Upon calling back, I was told that the charges were made in XXXX and look like travel-related charges. I have never been to XXXX, as I reside in the United States, and have not traveled in the past year due to the covid pandemic. Despite this, the Chase representative told me they are holding me responsible because " I did not report it fast enough. '' ( I had reported it 8 days after the charges started occurring ). Chase pledges that they will " not hold their customers responsible for any charges they did not make '' however, in this case, they are not investigating the fraudulent charges committed on my account, and are purely basing the case off of me not reporting in time, which was only 8 days after the fact, and after researching it states that customers have up to 60 days to report fraud. 

I asked the Chase representative I was on the phone with : " So if any of your customers received fraudulent charges, but did not report immediately you would hold them responsible for the fraudulent charges? '' to which the Chase representative replied " Yes '' I find this extremely negligent and unprofessional, as it seems like the representative is saying that Chase does not even care to look into the legitimacy of the charges and is purely basing their claim off of the customer being able to constantly monitor their account and notice such charges in time. This goes completely against their message that they " do not hold their customers responsible for charges they did not make '' as the representative clearly admitted that they will if their customers don't report immediately, regardless of whether or not the charges were actually fraudelent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Creditor agreed to delete account 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 non-monetary relief
Consumer complaint received 2023-03-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX notified me that my address was changed with equifax today. the change took place on XXXX. i have not moved and suspect this is identity theft. please have equifax restore my address, which i have lived at for over 30 years. I would also like a copy of the request that generated the address change so that i can file a police report lock my credit report. My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have attached a screen shot that shows the incorrect address,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Remove all Unrecognized, Incorrect fraudulent addresses, this is the only address I have [ XXXX XXXX  XXXX XXXX XXXX XXXX ] also shown on my ID for proof There should only be one address listed on my report. Ive enclosed documentation providing proof of current address to make deletion easier. 
Also, the Incorrect spelling of my name needs to be removed from my consumer report this is how my name is spelled [ XXXX XXXX ] my name only has one correct spelling My photo ID is enclosed to show the correct spelling.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhart V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 

I have reported this as identity 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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Remove all Unrecognized, Incorrect fraudulent addresses, this is the only address I have [ XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ] also shown on my ID for proof There should only be one address listed on my report. Ive enclosed documentation providing proof of current address to make deletion easier. 
Also, the Incorrect spelling of my name needs to be removed from my consumer report this is how my name is spelled [ XXXX XXXX ] my name only has one correct spelling My photo ID is enclosed to show the correct spelling.

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 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
1. XX/XX/2021-Called XXXX XXXX Credit Report Team about a duplicate inquiry on XXXX credit file ( XX/XX/XXXX ). I was told the duplicate entry would be erased from XXXX  credit file. However, it remains on there as of today, XX/XX/XXXX. 
2. XXXX, XXXX  and Transunion all have differentiating, inaccurate information being reported on my credit files in regards to the XXXX XXXX account. I also sent letters of verification to XXXX for verification and have yet to receive a response. 
3. No response from XXXX XXXX, after letter of verification sent. 
4. XXXX  reporting inaccurate personal information ( multiple addresses ). I called in XXXX to have the inaccuracies deleted, and was told by the rep that they would be deleted. 
5. Transunion reporting Incorrect personal information : Middle names are incorrectly listed as one name ( XXXX XXXX ), when its actually two names ( XXXX  XXXX ). I called the consumer hotline to correct issue and spoke with a representative who reassured me that it would be corrected.

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 2023-04-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Monday XX/XX/23, I realized all my three ( 3 ) chase bank credits cards that I have/had for the past nine ( 9 ) years keep declining anytime I make a purchase or payment. I checked my chase bank mobile app only to realize all my credit cards is closed if no notification, email or information. I called chase bank customer support and I was transferred to six ( 6 ) different departments or people only to be told by all of them that they dont know why or have no answer for me. 

Tuesday XX/XX/23, I waked up and realized my chase bank accounts ( checking and savings ) is closed too. I again called chase bank customer support all day with no one able to tell me the reason or why all my accounts and credit cards is closed. I finally got to someone who told me that chase bank has decided to end the banking relationship with me and he cant tell me why but I have to wait for 7-10 business days for letter from chase bank then after someone will call me and later send me check of whatever money I have in my accounts. 

Just like that with no reason or explanation to they take my financial life away without thinking of how I feed my family, how I will pay my bills. How do I survive till the 10 days I receive a letter with no explanation or reason.. I havent committed any fraudulent activity or fraud, just like that J.P. Morgan chase bank just shut my life off with less than 5 days to the end of month. 

I have never in life felt so helpless, I dont even know what to do, who to talk to.. Im never late on any payment on all my credit cards, I never been in anything relating to fraud.. They just dont care!! All they tell you is wait for 10 business days for a letter.. like how?.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: WELLS FARGO & COMPANY
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:
I recently pulled my XXXX Credit report and has been going back in forth with them disputing fraudulent accounts that they are reporting. The following accounts do not belong to me ; XXXX XXXX XXXX XXXX ( fraudulent charge off account ) XXXX XXXX XXXX  XXXX ( fraudulent collections account ) XXXX XXXXXXXX XXXX  XXXX ( fraudulent credit card ) I have never done business with the creditors or originators of these debts. I have supplied XXXX and these creditors with supporting information and still to date I have not received any mail or phone correspondences. 

I have asked XXXX numerous times to provide me with the proof they have to verifies these debts belonging to me, and they have failed to do so ...... 

Also XXXX has my name spelled wrong on my credit report so how did they even verify these debts belong to me .... please see all uploads

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 2022-09-05
Company: Meridian Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I was charged for a service I did not receive. I immediately called the company and XXXX XXXX and XXXX. XXXX removed the charge but the company and XXXX XXXX did not. 
Recently I saw a collection on my report from Meridian Financial for this XXXX  year old item. I called, faxed and emailed Meridian, XXXX and XXXX XXXX. Today I received a notice that my credit score decreased substantially due to a report on XX/XX/XXXX from Meridian that I am currently 5 months delinquent on a current debt which actually dates back to XXXX. 
For a company to purchase a debt and report it 7 years later is not in keeping with the Fair Credit Reporting Act. I request that all notices regarding this erroneous charge on my credit reports on be removed.

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 2022-09-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have been charged for an item that I never received from the Vendor XXXX. I advised XXXX that my item never arrived and that the tracking number showed it was delivered to a different location in a completely different state. XXXX told me that they would investigate further into the matter and I have reached out to them many times. I just kept getting the run-around and no response, and now they report late charges to my credit report. This is hurting my ability to buy a home and to seek new employment opportunities. XXXX needs to remove those late payments from my credit report, for a product that I didn't receive due to their negligence. I contact XXXX and they send me to XXXX, I contact XXXX and they send me to XXXX, the whole thing is a charade.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Mountain Run Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
years ago I think XXXX XXXX XXXX  and I had issues over service we agreed to discontinue services no fees owed. Years Later XXXX Mountain Run bought this OLD claim that is too old and age to collect on and started a new collection date. I have filed various complaints and they will not work with me. I refuse to pay for a claim I don't owe! 

This company should not be allowed to bully people into paying for an aged claim that they bought ... ...

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: GMA Investments, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
They called my cell phone to get a hold of my husband, I called them back asking what it was about and they told me to tell my husband to grow up and pay the bill. They also said that their records indicate me ina " negative light '' and she wanted me to tell my side of the story before putting in her recommendation. They've called me twice and said they were going to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions 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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX XX/XX/XXXX, Goldman Sachs ( GS ) Bank routinely email-notified this longtime customer his ( XX/XX/XXXX ) monthly statement was available in his online savings account, but then maliciously blocked electronic access to that XXXX / veteran 's / GS stockholder 's account until the customer first provided answers to some additional invasive corporate private banking questions under the misguided warning such answers were MANDATORY! 

In XXXX then-President Bush signed the US Patriot Act reportedly giving financial institutions authority to ask customers ( especially foeign nationals, which I am not ) full name, social security number, birth date, and contact information ( e.g., address, email addresses and or phone numbers ). 

I have no problem with this and readily provided this information to Goldman XXXX. 

The Patriot Act also reportedly encouraged financial institutions to get to " know their customers '' by asking additional VOLUNTARY questions, like : current employment status ; occupation ; sources of income ; marital status ; whatever. Such information could help the government track illegal activities such as " money laundering '' and financial institutions could more intimately tailor loans and other products to more effectively market them to banking customers. 

Goldman Sachs cutoff with malice my online account access unless l ( and apparently all their other online banking customers ) first answered these strictly-VOLUNTARY questions. 

Almost a full week into the new month I am still totally locked out from online access to my web-based Goldman Sachs Bank savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: AMERICAN EXPRESS COMPANY
State: VA
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 rewards from credit card

Complaint:
I applied and was approved for the American Express XXXX XXXX XXXX Card on XX/XX/2017 ( see exhibit 1 attached ). As part of the offer details, I would receive XXXX XXXX XXXX XXXX after spending {$3000.00} in the first 3 months. After two statement periods, I spent a cumulative {$3300.00}, and paid in full ( see exhibit 2 and 3 attached ). After three statement periods, I spent a cumulative {$7200.00}, and paid in full ( see exhibit 4 attached ). I was also assessed an annual fee of {$75.00}. The {$75.00} is not included in my spend figures noted above. 

Further, American Express was offering XXXX XXXX XXXX Points for each referral that translated into an approved account opening. I approved both my wife and my brother in law, who both received approval, received the American Express XXXX XXXX XXXX Card, and both earned the XXXX XXXX XXXX  Points bonus. 

I have contacted American Express on numerous occasions, and have received a plethora of varying responses and reasons. A case was opened several weeks ago with no known resolution as of today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: JPMORGAN CHASE & CO.
State: CA
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 applied for this CC for my partner business purposes but I am having an issue w chase declining transaction because is unusual. She traveling as a XXXX consultant to all over the US uses the same rental company and most times the same hotel. We were having these transactions declined which then she would call and I get on a call with their customer center. I have explained time and time again that this a travel g credit card which charges an annual fee, declines stopped for 3 months but now we are back to same. Every time they do I literally spend XXXX minimum minus to try getting thru someone and explain this all over. This has been scaled this last time to XXXX an accountant Supervisor that basically told there is nothing chase can do. Every time I get the annual fees, or transaction fees or interest I dont get a text asking me to decline or complain so I have asked for them to credit one of their annual fee since I have spent considerably time explaining this over and over. After every declined I then have to reach back to the vendor and explained and have them rerun transactions which I invest more time. My partner was once a stuck in a small city in the middle of nowhere waiting for rental car to allow her to take rental cause Chase had declined transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 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