BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-14
Company: BB&T CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
As shown on the attached scan, BB & T has opened Banking Accounts ( checking I believe, and an e-Savings account ) and a credit card which I did not request. It appears they were opened on XXXX XX/XX/2018.

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 2017-05-30
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: Account information incorrect

Complaint:
I am writing to dispute  XXXX   XXXX   XXXX  on credit report number  XXXX . The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: Albert Corporation
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I never signed up for automatic charges from XXXX, but instead every two weeks and charge {$23.00} which gets placed inside this account that I can not withdraw any funds from. I reached out to customer care support, and they refused to contact me for any help.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I. Bought phone from amazonI return the phone backUsing the Seller return packageThe seller denied the package 3 time according to XXXXThe package get lost afterChase bank dispute dept. Send me a laterTelling me I have to bay for itWhen I call a lady her name is XXXX told me that they did n't see the tracking number and they just find out they report this to the credit agancy calming that I 'm responsible for the amountNow almost 2 month trying with thisAll I get is we going to give a call backMy supervisor would like to inform youMy name. XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: VA
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:
Im submitting a complaint to you today to inform you of the fraudulent accounts and information you are reporting on my Credit File that has damaged my Credit Worthiness. I researched on how to remove the fraudulent items from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have read that according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted due to fraud, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
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: Account status incorrect

Complaint:
I was promised by Child Support Enforcement that all the erroneous information would be deleted off my credit report. The account should say close and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I paid XXXX and the payment instead of being applied for XX/XX/XXXX it was applied to XX/XX/XXXX2021 month and I had already made XXXX 's payment. They told me I still owe for XXXX since it was applied for previous month. This is unfair and if I don't come up with the money it will generate a late fee and I feel this is unfair and wrong. They don't even want to correct the payment and apply it to XXXX. My payments are due by the XXXX of each month and I feel any payment recieved in that month should apply for that month. This is nothing more then to generate a late fee if I can't come up with the payment.

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 2016-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I get some accounts on my credits reports with XXXX balance who was closed on XX/XX/XXXX and not going to be removed until XX/XX/XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$4000.00}.

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 2023-08-15
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:
This is my OTHER 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, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance Owed : {$26000.00} XXXX XXXX XXXXXXXX Balance Owed : {$200.00} XXXX  XXXX Balance Owed : {$26000.00} XXXX XXXX Balance Owed : {$620.00} XXXX  XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: MI
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 previously disputed reference item # XXXX and in response, XXXX verified the item as accurate, stating that they have verified the information with the court. 
I contact the court, and their response is enclosed. It is clear they do not report to XXXX or any credit bureau for that matter, therefore, their initial response verifying the court was either an error or a lie Either way, the reporting requirements do not comply with FCRA SS 611 ( 15 USC ss 1681i ), and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me.

Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2023-11-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a credit card from XXXX  XXXX XXXX approved for {$14.00} which I did not requested, I call XXXX XXXX XXXXXXXX and they cancel as it seems someone stole my information. I file a dispute in Experian because that account is not mine I did not apply for it I do not have and I cancel it. The dispute was received as accurate and did not remove from my credit, thus I do not understand that I am disputing this account as it doesn't belong to me and they insist in keeping it.

Company response to consumer: In progress
Consumer complaint received 2023-04-26
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midland Credit Management XXXX XXXX, was sent 2 negotiable instruments, one was received XX/XX/XXXX and credited on the account for {$3000.00}. They ( Midland Credit Management Inc., continued to send and call stating the debt was still owed. The instrument ( a bill of exchange ) was never returned. I sent another instrument ( bill of exchange ) for {$650.00} received XX/XX/XXXX, also credited on the account. They kept the instrument and continue to state the debt is owed. They have also reported to my consumer report on XXXX, XXXX and XXXX as in collections, further harming my credit score 15 U.S. Code 1692 - Congressional findings and declaration of purpose, ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On or about XXXX XX/XX/XXXX American Express offered me a bonus of {$100.00} if I referred a family member or friend for the XXXX XXXX and they were approved. On XX/XX/XXXX a relative, XXXX XXXX, applied using the link provided by AmEx in their e-mail. XXXX 's XXXX XXXX application was approved. From the experience of XXXX years with AmEx, I know that bonuses are posted within a few days. After a week, my bonus did not appear. I used the chat function to inquire and was told by a CSR that it takes 8 weeks. After 8 weeks I again inquired via chat and the CSR said she would submit an inquiry to be handled expeditiously. After another week, no results. The CSR then lied to me and stated that AmEx never has a referral bonus for the XXXX XXXX. After another week, I again used chat and the CSR said she'd initiate an inquiry. A week later, no response. Yet  another inquiry via the online chat and a week later still in response. About XX/XX/XXXX, I spoke with a CSR on the phone. He explained that previous inquiries were incorrectly submitted. He also stated that it is completely false that AmEx never has referral offers on the XXXX XXXX. He stated he would submit a new inquiry in correct form and would have it handled expeditiously. As of today, no results. 

Further, XXXX XXXX has confirmed with AmEx that their card does have the applicant 's portion of the referral bonus ( {$500.00} bonus for {$30000.00} spend w/in 90 days ) attached to their account so it would be dishonest for AmEx to claim that the account was not opened up via my referral. 

This referral bonus would have served to reduce my upcoming XXXX annual fee. With AmEx 's  competence and integrity in question, I decided to cancel my XXXX XXXX as there is no reason to believe AmEx would fulfill their contractual obligation over the referral bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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:
incorrect information disputed with all major bureaus and creditors no dispute investigation was opened and no results

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I attempted to access my Chase Mortgage account online. I was interested in refinancing and wanted to pull my last account statement and request a pay off quote. When I tried to log in, I couldn't remember my password and attempted to reset it. A message appeared that my account was locked and I must call XXXX to have it unlocked. 

On XX/XX/2021, I attempted to reset my password again. I received the same message and called the number above around XXXX XXXX.. I selected the option for a call back. After receiving a call back, I was transferred multiple times, disconnected, placed on hold, etc. I called back in several times and was unable to have someone unlock my online account. It is now XXXX XXXX, and I am still on hold to have someone unlock my account. 

It appears that Chase Mortgage is not adequately staffed to assist consumers with online account lockouts and resets. Also, I'm concerned that they are preventing access to the documents I need in order to retain my mortgage and prevent refinancing with another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
Veteran with XXXX, trying to refinance home to lower years and lower payment, found out my VA home loan got changed by PNC to a conventional loan. Having a hard time doing a VA streamline refinance when you 're being told you do n't have a VA guaranteed loan anymore. Have talked with numerous people at PNC, some say records have been purged, VA does n't have to guarantee a loan ( I already had a VA guarantee in XXXX on this home before I refinanced with PNC in XXXX ), all my closing Documents for XXXX state VA rider, VA guarantee, and so on, my hud-1 says VA. I would like this done ASAP so my new refinance can proceed expediently

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
The credit bureau report XXXX XXXX late on my credit report. I was never late. I pay on time

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 2017-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This is a fraudulent account on my credit report, the XXXX XXXX have already satisfied this negative remark on my acct as being paid off, please remove this, also a XXXX should n't be on my report, another fraudulent activity on 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 explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: DE
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-07-12
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was extremely shocked to see every complaint I have filed closed out all on the same day. I didnt know at the time, the scans I sent in with my complaints, were not able to actually see the documents. I have fixed the scans, you can actually see the evidence now. My whole complaint of Wells Fargo manipulation and the blatant fraud. As I have said in all of the complaints I have filed. Wells Fargo didnt know in XXXX  and they are still defrauding us. As Wells Fargo can see in the original loan modification form from Wells Fargo home mortgage, by XXXX, they were making up numbers. Still continue to deny the facts I have provided. This original document proves that Wells Fargo is still lying and manipulating our mortgage account. How are the payment so different than the photocopied loan modification they keep sending us. Yet proof that Wells Fargo is still breaking the law and defrauding us as consumers.

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 2020-12-16
Company: Square Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I would love for someone to contact me personally since I have recorded phone calls with this company lying to me on multiple occasions. They randomly decided they were going to review my account. Gave me 5 different excuses as to why. Told me my funds would not be given to me. Then said they would be. Back and forth all day. They STILL have not issued my money to me. I run my own business, this is how I pay bills. They knowingly and intentionally wouldnt not give me my funds and asked for documents. What documents can I possibly provide? A customer runs their card to pay for their services, the end. There literally is no other documents I can provide other than the receipt, which SQUARE SENT TO MY CUSTOMER. Im facing homelessness because of square. I needed to use MY HARD EARNED MONEY to pay my bills. If you look online, Im not the only one! Except instead of withholding 30 % -50 % theyre withholding ALL OF IT. I cant touch a DIME. Im going to have to refund it, Ive already started the process, because its taking square up to 4 months or more to give it back to others for the typically one business day review so Ive issued it back to the customer to keep my freaking utilities on, and be paid a different way and they still havent got it either! This company is taking advantage of small business during a pandemic close to the holidays and the end of a federal moratorium. It has to be stopped. This has to be illegal. On top of all the lies ... this cant be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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