BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Wrong reporting of information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
As a consumer, I have rights that are given to me to protect me from misinformation being reported 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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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 deletion because they were reported incorrectly 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

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 2023-02-10
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
In accurate information being reported across all three bureaus. charge offs Ive been reported by law 15 USC 16 EB charge-offs any inaccurate information must be taken off. 

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 2017-12-22
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On theXX/XX/XXXX I transfered XXXX to Coinbase from my bank account ( XXXX XXXX, which should take 2 business days, as it was a XXXX. My bank says that coinbase have the money, but it is not showing on my Coinbase balance.

I have contacted Coinbase, and logged this issue with them ( XXXX ) I did this on theXX/XX/XXXX They sent me an email back which was of no help, saying just to wait and see what happens. 

I am very worried that I have been a victim of fraud. I hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
My personal data has been compromised and being used to open accounts with Chase Credit Card company. I have contacted them several times in the last several weeks and informed them that I have not open an account and I asked them to block any further applications which they stated they could not do. I advise them that this is official notification and that anything going forward is harassment. Not very helpful at all. 

Accounts open with my first and middle names. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: JPMORGAN CHASE & CO.
State: MD
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 balance transfer

Complaint:
I contacted Chase by using its secure message center to inquire about the balance transfer fees when using the convenience checks. I asked representatives repeatedly about the fees to see if the bank would be able to adjust the fees PRIOR to using the checks. The representatives responded and stated that they would not be able to do anything UNTIL the checks were posted to the account first, then they'd be able to see what they could do to assist me. I stated a couple of times in writing that I was unwilling and unable to pay {$920.00} in fees as it's exorbitant. And, I stated that I was unwilling to take on the risk without getting assurance that Chase would consider adjusting the fees. 

Then, I went ahead and deposited the checks because they had to be posted first in order for Chase to review my account and assist. The fees were posted to my account. I then immediately followed up with Chase and did not get a response. I had to follow up again by phone to discuss the matter. They denied my request and said they could not adjust the fees because the system would not allow them to do so. I felt cheated and led on because had they told me at the outset, I would NOT have used the convenience checks. I feel Chase has taken advantage of me. I then wrote a letter to dispute Chase 's decision along with supporting documentation of my e-mail correspondence with Chase representatives for proof. Further, I escalated the matter to Chase Executive Department for a second review due to the decision being totally unfair and unacceptable. I recently received a phone call from XXXX in the Chase Executive Department stating that the fees would not be waived. I find the whole situation completely unacceptable. As I mentioned previously, I would not have used the checks had I received a straight answer that the fees would not be adjusted after posting to the account. I was baited and led on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: AL
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:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 

1. XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX. XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX. XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX. XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX. XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquiries from 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 BANK, XXXX, XXXX XXXX XXXX, and XXXX are all fraudulent and needs to 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 2018-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2021-11-04
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 have been dealing with XXXX  XXXX XXXX Credit Card that I have had since XXXX which started since XX/XX/XXXX. Keeps kicking out the theft of card -- -- -- -- -- -- -- -- - sent new card- and still continues in XX/XX/XXXX! I have to make appoints with a financial center since XX/XX/XXXX. Takes weeks/ months to get an appointment. Not that many left open in XXXX, FL. I went from the XXXX  of XXXX until the XXXX of XXXX until I could speak with a Manager. XXXX XXXX at XXXX XXXX XXXX NE, @ XXXX. ( that is No longer with company ). quit! This is a mess by them. Sent me a new card and said nothing! ( XXXX  XXXX XXXX ), I reported the Credit card lost! The only thing I have been paying on is cash I took out, not informed that intrest was involved. That was on XX/XX/XXXX, for $ XXXX then card was either left at bank or stolen? Spoke with XXXX and agent from credit on phone, and said to pay on the {$1500.00} thus far. I have ever since. It was XXXX on the FRAUD team and on the call. My balance is as of today -- -- -- -- -- -- -- -- - XXXX another payment due XX/XX/XXXX, I mean are you kidding the theft was : $ XXXX when card taken ... .... Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: ALLY FINANCIAL INC.
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:
Due to the fact that I am a victim of identity theft, I contacted the XXXX  credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask Ally Financial ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX  has recently reported that the unauthorized inquiry that is associated with Ally Financial is still currently reporting on my XXXX   credit file. ***RECORDS ARE AVAILABLE UPON 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 explanation
Consumer complaint received 2023-01-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, XXXX, I was called by an agent from Chase Bank identifying himself as XXXX XXXX on the Customer Service Line ( XXXX ) XXXX. He said there Was fraudulent activity in my account. I had just gotten gas ( debit ) and {$60.00} in cash from a ATM at XXXX XXXX. Thats where I assumed the fraud had occurred. After quite a long time on the phone, he seemed able to correct and stop the transactions. This included a purchase and a wire transfer. No personal info was shared with him. 

He called the next day on the customer service line with yet another fraud wire transfer and once again supposedly fixed it. This occurred twice more - XX/XX/XXXX and XX/XX/XXXX - Wire transfers that had been scheduled he said. My account seemed fine and no money had been lost. I did no followup. He said I would receiving a new debit card which Never came. On Tuesday, XX/XX/XXXX, he called again and explained that another scheduled transfer had popped up on the system. After working on the - lots Of one-time codes were sent. Everything on the XXXX phone number. He then explained that the bank wanted me to have a new account due to all the fraud Activity and move my money in three chunks. He have me my new account number # XXXX and routing number # XXXX. The first transfer was {$7500.00}. He Then explained that they were closing at XXXX and we scheduled an additional meeting for Wednesday morning at XXXX XXXX He called on the customer service line and we Went to work. Before the third transfer was finished, he said someone would be calling to do some final verification steps- weird questions. I called the customer service Line to check all of this and agent XXXX assured me that I had done the right thing by calling. When she asked when I last spoke with him, I said Ten minutes ago to Which she relied, Yes I see it right here on the record and congratulated me for calling in. I then got the call with the weird questions and we seemed done. And obviously We WERE. I saw my account drop from {>= $1,000,000} to XXXX Immediiatly, I called Chase and went to the nearest Branch in XXXX, NJ where XXXX met with the bank manager, XXXX XXXX XXXX She set up recalls and gave me all info. She was very helpful and supportive as I struggled to not totally fall apart and come to grips with the crisis. This Wiped out everything I had saved and worked for the last five years and has left me struggling to meet medical bills and living expenses. I filed a police report with the State Police In XXXX XXXX, PA on Thursday morning with XXXX XXXX XXXX. I went to my own NY branch on Friday ( XX/XX/XXXX ) and tried to file another police report with the XXXX Police. 

Further attempts with Chase at this point have been fruitless. I am a 40 year customer with Chase and demand attention. Elder fraud is a crime! I have been violated in a devastating way. 

I am hurt and Very, Very ANGRY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I filled out an application for an apartment on XXXX that is located in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The supposed property owner XXXX XXXX   had stated he will be traveling and could mail the keys to me. As I am currently in XXXX and will be moving XX/XX/XXXX  to XXXX. He asked that I send $XXXX  to his partners Venmo Account XXXX XXXX venmo  name XXXX OnXX/XX/XXXX at XXXX XXXX. I sent $XXXX. The venmo   app said the payment was incomplete so I sent another payment of $XXXX at XXXX XXXX( 2 minutes after the first payment) Both payments went through and the second one was my mistake. User XXXX XXXX XXXX is stating he has not received either payment and it has been drafted from my federal credit union account on Monday XX/XX/XXXX I even called Venmo and an agent has stated the payments have gone through to a bank account ending in XXXX, however XXXX  keeps telling me to contact Venmo, saying XXXX XXXX account is frozen. That he has not yet been able to have access to the funds.I have been sending a request to XXXX XXXX from the venmo app for him to send back the money but the app says to contact him, stating the transaction could not be completed. I have been asking Venmo to look into this for me and I would like my $XXXX dollars back from the double payment. It is clear that I sent the extra payment by mistake and that something is wrong with this persons account. Due to the lack of accountability on Venmo's behalf I would like a full refund of $XXXX. If there is something wrong with his account per the Venmo agent I spoke to on Monday XX/XX/XXXX at XXXX XXXX She stated if you can not call the money back on the app then there is something wrong with this users account. I have multiple screen shoots of conversations with XXXX XXXX XXXX that will be attached as well.  I can provide the phone number of XXXX XXXX if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX of XXXX I deposited a check in the amount of {$1000.00} to my Wells Fargo account via mobile deposit. On XX/XX/XXXX of XXXX, Wells Fargo removed that money from my account. After speaking with multiple bankers they told me that the physical check had been deposited in another Wells Fargo account completely unrelated to mine on XX/XX/XXXX through an ATM, despite the check having my name and signature on it. 

They told me that because of regulations, the physical check always takes precedence over the mobile deposit, so the money was transferred to this other person 's account. On top of that, because their terms of agreement states that they are not liable for any checks that are cashed without verification, they would be unable to put the money for my check back into my account.

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 2023-02-10
Company: Experian Information Solutions Inc.
State: IL
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:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2020-11-05
Company: Experian Information Solutions Inc.
State: NY
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:
DATE : XX/XX/2013 AMOUNT : {$3100.00} ACTION TAKEN : ASKED FOR APPLICATION ON FILE FOR THE ALLEGED DATE THAT MATCHED MY IDENTIFICATION AND AUTHENTIC CONTRACT.

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: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had a fraud alert put onto my credit report because I am a victim of identity theft. I have filed a complaint on Identitytheft.gov and with the XXXX police department. This agency refuses to remove the fraudulent XXXX and XXXX accounts from my credit report. This agency refuses to investigate the fraud and is insistantly harassing me by keeping this fraud account on my credit report. I have complained repeatedly but the credit report agencies do nothing.

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 2023-11-30
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account number : # XXXX 15 U.S C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1681 c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer any consumer reporting agency if the

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent a dispute on the grounds of Identity fraud to the address listed under this credit reporting agency 's website via mail, yet after 30 days I have received no response or resolution to a documented crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi, I was just charged a late fee by Citibank on a new credit card account. I did not receive a statement in the mail, so I did not know that a payment was due. I just made the payment in full for {$60.00} on the Citibank website. I asked them to refund the late fee, but they refused. I noticed that they had this account set up for paperless statements, which I did NOT request. Therefore, I would like the fee refunded. I have been a long-time Citibank customer and I keep my account current. 

Thanks, 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 monetary relief