BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-02
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have two JP Morgan Chase credit cards that were included in bankruptcy. 

These accounts are past the reporting time. 

JP Morgan Chase needs to remove these. 

Furthermore, the accounts are listed as if they are identical - XXXX is what the two entries show. 

One card was the Chase Freedom, and the other was the Chase Sapphire.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25
Company: WELLS FARGO & COMPANY
State: KY
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:
In   XX/XX/XXXX  I  discovered that my credit report was showing a 30 day late payment fro m Wells Fargo Dealer Services  from   XX/XX/XXXX . I n   XX/XX/XXXX  I mai led in my monthly payment for the correct amount ( {$290.00} ) and ON TIME (   XX/XX/XXXX  ). W hen I received my   XX/XX/XXXX   bill/statement, I discovered that my new bill was for {$410.00}. At that point I looked at my checking account and discovered that someone had incorrectly entered the   XX/XX/XXXX  check  amount for {$190.00} instead of the amount the check was written for. I immediately called  Wells Fargo Dealer Services.  I explained to the customer service representative that I talked to what had happened and even asked them to look at their image of the check and they could see it was written for the correct amount. The person I spoke too acted as though it was n't a problem and told me just to mail in the next payment as usual, to which I did. The next payment was mailed i n on  XX/XX/XXXX  a nd for the amount of {$410.00}. At that point I never thought anything else about it, and only until I checked my credit did I discover that W ell 's Fargo had w rongly reported to the credit bureaus that I was 30 days late on my payment.  <P/> After discovering this, I immediately filed a credit dispute with all  XXXX  credit bureaus as well as contacting  Wells Fargo Dealer Services. I  was told b y the Wells Fargo Customer Services Representative that I should fax a letter along with my   supporting documents to their Credit Report Dispute Resolution Unit. I did exactly that, sending them a letter as well as a copy of both the   XX/XX/XXXX  and  XX/XX/XXXX  checks as well as the dates that both checks were pro cessed through my bank. This was faxed to them on   XX/XX/XXXX . On  XX/XX/XXXX  I   received a letter from t he Credit Dispute Resolution Unit ( Wells Fargo ) stati ng that they verified that the information submitted to the credit reporting agencies was accurate and asking that if I had any cancelled checks or other records I should sub mit to Wells Fargo. I  HAD ALREADY PROVIDED THE CANCELLED CHECKS WITH PROCESSING DATES IN THE INITIAL COMPLAINT. I called  Wells Fargo again, a nd asked to talk to someone in th e Credit Dispute Resolution Unit. I was told that they were correspondence only, and there w as no one I could actually talk too. I then asked to speak to a supervisor and apparently I have been put on another dispute resolution case. Each of the  XXXX  credit bureaus have apparently updated their information to show the payment amounts for   XX/XX/XXXX  and  XX/XX/XXXX but the 30 day late payment has remained, apparently   becaus e Wells Fargo has "  verified '' their 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 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed a public reporting with Transunion and XXXX  which was 2 bankruptcy filings that shows dismissed. I was told that the information reporting came from XXXX XXXX. I contacted XXXX XXXX and initiated a dispute in which they came back and deleted the reporting from my files. I received an updated report from XXXX XXXX along with information about why they deleted. I then forwarded this information to Transunion and XXXX  for them to review and update my file and delete their public reporting to match XXXX XXXX. Transunion and XXXX  refuses to update my file and claims that XXXX XXXX validated the reporting which is not true, because I spoken with XXXX XXXX and received a new file from them showing NO BANKRUPTCY reportings. XXXX XXXX update reporting came to me on XX/XX/2020 Transunion responded to my dispute with no investigation XX/XX/2020 and XXXX  response is dated XX/XX/2020.

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 2017-11-26
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving several calls from Westlake Financial everyday of the week. Sometimes it seems like all day. I do not have any business with them nor have I. The final straw was when I had received a call from them on Sunday and I tried to contact them and let them know this, and they were closed. But the message said that I could contact them that day. I have received several messages from them on Sunday, and every day of the week. When I did answer the call to talk to someone it is always an automated system to push buttons. I finally did contact them during the week and they ask me did I have a relative that may have used their services. I said I may, but they have nothing to do with me and my phone number, caller ID & answering machine being hijacked with so many of their calls. I called on two different occasions and spoke to live representatives and requested for them stop calling me, but the calls continue. I just received another one, on this day Sunday, XX/XX/17, and I have had enough. Please contact them and let them know to correspond with whoever they are after in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I tried to get an American Express, XXXX XXXX, card. 
It was rejected because they stated that XXXX stated I had too many bank card accounts. 
I contacted XXXX and they stated they never disclose this kind of information. 
I have a credit score with them of XXXX have in XXXX years never missed a payment or been late on a payment. My credit score with XXXX is XXXX. 
They stated I have too many cards open. I only have XXXX credit cards and have had them for years. 
The reason for wanting the new card is I take care of a XXXX XXXX XXXX lady and her thread bare carpet is a danger to her falling. Since the cost of the carpet and new vinyl is {$7000.00} I could use the card to get significant airline miles. In rejecting the card they are, in essence, cheating me out of those miles. 
American Express says because of this fraudulent information they will not issue me the card even though XXXX adamantly denies they disclosed this information. American Express refuses to show me the denial. 
A friend who is an attorney states credit card companies will often generate false information to discourage a customer from getting the card as someone who has excellent credit is not the kind of customer they want as we dont generate interest income for them. 
I then applied for the same type of deal with XXXX XXXX, XXXX XXXX and it was approved in less than XXXX minute. 
I have a copy of the denial letter from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I went to use my XXXX card which is a debit card through American Express and found out I could not. So I called and they said it was locked due to fraud. They said I had to prove my identity. I did everything they asked. I had my HR department Involved as well as payroll was emailing them documents they asked for. Then in XXXX when I called them again because we sent everything possible they then said oh we want a letter of ademinity sent from my bank that my company uses but the bank said that XXXX was given enough Info on my direct deposits and info from my job on my identity. 
I no longer work for this company and I still can't get my money that XXXX is holding from me. I have been in a severe car accident that XXXX XXXX XXXX and hospitalized for a couple of XXXX. I could use this money badly at the time. This all started in XXXX of 2020. Please help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Sale of account

Complaint:
I received a call from a " process server '' claiming they need to serve me because I was being sued. They also called my place of employment ( actually my boss ' cell phone ). I called back &amp; they stated that I was being sued by credit card company  from 2002. Ther e is n't anything on my credit regarding any kind of collections. This week, they have again called me &amp; also my mother &amp; sister 's cell phones. The company claims to be  XXXX   XXXX   XXXX , which was stated on an email I received. They answer the phone " law office '', so that 's the first sign that this is a bogus company trying to scam people out of money by threatening a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citibank has charged a monthly service fee for the months of XXXX, XXXX, XXXX of 2021 claiming low balance even though balance was over the required amount. After contacting the bank ( case XXXX as per communication with Citibank on XX/XX/XXXX XXXX EST ) the monthly service fee was reversed butonly 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 monetary relief
Consumer complaint received 2019-12-13
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: VW Credit
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

2819

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an account with chase bank. I transfer money online from my credit union ( XXXX XXXX XXXX ) and its an established transfer that Ive made in the past numerous times. And as of a couple months ago chase bank started to put holds on my transfers which goes against REG E since it is an online transfer. The money comes from my credit union as an ACH transfer and after its already sent from my credit union chase bank then puts a hold on it usually for three-five business days. They tell me that XXXX will be faster but I dont think using an outside transfer if service will help every time I call they dont give me clarity on why the items are on hold

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: MN
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:
In accordance with the Fair Credit Reporting Act, Experian, XXXX XXXX XXXX have violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681. 
According to the 15 U.S.C 1681 section 602 A, States that I have the right to privacy These addresses do not belong on my report : XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, SC 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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 a account without my written instructions

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any Purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Conn's, 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:
In accorance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 Usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1668B : a creditor may not treat any payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Global Lending Services LLC
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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 
15USC 1681 section 602 states I have the right to privacy 15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions. 
15 USC 166B : a creditor may not treat a payment in credit card account under an open in consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi i sent letters with the past XXXX month to all three credit bureaus and have not got back any response.

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 2021-11-22
Company: EGL US, LLC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: AMERICAN EXPRESS COMPANY
State: MN
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:
I applied for AMEX XXXX XXXX XXXX on XX/XX/XXXX as part of a XXXX % percent and {$200.00} card promotion ( see screenshot below ). This card was critical as I was making a large purchase for me to pay over the promotion period. 

I received the card and charged {$3500.00} on XXXX, I didnt see the promotion apply after checking the charge status from pending to actual charge a few days later. I called XX/XX/XXXX and expressed my concern. I was told that they would check it out and get back to me in XXXX days. I decided to check-in XX/XX/XXXX. I talked with XXXX who informed me it would now be resolved in XXXX and theres no guarantee that the promotion would be applied. I said that would be a problem. She shared that the backoff team would review and it was in process. I expressed the impact to me as I did not budget funds to be able to pay. This would impact my credit and likely AMEX would also not be happy. 

I asked to talk to a XXXX. After waiting, I talked with XXXX who let me explain the situation. I emphasized that I could not pay. He went thru the process which already had been explained to me. I acknowledged understanding that but need to do something else such as cancelling the transaction / card. He informed I would still need to pay which I already expressed wasnt possible. He asked about the vendor cancelling which I dont think is appropriate as it wasnt the vendor or I that caused this situation. I explained that I followed the links and he talked about using promo codes. I explained that I didnt enter, change or select any promo codes. He then went back thru the process. I was frustrated and reminded him that I didnt have the funds to pay. He suggested I do a balance transfer which again furthers my financial burden. He didnt offer any actions that he would take which I expressed wasnt helpful. He then asked, What do you want me to say? Im not sure how to respond to it other than its unacceptable as I have nothing to do with the promo site links and why this is the case. 

The only internal AMEX action he offered, which was not an option, was AMEX internal process with your back office. He then offered to transfer me to the credit office if I couldnt pay I found that very insulting.

Company response to consumer: Closed with explanation