BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-20
Company: Self Financial Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXSBNASELFLNDR 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: The CBE Group, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The CBE Group is trying to collect a debt from me for the wrong amount for XXXX XXXX. I have asked them to validate the debt by providing me with the contract, detailed bill showing all of the charges because I do not agree with the amount. XXXX a rep there that I have talked to a number of times advised me that they do not have it and that they are not required by law to provide me with this information. I have been asking since XXXX. This bill started out at XXXX and then they sent me a notice for XXXX in XXXX, then this month they sent a notice stating I owe XXXX. The reason for this is because they state they have bought the same bad debt 3 times and charge me 18 % each time. I advised they have had this whole time and that they cant do this and XXXX advise " We can do what we want ''! I only owed them XXXX and I have offered to pay this but they will not except it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Reference # XXXX ( XXXX 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 account without my written instruction.

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 2022-06-21
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account does not belong to me yet US BANK is reporting it on my credit. I do not think that it belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions 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 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 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 2017-08-22
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: Account information incorrect

Complaint:
I have spent months trying to get TransUnion to fix their problem. They are incorrectly reporting my car payment as " closed, derogatory ''. 100 % wrong. I have talking to my bank and they say repeatedly the account is open and paid satisfactory. All other credit reporting agencies have it correct. They have reported they have corrected, and it simply not true - they have changed nothing. I am enclosing a letter received today from XXXX that states the I am such a loyal good customer I can skip a payment if I want- not something they do to closed accounts. I am currently two months ahead in my payments. TransUnion should remember all the fines paid to CFPB, more coming.

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 2017-08-22
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
U.S. Bank Gold Checking account opened on XX/XX/XXXX with the condition that 2 bill pays were completed to receive a {$200.00} account bonus. Bill pays were completed on XX/XX/XXXX. I contacted U.S. Bank on XX/XX/XXXX and XX/XX/XXXX and was informed by 2 different representatives that the promotion was linked to my account and the requirements were met. I was informed that the bonus would be deposited by XX/XX/XXXX. The bonus has not been received.

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 2022-06-20
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have 2 American Express cards, Everyday card and a Gold card since 1968. I had a refund from XXXX XXXX in the amount of {$1100.00} which was wrongly, by AM EX agent, applied to my " everyday '' card as opposed to my AM EX Gold.

I made numerous attempts to get the refund back to my AM EX Gold, they finally transferred {$1100.00} to my AM EX Gold NOT AS A CREDIT but as a " balance transfer ''??? I contacted them to correct the mistake only to find out unauthorized use of my rewards point by AM EX agent to offset the credit for their accounting purpose, the {$1100.00} refund from XXXX XXXX that belongs to me. Upon my objection to this unauthorized transaction they referred me to their reward point department to resolve it? Upon discussing the issue with reward point agent, XXXX, he opened a dispute file and fraudulent use of my award points to offset my credit {$1100.00}. UNAUTHORIZED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
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: Account status incorrect

Complaint:
there is a delinquency from XXXX 2016 on a best buy account that i have, this delinquency is inaccurate and i have never committed this late payment, i have already faxed and uploaded creditors documents ( approval letter ) to the bureaus so they can update but so far no one has, please notify credit reporting agencies to remove this inaccurate delinquency from my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
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: Account status incorrect

Complaint:
there is a delinquency from XXXX 2016 on a best buy account that i have, this delinquency is inaccurate and i have never committed this late payment, i have already faxed and uploaded creditors documents ( approval letter ) to the bureaus so they can update but so far no one has, please notify credit reporting agencies to remove this inaccurate delinquency from my credit report thank you

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 2022-06-20
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My individual checking accounts with JP Morgan Chase Bank ( Chase ) were hacked five times by parties unknown to me who were able to access my accounts without my knowledge or consent and fraudulently and illegally withdraw ( steal ) funds through outgoing wire transfers to third party accounts. Chase has refused to fully reimburse me for my funds that were entrusted to them. Furthermore, they have refused to provide me with any information as to what, if any, action they've taken to investigate these illegal acts and recover my funds.

Chase apparently has taken the position that I'm somehow at fault or contributed in some fashion to the first two hacks and illegal wire transfers, and they have refused to reimburse me for the funds that were stolen on those two occasions. I obviously could not have anticipated these hacks and illegal wire transfers ( that occurred in the dead of night ). I do not use wire transfers in my personal banking affairs, as I've repeatedly stressed to Chase representatives. I requested the wire transfer function connected to my accounts be disabled and was repeatedly assured by Chase representatives in Customer Service and Technical Support that it had been, yet the hacks and illegal wire transfers continued.

I have literally spent hundreds of hours attempting to resolve this matter before contacting the CFPB. I filed a formal complaint with the Executive Office of Chase in XXXX, TX via certified mail delivered XX/XX/2022. My complaint was assigned case number XXXX. I received an email from a Chase Executive Office Specialist ( researcher ) by the first name of " XXXX '' with whom I've spoken twice by phone ( the last time on XX/XX/XXXX ). She told me my case was under review by " legal '' but couldn't or wouldn't provide me with any additional information or tell me when I might expect resolution of my case. 

I wish to stress I was a loyal, longtime customer of Bank One and then Chase. I have been treated in a callous and unscrupulous manner by Chase. They have no grounds for withholding reimbursement of the funds that were stolen from me due to their lax security measures and negligence, and are in breach of their fiduciary duties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: I.C. System, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX- I have sued them in small claims court for an outstanding balance that they state I owed. I proved that I did n't owe the money incourt, but still be harassed by there company and a collections agency-ics systems and is impacting my credit as it keep coming back onto credit report and still contacting me violating court order.

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 2017-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've been disputing this debt for a while now, these two debts do not belong to me. After failing to prove validity, these two accounts still remain on my report. These collection accounts were opened in XXXX but the original creditor states the accounts were established in XXXX. Now at the i was only about XXXX years old. So i find it highly ridiculous to keep these two accounts on my report. I was a victim of identity theft before i was of legal age. My information was forged, hence why i have verified my info with XXXX. On my report from them there was inaccurate info such as my date of birth and legal name. My report contained several pieces of false identifying information. XXXX  has removed those items, including these two accounts. So i dont know why XXXX XXXX is still listed on my XXXX and XXXX The creditor claims these accounts are not fraudulent, which is why the bureau 's are making it hard to remove this frivolous mess. I want proof of validity sent to me immediately. The debt collector and the original creditors response will be shared with my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: SYNCHRONY FINANCIAL
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:
Recently opened a care credit account with Synchrony Bank, and they locked my account where I am not able to use it for my urgent XXXX procedure. I contacted the bank, and theyre requiring me to MAIL a copy of my state id and utility bill or full bank statement for them to unlock my account, which I never used, a process which will take approximately 30 days. I inquired if there was a more secure and timely manner in which I can resolve this, such as uploading the requested documents on a secure site, as I am not comfortable with mailing such information, they said no, and could not provide me with a valid reason why my account was locked, other then security purposes. I am not left to suffer with my XXXX needs because of their ineffective and careless business practice for a medical based card.

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 2022-01-19
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Was taken to collections for a XXXX credit card I never applied for, Amounts of XXXX from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: The CMI Group, Inc.
State: WA
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:
On XXXX XXXX/2017 had credit report ran to refinance mortgage loan and was told, on my credit report showing a balance of {$90.00} sent to credit Management LP for collection. I called credit management to find out the source of the credit and was told XXXX or XXXX XXXX, and my option is to pay and resolve the situation. I do not owe to XXXX or XXXX XXXX. I am not aware of any transaction or signed contract with the company showing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the fair credit reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Has violated my rights more than once, by taking inaccurate information off my credit report and putting it back on my credit report after the investigation was over. 

Also 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 an account with out my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had several fraudulent and duplicate inquiries that were removed from my Transunion credit report. After the company had a glitch in their system, several of these inquires were reinserted back on my credit. I have contacted Transunion on several different occasions to have these inquired removed. The representatives refuse to assist in this matter. I have talked with supervisors on two occasions, as well, with no resolution. These inquiries were once deleted and a fraud alert was applied to my credit report. I never received written notification that these inquiries were added back on my report, which in violation of Sec 611 of Fair Reporting Credit Act. I am currently in the home buying process and these inquires have caused a decrease in my credit score.

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 2017-08-22
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was contacted by XXXX XXXX XXXX/XXXX License ID XXXX of loan Depot to apply for a refinance. I was told to pay the appraisal fee on a credit card and I would receive it back at closing or in the event they were unable to provide me with a loan. I submitted all my Social Security XXXX documents as well as my court ordered child support income documents, bank statements, and requested forms. They kept coming back requesting more information which I would send. I have been going through this for a couple of months. My Account Manager XXXX XXXX informed me that underwriting had suspended my application pending decline because they were n't adequately able to verify/qualify the income needed for approval. I have not received the refinance or the appraisal fee refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX Product : Checking or savings account Issue : Managing an account Chase responded to me on the above complaint. I was promised a check of the full amount to the checking account that Chase froze. I received only a letter that Chase was looking into the matter. 

This has been many months and still no resolution. 

The effect of this refusal of sending me the money in my bank account has caused a great hardship. 
The full effect of this is that funds from another account have been taken because of no resolution of this Chase matter. I can no long pay utilities, car payment, food, and daily living. 

This has been many months of refusal of the funds XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: V and H Portfolio
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX are reporting on my credit report & attempting to collect a debt I do not owe. For one I never received anything from this company regarding this debt. I just saw it on my credit report. 
For 2 this debt shows from over 7 years ago which is past the statute of limitations. 
This is erroneous and they are in violation. 
The next correspondence to them will be from my attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20
Company: EQUIFAX, 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 accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right 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 an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation