BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Im requesting this removal utilizing 15 USC 1681e ( b ). Please assist me with removal of this item which is not verifiable through the bankruptcy court. Thanks in advance

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 2023-09-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I applied for a american express card but it was too late to deliver as im already on my business trip outside the states. 
I called after 10 days the card was deliver to my US address and asked them to ship my card internationally. They refuse to do so after successfully verifing my phone number, email, and social security number. 
Moreover, they even start a investigation to ask me to go to the nearest embassy and ask for a notary. Image if you are on a business trip and are working all day just to feed your family well. One of the credit card provider ask you to do all the meaningless verification just to verify i am myself even if i have agreed to provide my passport info or us drivers license. 
I understand there are fraud going on every day in the states which does not mean card provider should OVER-VERIFY their customer and bring them infinite inconvenience

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a credit card with Dicks sporting Goods in XX/XX/XXXX for a promotion they were offering then. I made couple of purchases in the store after that to get the store discounts. I have not been using it at all in XXXX. I received a phone call in XX/XX/XXXX from Dicks credit card company stating that I have charges for sale that was made in XX/XX/XXXX. I explained that I didn't make those charges. I inquired what those sales were, and they said they have no specifics. I stated that I would like to close this credit card, as I don't use it, I don't even have the physical card .I was told that these disputed charges will be transferred to the fraudulent department, and that I shouldn't be responsible for making any payments. 
I continued to receive phone calls, emails, text messages, as well as paper statements sent to my house. I called Dicks credit card numerous times and explained that this amount was sent to the fraud department, as I didn't make this purchase. They agreed that I am not responsible for this fraudulent charges. I asked why I continue to receive all those notifications, and I was reassured that this will take time for me not to receive those notices. I specifically inquired about my credit score that I worked so hard to maintain, and they reassured me that this is not going to affect my score, as again I am not responsible for this. 

Today I was applying for an auto loan, and I received a rejection because of my " low credit score ''. I am a physician and my score has always been excellent. I never had any missed payments, and this adversely affected my credit score and my ability to purchase a vehicle. It also is affecting my medical business, as I was informed by the bank that this might lead to lowering my credit limits, or even canceling them.

This has taken so much out of my time trying to explain to the credit card company, and in all the times I stayed on line with them for hours, and the conclusion they gave me was that I am not responsible for this payment. So having this go to the credit score is destructive to my personal as well as my professional medical practice.

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 2023-10-09
Company: Experian Information Solutions Inc.
State: CA
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:
This is my NUMEROUS request that I have been a victim of identity theft and no one appears to care, that I want to dispute particular records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm disputing have nothing to do with any transactions I've conducted or authorized in order to obtain goods, services, or money. Please remove the items listed below. XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX  XXXX bankruptcy XXXX Filed Date : XX/XX/XXXX Reference Number : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-10-09
Company: CITIBANK, N.A.
State: GA
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:
I received a credit report update on the XXXX XXXX apps credit journey feature and it said I had a new credit card opened in my name, naturally I panicked. I checked the details and it said I have a balance of {$59.00} and the bank is XXXX. The only remembrance of even applying for a credit check was for a XXXX XXXX credit pull because I was looking to finance a tv. However the credit I was approved for was less than I expected and I told them that I rather not open the credit card. I never received the card in the mail and I never activated anything. So you can see where I am confused at.

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 2023-10-05
Company: CrossCountry Mortgage LLC
State: PA
Product: Debt or credit management
Sub-product: Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees

Complaint:
A person called me claiming to work for my Mortgage company. He said I had negative escrow and needed to pay it asap to avoid foreclosure. After paying {$800.00} in visa gift card. He offered me a way to lower my monthly payment by {$500.00} by doing a mortgage modification. So I Paid the 3 trial payment of XXXX Then other fees for " paperwork '' 2026 and another thousand. Now I am getting late notices and am Behind on my mortgage. I lost close to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: COMMERCE BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Starting to try to close account in which Commerce Bank will not because they say I need to use my reward statements. There is no possible way to contact any number to redeem my rewards ( i want placed toward my balance ) and all the numbers listed do not work or if someone answers they transfer to a line that does not work or have anyone to know how to handle. Days and hours have been spent trying a simple transaction and I believe it is a strategy design to not allow a consumer to close an account with them. Highly illegal and should be looked in to. I am a senior and I am being discriminated against and this bank has illegal practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Recently my parents gave me two checks for a few XXXX dollars. One from a joint account and one from my mother 's personal account. I deposited them to my Chase checking account. Shortly after, I tried to use my debit card, and it declines. I call Chase only to discover my account is completely restricted as the deposit had been automatically flagged for potential fraud. Keep in mind I am a full-time college student and this money was going towards paying rent, gas, and food. I have called Chase multiple times to try to clear the restriction, every time they say the same thing, their system is not showing verified phone number for the maker of the check. Apparently, they need to call the maker of the check to verify. Now, my mother has her personal phone number on these accounts, and I can not see a single reason the number wouldn't be verified. Every time I ask what we can do to verify this phone number, they say there is nothing I can do, their system has to verify it. Honestly, they have been absolutely no help in resolving this issue, in fact they say the funds will be completely held up until the checks are verified as not fraudulent, if not, they will keep my account restricted for years until they finally close it, then the money is returned to the state. It's completely ridiculous. They say there is no other way to verify the checks, which is hard to believe. One of the accounts the money was sent from is also a Chase account, which has been open for many years, and they still can not verify it. The other account is a XXXX XXXX account, and my mother called them to find that XXXX XXXX had absolutely no problem clearing the checks, and Chase should have the money. Chase means to hold these funds hostage with no clear way to unrestrict my account. Meanwhile, I have classes to worry about, and rent is upcoming. The process for verifying the check seems simple but has caused me nothing but problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: OK
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$140.00}

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 2023-10-09
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have fake information in the " social security numbers '' area in which I only have and have only used the social security that was provided after my birth in XXXX XXXX I have reported several things over the past 2 years and yet nothing have been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: NV
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 hope this letter finds you well. I am writing to address a matter of utmost importance regarding an account with your company, which has been included in my recent bankruptcy proceedings. Despite numerous attempts to have this account correctly marked as " included in bankruptcy '' and removed from my credit report, I continue to face challenges in resolving this issue. 

The account in question is associated with the following details : XXXX XXXX Balance Owed : {$0.00} and this account was among those listed as part of the bankruptcy filing. According to bankruptcy laws and regulations, accounts included in bankruptcy should be accurately reflected on my credit report with the appropriate notation. 

My attempts to rectify this situation have been extensive, including multiple letters, emails, and phone calls to your company 's customer service department. However, despite my efforts, the account continues to be reported as active and unpaid on my credit report, negatively impacting my credit score and financial stability.

I want to emphasize the importance of resolving this issue promptly. As I work to rebuild my financial health after bankruptcy, having this account incorrectly listed as active severely hinders my progress. I am requesting the following actions to rectify this situation : I kindly request that you promptly update the status of the account associated with XXXX to accurately reflect that it was included in my bankruptcy filing. This notation should be reported to all major credit bureaus. 

Please take the necessary steps to ensure that the corrected information is reflected on my credit report as soon as possible. I understand that this process may take some time, but I request your assurance that it will be resolved accurately and expeditiously. 

Upon completion of the necessary corrections, please provide written confirmation that the account has been accurately marked as " included in bankruptcy '' and that this information has been conveyed to the credit reporting agencies. 

I believe that by resolving this matter promptly and accurately, we can ensure that my credit report reflects my financial status correctly and helps me rebuild my credit post-bankruptcy. Failure to address this issue may result in legal actions, as inaccurate credit reporting can have serious consequences. Please help me remove this account : XXXX XXXX Balance Owed : {$0.00}.

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 2023-10-09
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Information in regards to student loan not filed and off record and just keep putting negative information on credit report and CFPB keeps closing only going with NAVIENT information and not what is documented

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
We received a collection notice from midland credit management for a debt turned over to them from XXXX XXXX Th original company was XXXX The debt was made XXXX and turned over to midland on XX/XX/20 This is not our account and the address which all this information was sent to is not us as it is in another state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: JPMORGAN CHASE & CO.
State: CA
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 am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX XXXX XXXXXXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: ADP Inc.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was told that I needed to send I two forms of I D. To verify my account so I can change my email address to change my password to gain access to funds. I first call XX/XX/2023 and since then I've spoken to several operators with no progress at all in the matter. Wisely make it clear that they are not customer friendly. They purposely removed their cards from merchants being able to resolve issues with their employees in a timely manner forcing them through a long process with hopes of them giving up their funds for closure and peace.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A random account that went by ( LAW OFFICES MBA ) was added to my report last year that I had NO KNOWLEDGE OF, so I looked into it and found out it was nothing that was from myself. I filed a dispute telling them its not mine and it must be identify theft and they removed it from my report. This was XXXX of 2022. Then in XXXX or XXXX I received another random collection account added to my report named ( XXXX XXXX ) and when I looked into it, i noticed that it was for the same amount that the ( LAW OFFICES MBA ), which was for {$930.00}. They just changed the name and have been giving me a problem since. I've disputed multiple times and can't seem to get them to comply to remove this nightmare. So now I am taking action and filing a complaint with you. ( XXXX XXXX ) is also inaccurate with there information as well. They are adding payments every month saying that I'm behind and that's not legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX my identity was stolen and once realized, I filed a police report and identity theft report with the ftc and notified the credit bureaus and companies involved of said fraud. The guilty party is currently being prosecuted in XXXX, Texas. Since notifying XXXX communications of the identity theft, the debt attached to this fraudulent account has been sold over and over again to different creditors, causing a hit to my credit each time it and each time, I am having to contact each company and file disputes, when this should have been taken care of and deleted YEARS ago. I want to file this complaint because the selling of this debt has to be illegal since the account was obtained illegally. Please take the necessary steps to penalize all parties involved in the continued selling of this illegal debt. I should not have to file a complaint to get companies to follow the laws set forth by the laws of this land. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I received a copy of my credit report and noticed a company I had no dealing with. This company XXXX XXXX XXXX  XXXX - I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. Please delete this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Credit Karma, LLC
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Credit Karma told me I had good approval odds for a secured loan using my car as collateral and it used wording like take offer making me feel I was pre approved. I applied and was immediately denied after they pulled my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
On XX/XX/23 I received a wire transfer from XXXX to my Chase checking account in the U.S. 

The amount of the transfer was XXXXXXXX XXXX and the amount I received was XXXX XXXX 

This works out to an exchange rate of XXXX XXXX XXXX XXXX The exchange rate on that day ( per the XXXX XXXX XXXX ) was XXXXXXXX XXXX XXXX XXXX. So, the net amount in XXXX should have been XXXX 

I called Chase to complain. They said they only receive the funds they dont set the exchange rate. They also said I should contact the originating bank in XXXX. I dont know who that is but I sent an email requesting that information to the law firm in XXXX that sent me the funds. 

Regardless, I still feel Chase is culpable because before I initiated the transfer request I asked chase for information on how to do the transfer and any associated fees ( see document 1 ).

Their response steers you away from using a check and towards using the XXXX XXXX XXXX system. They said they would charge a XXXX} fee but it might be waived depending on the type of account I had ( and they did waive that XXXX fee ). Theres also a footnote that says other financial institutions may charge fees. In this case the originating firm in XXXX charged XXXX  ( see documents XXXX, XXXX, XXXX & XXXX ). 

What Chase doesnt doesnt tell you is that the XXXXXXXX XXXX is a separate entity from Chase and they typically charge a XXXX  % fee for these type of transfers ( see document 3 ). I only learned this after researching the matter when I got less money than expected. Also, there are other transfer options available that are either free or substantially less expensive than XXXX. 

I dont know if Chase XXXX directly, or indirectly, from this hidden charge but I am absolutely certain they knew about it. This makes them an accomplice in what I consider to be a scam. 

If I had known about the XXXX % skim I would have never done the transfer using XXXX

Company response to consumer: Closed with monetary relief