BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Individual tried to purchase a saddle online from me and claimed to send the money to me but I received nothing, was scammed into sending {$400.00} and then individual continued to ask for more money ranging from {$1000.00} to {$2000.00} claiming their account was double charged. This was all through the " XXXX '' app supposedly, but followed suspicious activity. Has been reported to XXXX and the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: MD
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:
My Experian account number is XXXX I have tried on numerous occasions to correct my personal identifiers on my credit report to no avail. 

The only information being report that should show : Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX, MD XXXX XXXX XXXX XXXX - telephone XXXX XXXX XXXX - birthday

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 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation : and I filed with TransUnion a dispute for investigation for a fraudulent collection. 

Dispute Results Report Created On : XX/XX/2022 File Identification Number : XXXX Report disputed on XX/XX/2022 Name XXXX XXXX ACCOUNT NUMBER XXXX This was my investigation results INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 

We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Closed. Here is how this account appears on your credit report following our investigation. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The account still shows open it also shows XXXX missed payments since the opening of this account but that cant be accurate if my account is in collections according to my credit report. Investigation did not give me complete information requested per dispute.

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 2022-10-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Kabbage closed my account but I still had {$300.00} in checking account funds. On XX/XX/2022, I reached out to Kabbage customer service to ask for my {$300.00} to be sent to me via check since I can't login/access the account to withdraw the funds because they closed my account. Subsequent follow-up calls and emails to their customer service email and they still are holding my {$300.00} balance hostage. I have tried many many times to call them between XXXX and XX/XX/2022 and they said they will open a ticket or send out the {$300.00} but I still haven't received a check in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I keep getting debt collection letters from " Portfolio Recovery '' and debtors, of multiple Collectors for the same debt ( s ) and I asked for a " signature agreement '' or original copy of the credit card or my " Special Fonts '' signed e-signature to prove these debts are " Not '' from the Identity Thieves, that Stole my personality and keep Selling my info and data over the internet. I received a normal monthly type " bill statement with my name typed onto a state and bill. The Thieves have that " personal Info '' same as these Debt Collectors. but, The Credit Agencies have alerted me many times, that my personal and info is being shared over the Dark web. I can't seem to get the help or verification of my " signature document '' from any of these Collectors and my cases just get closed as the debt collectors send you all at the Consumer Financial Protection Bureau ( CFPB ) and the credit agencies the same " statements '' with my personal name and address and then you all close the cases and so does the credit agencies. where is the " Reporting and Collecting Proof of signature Agreement???

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hello, someone opened an account using my SSN with Truist Bank on XXXX. I did not open an account with them. I spoke with the Bank and was transferred to the faud department and was kept on hold for more than an hour. Please help me to dispute and close this account. I am in the process of seeing what other damage has been done.

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 2022-04-24
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never open an account with these companies and I believe the accounts are fraudulent : 1. XXXX XXXX- an account was open on XX/XX/2016 for amount {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I paid in XX/XX/2020 for a collection bill for XXXX XXXX XXXX electric bill of {$270.00} account # XXXXHELVEY & ASSOCIATES INCORPORATE never discussed anything about disputing after I paid my account. I asked HELVEY & ASSOCIATES INCORPORATE to remove and dispute it from my credit report. They stated that they could not remove it and that it would remain on my credit report. HELVEY & ASSOCIATES INCORPORATE never said that at the beginning of me paying for my account. HELVEY & ASSOCIATES INCORPORATE has affected many customers by not removing or discussing anything about disputing a collection. HELVEY & ASSOCIATES INCORPORATE is not a XXXX  ACCREDITED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: DISCOVER BANK
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recent dispute with Discover to removed charges that do not belong to account holder. Please remove all fraudlent charges Discover Card account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: KEYCORP
State: NY
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:
On XX/XX/XXXX I clicked on an Ad on XXXX that advertised XXXX XXXX backing XXXX XXXX XXXX XXXX. It looked like a legitimate website, but after purchasing, it seemed fishy. I received a confirmation email from " XXXX  XXXX XXXX, '' and one said it would show on my credit card as " XXXX XXXX XXXX. '' They other charge on my card said it would be from " XXXX  XXXX XXXX. '' I called KeyBank on XXXX XXXX, XXXX to say I wanted to cancel the purchase because something didn't seem right. They said to wait to see if I receive the item. 

I did receive a bottle of Keto Gummies. I received one a month later as well, even though there wasn't auto purchase set up. When looking at my credit card later I noticed that there were strange charges on it. 

XX/XX/XXXX : XXXX XXXX XXXX XXXX- {$38.00} XX/XX/XXXX : XXXX XXXX XXXX- {$140.00} XX/XX/XXXX : XXXX XXXX XXXX- {$130.00} XX/XX/XXXX : XXXX {$140.00} XX/XX/XXXX : XXXX XXXX XXXX- {$130.00} I didn't make any of these purchases, nor did I receive anything. However, the bank denied my dispute TWICE because they said it had my information, email and address on file. ( Probably because I ordered the keto gummies prior to this ) The bank said they had tracking numbers from USPS associated with the orders. 

For the orders that were : XXXX and XXXX, the USPS tracking number was : XXXX. 

For the one that was XXXX the USPS tracking number was : XXXX. 

When looking up these numbers the website says " Label created, not yet in system. '' When looking up what this meant, it says that someone has made a label, and it can be independent businesses, but has never been dropped off at the post office to be mailed. The message is the same after 7 months. 

Furthermore, when I started looking into the keto gummy scam, the following websites gave me more information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  KEY BANK CLEARLY DID NOT INVESTIGATE THIS DISPUTE LIKE THEY CLAIMED THEY DID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: AMERICAN EXPRESS COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Important Your XXXX  will be canceled on XX/XX/2022 Dear Member : We've paused your available credit. because of an unusual activities. 

While your credit is paused, new charges for you and any additional Members may be declined. New charges on any other membership you have may also be declined. 

Visit XXXX Have your card handy, logging and follow the simple steps to start using your card instantly. 

Thank you for your Card Membership, XXXX  XXXX XXXX IF YOU DON'T RESPOND IN TIME. 
Your account may be cancelled.

You may lose any rewards you have pending with American Express.

Your personal account will be reported as past due to the credit reporting agencies if we don't receive the total amount due for two or more consecutive billing periods. 


XXXX XXXX  XXXX Recieved this email. Did not respond as I do not have an American Express account. 
I simply do not know where to report this scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For over the last 6 months now, I can not access my TransUnion credit report via their website. I have tried to fix this with the company many times over the phone and via the internet. However, TransUnion informs me that the account is okay, and that I should have full access to it. But, I DO NOT have access. 

I think that I have also been paying a monthly subscription fee only not to have access to my account. 

Another thing is that my credit score is very much lower than my XXXX and XXXX credit scores. I understand that this is an issue with many other persons too. I would like them to fully investigate my score and adjust it to what it should correctly be.

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 2022-11-17
Company: Mountain Run Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Mountain Run Solution has threatened and called stating that I owe a debt that was given t them by XXXX XXXX XXXX dated back from XXXX. Mountain Runs previous Statement under Consumer Compliant # XXXX stated that they bought a debt back in XXXX from XXXX. I have told this company that I was not living in washington during this period however, they have continued their aggressive tactics and threats. They have now went back in and reported that the account was open in XXXX and illegally run my credit report without my consent. They attempted to offer me to settle a debt at {$300.00} that was not mines to began with. Now,, I want to see the contract that was date opened in XXXX ( Stating 4 months past XXXX ) that they just report to the credit bureau today XX/XX/XXXX. This is legal, unlawful and validated the Fair Credit Reporting Act and something needs to be done with this Company and the female employee who continues call and harass people even after being told not to call my number gain.

This information needs to immediately be remove from Credit report. I will not pay even .10 cent regarding this illegal debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check on XX/XX/XXXX and this company put an 11 day hold on my account. Tidal is XX/XX/XXXX and now this bank still has yet to release my funds and when I called they are now saying my funds will be released by XX/XX/XXXX midnight today so the XXXX of XXXX. I am staying in a hotel and this hold has practically caused me to be XXXX  it has made my credit card payments late and my storage unit. It has cost me XXXX of dollars in late fees! This bank has no right to hold my funds another day! Now I am going to be kicked out of the hotel I am living in! This is outrageous and illegal!

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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled XXXX XXXX XXXX XXXX XXXX NY XXXX, BK OF AMER 61**, BK OF AMEXXXX 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 2022-06-27
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Navient was sued by XXXX XXXX XXXX across the nation and they stated they would cancel the debt of the loans that had defaulted based on certain criteria laid out in the finalized agreement with the court. I received a response from Navient that unfortunately while I met all the criteria for student loan cancellation, my loans were not on the list of for profit universities through my CFPB complaint. The CFPB closed the case. However I stated I fall under Category 3 Non traditional Private loans below : Category 3 Criteria : Non-traditional Any non-traditional private education loan with an outstanding balance and in Past Due Status as of the Debt Relief Forgiveness Date disbursed by SLM XXXX lenders, subsidiaries, predecessors, successors, and/or affiliates after 2002. Non-traditional as used herein means a private education loan disbursed ( 1 ) to a borrower with a XXXX  score below 670 at origination to attend a private for-profit educational institution; or ( 2 ) to a borrower with a XXXX  score below 640 at origination to attend a public or a private not-for-profit educational institution. Please see page 42 on the consent order that Navient signed under Category XXXX Criteria for non traditional private educational loans. 

Navient has done nothing to cancel my defaulted loans, and refuse to cooperate and instead believe I do not qualify while simultaneously acknowledging that the loans have been past due and delinquent for years and say they do not understand because when I forwarded them the signed agreement the representatives believe I should have the loans cancelled. 

I do qualify for the debt cancellation for every tuition answer loan that was taken out. I under the Category 3 Criteria non traditional private educational loans. I had a XXXX score under 640, tuition answer loan XXXX, to attend a not for profit educational institution. 

I asked Navient to respond to my request and they sent a letter that I attached below from XXXX XXXX an advocate for Navient. 

I requested to show proof that my XXXX  score was above 640 at the time of origination and they stated they would research the information. However, since they already made this decision wouldn't they have proof that my XXXX score was above 640 considering they sent this letter stating I didn't qualify. 

The facts present that my XXXX score could not have been above 640 at time of origination because I had to have a cosigner. 

Navient is not cancelling the loans as they have stated they would do with the Multi State GA agreement. 

I qualify because my XXXX score was under 640 at time of origination, under the order of the court. 

I have attached all correspondence from Navient and myself. Also, I have attached the XXXX XXXX agreement. Please see page 42 under Category XXXX private loan cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Wells Fargo XXXX Account was never late. I never received payment invoices for the moths they are claiming. As soon as I realized what had happed, I called them and made both payments the same day. They said it would not affect the credit report. I also sold that car in XXXX, as you can see in my credit report. I purchased a new car from XXXX in XXXX. XXXX sent wells Fargo the payoff but they show me being 30 days late then also. 

This Paid account is having a negative impact on my credit.

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 2022-06-27
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I've been trying to pay my credit card balance but the company 's website says it's being updated and directs you to a quick pay site. 
That site doesn't work either. 
I've called numerous times to pay by phone, which costs money, but the recording says " due to unseen circumstances, we are closed ''. 
I'm being charged a late fee even though I wanted to pay on time. 
This is unacceptable. 
I want a call back from Comenity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: TX
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:
I am appalled by the ability of the Credit Bureaus to consecutively ignore the letters and complaints I have been sending to them. I was a victim of identity theft and this is my third request to remove the information in my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any information not later than 4 business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. Also, the information that some credit Bureua provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. This complaint is to notify the Credit Bureuas that if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for their willful noncompliance : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation