BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-22
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card
Issue: Other

Complaint:
XXXX/XXXX/2016 Dear Colleague, RE : Unauthorized inquiries Below please find enclosed a description of the event occurred that is needed to resolve this case dated as of today XXXX/XXXX/2016 at XXXX If you have any questions about completing your investigation please contact me directly at XXXX ext. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Conduent Incorporated
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
This is regarding a VA unemployment benefits Way2Go Debit Card. We received this card for the benefits effective XX/XX/2020 but we have never been able to activate the card using the Way2Go mobile app, GoProgram.com, nor on the number we are to call in order to activate the card. Even we we do call the customer service number ( XXXX ) and follow all the instructions provided and inputting our own information ( card number, DOB, SSN, the security code ), the call always tells us that we are unable to verify the information. When we try to speak to the representative, the call tells us to wait in the queue until the next available agent and then after 10-15 minutes the call will time out and say that it failed. It has been almost two months and we haven't been able to use the card. This is for unemployment benefits, it is unacceptable that the card can not be used for this long. We can not even check the balance that is inside of the card. Please try to help up resolve this asap. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: EQUIFAX, INC.
State: IL
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:
XXXX mortgage payment was made XX/XX/XXXX bringing account current when it was previously 30 days past due. 
Credit Bureau was last updated XX/XX/XXXX showing 30 days late. 
XXXX and/or all three credit bureaus did not and have not yet updated reports showing I am current and it is now XX/XX/XXXX XXXX says they reported on XX/XX/XXXX ( see attached letter ). However all bureau 's still show 30 days late with no update from XXXX since XX/XX/XXXX. 
I have been waiting for the status to update so I may buy a more reliable car but I need my score to go up just a couple more points to qualify. When XXXX no longer shows 30 days late this should help. 
Unfortunately XXXX is still reporting 30 days late and when I call I was told three times that they have already sent the update to the credit bureaus. But - still no update. 
I am going to have a problem with having reliable transportation if the is delay much longer. The have not been truthful in communicating their reporting ( see attached ) and are in violation of the FCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Fraud alert placed on National Consumer Telecom & Utilities Exchange consumer report. 

Consumer reporting agency above refuses to send copy of report I am entitled to see as a result of fraud alert placed. 

NCTUE Disclosure ReportXXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I went to https : //www.transunion.com/ to get a free credit report. When I signed in, they collected my credit card. I believed all of this information was for my credit report, but then I received an email saying I was billed. 

I found the website of Transunion to be intentionally deceptive. The button I originally clicked to initiate the purchase just said " My credit score & report '' and then I was only told it would cost money in a tiny little bit of text on the larger form. I believe Transunion knows that consumers think they're getting a credit report when it is actually charging them for a paid subscription, and keeps their webpage designed this way to trick consumers for their own profit.

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 2021-01-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On my XX/XX/XXXX billing statement ( payment due XX/XX/XXXX ), I have a Balance Transfer balance subject to interest ( 15.90 % ) of {$5300.00} and a non-interst bearing balance ( Promotional Cash Advance ) of {$4200.00}. When I discovered the XXXX balance was interest bearing, I submitted a payment of {$5300.00} on XX/XX/XXXX. Upon reviewing the XXXX statement, I discovered USAA did not allocate my payment to the interest bearing balance that I intended to pay off. I called USAA on XX/XX/XXXX ( spoke to XXXX ) to inquire if USAA 1 ) could explain how the payment of XXXX was allocated because the 2 remaining XXXX balances only decreased by {$3400.00}. 2 ) Request that USAA go back and allocate the payment as I intended to avoid further interest charges. After an hour of explaining my position, the rep could not explain USAAs method of allocation and he further explained the only way to avoid interest charges was to pay the account balance in full ... even the non-interest bearing balance. Although I am carrying 2 promotional balances ( no other account charges ) I should be given the option of paying off the interest bearing balance or be given their method of allocation so that I can submit the payment amount to avoid further interest charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was paying on these bills and come to find out they were from XXXX. I was paying {$25.00} a month and every time I got one paid off. They would say add Nother one. During the time of these bills I was working at XXXX I had XXXX I also had my so security so I told him these bills should not be mine. So I just up and quit paying them almost a year ago. Was I wrong in doing till even know they should n't have been charged to me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On 2 previous occasions, I have tried to get Experian Credit bureau to report accurate information on their credit reports regarding my name and address. This will be the third and last attempt for them to get it right. Experian has a negative history reported on the Internet regarding falsely reporting of consumer credit report information and I do not want to be their next victim.

I want them to remove past residence addresses, phone numbers etc. Since I don't live at these addresses anymore the USPS can not deliver that mail to me. And they are not reportable as per the FCRA. Since they are inaccurate. Enclosing information. Also both XXXX and XXXX have received information from a creditor regarding a negative dispute date for FCRA required removal of a specific item. Both XXXX  and XXXX have removed this negative item from their reports, Experian acts like it doesn't exist. It The item has yet to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an American Express credit card I was one day late on my payment that was due XXXX and paid XXXX. I was charged a {$25.00} late fee and contacted American Express XX/XX/23 and asked them to waive the fee as a courtesy I was until they submitted the request but it came back denied for unspecified reasons. I asked a supervisor what reason was provided for the denial and he didnt know and said it could be any number of factors as they do not give Amex representatives that information but he did disclose that because I do not use my card enough that may be a factor as to why my request was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been sending in validation letters and which I haven't got any response. I contacted original debt and was told I dont owe anything. The cellphones were returned about a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: URS Holding, LLC
State: AZ
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company is harassing everyone in my immediate family as well as my siblings ' parents. They are also calling me on Saturdays and Sundays.

Company response to consumer: Closed
Consumer complaint received 2016-11-29
Company: Focus Holding Company
State: NH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX sent my bill to multiple collection agencies. I paid the XXXX that contacted me, but now XXXX of the other agencies is still reporting the debt as a charge-off or unpaid balance on my credit report. I have submitted a claim to both the reporting agencies and the collection service that is reporting it, and all have basically come back and said that I owe the money anyway, despite having sent the receipt for my payment to the other collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Other

Complaint:
Chase is taking 7 days or more to apply payments to the available credit. The timing is happening like this : Day XXXX : Payment is made onlineDay XXXX : Money is withdrawn from my checking account. 
Day XXXX : Payment is shown online and current balance is updated. Available credit is not updated. 
Day XXXX : My bank confirmed that the funds were deposited to Chase. 
Day XXXX : Available credit is finally updated. 

I was told by customer service that the available credit is updated once funds are confirmed. With funds deposited into their account by day XXXX, there is no reason it should take longer to update the account. All of my other credit cards update within 1-3 days. Chase is the only CC that refuses to update in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I received an inquiry from Capital One which I did not apply for. I have no recollection of ever applying for their credit products and live about 2 hours away from the nearest capital one bank. 

I also got 2 inquiries on the same week from XXXX XXXX. One on the XXXX of XX/XX/2020 and another one on the XXXX of XXXX of 2020. I am unaware of how these inquires got on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been disputing a judgement for over a year. The judgement has been paid since 2013. Every time I dispute the judgement showing not being paid the results are that the company who placed it there verifies that it is correct. After a few attempts to dispute this through the credit bureau and getting the same result every time I contacted the court that the judgement went through and the company who placed the information on my credit report. The court says the judgement has been paid and they sent the paperwork stating such to the company who filed the judgement. I then contacted the company who filed the judgement and they confirmed that the judgement had been paid. They sent me a letter stating such so that I could provide documentation to the credit bureau. I sent the letter to the credit bureau and the response I received was that they could not use it to make the changes and would have to verify the information with the company who provided it. I am not sure why the company who put this on my credit report is still verifying it as correct, if they are in fact verifying it as correct, or why they did n't update my credit report in the first place. Every time I have to correct a mistake, correct an account, etc. I have to provide documentation such as drivers license, proof, etc. and sometimes even that is not enough, while the company who put the information on my credit report or is verifying the information only has to do so verbally.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I notified Experian that this is a fraud account twice. I called on XXXX/XXXX/2015 to complained about there investigation with this fraud account from this collection company named XXXX XXXX Nv XXXX.Under Fair Credit Reporting Act, I should had been mail of any account in collection to be notified in writing about a collection account. I was n't notified of this collection account until my credit alert notified me of this collection. This account is identity theft and Experian only asked for basic information to this company like my name and date of birth. Any person can have that kind of information. I have asked for proof that this is my account, copies of social security, identification etc. collection companies are breaking laws and the credit bureaus are letting these company get away with this. This is not a duplicate

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX XXXX has a debt listed on my credit files and the credit bureau companies stressed that a proper investigation was completed on their end and left my dispute unanswered because the debt is still listed. I find it amazing that I reached out to the company and XXXX reached out to the company and we did not get any results. IT amazes me that I can not get debt validation as requested and XXXX could not get any results on my behalf ( see attachments ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: AMERICAN HONDA FINANCE CORP
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My car company American Honda Finacial has contacted my job after told not to! I work at a hospital and I can not have any personal calls come through on the company phone. American Honda Finacial keeps calling my job and my Director told them they can not call the hospital phone. I have also recently spoken with Anerican Honda Finacial Repersenatives and had told them orally not to call my job and gave them an updated number and point of contact on XXXX XXXX, 2016. I also made a payment agreement! However, I am feeling unsafe that my Truck has a recall with airbags that Honda has yet to replace and fix! They say I have to wait for my second recall later! Any any of my payments were late I was trying to safe as much money as U can as a XXXX Mom to buy a much safer vehicle ASAP. The though of an airbag and Sharp metal pieces taking the life 's of anyone in the vehicle!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. I did not authorize these credit pulls.  There are addresses where I haven't lived, and there is a name that doesn't belong 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 2021-01-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I been a victim of identity theft since 2008 my information got leaked out through XXXX College in XXXX XXXX XXXX XXXX scandal all the way to now plus the credit company which is u guys got hacked and my information was leaked equifax all my information was stolen then Im tired of going through the pain and suffering due to the action s of those who is supposed to have protected me especially when u r affiliated with the government I AM NOT A CRIMINAL I AM A VICTIM AND ITS TIME FOR SOMEONE TO PAY ME BACK FOR THIS PAIN I HAVE ENDURED FOR TO AMN LONG

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: EQUIFAX, 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:
When looking at my credit report, I noticed some fraudulent accounts and hard inquiries. I contacted the Federal Trade Commission and received a report from them. Please block and remove the accounts and hard inquiries from my credit report. I have attached my Identity along with all supporting documents as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: Convergent Resources, Inc.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Original Creditor : XXXXCurrent Credit Agency : Convergent/XXXX This Debt is XXXX years old!!!!! 
Asking for me to pay a debt but can not find my stock!!! From the periods of XX/XX/XXXX, and from XX/XX/XXXX. I had several incidences, with this bank, that put me under the suspicion, that XXXX XXXX XXXX did something that should not of happened. 
The first incidence was, when I left my job, XX/XX/XXXX after being downsized, I elected my XXXX account with this Bank. I had to sell some of my stock XX/XX/XXXX. for a personal reason. That XXXX, I was received a statement describing the remaining of stock that I had. XX/XX/XXXX I had it was sold and there was no description of where it went to. After, going through old statements, I contacted the bank XX/XX/XXXX and was told that it merged XXXX. An assistant to the Vice President XXXX XXXX XXXX XXXX XXXX, attempted to help me locate the remaining XXXX shares. Unforunately, unable to do so, and explained that I needed to get an a-sheetment from where the shares came from by calling XXXX. 
B ) The XXXX incident, was in XXXX, when a XXXX insurance policy was cancelled, due to a compromised account. 
C ) When the account was compromised by making purchases online through XXXX and XXXX. 

Convergent XXXX XXXX Bank CheckingSending for a settlement offer of $ XXXXThe same with this Bank, XXXX XXXX was compromised and I received XXXX ATM cards within 3 months! Something is wrong with this XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I could not access my online banking. I followed Wells Fargo online prompts to identify me. Their site required me to enter my entire social security number. I was pensive, but complied. On the next screen their site required me to enter my ENTIRE ATM card number. I was VERY pensive, but complied. On the next screen their site asked for my ATM PIN number. I did NOT comply. This is ridiculous ... any hacker would have EVERYTHING they needed to hack into my accounts! I called the Wells Fargo number on the back of my ATM card. A gentleman there transferred me to an automated system which required me to repeat my voice is my password, please verify me. I had used this system in the past, and it worked. This time, the system asked me to repeat it again & then asked me for my account number or ATM number which I didnt have with me. I pressed 0 and got a woman on the line that wanted me to start all over again. At this point, I still havent been able to get into my account and I was irritated that she couldnt just put me back into the que to reset my password without another hour on the phone. Their system breaches my rights to my information being kept secure.

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 2015-03-25
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am receiving calls ( XXXX ) a day from BBVA Compass and have told them on the phone and in writing I am not XXXX XXXX ( my name is XXXX XXXX ) and to please stop the barrage of calls. They clearly do n't believe me and another person may call within hours, most certainly days. I should n't be getting calls all evening and I have an XXXX shift and head to bed early around XXXX. Weekdays, weekends, they do n't believe me and wo n't stop. What do I do?

Company response to consumer: Closed with explanation