BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
JP Morgan Chase, account XXXX ( see attached ), is reflecting a balance of {$150.00} in the Account Info section on my XXXX credit report as of XXXX XX/XX/XXXX when the account was paid in full in XX/XX/XXXX which is also reflected in the Balance section as {$0.00} on my XXXX credit report. 

I respectfully request proof of this {$150.00} balance and an explanation why I have not received a bill in the mail if indeed I still owe a balance of {$150.00}. I believe this balance was tacked on to my credit report in retaliation for disputing something completely different : 30 days late in XX/XX/XXXX. Please also send proof that I was late in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Name is XXXX XXXX XXXX, I have a bank account with Wells Fargo bank, Account # XXXX, on XX/XX/XXXX I deposited a check of {$1900.00} check # XXXX to my account using Wells Fargo mobile deposit on my smartphone, I must have lost the physical check because on XX/XX/XXXX the physical check was negotiated at another location, from either another bank or check cashing, on XX/XX/XXXX Wells Fargo bank paid for that check again, by using the funds in my bank account. A thief, presented the check to a bank or check cashing, the bank or check cashing should have the ID of the thief, since there is no other ID on back of check, the thief only used his/her phone number and address which is probably false we tried the phone number its not working I have no way of knowing who the thief is, I would ask the party that presented the check to wells fargo the second time for the ID of the person that presented the check to them, they had no right to cash or deposit the check without ID. Bottom line, if the financial institution did their job it should be easy to identify the person that presented the check the second time. I am uploading a copy of the check and the banks letter

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/2022, XXXX XXXX  XXXX  requested a credit review on my name through TransUnion. I am a current customer of XXXX '. 

When I called XXXX, they transferred me to 5 different people but did not respond to my question as to why a credit inquiry was initiated using my personal information. 

I am being extra vigilant because a few days ago, someone fraudulently used by personal information and tried to apply for a credit card on my name with XXXX. After I received the alert by XXXX that XXXX ran a credit check on me and after i confirmed the details with XXXX, I decided to be cautious and check all 3 credit bureaus for suspicious activity. This is when I saw the XXXX inquiry. 

XXXX was also unwilling to put an alert in their system for my name/ss #, in case someone tried to open an account with them using my name fraudulently.

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 2021-01-19
Company: SLM CORPORATION
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was in a forbearance plan and had to make a certain amount of payment each month for 3 months. On the last month I put the payment on auto pay to make sure it would continue to pay after the three months. The autopayment did not take enough money out and the company reported me as delinquent. I called and they rectified the error and stated it was their mistake, the loans are now reporting 90 days past due one time and hurting mine and my cosigners credit significantly.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: NY
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 was a victim of identity theft identity theft report attached. 
I have no knowledge of these accounts. 
They are not mine.

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 2020-06-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
USAA STEAL MERCHANTS CREDITS. I reported {$470.00} FRAUD XX/XX/2018 AND NEVER RECIEVED USAA FRAUD CREDITS. USAA CONFIRMS NO FRAUD ON THIS ACCOUNT. See attatched No Fraudulent Activity Found After Review of Your Claim XX/XX/XXXX, XXXX see attatched Statement XX/XX/18 my payment {$77.00} & {$28.00} {$47.00} {$34.00} {$21.00} {$75.00} {$170.00} MERCHANTS CREDITS POSTED. Kindly Note ( * TOTAL PAYMENTS AND CREDITS FOR THIS PERIOD {$450.00}. * ) Kindly Note ALL usaa SECURITY ADJUSTMENT ( OF ) 's usaa Reversals of Merchants Credits. Kindly Note statement New Purchases  {$680.00} usaa REVERSED ALL MERCHANTS CREDITS POSTING THEM AS NEW PURCHASES. USAA PROVIDES NO PERMANET FRAUD CREDITS REVERSES MERCHANTS CREDITS LEAVING ME WITH FRAUD THAT THE METCHANTS PAID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: AMERICAN EXPRESS COMPANY
State: MA
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 purchased a Serve XXXX american express card in-store on XX/XX/2022 and loaded a balance of {$400.00} at the store. I did not use this card afterwards, I did not give the card information to anyone, and i did not authorize anyone to use this card on my behalf.Shortly after the purchase of the card, a fraudulent transaction to XXXX was run for {$400.00} on unbeknownst to my knowledge. I have tried calling serve multiple times to resolve the issue. I have filed disputes multiple times and followed all of their instructions but they have failed to provide any reasoning or evidence for their non findings. I have communicated to them multiple times over the phone the charge was not mine, but they will not take any action, they will not close out the account and continue to bill me. All they have done is send me a new card to use which i told them i am never using their products again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I have reached out to the FTC and to my local police department. These items need to be deleted from my credit report XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX AND XXXX. I am doing this on my own.

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 2021-04-15
Company: SYNCHRONY FINANCIAL
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:
I have tried to resolve this with PayPal/Synchrony bank on multiple occasions. They are not working with me. I purchased a plane ticket through XXXX XXXX during the pandemic and it ended up getting cancelled after getting rescheduled multiple times due to COVID reasons. The merchant verified that they sent the money back to the credit card company ( PayPal/Synchrony ). However, after repeated attempts, PayPal/Synchrony refuses to give me my money back. PLEASE HELP!

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 2022-07-19
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
the website for my credit card provided by comenity bank has been down for over a month now. i can not access my account to pay or view balance. the phone support is impossible to reach. the website is https : //d.comenity.net/ac/sonyvisa/public/home

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: VA
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 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. 

XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account # 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 2021-04-15
Company: Experian Information Solutions Inc.
State: VA
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:
Experian shows my FICO score went down 30 points. I don't have anything on my credit, but an account that I paid off. Experian is showing some account in red, but when I click to see where the red account is from, nothing shows up.

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 2022-10-03
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First- I see over 400 reviews on XXXX  saying that this FAKE debt collection company is a SCAM and so many users claim they have been reporting to government agencies. So I implore you to take action before more vulnerable people lose money. 

The company is called Sequium Asset Solutions , LLC In my case, they keep claiming they are representing XXXX XXXX XXXX XXXX ( I can see from many other complaints that they typically claim they are representing any sort of phone or internet or cable companies ). 

Personally, my phone is linked to a Business account in my partners name so I have NO account at all with XXXX XXXX XXXX. It also shows that the account is related to an INTERNATIONAL mobile number and I have never lived outside the US or had an international number. 

When you call them they attempt to " VERIFY '' your account and try to get very personal information from you. If you do not provide this additional information ( info that the real XXXXXXXX XXXX  XXXX would never ask for ) they will not talk to you. 

I have been receiving multiple threatening letters from them since XX/XX/2022. The letters claim that I owe {$250.00} for an XXXX XXXX XXXX XXXX number XXXX. I have also confirmed at an XXXX XXXX XXXX store that this is a SCAM and they do not call their company XXXX XXXX XXXX XXXX and that is not a real number. 

I have put an identity fraud block on my credit report. I am not sure what else I can do other than report this company here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I travel a great deal and am frequently locked out of my account because JP Morgan 's online service ( via Chase ) does not " recognize '' my computer. By this, it appears it means that if I sign in through different IP addresses, it will not let me into my accounts. This is a really problem. I do not have an email address or cell phone number that I want it to have or use, in part because it abuses each with unwanted ads and selling this information for profit to other marketers. Neither of these is particularly secure either, especially if written text is generated.
Yet when I call in a toll free number that comes up on the screen after I am locked out of my online accounts, I get automated machines, long wait periods and inaccurate information in so-called security questions that I am suppose to confirm if I want to get back into my accounts online. This process alone, of being forced to confirm inaccurate information that it is clear the automatons at the other end of the phone line have, distorts credit reporting, banking security, and access to my accounts, while degrading my credit score, and increasing the chances of identity theft.
The antiquated technology of online banking inconveniences anyone who travels frequently, increases the chance of identity theft ( by promulgating inaccurate information that I have to claim is true if I want into my accounts ) and wastes enormous amounts of my time, while routinely denying me access to my own money and accounts at JP Morgan. There is no one to call to take care of such idiotic and systemic failures other than mindless machines and customer service people who themselves are programmed to enforce inaccurate information as a condition of correcting the abuse of the company that routinely denies me ready access to my money and accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: GOLDMAN SACHS BANK USA
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
With my understanding and research about foreclosures, they are ILLEGAL. This is heir 's property that was passed down to me and my wife i have evidence and of course the courts don't wants this information out. Plus they sold our plus they sold our mortgage without notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Colony Brands, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a credit card statement from XXXX XXXX. 
I called to let them know I didn't open this account. The rep on the phone provided me the address to write a fraud statement to. However she did advise that it was a new account opened on XXXX with my billing address in California with goods shipped to XXXX MD. 
my concern is how or what fraud triggers this company has that a brand new account has a shipping address that does not match the billing address green lights such a thing. maybe if it was an established account sure but this seems like bad controls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: AMERICAN EXPRESS COMPANY
State: FL
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 was charged for unauthorized items at a restaurant called XXXX. I was only supposed to be charge for a pineapple soda for {$4.00}. However the waiter accidentally charge me for 2 additional items that were supposed to be put on another bill. It was a large party and he mixed up the charges. I did not signed the receipt and handed it back to the server and there was an argument with the merchant. They told me if I had an issue with it to dispute it with my credit card company. Therefore I disputed with Amex and wrote a letter explaining the situation. However Amex sided with the merchant without any proof but the incorrect unsigned receipt. This is ridiculous and Amex is not doing their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: WA
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 XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment EQUIFAX XXXX XXXX XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX this morning a lady called me from XXXX XXXX XXXX XXXX XXXX trying to extort my personal information for her use. I asked her who she was and from what company. She replied her company was called One Advantage LLC and that was trying to collect a debt.
I have no contract with One Advantage LLC., and will like the records to show.
When I did n't contract with her she being yelling and threatening to use my name and social security number because she already have it on file.
I will be contacting the local police department because this company clearly is using my personal information to gain monetary without my knowledge.
please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation