BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-29
Company: JPMORGAN CHASE & CO.
State: CA
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:
My father, an XXXX-year old senior citizen was the victim of an unscrupulous contractor. He purchased items for a home improvement project and hired this contractor to complete the work. However, instead of delivering the items to my father 's residence for the project he loaded them up in his truck and drove away. I tried to locate the contractor to no avail. I filed a police report with the XXXX XXXX, California Police Department, ( XXXX, ext XXXX, Police Report Number XXXX and notified my credit card company of the theft. My credit card company gave me the run around for a few days and finally referred my claim to their insurance carrier, under their 'theft ' protection. I provided them with the police report and receipt for the stolen items. The insurance carrier acknowledged receipt of the items, but then sent an email requesting the SAME ITEMS. I complied with their second request, and again, they acknowledged receipt of the items, but requested the SAME ITEMS AGAIN. I complied with this request as well as a following request, for a total of four ( 4 ) times. I provided the same documents to the carrier on four ( 4 ) separate occasions. But the carrier has not make a decision on my claim and keeps sending out the same request for the police report and receipt of the items stolen, when in fact they already have this information in their possession. I believe they are acting in bad faith and have no intention of paying this legitimate claim and have been stringing me along for the past three months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: AMERIS BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/20 I spoke with XXXX at Ameris Bank Call Center and explained I had mobile deposited the check into my XXXX  account on XX/XX/20 and XXXX did a account adjustment and debited {$500.00} from my account on XX/XX/20 because the check was also cashed at XXXX. I provided her the check number to see if she could provide more info. She advised she will email the department that handles that and reach out to be in a few days. 
XX/XX/20 I called XXXX back and she advised me the check was mobile deposited into a XXXX account on XXXX and no investigation would be open. I was advised to call XXXX XXXX by another Ameris team member to advise them of the situation. I did and spoke to XXXX and she reached out to her accounting team. 
XX/XX/20 I called XXXX XXXX  and was advised they show the check was cashed on XX/XX/20. I called XXXX at Ameris and advised what XXXX XXXX  told me. She stated she will send another email and note what XXXX XXXX  advised and to reach out in a few days. 
XX/XX/20 I called XXXX and she advised they will not be opening a investigation. She advised I call the Ameris Branch at XXXX in XXXX, GA. 
XX/XX/20 I called the branch and spoke with XXXX who advised me to call XXXX XXXX  back to get them to open up the investigation with XXXX since it was their check and account that was debited twice and they need to recoup from XXXX and issue me a new check. I called XXXX XXXX  and XXXX reached out to their accounting team again and she would follow up with me. She called me back and advised her accounting department stated that Ameris should open up the investigation since they cashed the check twice. That error falls on them and this should be handled by Ameris and XXXX to get the funds back to me since I did not deposit the check twice. I called Ameris back and spoke with XXXX again and explained what XXXX XXXX  advised. He stated there was nothing the bank could do and no investigation will be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ftc violations XXXX  XXXX  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 2022-03-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute, it came back verified by XXXX XXXX. I contacted lexis nexis and they have no information regarding the information that the credit bureaus said it was verified. Its also been longer than 30 days and I have yet to receive and response or updated credit report showing its been DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Williams & Fudge, Inc
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX calling on behalf of Williams & Fudge , Inc. is calling my employer twice daily. He is belligerent and harassing the office manager. This has been going on for about a week now with no sign of stopping.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was in a car accident in XXXX and my car was totaled. the insurance company, XXXX, issued full payoff in XXXX. XXXX XXXX XXXX XXXX reported XXXX more on time payments and then late payments and charge off / collections for more than XXXX years after. i disputed the account in transunion and they will not accept the letter from the insurance company that acknowledges the payoff. i can not get anyone to fix this mistake. the account was not a charge off and how can there be XXXX on time payments after the final payment date.\?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed accounts, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contacted the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$210.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. Thank you. 

XXXX  XXXX Date opened XX/XX/XXXX XXXX {$3900.00} There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hi, I have been regularly being charged {$2.00} interest on my Macys credit card from past 6 month. I paid all balance in XX/XX/XXXX to bring it to XXXX balance. They went ahead and charged another {$2.00} in XX/XX/XXXX. I called the customer service and reported why they charging me {$2.00} after I paid my balances on XX/XX/XXXX. They agreed to revert the {$2.00} charged on XX/XX/XXXX and they promised it will reflect on my account in 72 hours. I didn't see any account activity after 72 hours and I called them again to follow-up. They said that they will take care of this issue and I don't have to call back. I still see the {$2.00} on my XX/XX/XXXX statement and I called them today ( XX/XX/2019 ) to report the issue. They repeated same statement that they will revert the interest charge and asked me to check in 72 hours. I don't trust them anymore and Its been frustrating experience with macys.com/credit department. I faced the same issue last year with macys and after multiple follow-up calls they reverted the interest that I don't owe. Last year my credit score went low because of macys. I am looking for expert advice and some help here.

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 2020-12-29
Company: Experian Information Solutions Inc.
State: TX
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:
My name is XXXX XXXX and I have filed multiple disputes with Experian and they have violated the FCRA and my consumer rights by reporting frauduent information on my consumer credit report. I have attached the letters I have sent to them and their failure to respond to them..They have caused me damage as I have had multiple hardships during this cover pandemic and have not been able to seek financing due to someone stealing my Identity. They have not once tried to help me fix these issues they can not verify or sent me any proof that these false accounts are verfiable ..

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 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have found several address and numbers that do not belong to me on my credit file. I am looking to start my own company soon and I need my personal information to reflect the correct and accurate data. Please remove the following addresses : XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX please delete the following cellphone numbers they are not mine : ( 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 ) XXXX ( XXXX ) 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 2022-03-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contacted the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance {$210.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
48 hours ago XX/XX/2020 my login with bank of america was locked and my card was frozed. After nearly a 3 hour hold time they disconnected. I called again and again I was advised that my account was closed due to a fraud alert. When there was no fraud to be had. Their customer services proceeded to apathetically put me on hold without a resolution. As of XX/XX/2020 I still have no access to my account and my card doesn not work. This was unacceptable and I believe it is definitely a breach of consumer faith during these trying times I have kids to feed like millions of others. I still don't have access to my funds. My complaint goes on deaf ears. I am nowhere close to a resolution to have my account reopened. Furthermore I can confirm this is in no fault of California EDD. This is on Bank of America.

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 2022-03-19
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account has been charged off and is over 7 years old and keeps reporting to credit bureaus. I didn't receive a 1099C are being charged off and didn't receive pre and Post car resale. Loan was sold to other party but continues to show original creditor on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a letter from Synchrony Bank regarding my XXXX account, they advised that my credit limit was being lowered from {$1300.00} to {$320.00}. I emailed the companys president, XXXX XXXX, to advise of my unblemished payment history with the synchrony account and to see if my credit limit could be restored. 

My personal research revealed that the company will lower your credit limit if your credit score drops, to mitigate risk. I am currently in debt consolidation, and it was imperative that I have the positive reporting items on my credit profile. When Synchrony dropped the credit limit on the sweetwater account, the credit usage went from 20 % to 100 % usage, therefore exacerbating my credit issue. On XX/XX/2022, I received a response from XXXX XXXX, a representative of the company. She advised that they would take a look into whats going on. Approximately two weeks later, I received notification that the synchrony sweetwater account was now closed. In XX/XX/2022, the company reported to the credit bureaus that the card was actually over the credit limit. It was reported that the limit was {$300.00} even though the mailed correspondence said the new limit was {$320.00}.

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 2016-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
My name XXXX . XXXX XXXX. I had a tax lien on my credit. The attached documents show that the debt is settled and I have a XXXX balance. 
I contacted the XXXX major Credit bureaus, XXXX, XXXX, TransUnion with the attached documents but they validated the accounts as being unpaid. 
I also contacted the California Franchise tax board the asking them to contact the bureaus letting know my account was current. I was told that, that is NOT a procedure they do. They also informed me because privacy act laws they do not correspond with any third parties. My question is how could the XXXX bureaus legally, and thoroughly validate the account, if they have not spoken to anyone?

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 2022-10-10
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I opened a venmo account on XX/XX/2022 I tried to connect my debit card and bank account to transfer my cash from a family member and the accounts wouldnt link. I called contacted venmo several times to try and fix this issue so I could access my money and they froze my account. They wont let me speak to anyone and are not willing to help me unlock this account for 7-10 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-23
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I submitted a dispute to Equifax in XXXX 2015 stating that my payment history for XXXX account number XXXX that was incorrect and supplied a copy of a letter from the credit granter XXXX sent to the Ohio Attorney General stating that the account was never reported as late. This letter was in response to a complaint to XXXX over my payment history that was being reported incorrectly. They state that they never have reported my account as 30 days past due. after receiving my results from Equifax I called XXXX and they told me that they did NOT verify to Equifax anything. The lady then checked and said that they are reporting that I have never been late and that they can not control what and CRA puts in the report. I demand that Equifax correct the my credit report to reflect that I have never had a late payment like XXXX states in the letter, remove the account all together, or provide proof that they contacted XXXX and received a valid payment history. I demand that they provide who they contacted name and phone number so I can verify with the person that they verified it with since XXXX says they did not verify with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to XXXXXXXX XXXX XXXX  to inquire about getting a car. I was told XXXX XXXX XXXX would pull my credit report ; instead, XXXX different companies pulled my credit report. Which I didn't authorize or agree to. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i have recently sent multiple letters on these dates XX/XX/XXXX and XX/XX/XXXX i also called and spoke to each beureaus representives and they all advised me to submit a complaint through the cfpb to have these un-authourized and unverifiable inquirys removed this is a violation of the fdcra since they have 30 days to respond and start a full investigation these inquirys are listed on my credit report by all three of these company 's XXXX  XXXX and transunion ( XXXX ) 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

( XXXX  ) 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
( TRANSUNION ) 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.

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