BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: AL
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 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 an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  Account Number:XXXX**** Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this 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 2015-05-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. I am XXXX and my mother used my social security number to get home loans, new cars, credit cards, business loans and WHATEVER she could get. She stole my identity to pay her bills and HAVE nice cars CLOTHING home ECT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: JPMORGAN CHASE & CO.
State: CA
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:
Chase has recently started charging cash advance fees for peer-to-peer transactions made with its credit cards, despite placing a statement in the XXXX XXXX XXXX and other media saying they do not do this. 

On XX/XX/2020 I made a XXXX transfer to my friend using a Chase credit card. I was concerned about being charged Cash Advance Fees, so I tried to look up Chase 's policy on the issue. In the past, Chase had not charged me cash advance fees for XXXX peer-to-peer payments but I wanted to be doubly sure. The transaction was for {$260.00} and Chase charged me cash advance fees of {$13.00} and interest of {$2.00}. 

I found this XXXX XXXX XXXXXXXX XXXX from XX/XX/2020 XXXX see attached PDF ) titled " Beware the Fees That Come With Some Money Transfers on Apps '' with the statement : " Chase is not charging its credit card holders the cash advance fee for peer-to-peer payments, a spokesman said. ". I was reassured by this very clear statement in the paper of record and proceeded with my transaction. 

Chase then charged me a 5 % cash advance fee as well as interest on the payment starting immediately. When I contacted them about their company 's explicit position, they said the XXXX was inaccurate and the statement was not official company policy. They refused to refund the fee, even as a one-time exception. They refunded the {$2.00} in interest, but not the much larger cash advance fee. 

In short, Chase made a statement for the good publicity in the XXXX XXXX XXXXXXXX, but failed to honor their word and was charging their customers unadvertised fees anyways. When called out on it, they have instead doubled-down and are accusing the XXXX  of publishing a statement without their approval, even though the statement comes directly from a Chase spokesperson.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America has humiliated me for months stole my money and refuses to rectify the situation. For months I've been fighting them over the fraudulent charges made by XXXX. XXXX themselves sent me an email telling me my account was hacked and that I need to dispute all charges with my bank. I submitted two disputes but bank of America says that they made by error and they'd not reverse the charges. No papers, no documents, they even didn't contact XXXX because more of their fraud Dept associate says the reason why they will never refund the fraudulent charges is that the amount is big, and that they indeed never contacted XXXX about it as a cost saving measure. Again, they never explain why they reached the conclusion, nor did they provide me anything in writing. It was all done in a short message via the mobile app stating that the claim will go unpaid and that it's not their fault. This is my second and last attempt to collect my money or I'll go to court and retreat a trial by jury because the thieves at bank of America couldn't care less and they're not even try to hide their indifference. Absolutely disgusting swine!

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 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XX/XX/20 today I send the report because I found many accounts not mine this is fraud accounts.

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 2020-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In addition to an existing complaint # XXXX. I have previously filed a complaint trying to figure out where a {$9000.00} check went. A Bank of America 0 % interest check was mailed out to XXXX XXXX  on XX/XX/XXXX in the amount of {$9000.00}. to pay down a home equity loan. XXXX XXXX said they never received it and Bank of America said they did because it was cashed. They forwarded me a copy of the check front and back. It was endorsed by XXXX XXXX which is not how I spell my name and it was made out to XXXX XXXX so XXXX XXXX should not have been able to cash it. Bank of America had an open fraud case on this from XXXX to XXXX and after all that time they sent me a letter saying I am responsible for paying this {$9000.00} that is sitting in someone else 's account. Initially I assumed someone inside XXXX XXXX  was behind this because another check that was sent directly from XXXX XXXX for {$13000.00} was also being investigated because it wasn't posting to the equity account. I was later recovered and I'm assuming they figured it out. However XXXX XXXX informed me that check appeared to be that of a mobile deposit. Which I never knew. Bank of America was working on this for 7 months and never told me that. I don't understand how a check for such a large amount was able to be deposited without a license or proof of identity. That is so wrong. .I don't know understand how I'm responsible for this fraud. Please help me to figure this out as I do not have that king of money to pay for the banks error on letting this go through.

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 2019-02-19
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 fraud alerts or security freezes

Complaint:
I have monitoring services with all three credit bureaus which allow me to unlock and lock my credit report, since I am a continuous victim of identity theft. On XX/XX/XXXX, someone unlocked my credit report without my consent and then called and changed addresses, phone numbers, added accounts, credit cards opened, rented a place with my social security number. When I called to see how my credit report was unlocked when I had locked it back in XXXX, they kept transferring me to one department to another and manager to manager. Nobody could answer my question. I was left having to clean up the mess when I am paying them a monthly fee so that I and I alone can unlock and lock my report. I asked them if there was an additional step I could take so that someone impersonating me could not call and unlock my report and they told me that no

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 2018-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I opened a account with XXXX XXXX and they put a security hold on the account for months blocking me from changing the address and even speaking with someone on the phone in regards to servicing the accounts like updating the address and or getting account information. Every time I would call I was told I needed to speak to security and they would give me a list of things to send in. I even went into a branch in XXXX Ga ans after giving them the information they wanted they also told me they would update the address only to find out it never happen. I than later called got login on line to find the credit card was past due 30 days. I never activated the card it was not a annual fee it was a card shipping fee. It was taking off by XXXX XXXX  as they have agreed yet my credit is destroyed! They tell me there is nothing they can do. this is insane I never use the card and was told the account was closed until I cleared things up with security. Please step in so I may fix 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 2020-06-20
Company: ALLY FINANCIAL INC.
State: AR
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 TIED TO BUY CAR AT XXXX, THEY GOT APPROVAL FROM XXXX XXXX AUTO FINANCE WHICH ENDED A A LIE. THEY ALSO, PULLED MANY OTHERS I DID NT AGREED TO. SOLF PULLS ONLY

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 2022-07-25
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My BJ 's XXXX XXXX Comenity Bank ) was first declined on XX/XX/XXXX, in spite of me paying the card in full every month. Other than some generic messages about a system upgrade taking longer than expected, I have been unsuccessful in contacting them in the month since. I have tried both through their phone center and through social media to no avail. For the first three weeks, the phone center just said the office was closed and then hung up on me. Frustrated at this point as I've had to rearrange all my automatic payments that used this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Experian Information Solutions Inc.
State: CA
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:
XX/XX/20 today I send the report because I found many accounts not mine this is fraud accounts.

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 2015-06-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Their is a credit reporting ( XXXX XXXX XXXX ) on my credit report that is past the 7 year law. This credit reporting by law should be removed. I am requesting that this credit item be removed from credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
as of XXXX XXXX 2018, i recieved a later notifying me that my personal information was being use for various of things i have no acknowlegde of, also purchased gift cards well as credit in my name

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 2021-04-21
Company: CITIBANK, N.A.
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: Overcharged for something you did purchase with the card

Complaint:
My son purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$890.00} plus {$5.00} of Application for a total of {$900.00} in the month of XXXX. I made a payment in XX/XX/XXXX made payment of {$110.00} and in XX/XX/XXXX made payment of {$110.00} and I disputed because I didnt know about the equipment. So the Credit company gave me a credit. I started paying in XX/XX/XXXX made payment of {$110.00}. In XXXX I made a payment on XX/XX/XXXX of XXXX in XX/XX/XXXX made payment of XXXX and in XX/XX/XXXX made payment of XXXX. In XX/XX/XXXX made payment of {$110.00}. XX/XX/XXXX made payment of {$110.00} XX/XX/XXXX made payment of {$110.00} and in XX/XX/XXXX made payment of {$110.00}. Start to count payments from XXXX to XXXX. There is a total of 8 payments. In XXXX XXXX requested an extra payment for {$110.00} and then I disputed that charge I requested all the Shop your way credit card statements to prove to XXXX  that I had made all payments. Once received statements of Sears credit card send them to XXXX  and they apologize for the mistake and sent me the invoice of equipment paid in Full. I have explained that to Sears Credit card management I sent via Fax two times the invoice paid in full first on XX/XX/2021 and the second time XX/XX/2021 and from that last {$110.00} payment request by mistake by XXXX  the Sears company bill has gone up on interest fee and late fees plus the {$110.00} that Sears credit card keeps requesting payment. I would like your assistance in this matter please. Thank you for your attention.

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 2019-12-30
Company: JPMORGAN CHASE & CO.
State: NJ
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 never applied for a car loan and I have a bunch of inquiries on my report that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, 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 am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Paypal Holdings, Inc
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received a credit monitoring alert letting me know someone had opened a PayPal Credit account using my information ( name, SSN, and birth date ). When I called PayPal Credit, they would not release any information about the account because the phone number, physical address, and email address did not match, but they did close the account and open a fraud investigation. Nonetheless, I want to know why this credit line was approved when the phone number and address to did not match what is on my credit file. I think PayPal Credit 's risk policies/account origination procedures need to be re-evaluated. This seems like an egregious error to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: NV
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:
Bankruptcy on credit report and is on my public records

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 2017-05-22
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On  XXXX   XXXX     2017 PayPal d ecided to please limitations on my account and place a holding on {$1600.00} on my money for a period of 180 days. With out giving me a reason why after numerous emails and phone calls all I was told is it 's there policy and in the user agreement. When I asked to review what has caused them to do this I was told I would need a court order or subpoena to do this. After days of research I have found that this is common practice for them. They have had  XXXX  class action lawsuit they have settled over this and still continue to do it. After filing a complaint with the Better Business Bureau,  PayPal response was they cleam fraudulent activity and for fear of  charge backs on my account, I have had zero complaints against my account. After reviewing there user agreement, it  States that any buyer protection is only good for 45 days, so why are they holding my funds for 180 days? When  I asked if I would be received an interest for six months I want to hold my money The customer 's service agent I was speaking to on the phone just laughed and said no. They are collecting interest on my money for their profit and they stayed this in the user agreement. This is completely 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 explanation
Consumer complaint received 2016-05-23
Company: Flagstar Bank, N.A.
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I purchased variable annuity from a agent from Flagstar Bank. This agent left for some reason or other and he was told not to contact any of is clients. Flagstar also did not contact me. It was not until i called Flagstar and than they assigned agent. During this period of time I loss money because no agent was watching my annuity. The name of the Agent still appear on the Quarterly statements even after he left.

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 2022-02-21
Company: EQUIFAX, INC.
State: MI
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:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for the following items. The information is not accurate and is different from other bureaus. Please see the items stated below XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$9100.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation