BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-04
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XXXX, 2023, I received a bill from Chase for my Marriott XXXX credit card. That bill had a statement balance of {$22000.00} with a due date of XX/XX/2023. I paid the balance, in full, on XX/XX/2023. I just received my XXXX statement and am being charged interest of {$310.00}, even though I paid my prior month balance IN FULL by the due date. I called and spoke with a customer service representative and a supervisor and they will not remove this charge. 

It has always been my understanding with any credit card that if you pay the balance in full, by the due date, that you should not be charged interest on your next monthly statement. I do not understand why Chase is not only charging me interest, but charging me a LOT of interest, when I paid my prior month balance in full, by the due date!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: OPTUM BANK, INC.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a Health Savings Account ( HSA ) with Optum XXXX On XX/XX/2022 I received a reimbursement check from my medical insurance company that I had used my HSA to pay for. Understanding that money taken out of my HSA must only be used for medical expenses I called Optum XXXX  to ask how I could deposit the refund into my account. The first woman I spoke with advised me that I should just deposit the money into my personal account and keep it. I advised her this would be fraud, and only then did she give me a XXXX XXXX XXXX mail a personal check to. On that same day ( XX/XX/2022 ) I mailed a personal check for the total amount of {$320.00} to Optum XXXX XXXX claim department : ( Attn : Claims Department, XXXX XXXX XXXX XXXX, FL XXXX ). The check was not cashed until XX/XX/2022. After the check was cashed I continued to wait for the funds to show up in my HSA. It wasn't until XX/XX/2022 that {$200.00} showed up in my account. I have called Optum XXXX at least 6 times regarding this matter. I have attempted to use their " callback '' option on at least two other occasions and never received a return call. I would like to know where the {$120.00} is. No one can locate that money and Optum XXXX does not seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian fails to remove the XXXX XXXX account. Experian reports incorrectly that this account Terms are Revolving. Experian reports incorrectly that this account balance is {$18000.00}. Experian reports incorrectly that this account is past due {$18000.00}. Experian reports incorrectly this account Credit Limit is currently {$15000.00}. Experian reports incorrectly that this account is over it 's Credit Limit. Experian reports incorrectly this account 's date of first delinquency .Experian reports incorrectly that I must bring this account current even though I received a XXXX Cancellation of Debt from XXXX . Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 2017-05-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed the tax lien on my file 3 times asking for verification and validation. the  1st  dispute Equifax told me to contact the courthouse for verification. I contacted the court house and they sent me a latter stating that they do n't report to the credit bureau, after sending the letter back to Equifax and   XXXX   showing the court house response and redisputing the lien their next response was for me to contact the IRS, which responded the information is inaccurate and they do n't report to the credit bureau as well. I redisputed it again which now Equifax is saying they recieved the information from  XXXX   XXXX . I explained to them that I feel as though i 'm getting the run around and how they are reporting unverifiable information and has not sent me any type of verification which i have been asking for since the first dispute.  XXXX   XXXX  never responded to my last dispute at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I cancelled my services in XXXX of 2015 for I believe credit monitoring services and Experian is still charging my accounts for " member services ''. I have asked them multiple times to cancel the accounts cease billing to my account. When I give either of them my credit card info they say they have " no active account on file associated with the credit card number or my social security number. '' They insist I give them the credit card number " associated with the account ''. I I have contacted my bank to resolve and they do n't have the old card information and I can only dispute transactions from the last 60 days. I have since the account was opened with there credit bureaus have definitely lost a couple cards and XXXX was involved in the XXXX breach, I no longer have these card numbers or know which one was used for the account. 
This lasts at time I called Experian who refused to help me with transactions saying they have no active account on file so there should n't be charges from them. I repeatedly offered her to email or fax the evidence of the charges from my bank statement and they refused them. They said would n't be able to help me without the old credit card account number. They refuse to take a dispute. I told them someone has take responsibility for the charges, by bank does n't have the old card information that was closed and they have overdrawn my account several times. Experian reps say they ca n't help and refused to take any information and redirected me to my bank ... which I called again and they still do n't have the card info. I have gone round and round between that bank and these XXXX agencies. I cancelled my accounts in XXXX and I am still being charged. No will help me and I am loosing money because of these charges. Someone please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: SC
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 XXXX # 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 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
My mortgage company is not reporting my mortgage to the credit reporting agencies for the last 2 years

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 2022-08-31
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 is missing that should be on the report

Complaint:
My mortgage company is not reporting my mortgage to the credit reporting agencies for the last 2 years

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 2022-03-29
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: SC
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 XXXX  # 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 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2017-05-25
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Approximately 7 days ago, I deposited a check for {$10000.00}. After the deposit was approved on  XXXX   XXXX   2017, I w as advised the funds would be placed on a 5 day hold. Shortly after on  XX/XX/2017   , Loss Prevention placed a block on my account restricting my access to online banking and left me a message.     I was told the account was placed on hold due to further verification that was required in order to verify the check with the drawing bank,  XXXX , and the LP Representative,  XXXX   XXXX  advised she would get back to me after speaking to  XXXX .     On  XX/XX/2017   ,  XXXX   XXXX  stated the check was verified, the funds were cleared and available and that she would be closing all of my accounts and would issue me a check on the closing balance, only AFTER withdrawing/transferring {$2900.00}  to Ally Ban k for funds owed on a Jointed Money Market Account ending in  XXXX  that was closed and charged off prior to this matter.     For the record, I have been a loyal customer and disagree with the decision made to close my accounts. Also as  of  XX/XX/XXXX  ( today  ) in which my funds from my last deposit were to be made available for use, for the record I am stating, I did not authorize, and am not authorizing  Ally Ban k to transfer or withdraw funds from my interest checking account ending in  XXXX  to cover the debt owed on the Joint Money Market Account ending in  XXXX  which has already been charged off and closed. I am not solely responsible for this debt, nor did I cause this negative balance to occur. I have no involvement in any of the account activity leading up to the negative balance, and do not authorize  Ally Ba nk to use funds from my checking account to pay this debt

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 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX is reporting a debt on my credit file that I do know owe. This debt has been paid a long time ago, and I'm not sure why it's even in collection status. this is erroneous! This needs to be deleted.

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 2016-07-25
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have complained against them previously under claim # XXXX. When it showed up under my XXXX report, and now it is on my XXXX report. They have been told any credit dept was filed under XXXX of XXXX bankruptcies doc # 's were given. They say this is a new account from 2012, the name they say it was opened under is my married name. I was n't married in 2012 I was n't even with my husband in 2012. Company has never contacted me in fashion. I only found out about this account since I check my credit reports every year. I put a fraud alert on my credit accounts after the 1st episode which is how I found out about the 2nd incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
i have a credit of XXXX dollars with american express credit card # XXXX but american express refuses to return this money to me. 
i urgently ask you to interfere on my behalf so that i can get back the money that belongs to me. 
thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 found out my identity had been compromised because my wallet was stolen from the store. I didn't take the proper measures afterward. I just got a duplicate drivers license and copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been opened. There are way too many fraudulent accounts open that I am not nearly familiar with and a outrageous amount of inquiries that not all I was able to list on here. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$240.00} XXXX XXXX   XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$68.00} XXXX XXXX   XXXX {$460.00} XXXX XXXX XXXXXXXX XXXX {$450.00}

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 2018-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have called XXXX consumer relations to notify them of an account with XXXX XXXX XXXX that is on my credit report by error. I have disputed the account with XXXX but everytime I speak to someone on the phone, it sounds like someone out of the country and not someone who can handle my concern. I have tried to explain to the XXXX representatives on more than one occasion that they need to obtain the agreements from XXXX XXXX XXXX regarding this account so that they can find the discrepancies and know why it is on my credit report when it should n't be. I tried calling XXXX XXXX XXXX myself but I have not been able to have them help me because this account has information that does not match mine. XXXX continues to report this account on 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
Consumer complaint received 2020-03-23
Company: Experian Information Solutions Inc.
State: AR
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 found out my identity had been compromised because my wallet was stolen from the store. I didn't take the proper measures afterward. I just got a duplicate drivers license and copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been opened. There are way too many fraudulent accounts open that I am not nearly familiar with and a outrageous amount of inquiries that not all I was able to list on here. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$240.00} XXXX XXXX   XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$68.00} XXXX XXXX   XXXX {$460.00} XXXX XXXX XXXXXXXX XXXX {$450.00}

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 non-monetary relief
Consumer complaint received 2022-08-31
Company: NAVY FEDERAL CREDIT UNION
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 information incorrect

Complaint:
In Accordance with the Fair Credit Reporting Act XXXX XXXX credit card Has violated my rights by putting late payment status on my credit report 15 U.S.C 1682 section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A Creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I used my American express card on XX/XX/XXXX took out XXXX there where XXXX more transactions back to back for the exact same amount within seconds of each other I would n't have even had time to put my info in again to with draw the money then the same thing happened on XX/XX/XXXX I took another XXXX and there are XXXX more transactions taken out just like the other one so some how it was doubled on my transactions and the fee at the atm was charged every time just like I put my card back through the other times which I did n't American express took less than a week and denied my claim knowing when I called and reported it the guy on the other end that took the report even said there was no way I could have done the transactions they where to close together there was also a charge to XXXX XXXX cable company for XXXX I do n't even have a XXXX XXXX account I did n't authorize it like I said I do n't even have a account with them when I contacted XXXX XXXX they told me since I do n't have a account that I have to dispute it through my credit card company and when I turned it in on the credit card company they are saying I have to turn it in to XXXX XXXX neither one are doing anything to help me what so ever the money that was taken out of my account is my tax money I am a single mom with XXXX kids I do n't have the extra money I am so upset at how easy it was for someone to take money from my account and neither business to do anything to help both companies where rude and completely unhelpful, my credit card company would n't even contact XXXX XXXX to see what account my money was used on and when I tried to contact XXXX XXXX to get that information myself they told me they were n't able to hand that information out that I need to file it through my credit card company so both are just giving me the run around and doing nothing to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I connected an external banking account to pay my bills. I have moved and added a new bank, but Barclays will not remove the original account after I have requested it for 4 weeks. They get an error in their system and ask me to call back, but after 4 weeks and hours of my time, they have not. 

Keeping my external banking, when I have requested it be deleted is a violation of privacy and it is wrong. Spending

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