BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, XXXXXXXX XXXX, my debit card was stolen from my purse by a pickpocket or pair of individuals working to distract me. As I finished paying for groceries at the self-checkout at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX a woman tapped me on the shoulder and indicated that I'd dropped a {$10.00} bill. ( I hadn't. ) She didn't speak English, but kept touching my purse and me. I told her that the bill wasn't mine, but she insisted so I finally thanked her and accepted the bill. I walked out to my car. As I opened the trunk I felt a tap on my shoulder. It was the same lady. This time she indicated, by touching my purse and pointing, that she felt that the {$10.00} bill had actually been hers. I agreed and gave it back to her. She thanked me and left. The next morning, XX/XX/XXXX, I discovered that my debit card was gone from my purse and that withdrawals of {$1000.00}, {$1000.00}, and {$2000.00} had been withdrawn from my bank account using the Chase ATM, as well as a charge for {$700.00} at a nearby XXXX XXXX. 
I immediately called Chase 's fraud department to report the stolen debit card and to report the {$4700.00} theft. They responded by issuing me a credit of {$4700.00}. The same day, I reported the theft to XXXX Police Dept. On XX/XX/XXXX, I recieved an email from Chase bank notifying me that, after conducting their own investigation, they felt that I had authorized the {$4000.00} withdrawals and that they were going to take back the {$4000.00} on XX/XX/XXXX, which they did. They say whoever withdrew the money from the ATM had 2 forms of my identity, and that the burden of proof is on me to show that it was not I who withdrew the money ( Chase bank must have security camera footage that shows who withdrew the money. XXXX XXXX XXXX most likely has the woman on camera as well since she had obviously been standing right behind me in order to see me key in my debit card PIN. )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-15
Company: CarMax, Inc.
State: VA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I Trade in car with clear title that was send to me from that company.I told them i know longer have the car and for them to get in touch with the company I sign the title over to. for them to collect the balance they say i owe. They won '' t stop calling my cell phone and leaving messages. I no longer have that car it been gone since XXXX of last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Dear Sir or Madam, My name is XXXX XXXX ; I need assistance from your office at this time to resolve an complaint with TD Bank. On XX/XX/2023 I discovered my secured credit card account have unauthorized overdraft charges from XXXX XXXX XXXX over XXXX. The secured credit card limit was only {$500.00} dollars. I filed a dispute and requested the charges to be denied and removed from my credit card account. 
My requests were denied. 
Nevertheless, my account should have never been charged in an amount almost 4 times over the credit limit. I should have been contacted by their fraud department for suspicious activity. They refused to take accountability for their error. 
At this time, I'm requesting my {$500.00} deposit to be returned immediately. 
I am no longer doing business with TD Bank. My verified charges was paid in full and account closed. 
Thank you in advance for your assistance in this matter. I will govern myself accordingly. 
Sincerely, XXXX XXXX - This message was sent from a mobile device. Please excuse errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-21
Company: CAB Receivables, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
CAB Collection Agency claims to have medical accounts in their files in my name. They also claim that they have sent me a total of XXXX statements to my current address and that the correspondence was received by me due to the fact that it was not returned to them labeled undeliverable. If CAB Collection Agency has previously sent me correspondence, I request that they re-send it to the same address that they sent the XXXX statements to. 
Furthermore, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me, but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization. 
I request that CAB Collection Agency, Inc : * Please provide breakdown of fees including any collection costs and medical charges. 
* Provide a copy of my signature with the provider of service to release my medical information to you. 
* Cease any credit bureau reporting until the debt has been validated by me. 
I request that CAB Collection Agency forwards this information to the address that they previously sent correspondence to that was addressed to me as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because they will be deceiving me after this written request. I request full documentation of what CAB Collection Agency received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await their reply with above requested proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I accidentally made a partial payment of {$410.00} on XX/XX/2017 that was supposed to be applied for XX/XX/2017 mortgage. My typical mortgage amount is $ XXXX/month so I still owed {$380.00} for XXXX. When I was notified that I made this error, I immediately made the payment of {$380.00} on XX/XX/2017 to satisfy the remainder of XXXX 's mortgage. However, the mortgage company applied the {$380.00} to XXXX. I made a payment of {$810.00} on XX/XX/2017 for XXXX 's mortgage and the lender applied this amount to XXXX. Therefore, they have the {$380.00} on " hold '' and are showing we still owe a full balance of {$800.00} for XXXX. I initially called on XXXX/XXXX/17 ( spoke to XXXX ) and they assured me that the {$380.00} would be re-allocated to satisfy XXXX 's payment and that the {$810.00} would be reallocated for XXXX 's payment so that I 'd be all paid up until XX/XX/2017. The re-allocation was to be complete by XX/XX/2017. On XX/XX/2017 I called again ( spoke to XXXX ) and was assured they were still working on the re-allocation and that it would be complete and my account would show no payment due until XX/XX/2017 for {$800.00} and that this process would be finished by XX/XX/2017. On XX/XX/2017, the account still showed we owed money so I called the lender again ( spoke to XXXX ) and was told that the re-allocation was completed, but that the system had n't updated and that a supervisor would update the system to show our account was caught up and that this would be completed by XX/XX/2017. This morning ( XX/XX/2017 ), the account still was n't updated so I called and was told by XXXX that the reallocation had NOT completed and that they were just " running behind. '' I explained this is not what I was told two days ago and asked for a supervisor. She said no supervisor was available and that they 'd call me back within up to 48 hours. I am getting the run around, it 's mid-month already, I 'm worried about late fees/hits to my credit and I do n't want my account to show as delinquent when it 's NOT delinquent, the lender allocated the funds incorrectly and they need to correct this immediately.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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:
XXXX app alerts have been popping up with XXXX XXXX XXXX XXXX. Saying my information is on the XXXX XXXX and to change my passwords on my accounts. 
I don't recognize these inquiries so please have them deleted from my reports. 

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 non-monetary relief
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2018-11-06
Company: Diversified Consultants, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection company in question, DIVERSIFIED CONSULTANT, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX - is collecting a debt on behalf of the original creditor, XXXX XXXX, in the amount of {$830.00}. The open date listed on my XXXX  credit report is XX/XX/XXXX which is incorrect. I was living and working abroad in XXXX XXXX during this time and the XXXX network is not even available in this country. I have a job offer letter to that proves this timeframe. However it is listed as a recent collection on my credit report which has caused me to be denied a startup business loan from XXXX, a lender out of XXXX XXXX XXXX, UT, which reported they checked my credit report and it showed this XXXX account as a new collection as of XXXX, XXXX, XXXX. I had the same issue with this account being listed on my XXXX credit file in which I disputed it and it was removed. I tried disputing it on XXXX, but it did not get removed. This is false reporting by this collection agency and they re-aged this account after acquiring it from another collection agency in an attempt to hold on to the account longer than the statue of limitations for the state of Alabama, which is my legal residence allows. This agency has not contacted me or attempted to contact me in any way. This negative posting on my credit report has caused a hardship in that it has denied my family the chance to move forward with a business venture that would tremendously improve our economic standing and provide a quality service for the community.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX  XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. Please see that this fraudulent account removed immediately from my credit file.

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 2023-04-29
Company: EQUIFAX, INC.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct. XXXX, XXXX XXXXXXXX XXXX Acct . XXXX, XXXX XXXX  Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX. Acct # XXXX, XXXX XXXX Acct, XXXX, XXXX XXXX XXXX XXXX  Acct. XXXX, XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Bankruptcy Discharge Acct # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have attached supporting documents. In XXXX, I submitted a borrower defense application to cancel the Navient student loans I had from attending XXXX XXXX XXXX XXXX the student loans defaulted in XXXX. I have not made payments on those loans since XXXX. Navient kept placing the loans into forbearance without my consent stating it was automatic forbearance due to the covid 19 pandemic. After the multistate settlement was complete, Navient refused to cancel those loans stating the loans defaulted in XX/XX/XXXX. I have attached supporting documents and emails to prove that Navient purposely placed the loans into forbearance to prevent cancellation, my last payment on those loans was in XXXX. The borrower defense application was recently approved for my federal loans from XXXX XXXX. The attached documents prove the private student loans with Navient qualified for cancellation under Navient AG Settlement, which qualifies for cancellation if loan had 7 consecutive late payments or default. instead of cancelling the loans, Navient keeps reporting the student loans as " charge off '' on my credit report. Ive also attached a copy of Navients representatives response to my complaint to the TN attorney generals office, she falsely claims the loans were not cancelled because they did not default until XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: XOOM CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Last XX/XX/2018 i transferred money To the XXXX using Xoom money transfer. It cost XXXX $ and and i will recieve XXXX php but they said to submit IDs and bank statement which i did but they still ask me to call them for verification which i also did but no one is answering. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In XX/XX/XXXX, I provided XXXX XXXX XXXX XXXX XXXX with all of the information needed to have me removed from the VA mortgage, as it was fully assumed by my husband. The original balance was {$220000.00}. The monthly payment was {$1400.00}. Instead of removing my name from the loan, XXXX XXXX XXXX XXXX XXXX reported that I opened a new mortgage on XX/XX/XXXX with the amount of {$220000.00}. I spoke with XXXX XXXX XXXX XXXX XXXX on multiple occasions to let them know that instead of removing my name from the mortgage, they reported that I opened a new mortgage. XXXX XXXX XXXX XXXX XXXX stated that they reported to the 3 credit bureaus that the account was closed. They also stated that the did not report that a new mortgage was opened. I was told by XXXX XXXX XXXX  that I needed to dispute this with all 3 credit bureaus. I disputed the information that a new mortgage was opened in XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX reported to the bureaus that the account was closed on XX/XX/XXXX. All of this information is incorrect. The account on my credit report shows XXXX XXXX XXXX with a number under the name stated as XXXX. This has reflected poorly on my credit report. It looks as if I opened a new mortgage with XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and then closed it in XX/XX/XXXX. They were only supposed to remove my name from the loan. Instead of that, they created a new account in XX/XX/XXXX and then closed it in XX/XX/XXXX. Please remove this fraudulent account 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 non-monetary relief
Consumer complaint received 2023-04-29
Company: OneMain Finance Corporation
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft I have police report to confirmed I was incarcerated the time of the opening.these items is effecting me and I ask they be removed asap

Company response to consumer: Closed with explanation