BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-31
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Several people were called including myself we were threaten called names, harrassed repeatedly every day with calls from a private number indentfying there self as Diversified consultants they would call and threaten to take legal action and shared personal information concerning who they were calling about to the people who they placed a call to trying to contact a certain person in all they contacted about ( 4 ) different people daily we all were harrassed and threaten by diversified consultants daily we asked them to stop calling and they did not stop with the calling this issued bothered me so much becuase its one thing to harrass but to threaten me is crazy I would have been more cooperative had they would have not threaten me and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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 Account # XXXX and XXXX 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 a account without my written instructions XXXX XXXX XXXX  Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made a payment in the amount of {$1100.00} to XXXX XXXX XXXX XXXX through online bill payment from my account at Capital One Bank. XXXX XXXX claims that they never received the payment. I am requesting that Capital One should reverse the payment and put the money back in my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: JPMORGAN CHASE & CO.
State: CO
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:
On XX/XX/2023 around XXXX XXXX  MT, I received a call from XXXX. The number showed up as " Chase Bank '' on my phone. The woman stated there were two unauthorized transactions on my account and she was going to issue a new debit card. She then asked for a verification code and instructed me to hit " yes '' on my phone when prompted by the Chase messaging system, which I did. After this occurred, seven {$60.00} transactions were taken out of my checking account and five separate {$60.00} transactions were taken out of my savings. When I called Chase Bank to see why these ones weren't flagged, I only then learned the woman before was a scam and had tricked me into both offering a code and writing " yes '' on my phone which allowed access to what someone at Chase called my " digital wallet. '' I felt stupid but it was the reality of what happened. 

Chase issued me a temporary credit and then notified me on XX/XX/XXXX that they were rescinding the credits on XX/XX/XXXX because they found the transactions were, in fact, " authorized. '' I called Chase Bank on XX/XX/XXXX around XXXX XXXX  MT and spoke with two different individuals. They didn't explain why the investigation found me guilty other than " the device was consistent with the transaction, '' which I assume means the the fact that the scammers tricked me by using the Chase text system to get me to issue a code from my cell phone. When I told them this was a fraud victim scenario, I was dismissed ( I was actually told by the first person " no, this isn't fraud '' ), and told there are no other options and that I could not speak to anyone on the investigations side since the decision was final. Even though they told me there are " case by case '' decisions, they told me " regulations require us to do it this way. '' On top of this, I've sent three messages to Chase through the secure message center, but only one has been responded to, which told me to call the same people I spoke with the first time. I'm not really getting any clear information from Chase about what rights I have. 

I understand I played a role in the scam I was a victim of, but I would be surprised that Chase Bank offers no fraud protection for these scenarios for its customers. Is this really true? 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hi, they open 2 additional checking account for me without my consent. Every time I call the XXXX number to close it they hang up the phone on me and refused to connect me to the right department in order to do so. 
First XXXX XXXX  checking ending in XXXX and another premier checking ending in XXXX I want to close immediately because I did not open those accounts I do want to keep my original XXXX XXXX, checking account ending in XXXX. and tclose all the others Thank you very much

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 2023-01-09
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above.

According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, a wallet belonging to me was stolen. This included credit cards and specifically my Chase credit card. 

That card was charged for over {$1500.00} of fraudulent charges. On XX/XX/XXXX I called the company and had them mark it as fraud. 
On XX/XX/XXXX I received an email from Chase saying the review of the fraudulent charges was complete and a letter was posted to my account. When I went to review my account, no letter has been posted and no letter since then has been posted in my account section as detailed via the email. 

In addition the charges were reapplied without receiving a letter on my account or via mail and even on XX/XX/2021 I still have not received a letter or any writing to evidence the review. 

When I called the company on Monday XX/XX/XXXX, I was told the fraud had been denied and I needed to provide additional evidence. They did not once reach out to me during the initial review period spanning XXXX XXXX XXXX. 

Within 30 minutes I provided detailed emails showcasing the police reports and conversations. When I called back on XX/XX/2021 the company could not provide any new updates because they still needed more evidence that the purchases were fraudulent, while they charges remained on the card increasing my current balance and potentially impacting my credit score and refusing to issue temporary credit while investigating the claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX. Please correct and update.

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 2021-06-14
Company: Bread Financial 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: Account information incorrect

Complaint:
I paid off in FULL a Victoria secret XXXX XXXX  credit card on XX/XX/XXXX and they willingly chose to send misleading and false information to XXXX credit bureau stating that I owed more money and due to that my credit score went down -145 on XX/XX/XXXX. I called XXXX credit bureau because that is what comenity bank told me to due and trans told me that they cant due anything about it and dont have the information that community told me they would have. Comenity didnt send paper statements when I asked them to and also didnt send my credit card when opened. They violated me. When I call Comenity bank every person that answers give me different information and tampers with my information. Although I placed my correct information in store. XXXX told me on XX/XX/XXXX that the information on my file was wrong. After I created an account with the bank they my phone. After all the calls I have made. Under the Fair Credit Reporting Act XXXX FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner. I called today XX/XX/XXXX and they updated my address and email again. Every time I call its the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Capital One calls me several times a day every day. I spoke with a representative and explained I needed a extension but would like the daily calls to stop and now I'm called multiple times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
My loan was transferred on XX/XX/, but before i was notified I made one last payment to my previous mortgage servicer, my mortgage was never applied to the new loan company, I was getting billed for the month I just payed. I contacted both companys, have spent over two months trying to get this payment applied, the previous company cardinal financial was extremely helpful, provided me with proof that my payment was transferred with the loan. Showed my in my online account the payment went into a suspense account and told me to send this info to the new company which I did. XXXX XXXXXXXX XXXX XXXX  has refused to show me or cardinal financial proof they do not have my payment. They have said the proof we sent over of it being in a suspense account is not enough all while refusing to show us they did not receive my payment. They are requesting bank statements and making me jump through hoops instead of helping resolve this issue.

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 2023-10-05
Company: TRANSWORLD SYSTEMS INC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from XXXX with TSI on XX/XX/XXXX @ XXXX calling to collect debt of {$600.00} as of XX/XX/XXXX. Said debt was with XXXX XXXX. I have never done business with XXXX XXXX and was told to call XXXX. He would not provide me an account number or service address and said I could obtain that from XXXX XXXX. 
I called XXXX XXXX and they can not pull up an account by name. They need the service address or an account number or SSN or telephone number or driver 's license number. 
I moved out of state XX/XX/XXXX and no longer have my TXDL, they could not pull up an account by my SSN or phone. 

I received a call today XX/XX/XXXX from XXXX with TSI at XXXX threatening me that if I did not pay it was going to go against my credit. I advised what XXXX XXXX said and he said he could not give me the service address as this is sensitive information. He provided to me an account number. 

I called XXXX XXXX and they said that is not a valid account number and that the collection agency should be providing the service address. 
She could not locate an account under my SSN or phone number and advise I reach out to www.ftc.gov to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-10-06
Company: U.S. BANCORP
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My Elan Financial Fidelity card has several transactions with issues, but Elan Financial transaction dispute function seems to be dysfunctional and I can not get them to dispute the transactions. First, there are two transactions from XXXX XXXX XXXX that I have returned the merchandise to XXXX XXXX XXXX and received a return confirmation, but have been unable to get them to issue a refund. For this reason, I would like Elan Financial 's help and dispute these two transactions : {$240.00} on XX/XX/2023 by XXXX XXXX XXXXXXXX XXXX and {$630.00} on XX/XX/2023 by XXXX XXXX XXXXXXXX XXXX Then there is a transaction from XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/2023 for {$550.00} that I do not recognize and have not authorized. I have never purchased or received anything from XXXX XXXX XXXX and would like Elan Financial to take care of this unauthorized transaction.

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 2023-06-14
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023 I requested SECU in XXXX NC to mail check in the amount of {$180000.00} to XXXX XXXX XXXX in XXXX as IRA Trustee to Trustee Transfer. I hand-delivered the transfer request to XXXX NC XXXX XXXX XXXX. On XX/XX/2023 funds in the amount of {$180000.00} were withdrawn from my Traditional IRA account at SECU and I was advised that a check had been mailed that day by SECU. 

XXXX XXXX XXXX had not received this check as of XXXX XXXX  today on Wednesday XX/XX/2023. 

I have been inquiring of SECU for several business days where the delay was in delivery of the check.

I have just now been informed by SECU that a 3rd party vendor who is out of state has been contracted by SECU to print and mail paper checks.

SECU had not previously disclosed to me as a member that check printing and mailing was contracted to out of state 3rd party vendor. SECU staff advised me this week that they were likewise totally unaware that checks were being printed and mailed by out of state 3rd party vendor.

I have asked what city and state the 3rd party vendor is located and SECU advises me that for security reasons they can only advise that the vendor is out of state.

I find it shameful and wrong for SECU not to disclose to members and to employees that SECU has contracted with a 3rd party vendor to print and mail checks and also not to disclose the location of the out of state vendor.

If SECU had previously disclosed that checks are now being printed and mailed by 3rd party vendor who is out of state, I would have chosen to handle the transfer as rollover and taking the funds in person to XXXX XXXX XXXX. 

I have now been advised today by SECU that I must wait 10 business days to request a stop payment order on the " lost '' check that has been reported to have been mailed on XX/XX/2023 and not received by XXXX  on XX/XX/2023. 

I wish for CFPB to demand that SECU be open and transparent to members and to disclose to members that checks will be printed and mailed by out of state 3rd party vendor and that SECU disclose the location of the out of state 3rd party printing vendor

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Bridgecrest Acceptance Corporation
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was behind in my car payment in the amount of {$830.00}. I was granted an extension to move 2 payments total amount of {$480.00} to the back of the loan. I was advised to pay {$230.00}. When they put the 2 payments to the back of the loan it took care of XXXX payment and I paid XXXX partial payment of {$340.00} per the extension agreement to bring the account to a {$0.00} balance. It was not in WRITING that I would have to pay a regular car payment again in the for XXXX payment of {$480.00} when I paid {$340.00} in XXXX. Its my understanding when you make a payment that should get you current so the next payment would be in XXXX. This is a violation of UDAPP. 
I would like an explanation as to why would I have to pay a total of {$810.00} if granted an extension for a total of {$480.00} which is two bi/weekly payments of {$230.00}. Why didnt the extension agreement indicate any of this. The extension agreement just stated I was granted an extension never outlining when the next payment was due or the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: CORELOGIC INC
State: LA
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 am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX  XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX {$16000.00} XX/XX/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