BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I requested a balance balance transfer from a credit card I have with my bank back in XX/XX/XXXX to another XXXX to pay off the balance. I had been watching and waiting for the payment to post to the XXXX card for about a month. Calling and checking online to both the bank credit card and the other XXXX card. The bank credit card reps were telling me it could take up to 14 business days to mail out the check. Nothing had posted to the XXXX as of mid XXXX. I let my bank credit card know and ask them to start the process of a refund to my credit card. That is when they found out the check had been cashed on XX/XX/XXXX. I was told by the bank rep the check was cash by the XXXX XXXX and to reach out to them. So I did and they requested a copy of the check, which I provided to them and they did their investigation. I have now received a letter back from the XXXX company stating the check was cashed by another company, and that is way it was not posted to my account. I reached back out to my bank to see what the next step is. 
You can clearly see on the check that was sent to the XXXX company, my name, address, part of an account number and the Bank ( company ) it was made out to. The endorsement on the back of the check is not that company. 
It is my understanding that you are not allowed to cash a check that is not made out to you. It looks like they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: NJ
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, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. 
XXXX XXXX  account # XXXX have 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

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 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Capital one allowed someone to open a fraudulent account in my name using my stolen identity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
My old credit card ( ending in XXXX ) was set to expire in XX/XX/XXXX, so as per Capital One Bank rep their system auto-generated new cards and mailed them to my address on file on XX/XX/XXXX. Capital One said the letter was supposed to be delivered by XX/XX/XXXX ; however, I never received the letter and the new credit card that they sent. On XX/XX/XXXX, between XXXX and XXXX, I received numerous texts and calls from random numbers, but I didn't respond or click any links. I even had to turn off my phone because I'm in the middle of review for my exam and was getting distracted. At XXXX, I saw a notifications from Capital One detailing three large unauthorized transactions ( {$7000.00}, {$12000.00}, and {$7700.00} ) at XXXX XXXX XXXX XXXXXXXX at XXXX XXXX XXXX XXXX XXXX NY XXXX I immediately called Capital One to dispute the charges and lock my card. 

On XX/XX/XXXX, Capital One informed me that the dispute process was completed, and the charges were considered valid ( case # XXXX ). When I called to dispute their decision, they insisted that I needed a person of interest for reconsideration. The representative, XXXX ( XXXX : XXXX ), explained that the new card which I never received ( XXXX exp XX/XX/XXXX ) was activated using my phone number and used at XXXX XXXX XXXX XXXX. I contacted and visited XXXX XXXX XXXX XXXX  XXXX XXXX, but she said further details could only be provided to law enforcement. When I went to the police station, they told me they needed an affidavit letter from the bank stating the charges were fraudulent and suggested hiring a civil litigation lawyer. 

On XX/XX/XXXX, I found and retained XXXX XXXX XXXX to help with the dispute. Despite our efforts, Capital One refused to provide an affidavit letter, as their system showed the transactions were made using the new card ( which I never received ) and microchip activated with my phone number. My detailed XXXX phone records prove that I never called Capital One to activate a card during XXXX or on XX/XX/XXXX, but they still won't accept this as evidence of fraud. They said they can not compel the merchant to submit evidence of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: GA
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 XXXXXXXX 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 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-08-18
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX {$590.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX $ XXXX XXXX  XXXX XXXX {$500.00} XXXX XXXX {$400.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$2600.00}

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 2023-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone just opened credit card under my name through Walmart store and I want to report the fraud on it and I want this account and other credit card opened under my name to be close. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Have previously attempted to have this company validate the date and remove collections from credit bureaus. Upon further investigation I have found the original creditor was negligent in their billing practices and this bill should have been covered under workers compensation. Because I am a patient with this hospital my insurance was billed without my authorization as this was a workers comp claim. The time to submit the claim under workers comp had passed and they attempted to bill me instead of correct the error. This collections agency could not validate the information as requested because I should have not been billed in the first place.

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 2023-11-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
In your letter dated XX/XX/XXXX you stated after you provided proof that you had acquired insurance coverage yourself we canceled the insurance we got for you and sent any refunds of the premium you pay to your escrow account 1. Please send me a copy of the letter the insurance copy that you received showing I had insurance from XXXX through XXXX with the same company you failed to provide that in your prior explanation when doing an investigation you must supply the homeowner with the investigation the documents you acquired how you corrected your error you failed to do that in this letter dated XX/XX/XXXX you're obviously trying to avoid the obvious. Also explain why you think returning a check for {$2200.00} in XXXX of XXXX and foreclosing on the homeowner and taking their house away makes them whole. 
This check was payable to XXXX XXXX but you stopped payment on the check I want to know who gave you those instructions to put a stop payment on the check who the check was issued too I want a front and back copy of the check to see who benefited from my money You violated the law because you had 30 days to do the investigation come to a conclusion tell the homeowner you made a mistake and correct the escrow account you chose to break the law and wait five years the homeowner suffer because you failed to follow the law? 
1024.35 Error resolution procedure Your servicer must generally confirm it received your letter within five business days and respond with an answer within 30 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
I opened a new credit card with capital one bank. I used the card, then I never received a statement. I never recieved a mailed statement or an emailed statement. I waited 2 months to check on the account. In that time Capital One charged me {$65.00} in late fees. I recieved no notice about the fees or the account. Capital one refused to waive the fees. The only way I could come current, was to sign up for a program that charged me {$83.00} a month for three months. I believe that they did this purposeful to generate increase fee income.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made a charitable contribution on XXXX using PayPal. Now, I'm getting messages from XXXX XXXX XXXX app for every transaction I make through PayPalXXXX those that are made outside of XXXX that have nothing to do with XXXX. I asked PayPal what to do. They said to " unlink '' my account and gave me instructions on how to do that. I followed those instructions and it didn't work. I'm still getting notifications from XXXX with " receipts '' for every PayPal transaction I've made recently. I do not want XXXX to have this data and PayPal is sending it through their platform without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: TX
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-04-04
Company: EQUIFAX, 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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

EQUIFAX - Fraudulent INQUIRIES XXXX XXXX XXXX  Date of inquiry XX/XX/2021 Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have deposited check in my account, my account had positive balance and never had any negatives or bounce checks, the deposited check turned out to be a bad check, after that the bank held my own funds for 30 days, and then the closed my account and returned my money, they said they don't want to do any business with me, I respect their position, and took my funds and walked out. After this incident I went to XXXX XXXX to open an account, XXXX XXXX told me that Comerica bank reported to XXXX ( XXXX XXXX XXXX ) negative mark, Now I can not open an account, I contacted Comerica Bank, but they did not even talk to me to explain the reason for reporting negative mark and hung up the phone on me a few times. I want to resolve this matter ASAP and report Comerica Bank for unverified reporting of negative mark on XXXX. Comerica is reporting without proof of wrong doing, Comerica must be sued or reported as misusing of banking relationship against consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: JPMORGAN CHASE & CO.
State: CA
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:
I initiated a transaction on XXXX website. They allowed XXXX to bill my credit card for a total of {$590.00} of which {$170.00} itemized as " Integration Additional Costs ''. 

I called XXXX and XXXX to find out what these charges actually represented and I was told both by XXXX and XXXX XXXX ( XXXX : Supervisor ( XXXX ) XXXX ) that they could not account for or identify those charges and that it was perfectly ok for me to request that the charges {$170.00} be removed by Chase. 

Unfortunately, even after talking ( conferencing the call ) with both XXXX ( XXXX : Supervisor ( XXXX ) XXXX ) and XXXX, XXXX, XXXX, XXXX, XXXX ( Chase Fraud Dept. ), XXXX, XXXX and XXXX from Chase Dispute Dept and XXXX ( Account Supervisor from the Chase Dispute Dept. ) none of them would remove those charges from my credit card. 

Maybe XXXX and XXXX are charging many customers these charges only to be told by their cc issuers that that can not be removed. 

XXXX from XXXX ( ( XXXX ) XXXX ) has no idea of where these charges came from : ( Integration Additional Costs, ( FIN, SER, RES, DAM : {$170.00} ) XXXX from XXXX spoke to XXXX : Supervisor ( XXXX ) XXXX ) from XXXX and verified that these are Not legitimate charges and should be removed from my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: LA
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:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Called to find out where to send form for exemption and was given the wrong email address. Had to locate correct email address on my own. 

Submitted Homestead Exemption early in 2023. Received letter stating to wait for an update once document has been worked. 

Resubmitted Homestead Exemption on XX/XX/XXXX. Received the same letter in the mail with no update, before or since. 

Have used mortgage companies messaging system to submit request for update twice. Both requests were closed with no updates or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Location Services Holdings, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I went through auto approve to buy out my current lease which they got approved through XXXX XXXX XXXX, the money was sent to XXXX XXXX and the account was paid. I was later contacted by auto approve that Colorado state law doesnt allow them to pay off a lease directly and needs to be done through the dealership which they claimed they did not know. They then told me they were canceling the financing after it had been completed for 2 months. I had already made a payment of {$570.00} dollars to XXXX before they cancelled the financing because I did not know they were going to cancel the financing until I had already paid. I have auto approve how to get my payment back as well as XXXX and have not got any answer back after several attempts. I should not have to pay for a loan that I received nothing from and was cancelled by them and not me. All I want is my money back and be done with them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
After learning about the Fair Credit Reporting Act 15 USC 1681 section 602 I have attempted to reach out to the TransUnion to file an initial dispute. While chatting with XXXX XXXX right as we were getting into the dispute process the chat disappeared. At that moment I went and tried to submit an online dispute and an alert was sent that I could not place a dispute online it would have to be by mail or online. In accordance with the Fair Credit Reporting ACT. As the creditor has violated my rights under the 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 section 604 section. It also states that a reporting agency can not furnish an account without my written instruction. Under 15 USCS 1666B a creditor may not treat a late payment on a credit card account an open end consumer credit plan as late for any purposes. 
However they are reporting and making it very hard to dispute these transactions.

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 2023-04-20
Company: Experian Information Solutions Inc.
State: TX
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:
My identity was stolen and used I paid off the debt to be removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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