BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: JPMORGAN CHASE & CO.
State: GA
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 went to a restaurant with a big group and my credit card got charged twice. Once for {$20.00}, which was the correct amount, and once for {$150.00}, which was definitely a wrong charge. I talked to the restaurant manager, and they said they had no record of the {$150.00} charge and to dispute it with my credit card company, which is Chase. Chase reassured me that they would take care of the fraudulent charge, but they ended up charging me for it. When I questioned Chase about why they did not take care of the fraudulent charge, they said it was because the card was scanned in person. I told them that's because I was at the restaurant like I told them with the card, but the {$150.00} charge was not mine, so the waiter must have used it for an UNAUTHORIZED transaction. Chase insisted they would not cover any fraudulent charges from a merchant that I have used before, which makes no sense. So basically if I used a merchant like XXXX a XXXX times with my credit card, but a fraudulent charge went through on XXXX then they wouldn't cover it?! They said they did not obtain a signed copy of the receipt for the {$150.00}, which if they did, it would clearly show it was NOT my signature that authorized it. I even submitted to Chase a copy of my correct receipt showing the {$20.00} charge and e-mail correspondence from the restaurant, but Chase still did not take care of the fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: PNC Bank N.A.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am writing to register a formal complaint against PNC XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX, for their alleged violation of the discharge injunction of my bankruptcy. 
On XX/XX/2020, I received a discharge of my debt obligations from the XXXX XXXX of New York. Despite this legally binding discharge, PNC XXXX XXXX has unrelentingly persisted in their collection activities against me. They have subjected me to undue harassment, including threats of seizing my home and personal assets if I did not adhere to their demand for payment. 
The intensity of this situation was further amplified by the ongoing XXXX pandemic, during which I was compelled to continue these payments. As a retiree on a limited income, these threats have placed an immense burden on me, both emotionally and financially. Out of fear and to preserve my assets, I felt coerced into making payments that, according to my understanding of the discharge order, I was no longer legally obligated to pay. 
Since receiving my discharge, I have personally made payments totaling {$210000.00}. These payments were facilitated with the financial support of my family, adding additional strain on them as well. 
Despite these considerable payments and clearing the balance with XXXX XXXX XXXX, a Commercial Collections XXXX at PNC XXXX XXXX, the harassment did not cease. In fact, they have begun to demand additional payment for late fees and other charges that, to the best of my understanding, are unjustified and unwarranted. 
The undue emotional stress and financial hardship this has imposed on me, particularly given my status as a retiree and the ongoing global pandemic, have been significant. I trust that the Consumer Financial Protection Bureau will address this serious concern promptly and ensure PNC XXXX XXXX 's compliance with the law. 
I am prepared to provide any additional information required for this investigation, and I eagerly anticipate your timely response in resolving this matter. 
Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but Transunion, XXXX, and XXXX have been reporting as follows : XXXX ACCOUNT NUMBER XXXX BALANCE {$2500.00} ACCOUNT OPENED ON XX/XX/2021 REPORTED AS COLLECTION. 15 U.S.C, 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-05
Company: EQUIFAX, INC.
State: TN
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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: WV
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$14000.00} ), XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$7100.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$5500.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting 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 explanation
Consumer complaint received 2018-07-18
Company: EQUIFAX, INC.
State: CA
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:
All three of the major credit reporting agencies ( XXXX XXXX, Equifax and XXXX   ) are not up to date all the time on or reporting bogus information on me of which creditors look at this information and take it as being totally correct.

It also doesn't make sense that when one credit reporting agency fico score on me increases the others go down and vice versa.

When I apply for credit such as a car loan the creditor looks at several lending institutions with the best interest rates for my loan which gives me a " ding '' each time an inquiry is made and adds to my Hard Inquiries which in turn lowers my score ( I'm just trying to get the best interest rate ).

This also doesn't make any sense, for example, my fico score reads XXXX when my Positive Negative Credit Card Use is : 5 % Credit Age : 3 Years ( although I have 20+ years ) Payment History is : 100 % Hard Inquiries : 10 ( lowers score just for checking ) Derogatory Remarks are : 0 Total Accounts are : 21 WHAT IS UP WITH ALL OF THIS BAD REPORTING?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX Balance : {$0.00}

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 2018-07-18
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
HHgreg/SYNCB/SYNCHRONY : This was a debt that my ex-husband applied for in my name. With going through a tumultuous divorce, I didn't know anything about it until a few years ago when I tried to repair my credit then and offered them {$1100.00} and they said NO.. they wanted the full amount of {$1900.00} and threatend to hire and attorney and take me to court. Shortly after I lost my job, I was in a hardship from my divorce, not getting child support or alimony to help with bills.and then losing my job and my mom passing in 2014, I wasn't able to work for a year.

I would like to ask that this be forgiven and removed from my credit report being it is now with a third party collections as a Charge-Off, original debtor has already been paid. Please forgive. 

I'm now a single mom of XXXX young kids and have not received any notices from them and the matter has been charged off for some years now. This is hindering me from securing a home for me and my kids, lower insurance and just live a better life for my kids.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX XXXX ( XXXX XXXX ) has repeatedly called me stating I owe {$3200.00}. I explained that I never had a XXXX account and XXXX XXXX XXXX XXXX advised this would be removed after I have disputed this account online several times in XXXX with Transunion. The account was briefly removed, but now XXXX XXXX has started calling me repeatedly and I have blocked their number. This company has reported this inaccurate information on my credit report to Transunion. This company has violated these laws : 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 a account without my written instructions. 15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.15 U.S.C . 1681 section 604 Section 2 :

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 2023-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened the savings account with promo code XXXX on XX/XX/XXXX. 
The promo stated to make a deposit of $ XXXX within XXXX  days of opening, hold the money for XXXX  days and receive bonus within XXXX days after holding. 
I made the deposit on XX/XX/XXXX and held funds until XX/XX/XXXX which is for XXXX  days. However, the institution ( Capital One Bank ) refuses to pay the bonus. They informed me that XXXX  days starts after XXXX  days period. This information was not disclosed to me at the time I opened the account. The promo summary didn't have any footnotes signals indicating that there is a additional period of XXXX  days before XXXX days. The terms and conditions also state XXXX  days in multiple places without any references to the additional XXXX  days. 
This is very misleading and institution was not upfront with the information and tried to hide the fact that there is XXXX  days funding period before XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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 belongs to someone else

Complaint:
My identity has been compromised due my belonging being stolen and also through the XXXX data breach and my credit has been negatively affect. I've sent documents to get this fixed but had no luck. I can try and get prior police reports beside the current one I've filed. These are not my accounts. 
Account : 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 2023-05-09
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft.My ex husband XXXX XXXX opened unauthorized accounts in my name without my consent. I have tried contacting these companies several times to inform them that these accounts are fraudulent but they reported it anyway after letters and phone calls they ignored or never responded back.

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 2023-05-09
Company: ENCORE CAPITAL GROUP INC.
State: FL
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 noticed inaccurate and a unauthorized account reporting negatively on my consumer report. Not sure if you're mixing my identity with someone else or of this is identity theft. I will attach a letter so your company can investigate and remove this inaccurate account. I will also attach copies of all the credit reporting agencies address reporting FALSE addresses on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Capital One locked my account and does not want to give me the reasons why. I called them numerous times without success. They told me they are closing my checking account and still not giving me the reasons why. So, I told them if this can be avoided? But no, they told me I must subpoena myself to know the reason. Anyway, I decided to do closed my savings, and checking under " consumer closed account '' as soon the agent number XXXX ( who is highly aggressive! ) told me " no it is under review '' and I said again " I do not care about the review, I want my accounts to be closed by me. '' She then left for few minutes, and transfer me to a supervisor who said, " your accounts are closed now '' But it is not under consumer decision but the bank Capital One '' I am devasted they ruined my credit report for no reason, no explanation, and did not want to report the consumer closed the accounts. Now, I will not be able to open a new checking account in any bank because Capital One ruined it for nothing! I want you to help me repair these huge errors, and asked Capital One to reverse the name as I was the one who called on XX/XX/2021 from XXXX XXXX  to XXXX XXXX  for nothing! The bank has no right to close my accounts since they have no reason for it. The worse is that it is me who asked it not them! These accounts were open and not closed! What are my options to sue Capital One, and their thief ex-CEO who stole money, and the bank itself ruined customers lives when they feel like it! No business has the right to do this to anyone in the world! I am sure that I am not the only one who suffers from this kind of situation. If anyone did, I want them to email me to file a lawsuit for defamation and tort! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: JPMORGAN CHASE & CO.
State: VA
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:
My chase credit card was charged for {$720.00} for an online purchase at XXXX XXXX that neither myself or my husband made. I reported this fraud to Chase and they issued a new credit card. After waiting for over a month, they sent a letter saying my claim was denied. I called them and they said that my husband bought an XXXX controller ( he did not and does not even own an XXXX ). They said they would reopen the claim but to also call XXXX XXXX, which I did and they claim that the purchase was made for curb side pick up at a location over an hour from where I live. They also say they will " investigate. '' This is absolutely ridiculous we have been Chase customers for years and have always paid on time/ never filled any other fraud claims. I will be leaving Chase if they do not resolve this issue and refund us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX Account ending in XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2022, I received a notification from Experian that they would NOT honor my request to block certain negative information in my file that MAY be a result of Identity theft. I am an Identity Theft Victim and someone used my social security number to file a Tax Return. I submitted this letter, along with the Identity Theft affidavit, the items circled, and my ID and proof of address to Experian and they said that they would not block the items because there was no police report attached in accordance with the FCRA. I have a copy of the FCRA and there's nothing under 605B ( a ) that discusses that a police report is required. 

In addition, Experian has chosen to not honor my requests in XXXX, XXXX and XXXX to supply certification of Metro2 compliance. They send " canned '' responses like " Verified, '' or " Furnisher certified that information is correct. '' They did, however, remove 3 negative accounts : XXXX ; XXXX and XXXX XXXX  from my account. Under Metro2 Compliance, I would like certification that these removals have been shared with the other Credit Bureaus as required under Metro 2.

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 2023-07-31
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:
This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$510.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  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 non-monetary relief