BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I upgraded to chase sapphire proffered card to the reserve card on XXXX XXXX. At the time I had XXXX rewards points in my account. I upgraded over the phone and noticed that my points balance was at XXXX. I called customer service and they said it would take 7-10 days to receive the points. After that time I called back and was told the points should have automatically transferred when I upgraded the card. The issue was escalated to a supervisor. I called back two weeks later and spoke to a supervisor who said that my points were transferred to another persons account, that after looking into it it may have been fraud by the representative who upgraded my card. I received a letter XXXX XXXX that the points would be added to my account. It is now XXXX and I have not received my points back. I called back to chase and keep getting the run around and having to explain my issue all over again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: OneMain Finance Corporation
State: MO
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 XXXX has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2011 credt card reversed fraud purchases, closed card and issued new card. Credit card fraud team said they reported to XXXX. XXXX, and XXXX. Frequent contact with credit card fraud team {$740.00} total of Fraud purchases all reversed by credt card company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Paypal Holdings, Inc
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have tried to use PayPal to move money and to pay for services. Both acttikns have been denied to me. They settled one issue momentarily but the same issue arose again and I have been unable to add funds to pay for certain items. I was then denied an extension of credit ; my credit standing was determined by a third party which I only consented too out of duress for the need of the item I was seeking to purchase for personal property concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: NAVY FEDERAL CREDIT UNION
State: NM
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Order of Events XX/XX/2023 : 1st Notice I endorsed the bill and sent along with a Letter of Instructions - Re : Claim of Credit, which was sent to the billing department located at : Navy Federal, XXXX XXXX XXXX, XXXX, VA XXXX. 

USPS Certified Tracking XXXX XXXXXXXX ( delivered on XX/XX/2023 ) A copy of the endorsed bill was also sent to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Claim of Credit, a notarized Power of Attorney, and a copy of the Federal Reserve Act Sec. 16, Part 1 & 2. 

USPS Certified Tracking XXXX XXXXXXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : 2nd Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Opportunity to Cure, a copy of the Federal Reserve Act Sec. 16 and Sec. 29, and included a copy of the delivery confirmation from USPS of the 1st Notice. 

USPS Certified Tracking XXXX XXXXXXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : XXXX Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Default of Notice, a copy of the Federal Reserve Act Sec. 29, and included a copy of the delivery confirmation from USPS of the 2nd Notice. 

USPS Registered Mail Tracking XXXX XXXXXXXX ( delivered on XX/XX/2023 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX In accordance to The Fair Credit Reporting Act, the accounts listed above 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 also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: MI
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:
To Whom It May Concern, On XX/XX/2023 I Mailed Experian And XXXX A Dispute Letter Regarding Unauthorized Inquiries Reporting On My Credit Report. Experian Wrote Me Back On XX/XX/2023 & XXXX On XX/XX/2023. Stating That These Inquires Are Factual, WITHOUT Providing Any Names Business Addresses Or Phone Number On Those Who Made Unauthorized Credit Inquires So I May Contact Them Directly. 

I Never Authorized Such Action & This Constitutes A Violation Of My Rights Under The Fair Credit Report Act 604 As Well Violations Of My Rights To Privacy.

This Is Not A Request For A Reinvestigation.

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 2023-09-13
Company: CBC Companies, Inc.
State: OH
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:
On XX/XX/2022 My credit was ran without my consent by : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been contacting Equifax regarding a serious situation. Ive had all types of information on my credit report and I can not get through to get my credit report because of the miss information. I have provided my picture ID and my Social Security card for verification of who I am. They then sent me a letter stating that I have a mixed file with other people so I asked them to remove everything off my credit report that was added due to them having me in a mixed file. They keep making me go in circles to get this done. I have provided them with everything they have asked for I have done everything that I can and I am asking that you are have them comply with removing those accounts due to them having me with a mixed file. I was a part of the data breach that happened with this company a few years ago. The way they are reporting my credit and then sending me the letter that I have been in a mixed file That they need to honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: BARCLAYS BANK DELAWARE
State: PA
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 was offered a tour-presentation through a time share company for 5-7 days and I had to cancel for another engagement and I had paid for the accommodations to XXXX/XXXX   XXXX and cancelled in XX/XX/2019. My trip was scheduled for XX/XX/XXXX through XXXX about. I called to cancel with XXXX-XXXX  but only XXXX of my charge was refunded. I then called choice visa and asked them about the charge on my card + finance charge stating they reviewed and couldn't help me and the dispute has been resolved. Now I only found out about this because I wanted to see any updates on the dispute online no one called me or added a message on my account or sent me a letter regarding this matter.So I discontinued use of the company ( XXXX VISA ) and requested to close my account.

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 2019-07-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX  and XXXX  are reporting an incorrect balance on the XXXX XXXX account number XXXX. ( Please see the attached page from my credit report. ) I have also attached a copy of the check to XXXX XXXX dated XXXX in the amount of {$11000.00}. I had GAP insurance after my accident and this check was applied to this account, however the balance is not being reported correctly on my credit report. I have contacted the ( 3 ) bureaus to resolve this issue. This inaccurate reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: SYNCHRONY FINANCIAL
State: MI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a notification on XXXX XXXX that a new line of credit had been opened in my name. I called the synchrony bank trying to figure out what happened but without getting any info. After several weeks of calling and asking the account to be reported for fraud, someone finally told me the account was made with XXXX XXXX  XXXX XXXX XXXX XXXX is a security company my friend bought a security system through. I agreed to co-sign for her, I have seen her bank statements and the company has confirmed she has not missed a payment. I am being charged with her full bill regardless. 

Neither XXXX XXXX XXXX  nor Synchrony bank has been able to show me any contract Ive signed, citing that I gave verbal consent. I do not remember agreeing to a loan, only co-signing for if my friend defaults. 

Ive tried to resolve this for weeks and now months with both companies, and have disputed that line of credit with Synchrony Bank twice now. Which has been denied both times

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 2023-09-12
Company: EQUIFAX, INC.
State: TX
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:
I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED XXXX XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX {$660.00} XXXX XXXXXXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$2800.00} XXXX XX/XX/XXXX {$2400.00} 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 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 Please remove these inaccurate information from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
HAD A XXXX XXXX SEE PROOF COULD NOT PAY MORTGAGE, WAS APPROVED AT THAT TIME AM A VETERAN CALL VA SAID WOULD APPROVE NOT TRYING TO HIDE BUT NEVER RECEIVED CERTIFIED LETTER NOTICE OF INTENT TO SELL BANK SAID RESUBMIT BUT WAS ALL PAPERWORK IN XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: OPORTUN FINANCIAL CORPORATION
State: NV
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional XXXX that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX account ending in # XXXX, XXXX - XXXX account ending in # XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX account ending in # XXXXXXXX XXXX XXXX XXXX  account ending in # XXXX, XXXX XXXX account ending in # XXXX, XXXX XXXX account ending in # XXXX, XXXX XXXX XXXX  account ending # XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX account ending XXXX XXXXXXXX XXXX XXXX XXXX account ending # XXXX, XXXX XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX XXXX, XXXX account ending in XXXX XXXX, and XXXX XXXX account ending XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : 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 2019-09-23
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
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:
On XX/XX/2019 I called Pentagon Federal Credit Union to inquire about a pre-approved credit card offer that I received in the mail. I told the representative with whom I spoke that I was not interested in the card advertised in the mailer ( a Visa card ) but that I would like to know if the pre-approval applied to their other card products. He told me in no uncertain terms that it did. As far as I knew, he then assisted me with applying for a different product, an XXXX XXXX card, for which he told me I was approved. I found out the following Monday that this representative had lied to me, and in fact he had processed an application for the Visa card without my permission. After numerous phone calls to PenFed and discussions with supervisors I was told that the credit union would not honor the approval for the XXXX XXXX card, which was the only card I was ever interested in opening with this institution. One representative suggested that I simply put in a new application, which I did on XX/XX/XXXX. This application was declined. The result is that PenFed placed two " hard '' inquiries on my XXXX credit report. I have asked them to remove the inquiry from XX/XX/XXXX, since I never consented to apply for the Visa card and in fact the representative I spoke with lied to me repeatedly and told me he was processing an application for the XXXX XXXX. I was told by a couple of people at PenFed that this inquiry could have been placed either in connection with the credit card application or in connection with my joining the credit union, a condition of opening a credit card account. Since none of this was disclosed to me at the time and I never gave my permission to have my credit pulled for any purpose other than to apply for an XXXX XXXX card I reiterated that I expected that inquiry to be removed from my report. I was told by the last supervisor with whom I spoke that the tapes of my initial phone conversation would be reviewed and that I would be contacted after he determined what happened. This was in XXXX. I never received any follow-up call, and the inquires have remained on my XXXX   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 2022-10-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: GA
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. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX 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 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 non-monetary relief
Consumer complaint received 2023-09-11
Company: Chime Financial Inc
State: AZ
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/2023 XXXX dollars was taken out of my account without my permission, and I reported it to my bank and also made a police report. I disputed the transaction asking to get the money refunded and was denied my card that I had lost was returned to a gas station after the money was taken out, so there for I did not notice the money was withdrawn right away. The institution was very uncooperative and the information they put into their data base was completely wrong. I tried to dispute it numerous times to get the info corrected and it was never done. I would like my XXXX redunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Specialized loan services, my mortgage company told me during covid not to pay payments because the STATE shut down my XXXX for COVID and i was in a forbearance. the mandates really hurts business but i am willing and able to pay for years now the have denied me for everything and refuse to help the are demanding my deed. they prolong help thru NJ housing and dev. and even they wont help. I will not ; lose my home over this covid closing. i was already battling hardship when covid hit

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