BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase took illegal action to close two of my checking accounts - a business checking account and a personal checking account. 

When they closed these accounts, they blocked all online access to my pre-existing Chase-issued XXXX Credit Card account XXXX These accounts all have the same login location on the internet. 

I have been unbale to access the account to make any payments or to otherwise use the account as I could use it previously. 

I demand Chase explain why they have taken these XXXX  actions. 

I refuse forever and permanently to pay any amount on this card until the damages Chase has created by their irresponsibility it fully corrected with compensation to me for their damages and losses that they have caused. {$25000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
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: Credit inquiries on your report that you don't recognize

Complaint:
I received an alert from Experian that my credit file had been updated and there was new inquiry. I had not authorized anyone to pull an inquiry nor am I looking for new credit. I logged in an found that XXXX & XXXX checked my credit report XX/XX/2022. I called this company from the number provided on my Experian credit report ( XXXX ) XXXX. I expressed to them that I have not authorized anyone to access my credit history and I that they have no right to access my credit profile without my permission and they must remove this inquiry and never access my profile again.

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 2023-09-15
Company: BARCLAYS BANK DELAWARE
State: CA
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:
I sent a letter via US mail on or about XXXX XXXX XXXX to the following mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This was a transaction with XXXX made XXXX XX/XX/2022 in the amount of {$580.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

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 2023-01-31
Company: Paypal Holdings, Inc
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
To whom it XXXX concern : I am writing to bring to your attention an issue I am facing with my PayPal account. To my surprise, my account has been banned without any prior explanation.

As a XXXX, PayPal is a crucial platform for me to receive payment for my services and transactions. The sudden disruption of my account has caused a sign
ificant impact on my business operations, as I am unable to receive payments through PayPal now.

I would be more than happy to provide any necessary Government/Valid IDs to help resolve this issue. I already forwarded my concern to PayPal support but they can't disclose the reason why they XXXX my account. I kindly request your assistance in resolving this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I bought some money orders that I no longer needed. I mobile deposited them into my Citi checking account a week after I purchased them. Citi put my account on hold for XXXX business days to make sure the money orders cleared. I called back on the XXXX business day and they said they were closing my account and would not tell me why. They said that they funds from the money orders had cleared and posted to my account. I also called XXXX XXXX to track the money orders and all of them said they had been cashed in the days that I deposited them into my account. So I dont understand why my account is closed and I they wont give me access to my funds. I called a Citi bank branch and they said there was nothing they can do.

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 monetary relief
Consumer complaint received 2023-01-12
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 the following accounts XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX XXXX XXXX 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 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 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 2020-07-09
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am highly disappointed in the experience I have had with Experian. Not only am I disappointed in how I have been treated as an consumer but the customer service has been disheartening. I have mailed my dispute to Experian via certified mail. With certified mail someone has to sign for it with date included. I received a receipt back dated XX/XX/2020 and SIGNED with a stamp. Which I have attached a photo of. I had called weeks prior to verify if the information was received I was notified it could take up to 10 business days to be received. I then waited longer to to verify the receipt of this information. When I called which to speak to someone can be very tedious ; I was hung up on not once not twice but well over 10X. Each time I called I requested a supervisor which was not only refused on serval occasions in addition to not one individual I had spoken to could verify that my information was even received. Despite that fact that I have PROOF it was not only received but signed for. Each time I was put on hold for several minutes and advised I could speak to someone in leadership call miraculously drops! I have still yet to have not only my documentation found but the disputes opened. I prefer to write letters to the credit bureaus and I am requesting to take this above the bureau. Since I have no luck in getting this resolved with the bureau. This is not how to treat consumers if so, Experian should be have complete new staff. Seeing Americans rely on credit to sustain life and if things are not correct on your report to be removed and/or investigated.

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 2022-12-02
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$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 explanation
Consumer complaint received 2022-02-08
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:
I was made aware of the fraudulent accounts and I was assured these items would be Deleted and Removed from my Credit Report I will attach yet again the Sheriff 's Card so that these items can be DELETED from my Credit Report. 
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 2022-12-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and Equifax must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I went online to pay a credit card bill from Capital One. I wrote in {$50.00}. I had about {$300.00} in my XXXX Checking account. For some unknown reason Capital One took the whole card balance of {$970.00} from the account. Since I have overdrawn protection XXXX just paid it and I was over {$600.00} in the hole. I immediately contacted XXXX and Capital One. My problem with Capital One is I talked to them twice. Both times XXXX different people said they had other customers with the same problem. During the second time I called my Banker at XXXX heard the Cap One rep say I was n't alone with this problem. I 'm then told it will take 5 business days to get my money back? Why? I have bills I paid that are now being flagged as part of the overdrawn and I 'm being charged {$36.00} for overdrawing on each of the transactions. 

I told my husband about the problem. He 's a former XXXX XXXX VP who worked for XXXX. He called Capital One. All he wanted to do is ask what they were doing to fix their problem. They wouldn 'd dicuss anything with him because he was n't on this account. So I 'm worte a letter to Capital One for an answer as to what they 're doing to fix the problem and why does it take so long to get my money back. Is n't that Fraud?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX of 2022, I filed a dispute with Transunnion Credit bureau about the unverified account : XXXX XXXX account # XXXX. In these months I have not received a notice in XXXX  days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

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 2015-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
capital one closed my acct, and then sent me an offer to come back. I accepted the offer and was sent a card. upon trying to activate the card i was transfered me to a rep who told me the acct was closed. Captial one is not honoring the new acct they begged me to come back to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Amsher Collection Services, Inc.
State: FL
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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, 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:
Account Number XXXX XXXX Acct # : XXXX Balance : XXXX XXXX. XXXX XXXX XXXX Acct # : XXXX Balance : XXXX XXXX. Dept Of Ed Acct # : XXXX Balance : XXXX 15 USC 1681 section 604 states rights to consumers privacy Reporting agencies can NOT furnish an account WITHOUT MY WRITTEN CONSENT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: Cascade Capital, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
ON XX/XX/2022 I GOT A LETTER IN THE MAIL FROM CASCADE CAPITAL FUNDING ABOUT A DEBT THAT I OWED AND I HAVE NO KNOWLEDGE OF

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate and questionalbe items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting act everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

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 XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 1 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 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 2022-02-08
Company: Trident Asset Management, L.L.C.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal XXXX XXXX XXXX also no medical release given and eligible to collect on debt per Section XXXX ( XXXX ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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: Experian Information Solutions Inc.
State: PA
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:
EXPERIAN CONTINUES TO REPORT INQUIRIES THAT HAVE A REMOVAL DATE OF XX/XX/XXXX. I HAVE ASKED EXPERIAN ON MULTIPLE OCCASIONS TO REMOVE THESE EXPIRED INQUIRIES : XXXX XXXX INQUIRY DATE XXXX REMOVAL DATE XXXX ; XXXX XXXX INQUIRY DATE XXXX REMOVAL DATE XXXX ; XXXX XXXX XXXX INQUIRY DATE XXXX REMOVAL DATE XXXX ; XXXX  XXXX INQUIRY DATE XXXX REMOVAL DATE XXXX. THE EXPERIAN APP AND MY CONSUMER REPORT HAVE FAILED TO UPDATE EVEN WITH ME CALLING. I RENEWED MY MEMBERSHIP AND THESE INQUIRIES HAVE NOT BEEN REMOVED. THEIR SYSTEM IS FAULTY AND I WANT THESE REMOVED NOW.

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 2016-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened a rewards checking account with Capital One and used it in large part because of the Rewards. Based on my usage, I had accumulated XXXX miles with effective value of {$120.00}. Capital One had promised " Miles never expire. '' Well, that is until one day I found out that my rewards balance was XXXX. I was told that the program ended and Capital One decided to take even the accrued rewards money away. I talked to a couple customer service reps, then went to the branch, but nothing helped. 

I find it as an Unfair and Deceptive practice to make me use their product mainly because of rewards and then evaporate the customers ' earned rewards one fine day. If I can not trust a bank to hoard my earned money ( rewards or otherwise ), who else can I? 

Additional Information : I moved from the XXXX to XXXX in XX/XX/2014. Capital One does not have the option to send communications to XXXX. It is possible they sent mails that I did not receive. I have not received any e-mail from them regarding this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-16
Company: DISCOVER BANK
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: Overcharged for something you did purchase with the card

Complaint:
I made a purchase with XXXX on XX/XX/2021 for a concert in the amount of {$120.00} and the transaction was charged to my discover card through XXXX. Later in the day, I received an email from XXXX that said : Hi XXXX, Unfortunately, we were unable to process your order for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX - Multiple Dates Available. If you'd still like to buy this XXXX, please double-check your payment information, then try purchasing again. If you're still having trouble, please view these XXXX XXXX XXXX. 
Thank you, XXXX XXXX XXXX I then proceeded to verify my payment information and made the purchase again. I then saw that I was charged XXXX. I contacted XXXX and they refused to reverse the transaction saying that it was against their policy to refund. They then gave me a credit, but I told them I wanted a refund because I only made the purchase again because they told me the first transaction didn't go through. So I made a complaint with Discover and now they are saying that the email is not sufficient. It's pretty black and white, I don't want a credit, I want the unauthorized charge removed.

Company response to consumer: Closed with explanation