BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: JPMORGAN CHASE & CO.
State: MI
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 have made a transaction using my Chase Freedom Credit card to purchase a flight ticket on XX/XX/2023. Later, I have decided to change the flight ticket date and tried to contact the Merchant but XXXX  never responded. There is an option in their portal to request cancellation and XXXX  will let me know whether I will get the refund or not. But they have canceled my ticket without my approval or confirmation. They have given me {$10.00} of refund out of {$670.00}. I have tried to reach to XXXX but they never responded to me. 

I have disputed the transaction with Chase company and submitted the required documentation. Chase team keep denied my dispute and they did not provide any response. They keep providing me the reason that my transaction is valid and can not issue credit. I have contacted them multiple times and they ask me to submit the documentation every time I call them. I have re-opened claim for 6 times in past 3 months but they keep giving me the same reason. Today, they told me that the timeline has already passed the timeline and they can't issue credit for my transaction of worth {$660.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Double Diamond-Delaware, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I am writing this email with so much stress and so much pain going through this land process with this company. I was sold this land under false pretense. I complained several times that I am no longer interested after finding out it was all a scam all along. I was sold a land worth {$19000.00} for {$49000.00} and after several attempts to reach the company, their office phone and address, all to no avail. Several other of my friends experienced the same thing. The company double diamond scams people and sadly I happen to be one of them. I paid for over a year, because I had added my payment to autopay. They didnt have any support or customer care I could reach when I needed help, I told them several time I dont want the property anymore because of the scaming theyve been doing. I called the credit report to report it earlier this year but I was told to wait until it posts under my report.

Company response to consumer: Untimely response
Consumer complaint received 2015-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My complain is with Transunion on why they allowed this company to do a hard inquiry on my credit report. I have tried to contact the with the company information that was on my credit but got a recording telling me to leave a message with XXXX XXXX but know response. I also follow up with certified letter on XX/XX/2015 requesting this company to contact Transunion to remove the hard inquired. I have not requested a loan, mortgage, or anything other credit transactions with this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I wrote credit control  asked them to validate my debt along with signature page they never answered me and then sent me a bill I sent them another letter they did not answer me I did not give no one permission to disclose my medical information the company is credit control XXXX XXXX XXXX I no under the Fdca and hippa laws they need my written signature to disclose my information so this company violated my rights what can I do now sue. Thanks XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

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 2019-09-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from the mortgage company stating that I could cancel my PMI insurance once my loan reached 80 % loan to value, or they would cancel it for me without me having to submit any paperwork or appraisals once the loan to value reached 78 %. i called and spoke with multiple people who confirmed this. They did not cancel my PMI when they were supposed to, and i called them a few months after it should have been cancelled and asked them to cancel it and provide me a refund for the months that i paid it and shouldnt have. they promptly cancelled it as of XXXX, but i still have not received my refund. i have called them multiple times and i am told they would have someone review it but they never do. in XXXX, they told me to email payment inquiry, and i did that and received an automated response that they would respond to me in 2 days and i never did so i emailed it again and still have not heard back as of XX/XX/XXXX. i called again on XX/XX/XXXX and spoke with XXXX, a supervisor and he told me that they would not have cancelled the PMI on their own because my loan was not 5 years old. nowhere on the letter or any of my mortgage documents does it say this so i told him that is unfair business practices and that i would still like a refund. he said to email them on their website and direct it to the PMI department and i did. it has been over 5 business days and i have not received a response from them even though the automatic reply says they will respond in 5. i called again today to check the status and i was told that nobody even works in that department. so who was going to issue my refund or respond to my emails?

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 2018-08-31
Company: JPMORGAN CHASE & CO.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Paid {$2000.00} ( XX/XX/XXXX ) for a property rental to a Chase Bank account customer XXXX XXXX XXXX Account No : XXXX Routing No : XXXX. The Chase bank customer was not the owner of the rental property and was confirmed by local authorities as a criminal/fraud. Upon my discovery of the fraud, I immediately contacted my bank to inform them of the criminal activity. My bank charged me {$110.00} for a routine recovery request and contacted Chase. Chase 's response was there were insufficient funds in the account for the recovery. 

Chase Banks failure to have adequate policies and procedures in accordance with the Bank Secrecy Act ( Anti-Money Laundering Act ) has resulted in a financial loss of {$2000.00}. Local authorities have confirmed this criminal has repeated this transaction on multiple occasions. Chase 's lack of compliance with Customer Identification and Know Your Customer standards has directly resulted in a {$2000.00} financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Previously had TD Business Checking and Credit Card Accounts from about XXXX to XXXX with my own LLC business. 

Went well for several years, but ultimately filed for XXXX XXXX  bankruptcy in XXXX, and TD Bank Business Credit Card was included. 

Now newly employed and with a steady paycheck, I applied for a Personal Credit Card with TD Bank last week. Yesterday I received a letter stating that I was not approved due to " DELINQUENT PAST OR PRESENT CREDIT OBLIGATIONS WITH TD BANK, NA ''. 

I called and asked exactly what this meant, and was informed that despite exercising my right to file for bankruptcy in good faith under the Consumer Credit Protection Act, TD Bank did not consider my past credit obligation discharged. I was again told that my application was denied. 

The federal Equal Credit Opportunity Act strictly prohibits creditors from discriminating against credit applicants on the basis of ( among other things... ) : " or because the applicant has in good faith exercised ANY right under the Consumer Credit Protection Act. '' Bankruptcy was a difficult decision, and I am not proud of that. However it is illegal for TD Bank to hold that against me and deny credit out of spite. 

In addition, while I hope to never have to go through that again, I am completely forbidden from filing bankruptcy again for three more years. I'm a safe-bet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: TN
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX 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.

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 explanation
Consumer complaint received 2023-10-24
Company: PNC Bank N.A.
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XX/XX/XXXX I decided to close my certificate of deposit as well as my savings account at PNC Bank. They told me that they would send me 2 checks, one with my deposit certificate balance of XXXX USD and another with the savings account balance for XXXX USD. In the month of XX/XX/XXXX I received the check for XXXX USD and I never received the check for my certificate of deposit. 
In the month of XX/XX/XXXX, XXXX XXXX contacted me to tell me that my check was stolen and that they would open an investigation and return my money, the case is XXXX. I have spoken for 10 months with different people and no one gives a XXXX. a solution, the last contact was on XX/XX/XXXX with XXXX XXXX Executive Client Relations which told me that it would contact me and it has not happened. I demand my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: ERC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received online notification from all three credit bureaus on that ENHANCED RECOVERY COMPANY place a Collection account on my credit report in the totals of {$63.00}. I do not have an account or agreement with. ENHANCED RECOVERY COMPANY. ENHANCED RECOVERY COMPANY violated the FACTA section 623 ( A ) ( 7 ). They did not properly notify me by mail before placing a negative item on my credit report., and allow me to dispute the validity of this debt. This debt can not be validated, I do not owe this debt. I dispute the validity of this debt and it should be deleted from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: AMERICAN EXPRESS COMPANY
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:
This is linked to prior dispute which was then resolved but has resurfaced : CFPB Complaint ID : XXXX I had received {$200.00} statement credit on XX/XX/XXXX as per the letter enclosed ( XXXX, XXXX XXXX XXXX ). 

Separately, I had made a new booking on XX/XX/XXXX with Trip ID : XXXX. 

On XX/XX/XXXX, I cancelled a booking ( Trip ID : XXXX ) and was then charged {$200.00} on XX/XX/XXXX. Upon calling American Express Travel, they noted that the {$200.00} XX/XX/XXXX charge was because a statement credit was given to me on XX/XX/XXXX. I tried to explain to them that the XX/XX/XXXX statement credit for {$200.00} should not be linked to Trip ID : XXXX, rather it was a resolution for CFPB Complaint ID : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: CCS Financial Services, 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 status incorrect

Complaint:
On XXXX paid ccs in full for removal. XXXX has removed it XXXX has removed XXXX has not it has been disputed many of many times in XXXX XXXX has not looked into dispute because it would have been removed

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This matter was already resolved after my complaint with cfpb then XXXX added the incorrect information back on my credit report. 

XXXX a.k.a. XXXX XXXX  falsely reported two late payments. The payment in XXXX was NEVER late. 

I paid two payments in XXXX, one prior to my due date and the second to pay off the balance in full.

Also, it stays the payment status was over 30 to -59 days late. Completely FALSE statement.

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 2022-12-14
Company: Experian Information Solutions Inc.
State: AL
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
There are multiple accounts on my report I do not recognize

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 2022-12-14
Company: EQUIFAX, INC.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I tried to do a transaction with moneygram to send money from my XXXX card. I was sending money from my XXXX Card to my personal bank account in the amount of XXXX on XX/XX/2020. I get a email that the transaction has been completed than another that says its been canceled. I called MoneyGram and they stated the transaction was canceled due to my information not matching which was a lie. I was then told it because my bank declined the transaction and my bank stated they have no reason too. I was supposed to have a major XXXX on XX/XX/XXXX and Im unable to because I didnt have my payment made. I need my money back ASAP please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: John C. Heath, Attorney at Law, PLLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XXXX XXXX stated they would help improve my credit score and for nine months I paid XXXX dollars and my score did not improve and every time I sent an email requesting to speak to someone they would send me a boiler plate letter staing their method is proven and it takes time. I did what they said by sending them the responses and nothing was done. They never sent me a copy of the letters they were sending per my request so I dont know if they did anything or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: TekCollect Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TEK-COLLECT INC XXXX XXXX XXXX XXXX DBA XXXX   XX/XX/2018 {$320.00} {$320.00} XXXX XXXX XXXX XXXX, OH XXXX  ( XXXX  ) XXXX this not my account i haven't been to this Dr. in 6years this is a blatant re-attempt to put this back on my report as, it was already removed from my report previously

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation