BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-12
Company: JPMORGAN CHASE & CO.
State: TX
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 placed an online order with XXXX XXXX XXXX on XX/XX/XXXX. Immediately upon checkout I realized that my shipping address was incorrect. As soon as I noticed this, I called XXXX within 5 minutes of my order being placed to see if they could correct my order to ensure that the shipping address was updated. Because the order was just placed, the representative that I spoke with, decided to cancel my initial order and reinitiated my order with the proper shipping address. Unfortunately, it appears that the representative forgot to cancel my initial order, so I was then billed for both orders. I've filed a dispute with Chase related to my initial order of {$310.00}, since this order was never received. If this order was actually shipped, it was shipped to my prior mailing address in California. I no longer live in California and my updated order of $ {$270.00} was shipped to me at my current mailing address in Texas. 
I filed a dispute with Chase and they have determined that the charges were valid because XXXX has confirmed that the initial order was shipped to CA. Unfortunately, these are goods that I did not receive, so I'm looking for my dispute related to the changes of {$310.00} to be reopened and refunded as these are goods that I did not receive. I did receive my updated order in Texas so I agree with the charges of {$270.00}. 

I called Chase today ( XX/XX/XXXX ) to reopen this complaint and they shared with me that the only way that I can request for them to reopen this is to physically write a handwritten letter and physically mail or fax this to them. I do not have access to a printer and feel it is not reasonable to ask me to go to this length to ask for an additional review for goods that were not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Anything a credit card company tries to pull my Transunion credit report, it say that theres a freeze on my account. There isnt a freeze on it and Ive talked to at least 5 Transunion reps that said that theres no freeze and they dont know how to fix it.

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 2023-05-08
Company: Experian Information Solutions Inc.
State: NY
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 have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX  XXXX. Please remove this account in my credit file ASAP.

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 2021-06-18
Company: SYNCHRONY FINANCIAL
State: NY
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:
On XX/XX/XXXX of this year I applied for a loan from XXXX XXXX XXXX  XXXX because I wanted to purchase a home in Florida. It was then that I realized that Synchony Bank which is affiliated with Amazon Store Credit has sent the wrong information to the three credit bureaus ( XXXX, XXXX XXXX and XXXX ) stating that I am 120 days past due with this store account. This left a negative impact on my credit score and for the bank to give me the amount of money that I need to purchase a home. I have never taken out an account with Amazon.com store. After I got in contact with Synchony bank, I was sent a form to fill out my request and send back to the credit bureau specialisr ( XXXX XXXX ) This department received my letter of request on XX/XX/XXXX. Today, XX/XX/XXXX, I called Synchony bank at XXXX XXXX  to inquire about my request. A representative of the bank ( XXXX XXXX XXXX ) said that I should dispute my concerns with the Credit Bureaus. All credit bureaus said that I do not have an account with this bank. I am requesting your help in resolving this matter.

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 2021-06-18
Company: SYNCHRONY FINANCIAL
State: CT
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 got this items that does not belong to me and i want it to be remove from the 3 credit rpeorting agencies asap. 


1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft SYNCB/AMAZ  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

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 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have contacted the credit company about the false information that they were reporting on my reports. I feel that I am being taken advantage of and being bullied. The law clearly states that any false or inaccurate information must be removed immediately. I was never notified of any investigation. I will be forced to seek litigation if this can not be handled appropriately

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 1.XXXX XXXX Account # XXXXXXXX XXXX,2. XXXX XXXX XXXX Account # XXXX, 3. XXXX XXXX Account # XXXX & 4. XXXXXXXX XXXX Account XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Barclays collection firm, XXXX XXXX  XXXX : Firm File No. XXXX issued a court summons witnout stating the date of my court appearance. I have NEVER EVER DONE business with Barclays and NEVER EVER OWNED a XXXX XXXX and CERTAINLY NEVER EVER REQUESTED a XXXX. I have NEVER EVEN RECEIVED a statement from Barclays. This notification from the collection agency, XXXX XXXX XXXX is the first I've heard about it. In XX/XX/2023, I returned XXXX XXXX XXXX 's form letter stating that the amount quoted {$1000.00} is not my debt. I also telephoned the firm on 5 occasions : XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX -- 2 times ; Mon. XXXX. I have left numerous messages, which were never returned. I do not know whether this is a scam or not. I have been the victim of identity theft in the past, and this appears to be the same thing. Seniors like me are constant victims of scammers.

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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  Finance Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: PA
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 Account XXXXXXXX XXXX  XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A 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 Date Opened : XX/XX/2014

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 2023-02-04
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I experienced fraud transactions on my acct with us bank, several were credited back but others werent. I expressed to US Bank I didnt authorize the transactions because I have been dealing with a an illness thats required me to have treatment and at times Ive spent multiple days in the hospital. On XX/XX/22 a rep called me asking for me to send my medical paperwork to them if not they would reverse provisional credit. I informed her that it would take me more time and she said I needed to do it by end of day Ive been sick, my XXXX causes me to exp weakness multiple days of throwing up and Ive been in and out of hospital. I dont understand why US bank is asking me for my medical docs as my doc stated its a HIPPA violation, I expressed this multiple times to them and no resolution and I havent received my funds 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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 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 2021-06-18
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit 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 ALREADY FILED A COMPLAINT AGAINST HOME DEPOT ON XX/XX/2021 BUT SOME XXXX WHO FAILED TO PROVIDE THEIR NAME AND DIRECT PHONE NUMBER SENT A LETTER TELLING ME TO FAX BACK MORE INFORMATION WITHIN 10 DAYS. THE LETTER DID NOT SAY WITHIN 10 DAYS OF WHAT DATE AND MORE IMPORTANTLY I DO NOT HAVE A FAX MACHINE BECAUSE I DO NOT HAVE A LANDLINE IN MY HOUSE ( AS MOST PEOPLE DON'T ANYMORE )!!!!! WHY ARE YOU ALL SO IXXXX????? WHY WOULD YOU ONLY PROVIDE ONE WAY FOR ME TO PROVIDE INFORMATION????? WHY WAS THERE NO DIRECT POINT OF CONTACT WITH A NAME????? CUSTOMER SERVICE 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 2023-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I requested a balance transfer through my XXXX credit card who use XXXX XXXX as a third party. The balance transfer was approved and check was mailed by them to Capital One for the amount of {$7500.00} on XX/XX/23. Capital One deposited the check on XX/XX/23. The amount was taken off the Capital One account but later put back on saying the check was returned on XX/XX/23. I now have {$7500.00} on my XXXX credit card account and my Capital One account. I have spoke with both parties multiple times. XXXX states the check as cashed and there is nothing else they can do. Capital One states the check didn't go through. Each party says nothing else can be done so I now have the charge on each account. Capital One refused to reopen the payment investigation and asked I fax anything to their General Correspondence. I did fax them proof of the cashed check that XXXX sent me a copy of. Last person I spoke with at Capital One said that doesn't help because they did try to cash the check and that's all the proves, it's that the check didn't go through. When I reached back to XXXX they again stated the check was cashed and no further investigation can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-05
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAPIO PARTNERS LLC has reported to all three major credit bureaus ( XXXX, XXXX, XXXX ) on XX/XX/2018 prior to allowing me to validate this debt of {$880.00} which is a violation of the Fair Credit Reporting Act. Reporting of this debt to the credit bureaus prior to validation allows me to seek damages from the collection agency, which I intend to do.This company is practicting UNJUST ENRICHMENT, because reporting any invalidated information to major credit bureaus may constitute defamation of character. I have filed a complaint with XXXX, Georgia Department Of Attorney General, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: EQUIFAX, 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:
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 XXXX XXXX XXXX. 

has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2022-06-01
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I leased a car through XXXX, I returned the car and was charged {$2600.00} by XXXX, and this amount was taken out of Chase Bank account ( ending on XXXX ) on XX/XX/2022. This was an unauthorized transaction, and I reported it to Chase Bank, and they reversed the charges on XX/XX/2022. Subsequently Chase once again reversed the charges on XX/XX/2022, stating that XXXX had submitted paperwork claiming i owed them {$2600.00}. I have never received any information from XXXX on a claim. I whole heartily dispute the amount claimed by XXXX, and Chase bank has no right to debit my account without my knowledge or approval. I have a dispute with XXXX, and Chase can not act as the arbitrator or mediator. Therefore they should not have debited my account without my approval, this is not their dispute, therefor they should remove themselves from the dispute and return my {$2600.00} and allow myself and XXXX to dispute this amount through the proper legal channels. This unauthorized debit of my account emptied my account of ALL funds and overdrafted my account causing me to to be unable to pay any bills, rent, phone, food, any expenses whatsoever. Once again I would explore Chase Bank to return my {$2600.00} and allow XXXX and myself to pursue this matter through the proper legal channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have inquired and sent letters with the credit companies to investigate and delete the account and reporting and they have failed to do so every month for the last year. I have no recollection of opening that account. I requested the original bill of sale which they have failed to provide on several occasions. I have sent dispute letters to both the credit companies and the loan company. 
Balance : {$9200.00} XXXX XXXX : {$17000.00} They are providing me with numbers but failed to provide with a copy of my signature and a copy of the original bill of sale.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. Or permissible purpose to anyone to publish these accounts. 

I am holding them liable under 15 usc 1681n and 1681o for actual, statutory, punitive damages. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 

I want this account deleted immediately!

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 2022-06-01
Company: EQUIFAX, INC.
State: MS
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 Account # 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. 

1. XXXX  XXXX Account # XXXX 2. XXXX Account XXXX XXXX 3. US DEPT OF ED Account # XXXX 4. XXXX XXXX XXXX Account # XXXX 5. DEPT OF ED Account # XXXX

Company response to consumer: Closed with explanation