BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Im the customer of Chase/XXXX credit card. I want to complain to their customer service department and request my refund. 

In XX/XX/2023, I called Chase credit card company to dispute a transaction {$250.00} on XX/XX/2023 about XXXX XXXX XXXX XXXX, as I just booked and stayed one night there on XX/XX/2023, but was charged twice on XX/XX/2023 & XX/XX/2023. Chase started to investigate this issue. But on XX/XX/2023, I got their letter that said they considered the transaction valid and removed the temporary credit issued to my account. They also sent me the proof, which was the two reservations they got from the hotel. Through the two reservations, everyone can see clearly those are totally different two reservations. Different guest name, different reservation # and room number..even different XXXX membership number. 

The next day I contacted their customer service again to complain this judgement. They agreed to reopen this dispute and sent me a letter on XX/XX/2023. 

Then I got their notice by mail on XX/XX/2023 that said they confirmed the transaction was valid. I called back again and complained to a specialist, was told that they would research this issue again and would give me an update within two weeks. 

On XX/XX/2023, my husband and I called their customer service, was told that this transaction was valid because this charge took place too long ago! 

Too long? If their customer service staff had been more responsible after receiving the reservations from the hotel in XXXX and reviewed the proofs carefully, how could this case have been delayed for so long? This is entirely caused by their irresponsibility. 

I am extremely disappointed with their service!!! 
I requested Chase credit card to refund the amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: FL
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:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: PA
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 is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-17
Company: ROBINHOOD MARKETS INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have given Robinhood so many chances over the last 2 years. Their customer service staff especially XXXX is absolutely rude and awful human beings. They will arbitrarily put restrictions on your account and takes 7/10 days to get the restrictions lifted. There was no fraud on my account. XXXX placed a restriction on my cell phone from accessing the app he placed restrictions on withdrawing or depositing funds all because he didnt like that I was upset and in a rush to get help trying to stop a XXXX transaction I initiated to the wrong account by accident. He purposefully took his time, would not even speak on the call and eventually hung up and cost me XXXX by wasting time. His supervisor said if I had been transferred just a little earlier ( XXXX just sat on the phone doing literally nothing, not even speaking for almost 8 minutes ) I would have been able to retrieve my money. They play with your money. If you get a large sum deposited, restrictions, if you ask for help, restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was contacted by Portfolio Recovery Associates LLC around XX/XX/XXXX or XXXX. They advised me of my unpaid debt with XXXX XXXX XXXX. I setup payment plans of $ XXXX  monthly. I then login in on the XX/XX/XXXXXXXX  and decided to except a discount payment plan. I paid it off entirely. It was a payment of {$2500.00} of {$5600.00} of debt owed. My concern is the age of the debt. It's from XXXX  or XXXX. Would I still owe debt this old or did I get scammed by Portfolio Recovery Associates LLC? What do you think?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had no Idea this even existed until recently my credit was pulled and i was notified, they never notified me I owed this, I paid it off and was told I would get a deletion letter and now they wont give it to me.

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 2022-10-08
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:
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX XXXX XXXX ; including any additional variations or appelation and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation, whoever that may be, and I depose the following facts, so be it, now present : Fact, in accordance to FCRA 15 USC 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1681c. ( a ) ( 5 ) Section, 15 U.S.C. 1681s-2 ( A ) ( 1 ) is intended to secure my right to privacy and my privacy has been breached.

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.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : # XXXX XXXX has violated my rights.

Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My Children place card, I open an account with from XXXXI have made purchases with this card from that time until XXXXNow all this time that I have all ways make my payments on or after, but I always make my payments on the account. My last purchase on the account was late XXXX or early XX/XX/XXXX for a boy Slippers for a vacation again I payed which would be the last time I used the card.Sometime in XX/XX/XXXX I started receiving payments statements from Children Place for purchases that was made on the card, I call customer service and let them know that I didn't make these purchases and close my account the card also which they assured me they did.After that I started getting calls about making payments, I kept getting purchases statements. I called and spoke to again someone different about what's going and they told me that are doing an investigation after they finish with it they will contact me. Someone contacted me some time in XXXX or XXXX I spoke to a lady, she was saying trying to figure out how I am going start making payments I told that I am not making no payments cause I did not make.going back and forth with she let me know that card was being used in a another state which I never been to. How I live in New York I have felt New York. Now am still getting still statements and they calling threatening from payments that I can't pay. I need help cause my information was stolen and used.and they won't calling me the XXXX XXXX was rude and that I need provided more proofs which I don't have all my proof is in my payments and how I purchases and used the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I only have one VICTORIA SECRET account and not two. I have a Victoria Secret account and a XXXX XXXX account. XXXX violates the consumer protection law by having two duplicate accounts on my credit report. I assume that when comenity sold the debt to XXXX XXXX XXXX they are also reporting me. These two account have different account numbers which I find extremely odd. This is FRAUD. Please see previous complaint regarding XXXX XXXX and Comenity Bank. I plan on seeking a lawyer and suing XXXX, Comenity Bank and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: CAPITAL ONE FINANCIAL 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:
The company violated FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-03
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For the last year I have been disputing the debt of XXXX auto insurance being collected by XXXX XXXX XXXX. Ive asked Experian to verify and send documentation, and each time I was told it was a valid debt. This of course was false as Ive stated! I had to contact XXXX  to get the email showing not only did I not owe them money they actually owed me..

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 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/2023 Ive called ( XXXX ) credit reporting agency.. well as ( XXXX ) credit reporting agency well as ( transUnion ) credit reporting agency Ive sent my drivers license social security card a bill from my home.. I cant see my credit score at all I been paying ( XXXX  ) for there services..they didnt update my credit score at all..Im trying to get ( apartment )..

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 2023-05-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for and 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 2016-03-01
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
NationStar Mortgage - XXXX, TX Mail : Notice of Error, Complaint, Request for Information or other Qualified Written Request Nationstar Mortgage XXXX. XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Web : MyNationstar.com This company took over my mortgage from XXXX and it has been terrible ever since. I have been fighting for resolution for almost a year and I 'm beyond fed up. 

XXXX 2015 the company took 2 mortgage payments from my account and caused over {$100.00} in bank fees! When I called I received multiple conflicting answers until I finally got my money for the actual payment, I have been fighting about the fees ever since. I have called, emailed, given feedback, and to no avail. I could go on and on, but I will bullet point my major concerns : *The reps are not well trained and give misinformation as well as conflicting responses. Sometimes they even act like you have n't called before! 
*I am told I will receive a callback after " further research '' and they do n't call back *After receiving the payment portion back I was told by a supervisor that I would see a check in the mail for the fees, but then it never came and now ( after speaking with several more people ) I am being told that I wo n't be getting refunded for the fees *The research department told one of the managers that I set up an auto-pay, which I did not, so I have asked for proof because they said they could see the IPs and they are refusing to send me documentation to take to a lawyer - which I ca n't afford in the first place - but I have asked several times for proof of this and told them I did not set up auto-pay because I do n't like giving up control of such a large chunk of my pay. I like paying it manually. 
*I consistently get " canned '' emails or letters that do not actually address the issue which furthers the frustration Struggling with this company has been the worst consumer experience of my life. I want to refinance somewhere else, but I know that once I am gone there really wo n't be a resolution to my issue. I am shocked at the terrible customer service, especially since I work for a financial institution myself ( investments and retirement ) and know how things should be done. This is just exhausting and really makes a person feel like the people at this company are crooks that are just taking advantage of people. Seeing all the bad reviews online only furthers my feelings and if I had been able to control the purchase of my loan, I would have told XXXX to never sell to Nationstar in order to protect their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-19
Company: Experian Information Solutions Inc.
State: SC
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 sent a copy of my Drivers license and mail to show my address but they will not move incorrect information and I will insert the laws that they are breaking form FTC, CFPBand NAAG. tHANK YOU FOR ALL YOUR HELP WITH THIS MATTER.

Company response to consumer: In progress
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation