BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-16
Company: JPMORGAN CHASE & CO.
State: SC
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:
On XX/XX/2018 I was notified by Chase that a charge of {$120.00} ( approx. ) for XXXX XXXX was attempted on my account but it was not authorized by Chase. Another charge on XXXX XXXX for {$330.00} was allowed and posted to my account. Chase asked if I made this charge and I responded that I didn't. A fraud report was submitted. 

In XXXX I was informed that Chase determined that I was responsible for this charge. I requested a repeat review of the charge. 

The charge was made by phone for a ticket from XXXX XXXXXXXX to XXXX XXXX. 

Chase requested that I prove my whereabouts on that day. I submitted a copy of my time sheet proving that I was at work in South Carolina until XXXX XXXX that day. 

On XX/XX/2018 Chase sent a letter that again determined that I was responsible for the charge. When I called them I was told by an agent named XXXX that one of the factors that led to their decision was the fact that I was in Florida in XXXX. I was in XXXX Florida from XX/XX/XXXX to XX/XX/XXXX. I took XXXX from XXXX to XXXX. 

Again, i was asked to submit my information regarding this dispute. I had to email it to a supervisor named XXXX XXXX ( XXXX ) because XXXX was not allowed to receive emails. 

It is quite obvious that the fraud department of Chase did not even call XXXX XXXX to get details because when I spoke to the airline representative he told me that the ticket was never used! And yet Chase made me prove my whereabouts and made a determination based on my being in Florida in XXXX! Their reasoning is illogical. 

Also, according to the letter of XX/XX/2018 the transaction was posted on XX/XX/2018. As you can see from my statement it was posted on XX/XX/2018- a minor discrepancy, but one that adds further fuel to the fact that the Chase fraud department is ineffective, incompetent, and possibly complicit in fraudulent charges. 

Note : This charge was accrued under the name of the joint account holder

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: NY
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:
To Whom It May Concern, I am writing to bring to your attention significant inaccuracies in my credit reports that require immediate attention and correction. I have diligently disputed these discrepancies multiple times, yet they continue to be reported as verified, which is in direct violation of the Fair Credit Reporting Act that mandates accurate reporting. As per the law, you have 15 days from the receipt of this letter to investigate and rectify the discrepancies as outlined below : Account name : XXXX Account Number : XXXX ( Experian )/ XXXX ( XXXX ) Account Type : Revolving Account Type - Detail : Credit Card Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX ( Experian )/ XX/XX/XXXX ( XXXX ) XXXX : {$690.00} No. of Months ( terms ) : XXXX High Credit : {$840.00} ( Experian )/ {$0.00} ( XXXX XXXX XXXX XXXX : {$500.00} Past Due : {$690.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX ( Experian )/ XX/XX/XXXX ( XXXX ) XXXX Last Active : XX/XX/XXXX ( Experian )/ XX/XX/XXXX ( XXXX ) XXXX of Last Payment XX/XX/XXXX It is evident that the information being reported on my credit report is both inaccurate and damaging to my creditworthiness. I urge you to thoroughly investigate this matter, contact the creditor in question, and ensure that the information is corrected to accurately reflect the status of this account. I have attached supporting documents that validate my claims and demonstrate the discrepancies between the reported information and the accurate details. 
Furthermore, I request that you provide me with a written confirmation of the actions taken to rectify these inaccuracies once the investigation is complete I trust that you will treat this matter with the urgency and seriousness it deserves. Failure to comply with the Fair Credit Reporting Act 's guidelines could result in legal action. I appreciate your prompt attention to this matter. 
Sincerely, 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 2023-08-09
Company: EQUIFAX, INC.
State: CA
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 : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2022-08-16
Company: Larsen & Associates, P.L.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Please accept the attached segments of the 39 page complaint with exhibits. 

This matter requires a substantial investigation. The information provided supports inappropriate activity by a lawyer/collection firm who MAY be a part of a larger scam preying on elderly. 

This also involves a property management company XXXX XXXX who has admittedly partnered with XXXX. These 3 entities have : -Solicited me to auto pay through XXXX XXXX have issues that the automated structure fails, generated penalties and then goes to collections who charges thousands of dollars instead of resolving the problems ( requested numerous times ). 
-After the collector arranges for the XXXX to NOT ACCEPT payments, despite the automation was not functioning, can not accept even manual payments, the collector alleges that no payments can be made to the association as will not be accepted yet does. 
-After the system would not accept payments, I did as advised and generated paper payments and paid months in advance. I then posted payment through the end of year XXXX and further posted annual payments to generate in XXXX for XXXX. 
-The collector apparently has attached my property and potentially blemished my flawless credit, stating that I have not made payments. I HAVE included the statements to prove payments are made in full, NOT paying the alleged late fees and legal fees. 
Both of my XXXX and XXXX attorneys have told me this is a scam. I have provided 9 hours of work TO ORGANIZE these attachments. 

IMPORTANT... There is a statement from XXXX admitting, " the management requested that the properties be blocked and that they were blocked effective XX/XX/XXXX and XXXX. THE PROPERTY WAS ACCEPTING PAYMENTS IS CORRECT, UNTIL THE RESTRICTION WAS PLACED LATE XXXX ''. This in itself quashed the collectors allegation and encumbrance. 

I STRONGLY believe that this is premeditated and structured to take advantage of the citizens of which are mostly elderly. I noticed that the collector handles such enormous money that they are required to be audited frequently. I do not recall where I read this.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: NV
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:
Please help me resolve this issue my rights have been violated my rights Please remove the following : XXXXXXXX XXXX ( closed account ) XXXX *Jpmcb card service ( closed account ) XXXX *Capital XXXX ( hard inquiry ) XXXX * XXXX XXXX bank ( closed ) Ways they have Violated consumer Rights/Law XXXX. 15 USC 1692b Acquisition of location information Not to communicate by postcard not to use language or symbols of any envelope or in the content of any communication affected by mail or telegram that indicates that there was a debt collector is any debt collection of debt XXXX. 15 USC 1692c Without prior consent of consumer given directly to debt collectors or express permission court or complaint jurisdiction a debt collector may not communicate with the consumer and connection of collection or debt XXXX. 15 USC 1681 section 2 Consumer can not furnish account without written permission XXXX. 15 USC 1681 section 602 Rights to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I called the company last week after repeated phone calls at all hours of the day - many before   XXXX   XXXX  .     They told me what the debt was and I said that I had no instance of this being something I owed - it was for service I never had. They told me to submit a letter arguing the debt. Which was a week ago today on  XXXX  when this phone call happened.     Today I got a concerned phone call from my mother saying they had called at the specific number looking for me. A few weeks ago I received a call from my uncle saying that the company was looking for me as well.     I do n't have the phone records tonight from my mother, but I can get her those as well as those of my uncle who also received harassing calls. And I will gladly publish mine - including my calls to them.     And the names of all that I spoke with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
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 15 USC 1681. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2018-09-17
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
TO WHOM IT MAY CONCERN AT CHASE BANK ' I AM SENDING IN A NEW PIECE OF EVIDENCE RECORDED TODAY AT MY MOTHERS HOME, XX/XX/XXXX TO PROVE I WAS AUTHORIZED TO TAKE MONEY FROM MY MOTHERS XXXX XXXX XXXXXXXX ACCOUNT AND ANY OTHER ACCOUNTS FOR THAT MATTER WHEN SHE WAS CRITICALLY ILL DURING THE MONTH OF XX/XX/XXXX THROUGH XX/XX/XXXX. 
YOUR BANK IS STILL HOLDING XXXX CENTS OF MINE FROM ACCOUNT XXXX AND XXXX. 
THIS ATTACHED RECORDING MENTIONS THE CLAIM NUMBER, XXXX  XXXX XXXX BY NAME AND MY MOTHER SAYING IN HER OWN WORKS SHE TOLD ME TO TAKE THE MONEY FROM HER XXXX  XXXX XXXX ACCOUNT. ACCORDING TO XXXX XXXX XXXX ONLINE DISCLOSURE POLICES AND RULES, THAT MAKES ME AN AUTHORIZED USER. ALSO OF COURSE SHE GAVE ME HER USER NAME AND PIN NUMBER OTHERWISE HOW I WAS TO TAKE THE FUNDS OUT FROM HER ONLINE BANKING. 
THIS WILL CONCLUDE THE UNEQUIVOCAL EVIDENCE TAKEN TODAY, FROM MY MOTHERS OWN WORDS. SHE ALSO SAYS SHE NEVER SENT BACK THE FORMS TO XXXX XXXX XXXX, AND I SAW THAT MYSELF TODAY AS WELL. 
THEREFORE, PLEASE CONCLUDE YOUR INVESTIGATION AND RIGHTLY RETURN MY FUNDS IN FULL TO ME ASAP. HERE IS THE AFFIDAVIT I SENT TO XXXX XXXX XXXX AND THEY MUST ALSO COMPLY WITH THEIR RULES AND POLICIES AND HONOR THE EVIDENCE HERE FROM MY MOTHERS OWN VOICE. WHICH I HAVE BEEN TELL YOU AND THEM ALL ALONG AND ALSO SUBMITTED OTHER RELEVANT EVIDENCE PREVIOUSLY TO YOU AND XXXX XXXX XXXX. XXXX XXXX XXXX IS OUT OF LINE TO MAKE ANY RULING AGAINST ME. I SPOKE WITH AN ATTORNEY AND ALSO LET HIM LISTEN TO THIS RECORDING TONIGHT FROM MY MOTHER AND HE SAID THIS SEALS THE CASE IN MY BEHALF AND PROVES MY INNOCENCE FROM ANY WRONG DOING. IF I NEED TO GO TO COURT IN A CIVIL HEARING ON THIS I WILL. I HAVE DONE NO WRONG DOING AND CHASE SHOULD RESTORE THEIR RELATIONSHIP WITH ME AGAIN. 
XXXX XXXX XXXX 'S DISCLOSURE STATEMENTS REGARDING THIS ISSUE BELOW>>> -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- B. Limitation of Liability for Online Banking Transactions : When you give someone your Online Banking ID and passcode, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
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:
On XX/XX/29 I purchase 4 flight tickets totaling {$790.00}. Next day I called flight company to cancel one since this person couldn't make it to flight. Company refused to cancel. I contact American express to see which were my options. They said they would open a dispute for one ticket to be canceled. They didn't notify me of the findings days after. They just sent me a letter for a survey of the dispute that was already closed. I contacted amex to see the ending of dispute and they said it was on flight company 's favor. I called flight company and they said. They said my tickets were canceled due to amex saying transaction was not recognized ( I never said I did not recognize transaction [ i only wanted to cancel 1 ticket ] ) I called amex and they said they needed proof it was cancelled. Finally I got proof the whole transaction was canceled {$790.00} flight company sent me a letter. Amex made me write down additional letter with details. I did and included letter from flight company that states the transaction was canceled and still amex went ahead and charge me for that transaction that had been canceled. They are still charging me {$790.00} and they refused to solve my problem ignoring the fact that transaction was cancelled a month before " departure date '' and even flight company sent me a letter, Which was originally requested by amex and now still amex is charging me for a service that was completely cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 15 U.S. Code 1681n - Civil liability for willful noncompliance which states : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

According to my reports on XXXX, XXXX and Transunion, they were all in violation of these terms.

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 2019-05-09
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to XXXX XXXX in XX/XX/XXXX and assist to a metting for timeshare with XXXX XXXX, they made us an offer of XXXX points per year that we could use for Vacations at any place USA or National The Hotels or Resorts for {$8500.00}. When we made the first Payment we where available to see the value of the points. What they have available are for XXXX points per night ( with the original cost of {$75.00} - {$100.00}  regular price for public ) in Three Days the XXXX points will be gone, is a fraud we have to make payments of $ XXXX  monthly {$1500.00} per year plus like {$600.00} taxes per year total cost per year {$2100.00}  my husband and I where thinking in somenthing nice they show us a beutiful Resort in XXXX XXXX. When we try to look for our vacations nothing is true with the only options that we have are worth like {$300.00} and they still charge other fees. They are a scam How is posible that they want us to pay more than {$2000.00} dollars for something that we could pay for {$300.00} or less and only when they have something available. Plus they used our information for a Credit Card they never tell us That we where applying for a credit Card. XXXX/XXXX XXXX check our Credit with OUT our ahutorization for Credit card ( BARCLAYS BANK DELAWARE ) in XX/XX/XXXX. And they Check my CREDIT again in XX/XX/XXXX ( XXXX XXXX XXXX ) I never ahutorized that. I TRY to CALL them the phone that they Have is incomplete the same for the credit Card I have no Idea how to talk to them. Could you Please help me. 
I freeze my Credit and I change my Accounts numbers

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of this information was also mistaken, fraudulent or perhaps even possible identity theft. 
These are clear violations of my federally protected consumer rights.

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 2017-05-03
Company: CrossCountry Mortgage LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My complaint is about a mortgage application and closing. During the home purchase process, i applied couple lenders and was informed that due to my visa status, i was only eligible for an FHA loan.I got approval from the  Cross Country  loan company for my home purchase and i submit all required information and documentation. I informed C ross Country about my visa status and submit  all related legal documents too. After their approval on  XXXX   XXXX    XXXX  , i continued with the purchase process, paid for inspection, paid {$450.00} to  Cross Country  for appraisal. Closing date scheduled was  XXXX   XXXX    XXXX   and on  XXXX   XXXX , i was informed by my real estate agent that there was a problem with my loan. Cross country then disclosed that i was ineligible for an FHA loan due to my visa status, just 2 days before closing date. After a research and discussions with other lenders, i found out that i was actually eligible for the loan. I paid {$1000.00} additional earnest money and extended the purchase contract, transferred the loan to another lender,   XXXX   XXXX   XXXX  . We also transferred the appraisal from cross country but we were unable to use it therefore i paid for the appraisal again. Not to mention inconvenience about my other arrangements for moving, my current rental place and costs associated with those. Eventually, as of today  XXXX / XXXX /  XXXX  , i got the loan from  XXXX  and successfully purchased the property.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation