BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: JPMORGAN CHASE & CO.
State: ID
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: Card was charged for something you did not purchase with the card

Complaint:
WHAT IS THE ISSUE : Chase recorded a double charge of {$900.00} on our credit card on XX/XX/XXXX. The merchant that supposedly charged us the money was XXXX XXXX. Attached is the credit card showing the double charge and the invoice from XXXX showing only one charge. 


WHAT HAS BEEN DONE TO RESOLVE THIS : 1 ) I contacted XXXX XXXX XXXX did not show any double charge on our account and told me I would have to file a dispute with the credit card company. 

2 ) I filed a dispute with Chase online in XX/XX/XXXX noting the double charge. Chase contacted XXXX. XXXX provide Chase a receipt that Chase said proved that the double transaction was valid. 

3 ) I contacted XXXX XXXX XXXX with a copy of the receipt XXXX had sent to Chase. XXXX XXXX XXXX in response provided TWO separate emails explaining the codes on the receipt, what the codes mean AND specifically stating that XXXX ONLY charged our account ONCE. Attached is the second email from XXXX XXXX XXXX dated XX/XX/XXXX. 

4 ) I sent the emails to Chase via certified mail on XX/XX/XXXX. I supplied all the information and asked them to contact the person at the XXXX XXXX XXXX ( XXXX ) that had been working the case. Chase responded with a form letter. When I called Chase, they told me the time was up and they would not put me through to any manager. 

5 ) I went directly to a local Chase Bank for help. The Chase Bank contacted Chase Credit Card to reopen the dispute. They reached a Chase Credit Card Support Manager XXXX XXXX XXXX who said she would work the case. XXXX is no longer responding to the Chase Bank representative or to me via phone or email. Chase Bank says they do not have any leverage over Chase Credit Card division and that Chase Credit Card division can only be contacted via phone ; they could not give me Jessicas direct contact information. 

CONTACTS : Chase Customer Service; XXXX CONTACTS : XXXX XXXX ; XXXX XXXX ; XXXX XXXX  [ RE : Reservation ID : XXXX ] ; Customer Engagement Center ; XXXX ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Linebarger Goggan Blair & Sampson LLP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Linebarger Goggan Blair & Sampson, LLP is the law firm that is trying to collect an alleged debt from the city of XXXX. I have responded 5 times to the law firm asking them how and what will the city of XXXX or the law firm will take to pay this alleged debt. I am not an attorney so I can not make a legal determination so unless the law firm tells me I don't know how or what to pay the alleged debt. Linebarger Goggan Blair & Sampson, LLP should be liable to tell me how and what can be used to pay the alleged debt. Please see Title 31 section 3124 and Title 18 section 8. The law firm states they got the judge to sign a warrant because I won't pay. Not being an attorney I have several questions that the attorney firm should know, yet they refuse to answer. 

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry 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 2020-04-10
Company: Experian Information Solutions Inc.
State: CO
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:
I attended University XXXX XXXX  in XXXX and I was also apart of the military as well during that time. XXXX is reporting they disbursed loans to me in XXXX. How is that possible? The loans are false and not mine. They are reporting false information on my Experian and XXXX. I have sent identity theft report, method of verification letters, and still they will not comply with any law under the FCRA. This is not a duplicate message. This is factual and at this point I have no idea who to speak to, contact, or how much more proof do you guys need from me. How is a veteran owing student loans? When my whole mission for debt free schooling was to join the XXXX? Below I will prove the company doesn't disclose how they are performing their " research '' or why they are reporting false information. They do not have a physical signed document from me to even validate this debt belongs to me and it does not. So if you can't verify the information and answer the certified letters I have sent to you ; delete this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SEE ATTACHED DOCUMENTS

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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2020-04-10
Company: EQUIFAX, INC.
State: CO
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:
I attended University of XXXX in XXXX and I was also apart of the military as well during that time. XXXX is reporting they disbursed loans to me in XXXX. How is that possible? The loans are false and not mine. They are reporting false information on my XXXX  and Equifax. I have sent identity theft report, method of verification letters, and still they will not comply with any law under the FCRA. This is not a duplicate message. This is factual and at this point I have no idea who to speak to, contact, or how much more proof do you guys need from me. How is a veteran owing student loans? When my whole mission for debt free schooling was to join the XXXX? Below I will prove the company doesn't disclose how they are performing their " research '' or why they are reporting false information. They do not have a physical signed document from me to even validate this debt belongs to me and it does not. So if you can't verify the information and answer the certified letters I have sent to you ; delete this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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.

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 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 2021-03-25
Company: Firstsource Business Process Services, LLC
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've tried to settle the dispute amicably and have the itesm with XXXX XXXX deleted from my credit reports. 

I spoke with XXXX XXXX representative XXXX XXXX who disclosed on XX/XX/21 at XXXX that the account can not be reported to a credit reporting agency and payment or non-payment of the account will not affect my credit score. I have a voice recording of the XXXX XXXX official. 

The XXXX XXXX acounts are being reported negatively and the data is from XXXX  yeara go and is improper. 

I agreed to settle, in good faith one acocunt, but the XXXX, First Source refuses to delete the item XXXX its collector denote and clesr the item.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-06-20
Company: Experian Information Solutions Inc.
State: NC
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:
RE : XXXX PARTICIPATING IN IDENTITY THEFT XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX ( XXXX ) XXXX Hello, Again with a complaint against EXPERIAN, XXXX  AND XXXX  in regards to multiple account that are listed on my credit report under my name that are in fact erroneous. 
I will file suit against EX and all CRAs listing erroneous accounts under my name and social security number. 
XXXX, XXXX  AND EXPERIAN are all cohorts in knowingly publishing fraudulent account under Americans names without verification and authorization and my name just so happens to be on that list. 
This is the XXXX time I have made specific demands against this felonious organization to remove such information from my XXXX credit report to no avail. 
Again, this is a DEMAND to remove the following listed items without prejudice : XXXX XXXX : BAL : {$12000.00} XXXX XXXX XXXX-BAL : {$12000.00} XXXX XXXX XXXX-BAL : {$1600.00} As can be seen on my report, I have XXXX collections and per my history, all of my finances are paid on time. 
This CRA is an active participant in the destruction of the American Consumers credit rating and history. They are knowingly reporting information that is non-factual just because they can and will. 

I ahve opened a case with the Federal Trade Commission detailing such activity and have attached the report. This will also be sent to the respective Attorney general TO investigate this CRA! 

The following INQUIRIES will also be removed from my report, IMMEDIATELY without prejudice! 

XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, I-XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXTHE FOLLOWING RESIDENTIAL ADDRESSES WILL ALSO BE REMOVED FROM MY REPORT : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX CT, XXXX XXXX XXXX CT

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC16811 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to " ..promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me 15 USC 168 In & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
These Accounts have violated my rights according to FCRA : I demand the following accounts be verified or deleted immediately. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

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 2018-10-22
Company: Consumer Portfolio Services, Inc.
State: CA
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:
Consumer portfolio services ; are putting false info on my credit report. Stating I made a payment in XX/XX/XXXX when the last time a payment was made was in XX/XX/XXXX. The amount is incorrect and they are trying to extend the legnth it stays on my report. It is due to come off my report and they have now sold it to another company with false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: Credit Control, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A purchase was made on a XXXX 's credit card approximately four years ago. The purchase was in the amount of about {$40.00}. The charge was paid by personal check through the mail, and did not get posted to the account until several days after the due date. This resulted in a late fee which was more than 50 % of the original purchase. Negotiation attempts were made to settle the fee with no success. The credit company continued to bill the late fee while adding additional fees and interest on top of the fee ( not the original purchase amount ), which ultimately reached an amount of {$310.00} as the balance stands today. The amount trying to be collected is now with a credit agency, Credit Control , LLC. They are requesting a settlement amount of {$140.00}, but again, the original purchase was paid in full which was just {$40.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made consistent and timely payments to both cards, from my Checking Account with the same company. 

The online webpage ledger for the checking account would show sufficient balance to make payments to the two cards ( same company ), yet the last 3 times, the payments failed. 

The failed payments do not show as transactions. 

When I called to complain, the woman said I could not rely on my online webpage, but that I needed to also consult emails and SMS texts!! I complained that that was not transparent. 

When XXXX tried to make charges and then refund, none of them showed the next day. 

They closed the credit cards. She said there could be no Appeal process. The other card is a {$99.00} Secured Card. I had one since XXXX and the other since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: CarMax, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX was the first time claimant responded to statements and letters of debt via certified mail number XXXX XXXX XXXX XXXX XXXX. The contents of this letter included a fair notice, coupon/money order from statement dated XX/XX/XXXX, and a notice of liability fee schedule. All the items were accepted via a signature from an authorized agent of the company. The amount the statement was for the total balance of {$18000.00} USD, which I endorsed with my signature in order to make it a negotiable instrument. To my knowledge that makes any " debt '' claimed by CARMAX AUTO FINANCING to be offset, discharged and or paid off. Despite my lawful actions to settle this debt, I was still being harassed by agents of the company via phone calls, emails, and letters threatening to take my private property. Claimant sent two more letters dated XX/XX/XXXX, and XX/XX/XXXX informing CARMAX AUTO FINANCING that per 15 U.S. Code 1692c which states that without the prior consent of consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. These notices also informed the company that I am not a statutory person and I Am in fact a Private person. Article 1, section 10 of the constitution clearly states " All debts shall be payable in gold or silver coin ''. So seeing that I have never been officially " paid '' ( silver or gold ) before, how is one expected to pay any debt? All notices sent to CARMAX AUTO FINANCING requested that the company provide proof that I am in fact an agent of CARMAX AUTO FINANCING who took an oath of office and is or was performing the duties of that oath. I never qualified for the loan in the first place according to Title 26 U.S. Code 2701.

Company response to consumer: Closed with explanation