BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23 I made a withdrawal from my account at Chase Bank in the amount of {$100.00}. However, immediately after I left an additional {$900.00} was taken from my account via an additional XXXX transactions, taking the account to very nearly {$0.00} or as close as the standard withdrawal amounts would allow. 

Upon discovery of the missing funds I immediately contacted XXXX and requested a new Debit/ATM card and that they investigate the theft. I was sent a new card and given a temporary credit for the amount stolen. 

A few days later I was sent XXXX letters from XXXX. XXXX saying the temporary amount had been added to my account and another saying they completed research on the fraud and found that " the transactions were processed according to the information you provided or was authorized. '' Ostensibly saying that I must have authorized the withdrawal because the information I provided was used. I suppose this means the withdrawal was made using my PIN number, but no evidence was given nor further explanation offered. 

I called XXXX again, upon receipt of these letters. Asking that they, again, review the theft. Sharing this time that 1 ) I unequivocally did not authorize the withdrawals and 2 ) believe my loss in cases of theft is covered by multiple pieces of legislation and at a minimum should be maxed at {$100.00} 3 ) that they would find if they checked the lobby cameras that someone else must have accessed my account through the same terminal or at a minimum that I was not the person who did 4 separate transactions at the same time. The representative said they would open a new investigation. 

XXXX weeks later, on XX/XX/XXXX I received XXXX letters from XXXX with the exact some information from the first investigation. One letter saying that I was given a temporary credit and another saying the temporary credit would be taken back because " the transactions were processed according to the information you provided or was authorized. '' I did not authorize these XXXX withdrawals and I can not afford to lose {$900.00} at this moment in my life. It is unacceptable that a massive, international financial institution can not protect its account holders in this minimal way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXX XXXX XXXX XXXX marked my account as late when my account is on autopay sent communications to transunion, XXXX   XXXX  and XXXX XXXX XXXX XXXX. this resulted in me being turned down for credit.

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 2020-08-11
Company: CNG FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and ( Original Creditor : XXXX XXXX XXXX XXXX  ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: MD
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-22
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: IL
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: GOLDMAN SACHS BANK USA
State: WA
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 provided a legitimate XXXX drop off receipt showing that I returned the 2 items in the order I disputed with Goldman Sachs Apple Card against merchant babylist for order XXXX. Babylist claimed that the items were not returnable but according to their return policy they are for up to 9 months and also I have an email where they CONFIRM processing my return request so it was returnable in fact. My XXXX  drop off receipt I provided shows the items I returned XXXX the prepaid return label they gave me and they weighed 75 pounds. This is for dispute XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-06
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account Name : HWARFIELD ( Hunter Warfield ) Account Number : XXXX Balance : {$6100.00} This letter is a formal complaint against Hunter Warfield, a collection agency located at XXXX XXXX XXXX XXXX XXXX FL XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 

A debt validation had been requested from them n XX/XX/2021, I have not received any sufficient proof that I requested and they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 non-monetary relief
Consumer complaint received 2023-01-21
Company: DISCOVER BANK
State: NY
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/XXXX I mistakenly submitted my account number of Discover Card which had not been activated. ( I have two accounts ),. Immediately an email was sent stating, the '' CARD WAS DECLINED BECAUSE IT HAS NOT BEEN ACTIVATED. '' Before I could make an adjustment, Discover Company charged the amount of {$54.00} to my account without my authorization or activation! 
I've made several calls to the company and each representative had a different story as to why the purchase went through despite the card not being activated by me. 
In my effort to get this rectified, I wrote on XX/XX/XXXX stating my dispute. 
XX/XX/XXXX I received an email stating they were not at fault and the {$54.00} would remain on my account. 
While still disputing, XX/XX/XXXX, I paid the amount in full only to avoid late fees or interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Our 2nd mortgage was transferred to Shellpoint at the beginning of XXXX, 2020. I sent in a check payment to the address provided. The check was cashed by Shellpoint but not credited to our account. It took over two months to rectify this error. I made two payments in XXXX just to be sure that we would not be 'late ' on our payment. In the meantime, in early XXXX, we received a letter stating that we would be put in the 'Forbearance Program ' unless we responded. We did respond by phone and were sent a letter stating that we had declined the program on XX/XX/XXXX ( see attached ) and that they had fixed the payment recording error. I thought that would be the end of it. In XXXX, we attempted to refinance our mortgage, only to find that we had been placed into forbearance without our consent, and this had been reported on my husband 's credit report. We have called multiple times this past month and are also having IT issues and can not access our Shellpoint account. IT reached out after two weeks but we missed the call. After a month, we have yet to receive a letter stating the error and nothing has been corrected on our credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital One denied speaking to me when I have voice recordings of me speaking to a rep who advised that the late payments would be dropped since I'm experiencing financial difficulties due to Covid-19. Capital One referenced a bankruptcy in the previous complaint which is irrelevant information and only ployed in the response to try to justify character of default. In response I have submitted documents showing that Capital One has also been affected by the pandemic and had to close down most of the brick and mortar 's to compensate for today 's economy which is why they should further understand the position that I am in. Making me go through great measures to obtain Covid-19 protected status should not be as I am a loyal customer. Capital One has also been affected by XXXX this year resulting in XXXX customers data breach the company has also lost {$190.00} XXXX in revenue as Capital One it's self is going through Covid-19 hardship in 2023. Last year Capital One did the same thing and inaccurately negatively affected my credit even though I spoke to a rep, after going through great measures Capital One admitted to the wrong doings and ultimately removed the late payments.I am not sure if Capital One is unable to see my records of speaking to them because of a data breach but the late payments need to be removed as per their Covid-19 protocol service should be fair across the board if not then it can be viewed as discrimation which is a violation of my customer rights per ECOA Regulation B is currently reporting to all three credit agencies XXXX, XXXX and XXXX both XX/XX/2023 and XX/XX/2023 late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: LoanCare, LLC
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
LoanCare admittedly forgot to pay my homeowners insurance and after we straightened it out, they still deducted another premium ( double what my premium is ) on top my my insurance premium for them to get their own insurance, even though I had insurance. Repeatedly told it was their mistake and would be fixes, still deducted the additional {$2200.00} premium for their insurance so my escrow is negative and my monthly payments will be {$200.00} higher. Of course, if I do t pay, Ill be penalized. The WORST customer service I e ever experienced and I keep getting lied to and nothing is getting resolved ... for their mistake. I have 20 phone calls and 15 hrs trying to straighten this out. Theyre impossible!

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 2018-06-30
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/18 Equifax denied me online access to view current credit report WITH current confirmation # for dispute purposes, a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: LA
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:
Experian consumer reporting agency has violated my rights under FCRA under 15 USC 1681E as multiple request on how the info was verified as accurate on my account for XXXX  account XXXX and they are also in violation of 15 USC1666 billing errors in the consumer report 1. This account is reporting as a charge off but not reporting to the IRS as a charge of in the tax year in the year charge off as such there is no documentation off a 1099a submitted not filing of a 1099 b with the IRS and I was not presented with a 1099c In the consumer report under status reports account written off XXXX past due XXXX any charge off over XXXX must have a1099 file this was not done buy the creditor there the reporting that this was charge is in accurate also charging of a debt and reporting a past due balance is another violation 2 the payment summary is inaccurate In the year 2021 XXXX and XXXX boy report 120 days late which is inaccurate and impossible 3 the consumer report say last payment was XXXX XXXX which also dose not match the payment summary which reports last payment in XXXX in the legend with a green check mark indicates a payment was made so this record is also inaccurate and not verified accurately 3. Multiple parts of credit report are blank which means this consumer report is inaccurate the company sold to is blank And this account was sold multiple time to outside debt collectors which is a violation The original creditor is also left blank which means this consumers report is also incomplete Because of each violation I am entitled to XXXX per violation I would like to invoice all three credit bureaus of these violations and payment therefore and / or Immediate deletion from my consumer report 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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On my consumer report there are incomplete and inaccurate accounts reporting. I have asked for verification of multiple accounts and they all have come back verified, I would like to know the method that was used to confirm that accurate and correct information is being reported. According to the FCRA you are suppose to report correct and accurate information. Your report should also reflect the other CRAs and at the moment there are a few accounts on my consumer report that are not on my XXXX please make the corrections and delete the accounts I would like these accounts to be reviewed for to confirm they are correct and accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once the investigation is complete please send me my complete credit file

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 2018-04-09
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Experian is sideing with a XXXX XXXX XXXX. And another company to charge an amount it's not the right one or a contract that I was never in. I made a complaint about 3 companies that are taking advantage of me in the original complaint I ask for signed contracts but they did provide one the other company is claiming that I owe money for a different amount but again there aren't any prove of annual contracts or any other papers there is a claimed for emergency services of the local hospital but I have two insurance that takes care about any medical balance but again experian is sideing with this company but there provide any papers signed I believe thi is fraud helped by experian

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These accounts are not mine, I noticed them when trying to make a purchase. XXXX XXXX {$8000.00} opened XX/XX/2021 XXXX XXXX XXXX XXXX {$3100.00} opened XX/XX/2021 15 u.s.c 1681 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing 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 2021-05-13
Company: BARCLAYS BANK DELAWARE
State: NC
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:
A virus popped on the computer on XX/XX/XXXX, we called the number and gave permission to the people to access the computer to fix it. We then realized that we might have been scammed and the following day called the bank and the credit card companies to let them know not to accept any charges. 100 {$400.00} charges to XXXX XXXX were placed on this credit card on XX/XX/XXXX. The other credit card companies and bank were very helpful but this Barcley 's Visa card didn't do anything. We sent a letter to the company on XX/XX/XXXX to explain in writing that the charges were not authorized by us. They have denied our fraud claims.

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 monetary relief