BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-28
Company: JPMORGAN CHASE & CO.
State: LA
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:
On XX/XX/2018 a charge appeared on my credit card from XXXX XXXX for purchase of 2 basketball tickets. I did not make this purchase nor did my husband. I contacted Chase to report the incident. They were helpful and removed the charges pending investigation. There was also an attempt at another unauthorized charge that Chase did deny. I checked my email and found the 2 basketball tickets in my inbox. I tried to contact XXXX XXXX  but was held on the line for too long. I deleted the tickets from my inbox without downloading them. 

In mid XXXX I was contacted by the fraud department at Chase for a conference call with XXXX XXXX. XXXX XXXX claimed the purchase was legitimate because the purchaser had used my correct address, phone number and email address and the tickets were sent to me. According to XXXX  XXXX the tickets were never used. I have no proof that I did not make this purchase but XXXX XXXX has no proof that I did. As I deleted the tickets I have no information on who I supposedly purchased them from. XXXX XXXX said they would contact me via email within 48 hours with additional information. I did not hear back from them.

Chase fraud department has decided that the charge was legitimate and is demanding payment and charging me late fees and interest. I have closed my Chase account that I have had for 15 years. This credit card I have used exclusively for internet shopping and keep in my home. I have had previous unauthorized purchases made but had no problem resolving the issue. 

I contacted XXXX XXXX in mid XXXX to find out if they had any additional information. I was told that the matter is still under investigation. 

I can not think of how anyone would benefit from this fraud other than the tickets may have been counterfeit or the motive was to access my other financial information. 

Do I have any recourse? am I liable for the {$160.00} charge for the tickets? am I liable for penalty and interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 trust this letter finds you well. I am writing to express my ongoing frustration and disappointment with the persistent issue of late open accounts associated with my account, despite my prior attempts to address and rectify this matter. 

I previously communicated my concerns, outlining the numerous attempts I had made to resolve the late open account issue. Regrettably, the matter has not been adequately addressed, and the problem persists, causing considerable inconvenience. 

I would like to recap the previous attempts made to rectify the situation : Initiated contact with your customer service department to inquire about and address the late open account. 

Follow-up communication with customer service after the initial inquiry did not yield a satisfactory resolution. 

Submitted written documentation and supporting evidence to demonstrate the discrepancy in the open account.

Escalated the matter to a supervisor or manager within your organization, seeking a more authoritative intervention.

Despite these efforts, the late open account issue continues to persist, and it is disheartening to note that my concerns have not been adequately addressed. This situation has not only impacted my trust in your company but has also affected my financial stability and overall satisfaction as a customer.

I understand that issues may arise, but the lack of resolution and communication regarding this matter is unacceptable. I kindly request your immediate attention to this ongoing problem, with a commitment to resolving the late open account issue promptly. 

I expect a thorough investigation into the root cause of this problem and a comprehensive response outlining the steps your company will take to rectify the situation. Additionally, I request transparent communication regarding the timeframe within which I can expect a resolution. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I may be compelled to explore alternative avenues to seek redress. I am asking for your assistance to correct these late open accounts in my credit file : XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1700.00}.

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 non-monetary relief
Consumer complaint received 2017-11-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXXEquifax A XX/XX/XXXX {$15000.00} {$0.00} {$0.00} XX/XX/XXXX CHARGE-OFF {$0.00} THIS ACCT. WAS NOT A CHARGE-OFF, THIS ACCT. WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY IN XX/XX/XXXX. PLEASE CORRECT ACCORDINGLY ... THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Ive reached out to XXXX XXXX XXXX XXXX ( Account # XXXX on many occasions, and to know avail nothing was done, This XXXX XXXX account is still on my credit report as closed and not off my credit report. 
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 U.S.C. 1681 This company has violated my rights 15 U.S.C. 1681 section 602 A,, States I have the right to privacy, 15 U.S.C. 1681 sex in 604 A section 2. It also states, a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer reports containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates The report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is incorrect, XXXX XXXX XXXX XXXX  the company above added on insurance that was illegal on their behalf. Yes, they fix the problem closed out the account and called themselves taking it off my credit report but it shows closed but still on my credit report since 2015 when it should be off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
This is 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 2024-01-05
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:
I've sent mail correspondence to XXXX XXXX via mail and I've called them many times & spoke to supervisor but they said it's the law for them to report to consumer reports. 

The law states in 15 USC 6802d ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 

XXXX XXXX XXXXXXXX

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 2023-03-09
Company: Experian Information Solutions 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:
My name is XXXX 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 explanation
Consumer complaint received 2018-03-27
Company: ALCHRO INC.
State: FL
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:
Ive Tried To Write This Company Twice Too Dispute These Collections and Have them Removed Ive received return too sender from this company!!! I cant dispute when this company address doesnt exist please remove off my XXXX credit report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX Please delete these inquiries ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to Shellpoint Mortgaging earlier in 2018 and my escrow included property taxes and home owners insurance. However, now that my annual XXXX payment for home owners is due, Shellpoint " has no record '' of that money. They tell me I am responsible. I checked with my previous loan servicer and they were able to prove that they transferred the loan and escrow correctly ( it is included in my monthly mortgage payment ). They admit fault but are " trying to get to the bottom of where the mistake is ''. In the meantime of them trying to figure out how they XXXX  up, my insurance goes unpaid. So it doesn't get cancelled, I pay. So now, I'm double paying in order to be safe and cover myself. They still have yet to pay my insurance and I absolutely can not get through to them via customer service line ( it just rings and then hangs up ... only when I'm not being sent through a survey / sweepstakes for XXXX XXXX XXXX is that??! ). I am so angry that they " lost '' {$1200.00} and I'm not having to double pay. This is absolutely fraudulent activity and I've been dealing with this issues since XXXX!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My personal information is incorrect, as I have attempeted multiple times to have this update like my name and I only have one address, as I several incorrect addresses are wrong.

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: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm an identity fraud victim. and filed identity fraud affidavit with all bureaus and creditors. the issue rises when XXXX XXXX reported a frequently opened account in my name and was sent the fraud affidavit but wont remove or delete the listing. XXXX XXXX both reporting chargeoff/collection and EQUIFAX reporting 120 days late. 
How is this possible. XXXX XXXX knows the account doesn't belong to me and you can see that clean from their reporting across 3 bureaus. Late on one and Charge off on the other two. XXXX EQUIFAX AND XXXX all reporting different information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
synchrony bank issued me a carecredit account credit card # ( XXXX. 

my credit limt was {$8000.00} and they lowered the credit limit to {$2400.00} without any cause or warning being sent to me. i have always paid on time and have a current balance of XXXX. I AM in the middle of XXXX XXXX XXXX that will require about {$5000.00} in expenses. i was counting on my credit limit o {$8000.00} to pay my XXXX XXXX since i wouldve never imagined this bank would do this harm to me without cause. 

Its of urgent matter THAT I WILL BE able to pay for these medical prosedures, i contacted synchrony bank and there response was since i dint use the whole amount of my {$8000.00} credit limit within a year they decided to lower the credit limit. this is a out right fraud and deceptive trade practices by taking this action. i do need now to have the original credit line restored to be able to pay the XXXX   cost i need to pay. THEY ALSO CAUSED MY CREDIT SCORE TO DROP 100 POINTS WHEN THEY LOWERED MY CREDIT  LIMIT. A TOTAL ABUSE OF POWER WITH OUT MOTIVE

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 2023-11-14
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
I received a Notice of XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX, Not In Its Individual Capacity But Solely As Trustee Of XXXX XXXX XXXX XXXX Loan Trust XXXX. 
They recently as of XX/XX/2023 acquired this mortgage from XXXX XXXXXXXX XXXX XXXXXXXX, XXXX. They are willfully neglecting my right trying to take my house which they don't have any interest in this house. I have requested for the original note and the original mortgage documents which they have not produced. 
They refused to work any modification with me they are only interested in forclosing on my house trying to get the XXXX to get a referree to get a sale date on my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: SC
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:
My name is XXXX 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 explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: IN
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-01
Company: ROBINHOOD MARKETS INC.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I attempted to reset my multi factor authentication profile today XX/XX/2023. In doing so, I was locked out of my account for no reason. I was asked to submit a picture of my ID, a selfie, and a picture of the left and right sides of my face. I did this multiple times and it kept getting rejected. I submitted a ticket with Robinhood and they refused to help any other way, stating I took the picture wrong ( I did not ). I resubmitted it 3 times while on the phone and they said I still submitted it wrong ( I didnt ). I asked for a manager and they told me to hold. I waited 20 minutes to be told the manager would email me to setup a call. I said no, stating that every time I was previously told this by Robinhood, I never received an email back after I replied. I said I would hold for a manager on the phone. I waited another 30 minutes and was told the same thing. I replied the same thing as above, I would hold for one. I wait another 10 minutes and then they tell me they cant do anything without me replying to an email to setup a time. Even after the rep hung up on me, even if I did want to do the email method, they did not send me anything. So I now can not access my checking or brokerage account through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never gave written consent for any debt collector to report on my consumer report. Congress never defines credit report yet Im being denied my credit because of a credit report number. Let me correct that. Title 15 U.S.C. 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.Title 15 1691 Scope of Prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. The consumer has an open ended credit plan but due to information on my consumer report that I never gave consent to report it seems my credit is blocked. They have been misleading the public by calling themselves bureaus when they are nothing more than agencies.

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