BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
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/2022, I made a call in a XXXX search seeking for chase customer service representative number in request for a new debit card. I assumed that I called chase bank and I was told to wait 6-7 business days for a new debit new card. I waited 10 days later, and I still did not received the new card in the mail. Later on, then I called chase bank customer service representative again on XX/XX/2022. An agent told me that if I want a new card right away, I would pay a fee of {$5.00} for express mail and I agreed to it. Suddenly, the very same day, transactions of - {$9000.00} and- {$2000.00} were made with card purchase with pin ending card of XXXX and without my authorization nor any knowledge. The description of these transactions were made in Usps XXXX XXXX XXXX XXXX XXXX XXXX, NY. On XX/XX/2022 a transaction of - {$670.00} of XXXX XXXX XXXX XXXX, NY were made of a purchase with pin ending card XXXX. Then also, a transaction of - {$79.00} of XXXX XXXX XXXX CA, card ending of XXXX. I had never known of a XXXX brand nor ever did taken an XXXX ride while on XXXX XXXX NY on XX/XX/2022. I then went to a chase branch bank and was told to cancel those debit cards. I was also told to close the account and opened a new account with a brand new debit card. I was recommended by the branch to make a police report. I went to XXXX precinct in XXXX XXXX, NY and was given a detective. The detective was doing his own investigation and I was given some information. He told me that he did went to the place in Usps post office and stated that it was made a purchase of money order checks. The money order checks were created there and I had no knowledge at all. The detective told me that someone has made or sign of my name on those money order checks. I never have done a money order check in my life and nor did i never had no other purpose of it. The detective was trying to explain to me that my name was on those money order checks and has copies of it. He currently does not know who did it yet and is only awaiting for them to be cashed. I was also informed by the detective that it was an old building and that the cameras do not work. This is what I was told by the detective and those were his opinions at this point of the matter.I have spoken with a legal aid attorney and was told to look into my call history and find who I have called on XX/XX/2022. I did have called in a chase customer service representative number 4 times and I also did called in a possible scam on that day. I already requested a police report document and then demanded to have my funds back rightfully from chase bank. Chase bank has been denying my funds back ever since unfortunately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My husband and I have had ongoing problems with USAA for at least 2 years. This complaint concerns a hacker/phisher/smisher who hacked their phone and fraud text systems. 

On the evening of XX/XX/XXXX or XXXX, 2023, the above criminal called, apparently from USAAs main number, and asked about a fraudulent transaction. He had numerous details about our account that only USAA employees should have. We spoke with him for about half an hour and then realized he was phishing. 

This individual made over {$5000.00} in fraudulent charges. We reversed them, but USAA still has not secured their systems. 

We have emailed USAAs CEO several times since then, and despite repeated direction to *only* *email* us, they continue to call from the XXXX and XXXX numbers, which are clearly not secured. We have most recently tried to reset our passwords and have not been able to. 

We advised the CEO on XX/XX/XXXX that because we are locked out of our accounts, we can not verify what we owe. They have charged us interest in spite of this. 

USAAs negligence regarding customers data violates numerous financial regulations. **We will forward all relevant emails once we hear from the CFPB. **

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I've been charged overdraft fees on XX/XX/XXXX, XX/XX/XXXX, and yesterday on XX/XX/XXXX.These were {$36.00} each totalling {$100.00}. I have repeatedly tried to pursue a refund but they state they only allow one refund every two years. I haven't been given any notification for fees until the next day, so I am unable to put money in. This handling of my money is very heinous and dishonest. All I am trying to do is get my money back to that was wrongfully taken. I haven't been able to get anywhere with BB & t, even emailing the CEO. I am seeking a just solution and just want my money back. I have been a BB & T customer for a long time but your history or experience with the company doesn't matter, only whether or not they've given you a refund in 24 months.

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 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Report Act XXXX, Account : XXXX from XXXX XXXX XXXX h

as 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 an account without my written instructions. This is my second attempt requesting this company to investigate this account. I do not recognize this account and I never applied for a credit with this company. This account is a fraudulent account open under my name and social security number. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Failure to conduct a reinvestigation ; request for damages under the FCRA

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 2022-11-30
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX 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 states a consumer reporting agency can not finish 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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. 


I have sent this complaint to XXXX, XXXX, Transunion, XXXX, XXXX, XXXX, XXXX XXXX. 
XXXX/DEPT OF ED : XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX- : XXXX XXXX XXXX # XXXX, MI XXXX XXXX XXXX : XXXX XXXX XXXX, NC XXXX XXXX- XXXX XXXX XXXX XXXX, OH 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 2022-09-05
Company: EQUIFAX, 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:
Hi, I have recently found I have been a victim of identity theft. Someone has stolen my information and used it to open account with XXXX Opened on XX/XX/2022 with an account balance of {$8800.00}. I don't know how the thief got ahold of my personal information but I am certain I have not opened this account nor have I authorize anybody to open these accounts for me. Please process a block on this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Experian Information Solutions Inc.
State: NC
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:
Recently i received a copy of my Experian credit report and noticed multiple inquires unauthorized inquiries i did not authorize from unknown sources, i did not give permissible purpose for Experian or any one else to run my credit, i did not apply for loans or any credit cards. Experian gave credit card companies access to my credit report without my person.

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 2022-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
( XXXX ). My Checking Account, is with " Capital One Bank ''. They have misused my Account. Have paid/Refunded Disputed money, my credit Balance to Business Owners . 
I signed up to " XXXX XXXX XXXX '' in XXXX. I downloaded XXXX. But unable to Activate my Account. I informed, and complained to XXXX XXXX since XX/XX/2022, and requested to help. Did not receive any help and requested to cancel my membership and Return my money and not to withdraw money further. 
XXXX XXXX, didn't Stop and continued to withdraw until XX/XX/2022. They have withdrawn money two times in XXXX. Then I Disputed the payments. The Capital One Bank has Returned/Refunded Disputed money to XXXX system, on XX/XX/2022. 

( 2 ). My second complaint, is Equal to the first complaint. I purchased, Two XXXX from XXXX XXXX XXXX in XXXXXXXX XXXX XXXX XX/XX/2022, at XXXX and returned them on XX/XX/2022, at XXXX. They have charged me {$150.00}, as Storage fees. I complained to XXXX  They have advised to refund storage fees. But, the Store management, didn't refund. Then I Disputed my payment. The Bank has refunded/returned {$150.00}, in XX/XX/2022. 
Capital One Bank informed me, that they have investigated and refunded money, which I disputed. I replied, that it was my transactions and The merchants has made Consumer Rights Violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-12-25
Company: Experian Information Solutions Inc.
State: PA
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 suspect fraudulent inquiries on my credit report. below are the inquiries listed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-05
Company: ALLY FINANCIAL INC.
State: CT
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:
Contacted these companies I dont recognize and its effecting my credit report I am trying to build my credit and these are incorrect

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 2023-12-20
Company: Experian Information Solutions Inc.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX Balance : {$3700.00}

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 2023-08-22
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Goods not received I ordered 2 products on XX/XX/23 from 2 different sellers. I used my PayPal account to pay for each item. It appears that PayPal combined both orders into one transaction. The products ordered were a wooden gazebo kit & a vinyl storage shed. PayPal states the one merchant who was selling the gazebo kit shows a XXXX delivered confirmation receipt w/ a receivers name of XXXX. Both of the items I ordered were from the XXXX XXXX in the XXXX. Logistically it is impossible to get the two items to my home address by the dates PayPal is providing. I live on an XXXX in XXXX Washington. We do not have a land link to the mainland of WA State. We must use a WA State Ferry to drive to the mainland. Logistically all durable goods must come out to our island by boat or air. I did NOT receive either of these two items. I did not sign the XXXX delivery receipt. The one seller PayPal contacted says the delivery receipt is signed by XXXX. I live alone & all 6 of my neighbors do not know this name nor do they know anything about such a large delivery made to my home address. I am dutifully making the payments to PayPal for the charges of {$920.00} in 6 payments. Currently I owe the balance of {$320.00}. I spoke w/ PayPal today & they said if I can get proof from the XXXX contractor here on XXXX XXXX XXXX the packages were not here on XXXX XXXX nor were the packages delivered PayPal will reopen my claim. So now I have to drive into town, XXXX XXXXXXXX, & see what I can find out how XXXX XXXX ( XXXX delivery contractor ) for XXXX XXXX XXXX ) can help me. Is there any help your agency can provide to help me get the two items I ordered or have PayPal issue me a refund? I am a XXXX XXXX XXXX lady trying to remain compliant with my PayPal account. Yet PayPal will not listen to me. Very few businesses will not deliver large products to our Island because there are no mainland roads. Additionally XXXX will not accept heavy packages, more than XXXX lbs. the wood gazebo kit weighs over XXXX lbs. I am a an XXXX lady who lives alone on a very rural island.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have called many times and keep getting the run around. They will not make the repair to the report and it is costing me money because of my interest rates are going up. 

For some reason they wiped out all my credit age. It use to be 12 years, 2 months. Now it is 1 month My credit score use to be XXXX, NOW it is 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 2020-11-05
Company: ORG GC GP Buyer, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My attorney filed Bankruptcy on my behalf on XXXX XXXX which was discharged on XX/XX/XXXX. 

The attorney contacted XXXX XXXX with this information as they were included in my Bankruptcy discharge as one of the creditors. However, XXXX XXXX, continued to send me bills on the third of each month long after the Bankruptcy filing and Discharge. 

The attorney reached out to XXXX XXXX on XX/XX/XXXX, via a typed letter, asking for all payment attempts to cease and reminded the company that what they continue to do is a violation of the stay and may be actionable pursuant to XXXX XXXX k ) or as contempt of court if they persist. 

I visited the XXXX  XXXX  store on XX/XX/XXXX and I spoke with XXXX XXXX who was a XXXX  Consultant and provided me with a ticket number and said that I would receive a call from XXXX  XXXX " Legal Team ''. I provided my bankruptcy case number and I received ticket number : XXXX. This was supposed to clear up everything since my bankruptcy was filed but that did not happen. 

Moreover, I returned to the XXXX XXXX store, on XX/XX/XXXX, to surrender the XXXX XXXX XXXX  and to get an update on the continued billing situation after my bankruptcy filing. I worked with XXXX XXXX who is a XXXX  Consultant. I provided my bankruptcy case number information to the representative but was told that they could not accept the XXXX XXXX XXXX because it was damaged, and the return period had passed. I explained that this was not a traditional return but equipment that I had wished to return because it was included in my bankruptcy filing. This didn't make any difference and the phone was not accepted. I received ticket number : XXXX on this visit to the store. 

I continued to receive bills that grew larger each month although I was not using any XXXX XXXX services. 

Ultimately, I received a letter dated XX/XX/XXXX from XXXX XXXX an account representative for GS Services, a collection agency, which is in XXXX, Texas. This letter was sent on behalf of XXXX XXXX. The letter states that I currently have an overdue balance of {$580.00}. 

XXXX XXXX has continued to bill me each month although my bankruptcy was filed and then discharged. I continued to receive bills each month from XXXX XXXX although any monies owed were included in the Chapter XXXX Bankruptcy filing and the debt owed was discharged. 

XXXX XXXX has continued to bill me each month for cell phone service that I have not used, consequently, the bills grew larger, so each month a bill would be even more money than the previous month even after my cell phone account was switched over to a completely different wireless provider.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: Quick Bridge Funding, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
ONCE AGAIN I have received yet another scammy fraudulent junkmail solicitation from these criminals addressed to my deceased  father at my address. Despite repeatedly being told to CEASE AND DESIST, the mailing continue. They have openly lied and disobeyed XXXX complaints and continue to annoy and harass. Their mailing include fraudulent wording such as : '' Active account notification '' " Use your Active Account Card '' " Congratulations on your Account Status '' and " Account Confirmation '' all intended to deceive and defraud consumers. They also include a phony credit card. These XXXX  criminals do this all over the country and there are dozens of complaints all over the Internet against them. They also go by the name XXXX XXXX. They are a FRAUD. They are CRIMINALS and need to be investigated and put out of the public misery. This is NOT a duplicate as I have received YET another mailing from the XXXX despite my previous complaints. ( Attached )

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation