BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-23
Company: JPMORGAN CHASE & CO.
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 did purchase from XXXX online store for {$1100.00} and I requested signature on my package or hold the package on the carrier location and after I finished my work, I will pick it up but XXXX ignore my request and delivered the package without my signature so I called them and they told me they will send a replacement and on that time they confirmed to me that they will do a signature required or hold it on the carrier location but again I didnt receive the package so I called XXXX again and I asked them that I dont like to order it online and I need the full refund. 
They told me that they will do an investigation with the carrier and they send me an updates to my email after they finished their investigation. 
I got an email from XXXX stated that My refund is being processed and I already received the refund on my chase credit card on XX/XX/XXXX. 
On XX/XX/XXXX I saw on my Chase credit card another charge for the same amount {$1100.00} so I called chase customer service to ask them to give me a credit for {$1100.00} because its duplicated so they gave me a credit for that amount on XX/XX/XXXX. 
On XX/XX/XXXX I saw a charge of {$1100.00} ( chase described this charge as an adjustment that made on XX/XX/XXXX however I didnt receive any adjustment on XX/XX/XXXX from chase I only received the refund from the XXXX ) again on my chase credit card so I called chase customer service and they told me that an error and they give me a credit again on XX/XX/XXXX On XX/XX/XXXX Chase charged my credit card again for {$1100.00} and I was trying to solve it but they refused to help me and they refused to open for me a dispute claim so I am feeling its a discrimination against XXXX. 
So please I need your help to get the full amount of the refund of {$1100.00}. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: NC
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:
Sent letters to request an investigation and to remove inaccurate information from my credit report. In my understanding with the Federal Credit Reporting Act, everything has to be 100 % accurate on my credit file. The reponse from the credit bureaus stated my file was properly investigated, how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is grounds for removal, they have violated my rights under ; -15 USC 1681 section 602A -15 USC 1681 section 604A section 2 -15 USC 1681s-2 ( a ) ( b ) ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: CONTRACT CALLERS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hello I have 2 items on my credit thats not mines. XXXX XXXX and XXXX XXXX. and multiple inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It way too many inquiries to count. I have not applied in a long time.

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 2023-05-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 explanation
Consumer complaint received 2021-12-21
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
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: Information is missing that should be on the report

Complaint:
I need to update my new address.

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 2023-09-10
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
At first, Ive opened an account without any reasonable checks just fill the form and instantly get an account without any identification, documents, and credit checks. 

But two weeks later, when I deposited a test amount of money, my account was put on hold due to suspicious activity. I dont know why it may have happened, but one of possible explanations is that its because I was on a vacation outside of the U.S . 
Ive been requested identification documents via e-mail and I have provided U.S. Passport, U.S. Passport Card, SSN card that was not signed, credit report from XXXX, statement from the other XXXX XXXX When I have provided the documents, Ive been requested to provide new photos of them and to sign SSN card. Ive done all that and provided new photos. 

Later, I received an e-mail that requested a State-issued ID or Driver 's License or a Permanent Resident Card ( for the context, I'm US citizen ). 

I have replied that I dont have state-issued ID or Drivers License, which Im not even obliged to have. Moreover, Customer Identification Program regulations explicitly state that there may be alternatives to driver 's license such as a passport : 31 CFR 1020.220 declares that For an individual, unexpired government-issued identification evidencing nationality or residence and bearing a photograph or similar safeguard, such as a driver 's license or passport.

In my correspondence, I highlighted that I have already provided other universally valid federal-issued identification documents with photo and that Im ready to try alternative forms of verification if they suggest them.

The support replied that in this case they cant lift the hold.

I asked them again to provide alternative identification options and offered them some alternatives like selfies with documents, other documents that I have including U.S. birth certificate, documents from my second citizenship ( foreign passport and foreign drivers license ), and even an option of signing a statement in front of notary public who will verify me. Nevertheless, my request was ignored multiple times both through the call-center and e-mail.

I have even filed a claim ( see attached ) to them, but that didn't help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/2021, XXXX removed 2 delinquent accounts off of my credit report with them after I submitted a dispute. The dispute was with XXXX XXXX XXXX. One debt totalling XXXX dollars and the other debt totalling XXXX dollars. 
I submitted a request for a timely debt review and they never responded. 
TRANSUNION has kept these deragetory remarks on their credit report with them even after I filed XXXX disputes with them. 
I filed a letter under FAIR DEBT COLLECTION PRACTICES ACT. 
XXXX responded APPROPRIATELY. 
TRANSUNION has failed to do so and this leaves me with AN Inaccurate credit score with TransUnion every month. My XXXX credit score is always XXXX points higher than TRANSUNION. Please help me get this removed.

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 2023-09-10
Company: Lockhart, Morris & Montgomery Inc.
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This debt was removed off my account twice and closed. 
They placed this back on my account twice. I wasnt notified nor did i receive any notification that this debt was placed back on my account for the first or second time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Capital One Auto Finance, illegally repossessed vehicle. Did not send proper notice, did not respond to certified letter or calls. Continue to report repossession to credit bureaus when the vehicle was already sold over my contract balance satisfying amount and refund due to me. Capital one refused to refund amount recovered after illegal sell and did not tell me where my vehicle was held or did not allow me to recover my personal items totaled over {$1000.00}. Illegal Violations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: OneMain Finance Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received countless phone calls and text messages after I made sure that I don't need a reminder or any type of contact on the website. I have removed that feature a month ago and still experiencing harassment from the company. Attached to this complaint will show the number of text messages and phone calls I receive within days. This company is looking for payments of {$130.00}. Making it a total of {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: VA
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'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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This is a response to case # XXXX. You still have addressed my complaints. 
You response was that the balances were calculated correctly. How can it be correct if you are applying returns towards my total balance for flexible financing offers? By you doing this, I will ended up paying my flexible financing offers too early and you are still charging me the fees in flexible financing offers for the period of 18 months. Maybe I should stated that my total balance for flexible financing offers was calculated incorrect as all my returns where credit against my total balance for flexible financing offers and not purchase. You can see it by the following in my statements : My total balance for flexible financing offers for the statement of XXXX was {$22000.00}. The interest savings balance was {$3200.00} and the monthly payment due for flexible financing offers was {$1400.00}. I paid {$3300.00}, which was a little more than my interest savings balance. Then, for the next month XXXX, my total balance for flexible financing offers was {$20000.00}, which was correct since I paid the monthly payment due of {$1400.00} for flexible financing offers and new purchases. The interest savings balance for XXXX was {$6700.00} and the monthly payment due for flexible financing offers was {$1400.00}. I paid the interest savings balance of {$6700.00}. Then, XXXX statement came and my total balance for flexible financing offers came down from {$20000.00} in XXXX to {$10000.00} in XXXX. For the month of XXXX, my total balance for flexible financing offers was {$10000.00}. The interest savings balance was {$14000.00} and the monthly payment due for flexible financing offers was {$1400.00}. Can you explain how my total balance for flexible financing offers came down dramatically since I was just paying the monthly payment due for flexible financing offers and new purchases in the prior month? I can, you applied the returns I had made to XXXX XXXX XXXX and XXXX in the amount of {$8300.00} towards the total balance for flexible financing offers and not purchases. And that explain the reason my interest savings balance was so high in XXXX. And I went back and I see that most of my returns were applied towards the total balance for flexible financing offers. Since you applying returns incorrectly to flexible financing offers which makes my interest savings balance to high, please remove the fees as I will end up paying for this " flexible financing offers '' too early.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: WLCC
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
My payments were to be XXXX XXXX  monthly when I signed the agreement. Upon first payment they took out {$780.00}. And now my agreement says {$780.00} a month for 12 months. I was never emailed the original agreement and I can not get it on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: EQUIFAX, 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:
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. 

XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: JPMORGAN CHASE & CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
There were deferred payments XXXX, I made a payment in XXXX in full {$800.00}, and then I kept getting calls harassing me for {$200.00} more but I was told everything was all caught up to that point, through XXXX. At the end of XXXX. I made a {$1000.00} payment minus the waived late fees the rep waived. Now theyre saying I owe {$86.00} in late fees, Ive been told a different story different amounts owed and its never the same its always more and they always say they dont have it on record what another rep said or promised and I am getting tired of being thrown around and treated so badly. They wont work with me. I need help Im in financial distress since COVID-19, and I bought the car right before that disaster hit! Now funds are low and Im struggling to pay my loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-20
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XXXX Transunion XXXX XXXX XXXX XXXXXXXX inaccurate information and invalid information. My identity was stolen below is my consumer report :? 
XXXX Report Number : 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 2023-06-25
Company: EQUIFAX, INC.
State: FL
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 to Fair Credit Act XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have right to privacy, 15 U .S.C 1681 604 A Section 2 also States a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief