BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I disputed a claim from XXXX for the amount of {$42.00} at chase bank. The company only sent 1 of the 2 items in my order and they sent me the wrong size/not to spec item that did not fit my knife. The item is a ball bearing and I am missing one set which I paid for out of the 2 I ordered. I talked to Chase claims in around XX/XX/2022 and opened a case for the incomplete order and wrong/not to spec part. The part they sent me is slightly larger in diameter. I sent in photos and the invoice for my order to prove the item is incorrect and the invoice to show I ordered 2 items. Chase denied my claim, they did not look at the evidence I sent and refused to reopen my claim. They state the seller showed some kind of proof, but I showed them exactly through the picture of the item, that it was completely the wrong size and showed the purchase amount for a set of 2 of the bearings through the invoice. I tried to work with the seller, all I wanted was a refund or the correct item sent to me but they denied me. I also got blocked by the seller and can not access their website to pull up information on the bearing they sent. They probably know that their part does not fit or they sent me the wrong part and do not want to refund or replace the item. Chase did not provide any evidence of the seller being correct, and would not help me at all with my claim. The seller pretty much stole {$42.00} from me and chase let that go. I am trying to get my money back, and shine light to Chase claims departments incompetence and unprofessionalism. They had no right to deny my claim, they did not even look at my evidence I sent in it seems. I am fully in my right to get my money back as the seller denied me refund just after a couple days of receiving the item. It was in their return policy to be able to return the item in an appropriate time, but they flat out denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Army and Air Force Exchange Service
State: GA
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 letter is regarding my XXXX account, which you claim I still owe {$5700.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act XXXX including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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 2023-04-06
Company: EQUIFAX, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am XXXX XXXX this objection is not thru in fault neither is it being made by a third party. I state under penalty of perjury I am claiming that a person or company- without my approval- from unlawful use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was effective in making some accounts. I have no understanding of this and all is being inspected by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written approval to report anything on my consumer reportsno consent is fraud. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have two capital one credit cards and one is a XXXX card and I am the kind of person where if I charge something on my card its usually paid off within the next week or so I paid off right away before I even get the bill. I had one return payment by accident because I entered the wrong bank account one that I had stored on my telephone that have been closed and I called them right away and rendered the situation and made the payment again and it cleared immediately and they have put a 26 day hold on 250+ dollars. The funds cleared my bank immediately and they have just had my money now for almost 26 days and I had a medical emergency this morning and they would not release the funds for a life-threatening event and they have clearly had my funds for almost a month. Not one person at that bank can tell me why they held my funds and theyre holding my funds and theres more than 250 theres several payments behind small ones because I just kept paying on this card to show loyalty and that Im a good you know, citizen who pays their bills. I was in a almost tragic head-on collision a year ago XX/XX/XXXX, and my all my accounts were very inactive for many months because I had to learn how to walk and talk and live again and when I was able to finally get someone to help me I had them call into all my banks all my accounts of them know that everything was it zero, but they started punishing me for an active activity and then punishing me when I started using it another punishing me for paying it off. How is it legal for them to hold my funds for that many days? Ive heard of three or four day holds but a 26 day hold on {$250.00} it cleared the bank immediately and went to their bank and they just can hold onto my money I consider that theft. And when I needed it for a medical emergency it was life or death and they would rather hold {$250.00} rather than help save somebodys life. There was no compassion there was no professionalism they were pretty brutal and I dont understand it. I want them to be held responsible for their actions and for the trouble they have endured me today with getting medical attention and the fear that I live in this very moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} ; XXXX XXXX Balance : {$690.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; ( XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$690.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-13
Company: Mr. Cooper Group Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Hello, on XX/XX/12 I called MR Cooper to inquire about a check I received from them in the amount of XXXX. While the agent reviewed the information and etc. ( MR XXXXXXXX XXXX ) noticed that I have a PMI on my account so he assured me he HAS THE AUTHORITY to remove that mortgage insurance, I was so happy to hear that only to find out that it was all XXXX at the end ; he has not any AUTHORITY, he was only just trying to sell me another refinance for my actual mortgages which Im happy with, and he also never told me that was he was doing until the end whe he send the documents to my email. I never asked for that and didnt even call MR Cooper for that reason ; his actions cost me a bunch of points down on my credit since part of the process was to run our credit reports ( me and my wife ) thinking he was someone with the AUTHORITY TO REMOVE THAT PMI from my mortgages. Because of this bad, fraudulent and false practice, Im filling this complaint. I send file a complaint about this with Mr Cooper but they have done anything so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX  Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$690.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; ( XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$290.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, I am a XXXX XXXX XXXX women with a permanent XXXX. I opened a checking account with Union Bank in XXXX XXXX, XXXX. in XX/XX/XXXX. I had my XXXX direct deposit going to this checking account, & I never had any problem until In XX/XX/XXXX, my balance was around {$31000.00}. I wrote some checks for total of {$26000.00}, ( which include XXXX check for {$14000.00} to my XXXX XXXX ). If Union Bank paid all my checks, my remaining balance would be {$5700.00} plus my direct deposit of {$1700.00} which gets deposited on XXXX of each month. That would make my balance {$7400.00}. On XX/XX/XXXX, Union Bank paid XXXX total of {$7000.00} and on XX/XX/XXXX paid again to XXXX {$10000.00} which I have no idea who this is or I don't know how they got my information or my account number. When I was checking my account balance to see if my direct deposit was in my account, I noticed there was a negative balance of {$13000.00}. I was shocked and panicked, and quickly rushed to the bank to resolve the issue. The Union Bank Manager stated that I authorized XXXX to approve the charges, but when I explained the situation to the teller of the bank as well as the manager, they both said I do not believe you and was very rude. The manager said too bad and that we already pay them, and that I owe them {$11000.00} since the bank took my direct deposit of that month, otherwise it would be {$13000.00}, because of that {$14000.00} check to my insurance, bank made my account negative & closed my account and send me to collection. 

Please help me retrieve my money back from the bank, since the bank paid over {$17000.00} to XXXX without even verifying with me. They didnt check to see history of my checking account that I have never paid anything to XXXX in the past. They did not even bother to call me to verify the transaction. In reality, I feel like they assisted XXXX to rob me because they did not do their due diligence. I trusted the bank since I have been a long time customer with them with no issues. 
They dont understand that was my life saving and working very hard to save this. And I cant live my life like this with bad credit and no money after all my life working hard. Please see attached statements and help me to recover this. 
Thank you

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 is reporting uniformed information to my consumer report dated XX/XX/2018. Numerous attempts have been made yet the company continues to violate 15 USC 1681. nothing is fair in regard how this company work. They are making my life stressful. I feel as a consumer.

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 2023-06-10
Company: Experian Information Solutions Inc.
State: TX
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-02
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. When I review my credit report I noticed that there are items that are misleading or erroneous. The items I'm disputing today have no affiliation with me or my transactions. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/XXXX  XXXX BANK XX/XX/2022 XXXX - XXXX SERVICES XX/XX/2022 XXXX - XXXX SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  BANK XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I noticed multiple high dollar XXXX XXXX  purchases. All of them are {$490.00} and above. Some close to {$900.00}. I use XXXX XXXX for small purchases with splitting dinner with friend, concert tickets etc. I only ever log into my account to XXXX money. I dont pay close attention to my balance until XXXX day I realized it was very low. 

The dispute was placed on XX/XX/2023. The Fraud took place all throughout XXXX and most of XXXX. The total amount is {$8700.00}. 

I have reached out to XXXX XXXX ( very hard to speak with someone there ) they finally emailed me and said because that money was sent through XXXX it was untraceable. So someone was stealing money from my bank and funneling it through XXXX XXXX and I assume sending XXXX ( untraceable ) to themselves. 

I reached out to Wells Fargo and my claim was denied. I asked to escalate, but they said there is nothing I can do. They wont even let me open up another dispute. 

They asked me when not all the XXXX XXXX transactions were Fraud. And I admitted to using it to pay and receive money from friends. The person committing the fraud used large transactions. {$490.00} being the smallest. Those were the ones changes to XXXX and sent to who knows?. 

Please please help. I had rent due on XX/XX/XXXX. My birthday is XX/XX/XXXX and instead of going to dinner with friend XXXX embarrassed to leave the house with {$60.00} to my name. 

Let me know what more information I can provide. 

Thank you, 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