BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I rented a car through XXXX in XXXX on XX/XX/XXXX. I agreed to {$1200.00} and signed a contract that stated that amount. The XXXX system was down the day I was renting a car so they printed out a piece of paper and wrote the details of the rental agreement on it rather than having a printed version like you normally would have. The agent suggested we should upgrade the car size due to the baggage we have and I said only if the cost stays relatively the same. On the written version of the contract she circled a price of {$1200.00}. When I got home, I noticed a {$4000.00} charge on my chase credit card. I immediately called Chase and told them this was incorrect. They said to speak to XXXX to get this resolved. I have been working with XXXX for over a month to try to dispute this but they send me a copy of the contract that was not signed by me ( a printed version ). They are unable to resolve my case and ask me to call XXXX directly. When I call XXXX to talk about the details, they state that they can not talk to me because a case is open and they will be in touch via email. I get an emailed response stating the case is closed and to take a survey. 

I thought credit cards were meant to protect you in fradulent cases like this, but Chase is not willing to get involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file ( Reference Number : XXXX XXXX XXXX. I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from my credit report. See Attachments ....

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 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XXXX, XXXX, XX/XX/2022, and In accordance with the fair credit reporting act, this creditor XXXX XXXX has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Date : XXXX -- XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Texas XXXX Capital One/Walmart P. O.Box XXXX XXXX XXXX XXXX UT XXXX XXXX Date : open : XXXX Amount : {$390.00} Account No. XXXX I demand this debt to be taken off my credit like they said they would. It's not mine and if it's not off I will file a complaint with Attorney General '' s.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit report is showing late payments on the accounts listed below. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or a customer service representative. 

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 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
i notice some negative items on my credit that the bureaus are posting and i sent dispute letters to Transunion and XXXX on XX/XX/2020 and has attached a copy of the letter that was sent below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Sunday morning XX/XX/XXXX, i did a {$75.00} cash app transaction ; however I noticed cash app took the directly from my bank ( XXXX XXXX XXXX XXXX XXXX ). On Monday morning I XXXX  cash app support and called XXXX XXXX for support and spoke with a man named XXXX XXXX he then asked me to login to XXXX and if I knew someone who uses cash app to make 3 transactions ( {$780.00}, {$780.00}, {$790.00} ) and the money would be returned to my account asap! he said he needed to check cash app transmission to ensure it was working properly. After completing the transaction I said ok return my money ; he started stammering for words, he needed to check the cash app system and call me right back, he hung up, I immediately called my bank to make a fraudulent report. My bank to me to call XXXX XXXX and report it to cash app, I did and they said the money trail ended at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX account ending in XXXX. I told cash app to investigate with that bank and return my money. After days of back and forth with cash app they always told me the same thing ; your dispute has been closed and they would hang up the phone with no reason as to why it was closed, when fraudulent activity was certainly evident!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday, XX/XX/2022 at XXXX XXXX  I made a cash deposit to a Chase Bank ATM located at XXXX XXXX XXXX, XXXX XXXX NY. 
I inserted into the ATM machine XXXX bills of {$100.00} each, for a total of {$1000.00}. During the transaction, the ATM machine displayed a pop-up message saying that there was a problem with the transaction and to call the bank to verify the deposit. The machine also gave me a paper receipt which only indicates a sequence number and refers to call customer service. Being the ATM machine right outside a Chase Bank Office, I immediately walked into the bank to report the issue and ask for help. A Chase representative explained to me that I must call the phone number indicated on the receipt, so I did it from inside the bank. The customer service opened a claim number and provided a {$1000.00} temporary deposit to my checking account while they were conducting the investigation. 
On Saturday, XX/XX/2022 I received an unclear communication from Chase stating that as a result of the investigation they are removing {$610.00} from my account because they found that I should have received a portion of the remaining amount. I promptly called Chase asking for further explanation. The customer representative claimed that it was no evidence that I deposited {$1000.00} and based on their internal calculation they believe I only deposited {$380.00}. The representative also added that based on my banking history I usually don't deposit large amounts of cash and therefore that transaction seems anomalous for them. No other information was provided to me and Chase stated that the investigation is closed and I will be only accrediting {$380.00} to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company has called me numerous times throughout the day every day. I have already advised them to stop contacting me. They continue to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/XXXX, XX/XX/XXXX, and In accordance with the fair credit reporting act, this creditor XXXX XXXX has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-10-26
Company: OneMain Finance Corporation
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Received email communications from OneMain Financial regarding a debt consolidation loan. Also noticed a hard inquire on credit file from the same company. I did not originate this loan request, and believe this may be fraud. I've contacted XXXX and filing this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attempts to collect on an alleged debt that has passed state of limitations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was currently XXXX  ( XXXX XXXX ) for a few years now and the checking account with XXXX is set up to pay all expenses for my daughter who decided to stay back in XXXX. We had two debit cards for the account and the one my daughter using is actively used but the other card was not in use at all. Recently my daughter has tried to buy a car and realized that there wasn't enough fund than what was expected to be there. After reviewing all the charges, there were more than 400 unauthorized transactions from XXXX, XXXX and unknown terminals. All unauthorized charges were made using the debit card that is not in use. We did not use the card at all and can't think of a way how the card information was released. The total fraud amount was {$14000.00} over 400 fraud transactions. A case is opened with XXXX but the initial assessment they are giving to us is that they are responsible for the frauds within 60 days and which is equivalent to {$16.00} dollars. I have been out of the country and trusted the bank system in US. It is a devastating situation if the bank can't honor the amount lost due to the frauds.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX 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 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 non-monetary relief
Consumer complaint received 2023-10-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony bank systemically targets consumers with unjustified, unverified " late fees '' ... they purposely delay posting payments to collect late fees. They also consistently deliver their payment requests DAYS before the due date. When I ask for evidence of my payment being " late '', when I purposely send 10 days in advance, they don't produce any form of verification. 

They operate as more of a loan shark than a bank. The XXXX XXXX is passing legislation to prohibit this type of illegal behavior but Synchrony is trying to get as much late fee revenue as possible ... on multiple store accounts where they have bought the credit. 

CHARGING LATE FEES IS THEIR STRATEGY!?!?!?!?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
For the last XXXX years, I have asked TransUnion, XXXX, and XXXX to delete a charged-off account that I have with XXXX XXXX because they keep re-aging it, which is a violation of the FCRA. However, instead of removing the account based on their inaccurate reporting, they keep re-aging and reporting the account with the same factual error ( re-aging ) which is a violation of the FCRA. This account 's date of last activity was on XX/XX/2020. Yet, XXXX and TransUnion keep moving the the date of last activity to every month, including this one, and XXXX moved it to XX/XX/2020 and has never bothered to correct it. I have sent letters to all three bureaus almost every month for the last year requesting the account to be remove. Yet, they have ignored my requests and keep re-aging the account in violation of the FCRA. The date of last activity determines how long an account will stay in my credit report. By re-aging this account they are repunishing me over and over again and the account will never drop off my credit report.

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 2022-06-17
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Last Year during Covid-19 i was sick with XXXX. Navy federal received my payment XXXX  days late for loan i obtain from them to further my education. I explained to navy federal numerous times about what happened to me those 2 months. Navy federal was so cold and heartless. Navy federal ruined my stellar payment history during the pandemic because of XXXX late payment. Now that XXXX, XXXX and XXXX have added XXXX pandemic hardship option to the dispute area I disputed this XXXX day late again to navy federal XXXX Within 1 week navy federal credit union responded that this account is accurate. I didnt dispute this account to be told that its accurate! I disputed this account with navy federal to acknowledge the new option that all XXXX credit bureaus have provided on their websites for me to choose. If my education loan was affected during the Covid-19 pandemic it says i can ask for relief. XX/XX/2021 we were on lockdown. I was sick with XXXX and did not go back to work until XX/XX/2021. Navy federal still received payment and chooses to ruin my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX XXXX and XXXX BANK 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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 i believe the XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

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