BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I purchased an XXXX puppy from XXXX for $ XXXX that includes the puppy and plane transport it was same day delivery to which did not happen. I got email from XXXX that I need to pay {$1500.00} for pet insurance which I did through XXXX since it was the only payment they accept after a few hours they asked to rent a special crate for my puppy for the flight to which I had to pay {$700.00} to which I gave. I kept calling and asking where the puppy was they kept delaying, called the next morning which was XXXX XXXX and they said they could not deliver the puppy because I did not pay the other half for the crate to which they agreed I did not have to pay. They wont deliver my dog or answer my calls and I asked them to cancel the delivery due to suspicions and they will not answer my calls, texts and emails and wont not give me my money back. I called my chase bank after finding out and see if they can do anything about it and they said theres nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: GA
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 wrote a letter about false information on my credit report and more than 45 days later I still havent heard anything back. I think my complaint is being disregarded and that I am being victimized. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations. within 30 days is cause for immediate removal of all those allegations from my credit report. Given that it has been more than 60 days, they should probably be deleted. I demand that this account be terminated right away or else I pursue you for the anguish you put all my life. The Experian Data breach exposed my information well as, and is feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 1 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights 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 explanation
Consumer complaint received 2023-07-10
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:
This is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my initial compalint. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days.The initial thirty days for this dispute to be handled is passed. I have records showing my contact with you. I am requesting that my dispute is handled immediately and that the inaccurate item from my original request be updated. 

Bankruptcy XXXX XXXXXXXX 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 2023-09-06
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
Re : Failure to Respond to Credit Report Dispute Disputed Accounts : XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX I am writing to bring to your attention your failure to respond to my credit report dispute within the time frame required by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. On XX/XX/2023, I sent a dispute letter to your agency via USPS-certified mail, disputing the completion and accuracy of the accounts listed above, in compliance with the XXXX XXXX Format Standards. USPS tracking confirms that you received my dispute letter on XX/XX/2023. A copy of the tracking receipt is attached for your reference. 
The FCRA mandates that you respond to consumer disputes within 30 days of receipt. Your agency 's failure to respond to my dispute within this time frame is a clear violation of 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 explanation
Consumer complaint received 2022-11-26
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a debt with Convergent Outsourcing for XXXX originally set a payment arrangement with the company to pay the full balance owed. XX/XX/XXXX I made my first payment of XXXX. After making the payment, I asked the company for a receipt showing I made the original payment. I was informed that the payment arrangement was no longer in place because the payment came in a few days after it was originally supposed to. I again requested a receipt from the company showing my payment and on XX/XX/2022, I received an email from a Convergent Outsourcing supervisor showing the payment I made and stating the balance remaining on my account as being {$50.00}. On XX/XX/2022, I made the payment of {$50.00} and requested a letter from the company showing my account settled for a lesser amount. I called the company and told them I made the payment they requested and was informed that they would not honor my payment. I confirmed with the company that I received the letter from a Convergent supervisor with the authority to send this information and was later called by the director XX/XX/2022 saying my account with them would not be closed and it didn't matter what information they sent to me. I requested to speak with the board of directors for the company and the director told me this would be the last call I receive from anyone from the company in reference to closing and settling my account and that the account would remain open regardless of what was sent to me from the company.

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 2020-12-21
Company: EQUIFAX, INC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
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:
XXXX XXXX is my name social XXXX address XXXX XXXX XXXX XXXX XXXX. I have a document below the would reflect my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2021-04-03
Company: ENCORE CAPITAL GROUP INC.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, to whom it my concern my name is XXXX XXXX XXXX consumer ). I am A federally protected consumer ; I would like to thank you for the opportunity to address my concerns regarding third parties Midland Credit Management Inc ( mcm ) ( Debt collector ) Charged Off by XXXX XXXX XXXX XXXX XXXX XXXX My account Original Account Number is XXXX or XXXX. MCM has infringed upon my rights to privacy under the Fair debt Reporting Act 15 U.S.C. 1692 ( a ) I ( consumer ) Have notice MCM was furnishing allegation of an alleged debt for {$590.00} to the consumer reporting agency without the prior consent. I would like to ask how my location information was gotten, and who provided you consent to communicate with I ( consumer ) This debt collector was not given prior consent from me to communicate with me in connection with the collection of any debt, which I would like MCM to provide me my writing consent of such action. If request can not be provided this will be direct violation of 15 U.S. Code 1692c ( a ). During the initial communication debt collector was not confirming location information instead they have accused me ( consumer ) of alleged debt which is under federal violation of 15 usc 1692b ( 1 ) ( 2 ) MCM has harassed me to coerce payment on a debt, they have advertised to me which has ruin my reputation. Is a violation of 15 usc 1692d ( 4 ) This MCM ( Debt collector ) has use deceptive and unfair mean to collect debt from me not permitted by law is a violation of 15 usc 1692f ( 1 ) I have disputed the validated of this debt to MCM ( debt collector ) which they have removed off my consumer report. I the original creditor im requesting Actual and statutory damages brought by Defendant Midland Credit Management Inc For violating the FAIR DEBT COLLECTION PRACTICE ACT, 15 U.S.C 1692 et seq Which prohibits debt collectors from engaging in abusive, deceptive, and unfair debt collection practices This is a violation of 15 usc 1692g ( 5 ) .I request All further collection efforts against I ( XXXX ) with regard to the accounts, any negative credit reporting be removed of any database. in addition, to the damages I'm requesting XXXX XXXX XXXX  ( XXXX ) to settle. If this offer is not accepted, my next step will be taking this case to legal proceeding to litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a loan with the company name Oportun. In XX/XX/XXXX. I made my payment I was able to gather the money in XX/XX/XXXX to pay the rest of the loan. I called made the last payment received a confirmation via email which I have proof. I also received a letter from them dated XX/XX/XXXX that my account was successfully paid in full. Now, as of today XXXX, XXXX, XXXX I received a call from Oportun stating I owe the company an extra XXXX dollars in interest because lack of pay. That my payment was bounce back and earn interest and now I owe them more money. Based on my confirmation letters and email I was sure I did not owe any more money. 
I try negotiating that I will definitely pay the amount owe at the time we agreed but I will not pay the interest due to their mistake. They want to force me to pay interest on the loan I was given confirmation that it was paid off. I need help on be clear on my rights and laws. This company has several complaints against them for this type of issues. Where they try to come back and charge more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: PROVIDENT FUNDING ASSOCIATES
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I received and replied with the information to be included in the Provident Settlement. 
I did not receive a check in the mail The Provident settlement administrator website can not be found and the phone number XXXX just has a busy signal every time I attempt to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the FCRA the following companies list below have violated my consumer rights pursuant to these three laws ; 15 U.S. Code 1681- section 602 ( A ) 15 USC 1681 604 A section 2 15 U.S.C 1666b XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX XX/XX/XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Account number XXXX XX/XX/XXXX and XXXX, XX/XX/XXXX XXXX XXXX Acount number XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXXXXXX XXXX account number XXXX XXXX XX/XX/XXXX XXXX account number XXXX XXXX XX/XX/XXXX and 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 explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act, Account - XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Saturday XX/XX/XXXX, I messaged XXXX XXXX XXXX on XXXX marketplace regarding his newly listed lot of monster high dolls ( XXXX for {$500.00} ). 

We arranged to have me pick them up on Wednesday XX/XX/XXXX but unfortunately I could not so he agreed to ship them. It would be {$500.00} and I agreed. 

I was concerned of scam so he told me he had a mercari ( https : XXXX? XXXX ) I messaged him there and he verified it was definitely him from XXXX. So I was assured he also sent a photo of his profile. 

We tried XXXX XXXX XXXX XXXX and XXXX. Eventually he gave me his phone number and I just sent it through Chase XXXX. I sent him the {$500.00} on XX/XX/2023 in XXXX separate payments of {$250.00}. 

He sent me a tracking number and kept me updated until today where his XXXX marketplace account is gone. I messaged him on mercari to which he told me it wasnt him and he thought I was talking about XXXX. The tracking number is stated to go to me but its just all over the place. 

I called but they said theres nothing they can do about it since I authorized. But there should be a way to track down who did it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction

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 2020-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
KOHLS/CAPONE XXXX Kohl 's is inaccurately reporting a 30 day late as of XX/XX/2020. I contacted Kohls to advise of my hardship due to COVID-19 and was told that I would not be reported late to the credit bureaus due to the CARES ACT. This is preventing me from getting the credit I deserve and I am in the process of buying a home. I have contacted Kohls and have spoken to several Managers that have told me they would send a letter confirming the correction and I have yet to receive the letter. Last manager I talked to was XXXX on XX/XX/2020. His Employee ID XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-24
Company: Spring Oaks Capital, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Spring Oaks Capital LLC has continued to openly participate in illegal debt collection, extortion, and racketeering with XXXX XXXX Spring Oaks Capital LLC has a non-certified copy of a contract purchased from XXXX, as well as a copy of an electronic image of a promissory note purchased with the intent to deceive with a security of the United States . I attempted to resolve this issue with them several times but they refused to cooperate. Their activities have created actual damage and have harmed my credit reputation and personal reputation. All I was asking is for a permanent removal from all consumer reports. Reference number # XXXX a

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10
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: Credit inquiries on your report that you don't recognize

Complaint:
I called all 3 credit bureaus about several inquiries that were not mine and a few that were duplicates listed in my report. I disputed these results and every time I call in they tell me there is no dispute. XXXX  told me I had to dispute directly with the company that did the inquiry. I sent notices to them and did not receive communication back. I updated XXXX on XXXX18 as well as Experian and XXXX  and was told they could not help me. I have 45 inquiries on my report and only 6 are mine and accounted for. All 3 credit companies will not aide me in the removal process.

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 2022-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Sent to XXXX XXXX XX/XX/XXXX I pray this message finds you well. I had an encounter with the Bank of America in XXXX of XXXX that derailed me and my business and I need to address it so we can come to a resolution. I was a small business client with the bank. At the time, I received a payment from a client who was not authorized to pay from the account used. I received the payment and used it to make purchases on behalf of the client. When the authorized user of the account reported their funds were used without their knowledge or consent, the bank charged back the funds from my account. I, at the time unaware of what happened, wasnt even given the chance to issue a refund. When this happened the bank made the business decision to close my account. When I asked to recall the funds from the payment I sent out, in order to recover my funds, I was told that there was an ongoing investigation into the account and that I couldnt recall anything until it was complete. I was told would be notified when it was done. I never received any correspondence about the situation until I finally decided to reach back out to the bank about 8 months later. In those months, still believing that my account was under investigation, I ceased my business activity awaiting feedback from the bank. When I reached back out I found out that the investigation was ended within a week of when it began. I was told that the 60 day recall period had lapsed and that I was no longer able to receive the funds I sent. I lost this money based on the negligence of the BOA and I was unable to recover the funds from the supplier who I am to this day unable to reach. I am currently looking to sue the bank for the payment ( XXXX ) as well as for the money that I should have made in the last almost two years ( minimum XXXX per month ). I was advised to send in this formal complaint before reporting to the cfpb and occ and suing the bank to offer the opportunity for the bank to settle out of court. I can be reached at this email address as well as by phone at XXXX. 

I look forward to hearing back from you, 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