BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Money from my debit card was being withdrawn from the local ATM consistently from XXXX without my permission totaling to {$3600.00}. I was at work and I received multiple text messages from Chase notifying me that money was being withdrawn at the time. When I was notified, I immediately called Chase with the number that was on found on the back of my card and filed a claim. I discovered that the withdraws took place from my local Chase bank ATM when looking through my account statement. Chase denied the claim stating that the ATM location is in my neighborhood and I have used that exact ATM in the past 6 months, thus they deemed that charges were valid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/2020, President Donald Trump declared a national emergency. I live in New York, and the number of cases in our state had already started to rise rapidly. I'm a high-risk individual who has XXXX, so I have been staying inside pursuant to Governor XXXXXXXX XXXX orders since XX/XX/XXXX. I'm an XXXX  who owns a XXXX XXXX, and I closed down my operations temporarily. I have not been able to afford to make payments on my credit cards. Both of my credit cards are with Chase. On XX/XX/XXXX, I first called Chase to ask if they could give me a forbearance on payments or a break on the interest rates charged. They told me they would call me back with more information. By XX/XX/XXXX, I had not heard from Chase. I called them, and they informed me they could do nothing for me. They wouldn't help with forbearance, or anything else, despite the fact that other credit card companies are providing forbearance to their consumers. We're in a time of national crisis and just passed a {$2.00} XXXX bill because our government knows how much we're struggling. I don't even know if I'll be able to feed myself next week, and yet can not get a simple forbearance from Chase on my credit card payments. This is outrageous, Chase must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit 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:
A charge of {$770.00} was made on XX/XX/2023 to XXXX XXXX # XXXX and posted to my Bank of America credit card on XX/XX/2023. I did not make this charge and I have never been a XXXX XXXX before in my life. I was notified of this because Bank of America contacted me regarding other fraudulent charges that were being made. I disputed this charge but was denied because they said the charge was made in the store even though I was in possession of the card. As I said, I have never been to a XXXX XXXX and I didn't make this charge. I then re-disputed the charge and was denied again.

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 2020-03-28
Company: EQUIFAX, INC.
State: MS
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 did not receive anything from this company stating a debt was owed. 

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 

The amount was paid and they did not remove this item from my credit report. I have called several times and get the run-around from all of their reps as to why this is still reporting as a collection. 

I disputed the item with Equifax and was told in a letter that the account was updated but it was not removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX of XXXX my mother passed away, In XX/XX/XXXX the remainder of my mother 's life insurance policy from XXXX XXXX was deposited into my CHIME account. As I was made the beneficiary of the life insurance policy I was not married so it was under my maiden name and deposited into my CHIME account under my maiden name. My CHIME account is under my married name but the check still was deposited. Life Insurance policy was deposited in my maiden name. It was then deposited into my bank account. I have had no problems or issues with cash deposits or withdrawals. All of sudden on XX/XX/XXXX I received an email from CHIME stating that my account has been suspended. CHIME has not allowed me access to close to {$20000.00} in my funds which I am entitled to. I have emailed to XXXX ; XXXX ; XXXX ; several supporting documents such as My Drivers License, Birth Certificate , Life Insurance policy showing policy and benefit amount, document showing my name as the Beneficiary and that the funds would be deposited into my CHIME account. 

I have contacted CHIME several times and have spoken to numerous supervisors which each call is all documented in their system and is all on a recorded call. Each time I speak to a representative they are not able to help in no regard and have to transfer me to a Supervisor, once a supervisor gets on the phone and ask me to verify the exact same information the previous representative has verified, Im still able to get no assistance. Each and every supervisor has told me that they will be escalating the ticket to a specialist, with theyre BACK OFFICE TEAM. Many times, I have been told that it would take 24 hours, dating back to XX/XX/XXXX ; then I will be told 48 hours, which 48 hours has surpassed, still no resolve. No representative or supervisor has shown any level of compassion, urgency, or desire to get this matter resolved. No one has even responded to the several emails that I've sent out to the email addresses above ; no one has been able to inform us when the issue would be resolved, no one has been able to tell us even the hours of operation at the headquarters located in XXXX XXXX in which I had to research via the internet. Ive been emailing CHIME beginning on XX/XX/XXXX as it relates to this matter in which a representative told me then if it didnt come from Chime.com dont respond, she also stated verbatim that Chime Outreach was not in her domain. Throughout all, this has caused me tremendous mental anguish and I have been in emotional distress. Any additional or supporting documentation that I may not present I have accessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: NV
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. 

Account : XXXX XXXX XXXX Account # 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 instruction.

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 2023-01-13
Company: Exeter Finance Corp.
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
The first problem is they pressured me and rushed me into signing the contract and they ran my credit through multiple people when i told them not to then when they found somebody they charged me a down payment and after i sign contract i notice my interest rate was super high they didnt explain none of that to me at all they was just more worried bout the down payment cash and me signing. The second problem is the car loan people which is Exeter Finance LLC the car beggining price on XXXX XXXX XXXX  when i got the vehicle it was {$17000.00} and since that date ive made 14 payments that added to {$6300.00} and its XX/XX/XXXX and the remaining amount is about the same as when i first purchased the vehicle which is only {$17000.00} i want to know why it aint went down none and my monthly payments is {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Bread Financial Holdings, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX continues to call me all day every day. They have called my employer, family and friends and have shared my information. They have threatened me many times. I have blocked them and they just call from a different number. I have asked them to stop many many times. There is no reasoning with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10
Company: Experian Information Solutions 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:
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 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 2020-03-28
Company: MOHELA
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DATE:XX/XX/2010 AMOUNT : {$1400.00} CALLED THE COMPANY AND INFORMED THEM THIS WAS NOT MY ACCOUNT AND THEY DINT HAVE ANY INFORMATION ABOUT ACCOUNT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 wrote them requesting an investigation into items that I believed were not right I have not received a reply from you or any acknowledgment that an investigation has begun.

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 2023-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Capital1 pottery barn rewards card. 
So company will always send a statement notification if I owe them money. ( I am set up for email notifications but there is not an option for any notification related to rewards. ) The company did not send any notification when rewards were going to expire so essentially taking my money/value without a proper ( or any ) notification. 
Had I known that {$660.00} would reduce to {$0.00} I absolutely would have made use of the rewards. 
I can only imagine this practice has resulted in $ millions of dollars taken from consumers. 

The agent on the line didnt have easy access to see past history to show activity. My experience is that cap1 sends you to pottery barn and pottery barn sends you to cap1 and round and round. The agent also said she didnt have an escalation process. 

I have the statement that shows the rewards. ( Can provide if needed ) Also the statement doesnt clearly show that the reward is expiring-you have to go to small print to get link to go to another site. 

Spoke to XXXX-nothing they can do. She ran past lead XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I made a credit card ( ending in XXXX ) purchase with XXXX XXXX {$2500.00} XXXX on XX/XX/XXXX. On XX/XX/XXXX, Capital One refunded this {$2500.00} per my request. On XX/XX/XXXX, XXXX, refunded the {$2500.00} back to my credit card account. On XX/XX/XXXX, Capital One made a credit adjustment to my account in the amount of - {$2400.00}. As a result, my reward balance reflects - {$30.00}. This is an unfair use of my rewards due to the fact that ( 1 ) I did not redeem my rewards and this has resulted in me ( 2 ) starting at a negative rewards balance. I reached out to Capital One, several times last week to resolve this issue. As of this date, the issue is not resolved. My resolution would be to adjust my reward balance to reflect accurate reward activity versus a negative balance due to the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reached out several times to the bureau to remove this erroneous item from my report. The bureau states that the item is verified. I have requested them to send me information on to whom they have spoken with at the company, when, and how. Without no response on how they verified the information as accurate.

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 2022-03-02
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022, at XXXX central, I received a call from XXXX XXXX at Guaranteed Rate Inc. regarding my mortgage application. Of the questions he asked me was about my health. I had taken 2 paid short term disability benefit leave of absences from work for reasons he did not need to know about, but he asked me about why I went on these leaves and if they were for related or the same illness. He stated that underwriting for the IDHA ( Illinois Housing Development Authority ) wanted to know. I thought this was very inappropriate and his tone of voice for this whole conversation was very condescending, and I tried to end the call as soon as possible. I will not be going with this lender for my loan, IDHA or otherwise, because of this discriminatory questioning.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying to get copies of my detailed credit report and score from XXXX, XXXX, and TransUnion since last year, but neither one of them was willing to send an actual report out to me. I even completed the standard free credit report request form for all three bureaus even though I was entitled to additional copies of my report since I'm in the middle of a credit crisis, but none of them sent me a report. This is unacceptable. I need a current copy of my detailed credit report and credit score from all three bureaus immediately.

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 2021-05-06
Company: EQUIFAX, INC.
State: DE
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 am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: EQUIFAX, 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:
This company did not provide me with the original application or contract bearing my signature like I asked. This company are violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company have also, no permission to report ANYTHING using my info pursuant to 15 USC 1681 4. Therefore, this company is unlawfully reporting this debt under my name to the credit reporting agencies, and must be removed. I am on active military duty status. I have rights under 15 U.S.C 1681, and SCRA. Equifax is govern by 15 U.S.C 1681. They have violated my rights numerous of times. I demand the accounts listed below be remove because according to 15 U.S.C 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts XXXX : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
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: Account information incorrect

Complaint:
I have reached out several times to the bureau to remove this erroneous items from my report. The bureau states that the item is verified. I have requested them to send me information on to whom they have spoken with at the company, when, and how. Without no response on how they verified the information as accurate. 
XXXX XXXX /// Charge off XXXX

Company response to consumer: Closed with explanation