BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
After receiving my statement in XXXX, I noticed approximately {$10000.00} in charges from a service called " XX/XX/XXXX'' spanning the months of XXXX and XXXX. 

I have used XXXX XXXX, in the past, to purchase 2 domain names and apparently my credit card was saved in their system. The first purchase was in XXXX of XXXX ( see attached : XXXX ) and the second in XXXX of XXXX ( see attached : XXXX ) I point this out because Chase says, because I've purchased 2 domains totaling less than {$90.00} each in the past that the XXXX XXXX dollars of purchases during the months of XXXX and XXXX of XXXX are not fraud. The only reason the charges stopped is because I reported my credit card as stolen at that point and a new credit card was issued. 

Here 's what happened. My account on XXXX XXXX was hacked. The contact information changed such as email address and login information. I can not login. They used the saved credit card on file to purchase approximately {$10000.00} worth of services from XXXX XXXX, I don't even know what they all are, maybe domain names. See attached for my credit card statements : XXXX and XXXX. 

I reported this as fraud as soon as I saw it on my statement and have been back and forth with Chase for months disputing the charges and escalating the dispute. They sent a final determination letter ( see attached : XXXX ) saying they found that it wasn't fraud in their investigation. 

They said they tried to contact XXXX and since the charges were made " from my account '' ( of which I have no access to anymore ), they stand by that they are valid BUT they won't provide any information like ... what were the domain names purchased? who owns those domain names? Which if they did provide that information it would PROVE I DON'T own them nor am I associated to them in any way shape or form. 

I don't know what to do! This is not a {$20.00} dispute this is XXXX XXXX dollars of fraudulent charges. I'm just appalled that after being a customer of theirs for over 15 years with a spotless history of credit they would not work with me and honor their commitment to protect me against fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have asked all 3 credit bureaus to investigate an account that XXXX XXXX added to my credit reports. 
In accordance to the Fair Credit REporting Action, Section 609 ( a ) ( 1 ) ( A ), I requested by federal law the verification i.e. through the physical verification of the original signed consumer contract for the account. To date I have not seen or been provided evidence of such. I request to see some verifiable proof which would include an Original consumer contract with XXXX XXXX. The failure to properly verify this account has negatively affected my credit. I respectfully ask that this account be removed immediately. 

In addition, please provide me with verified documents where XXXX XXXX purchased an account which it states that I owe. I have no evidence or documents where XXXX XXXX holds any debt that I may owe. 

Lastly, please remove all non account holding inquiries over 30 days old and add a promotional suppression state to my file as it concerns this XXXX XXXX account.

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 2022-12-21
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:
XXXX XXXX XXXX Account Number : XXXX I am a victim of identity theft this is not my credit account. 

XXXX XXXX Account XXXX : XXXX I am a victim of identity theft this is not my credit account. 

XXXX XXXX Account XXXX : XXXX I am a victim of identity theft this is not my account. 

Employers : XXXX I am a victim of identity theft this has never been my employer. 

Also Known As : XXXX XXXX I am a victim of identity theft this is not my name. 

Employers : XXXX XXXX XXXX XXXXXXXX XXXX am a victim of identity theft this has never been my employer. 
XXXX XXXX XXXX XXXX TX XXXX I am a victim of identity theft this has never been my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Caliber Home Loans, Inc.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am writing this letter to file a complaint with being forced to refinance my VA loan through you due to an IRRL Seasoning Violation by Caliber Home Loans. I was contacted by the following individual today XX/XX/20 via phone. Please keep in mind, I had not received anything in writing prior to this call that spelled out the issue and he did not seem overjoyed to have to explain Caliber Home Loans XXXX up, and when I asked for this to be sent to me in writing. 

XXXX XXXX XXXX XXXX XXXX ) Loan Consultant Caliber Home Loans, Inc. ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX As I questioned him on the call about this, you could tell by his tone he thought I should be happy with this and did not like the questioning. However, I was not pleased with this at all. Not only did he tell me I would have to have a hard hit put on my credit report ( The loan before for the IRRL did not require this ), that I would also have to extend my loan back to 15 years again ( adding 8 months back to my loan ). And above this, I will need to send in all the documentation and paperwork for taking out a new loan all over again, along with having to meet with someone to sign everything in 45-60 days ( who wants to do this with the Coronavirus ). So, you can see my frustration. He made me feel like I was being taken today for someone to get a commission of a new loan. I really hope this is not been the case. 

Needless to say, this has left a bad test in my mouth for Caliber Home Loans. After the call, I got out online and read about this topic, so I could be well versed on. I know that all fees for this are to be absorbed by the lender and a cure at no cost to the borrower ( he told me on the call today he would have to check with management to see if Caliber was willing to absorb the cost ). I also have not found anywhere that states a hard inquire has to be done at the borrowers expense and this should be removed from my credit reporting. 

For the life of me, I do not know how I was able to refinance the IRRL loan with as many hands in the pot and no one catching this. Especially with the requirements for the seasoning period of either 210 days from the date of the first payment or after the sixth monthly payment ( whichevers longer ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$940.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, 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 2022-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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 balance transfer

Complaint:
A problem back in XXXX XXXXand continued : Facts : I had a balance for $ XXXX with XXXX interest promotion that was expiring on XX/XX/XXXX. 

I requested another $ XXXX balance transfer promotion on XX/XX/XXXX for 1.99 % interest that expires on XX/XX/XXXX with a balance transfer fee of {$270.00}. 

I paid on XXXX XXXX, and XXXX of XXXX the $ XXXX balance that was expiring on XX/XX/XXXX. 

What happened in XXXX Statement : The bank took my XXXX payment of $ XXXX and applied it against the $ XXXX " just requested balance transfer '', and not against the expired promotion. 

I was charged 19 % annual rate fees monthly from XXXX of XXXX until now. Total interest charges to date are about $ XXXX. 

Called customer services many times with no solution, and was told it is what it is. The bank applied for your money the way it did.

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 2022-02-14
Company: VW Credit
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received reputed calls from, XXXX, XXXX XXXX XXXX XXXX They state their file number for this debt is XXXX. On 5 separate occasions they have called and I have requested to receive verification of the debt and what the debt is for. They have called dozens of times, but I have only answered 5 times. They have twice given me an email address ( provided by XXXX XXXX XXXX on XXXX XXXX 2021 ) I am required to email to request this information. I have twice emailed this email address ( XXXX ) and requested the information and have not received a response back. I received another call on Wed XXXX XXXX at XXXX XXXX and asked to be removed from their call list. The agent said he would remove me from the list and I told them any further correspondence via email or postal mail was fine, however I did not want to receive any further calls until they had provided me proof the debt which they still have not done. Today ( XX/XX/XXXX @ XXXX XXXX ) I received another call from XXXX after I have requested them to stop calling. I answered and explained the situation to the agent who did not give his name and he was very defensive about why I was not removed from the list. I told him at this point I have requested proof of the debt multiple times and they have refused to provide it and have not removed me from the list as requested. I told them I will be filing a complaint with your agency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-20
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:
Experian stated they mailed a reinsertion letter the following day but I never received it. I would like a copy of the reinsertion letter that was mailed to me stating that XXXX, XXXX XXXX and XXXX XXXX XXXX was reinserted. If they can not provide a copy of the reinsertion letter as proof I am requesting these item be removed from 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 explanation
Consumer complaint received 2020-09-21
Company: Garcadia Financial LLC
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/2020 I refinanced my vehicle loan with Foursight Capital based in XXXX XXXX XXXX, Utah through my credit union. The credit union processed the refinance in the amount of {$20000.00} which was the payoff amount that was valid through the XXXX of XXXX as per Foursight Capital 's website. I called Foursight on XX/XX/2020 to inquire why they had not yet applied the check to my account. The customer service representative said that they received the check on XX/XX/2020 but would not process the check because there was a discrepancy due to the seven days interest between the date of the payoff amount and the day the check was received. It has now been an additional four days. They did not let anyone at my bank or myself know that they had received the check and are now demanding I pay the additional four days of interest, even though the check was received on the XXXX. I am prepared to pay the seven-day difference, due to the check not being received until the XXXX, but feel it is completely unfair to be held responsible for any amount after the XXXX since they received the check and have not and refuse to credit my account so I can pay the difference. I have been logging in every day to see if the payment had been applied so I could finish paying it off, but they refuse to credit my account for the amount of the check the received from my credit union, thus charging an additional four days of interest when they have had the check in their possession without crediting it to my account or letting anyone at the credit union know or let me know they've received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  of Maryland will not respond to any phone calls or emails regarding incorrect information they have filed with credit bureaus. They have filed a collection that has nothing to do with me. I do not own a construction company in MD. Someone else has used publicly available info on my business and now it is resulting negative info in my personal credit profile

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 2022-12-21
Company: Business & Professional Collection Service Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with HOSPITAL COLL SVCS XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I disputed this account with XXXX 3 Times And they keep saying is accurate, I wrote them requesting a method of verification for this account, they said hospital collection services keep saying is accurate and they wont provide them with any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for the Public Service Loan Forgiveness Waiver program in XX/XX/XXXX. My non-profit former employer submitted several erroneous employment verification forms but eventually submitted an accurate one in XX/XX/XXXX for dates of employment XX/XX/XXXX, XXXX XXXX, XXXX. My loans were transferred from XXXX XXXX to Mohela with an incorrect qualifying payment count of XXXX when I am well over the required XXXX and am entitled to a refund of over {$9000.00} for the XXXX additional payments I have made. I resubmitted the PSLF waiver application with correct signed employment verification form dated XX/XX/XXXX after the loans transferred to Mohela and my qualifying payment count remained at XXXX. It has been exactly 91 days since Mohela confirmed receipt of the application while the form continues to be " processing ''. Calls to Mohela with hold times greater than 2 hours supply me only with confirmation of receipt and processing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02
Company: Experian Information Solutions Inc.
State: AL
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 have disputed this item twice this year, experian continues to update the dispute as accurate not making any changes. I tried to contact the creditor at the the phone number and address listed on my credit report as contact information for XXXX XXXX. The address in in accurate, the phone number when answered is XXXX XXXX -- told by XXXX XXXX that they purchased XXXX XXXX and that they have no information in their system in reference to me, that the account was paid and never late when no longer in their system. 
I pay for credit monitoring thru experian and have called experian and called experian and they continue to ignore this situation. Experian is not complying with federal law, they have no proof of the account only a statement, they do not provide me with accurate information to contact the creditor, etc. 
Credit Report # XXXX Account NameXXXX  XXXX XXXX # XXXX Account NumberXXX Account TypeNote Loan ResponsibilityIndividual Date OpenedXXXX StatusClosed. {$450.00} written off. 
Status UpdatedXXXX Balance {$0.00} Balance Updated XX/XX/XXXX Recent Payment AmounXXXX $ 0 Monthly Payment {$65.00} Original Balance {$450.00} Highest Balance {$0.00} Terms 7 Months Payment History show tooltip button Tap a month for more informationShow payment legend XXXX XXXX CO XXXX CO XXXX CLS APR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX XXXX XXXX XXXX OK APR OK XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO Historical Info First XXXX Original CreditorXXXX XXXX   XXXX Creditor Info Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Comment show tooltip button Purchased by another lender. 

Reinvestigation Information This item remained unchanged from our processing of your dispute in 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 2021-01-25
Company: EQUIFAX, INC.
State: NC
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 Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
The company Experian is not responding to consumer feedback emails. They are not reachable via telephone..

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 2019-04-07
Company: GLA Collection Company, Inc.
State: KY
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 agreed to pay this debt off for a lesser amount and the company was suppose to remove this off of my report because I no longer owe nothing or any corporations this debt was prepaid off!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I submitted a payment to Kohls Department Store through their website. This would have paid off my balance in full. I received a confirmation email stating the funds would be  processed on XX/XX/XXXX. About XX/XX/XXXX, I received through the U.S. mail a statement that my account was paid in full, and I owed XXXX funds. Soon after that, I started to receive phone calls morning, noon, and night, and on weekends from Kohls telling me that I still owed money on the account. I informed them that I received TWO pieces of confirmation that the account was paid in full, and that as by law, those were legally binding acknowledgments. They continued to call me and say that neither confirmation was valid proof of payment, even though they had come from their payment  center. As of today, Monday, XX/XX/XXXX, I have contacted Kohls again, requesting that they stop the excessive amount of phone calls, and that they finally get their accounting corrected to reflect that I have a XXXX  balance. After they agreed to stop the calls, I received another one. Then they refused to update my account, and insisted that I had NOT paid them and I still owed them money. After going back and forth on how statements, both electronic and paper are proof of payment, they denied this, and said those statements were not proof of anything. I need help.

Company response to consumer: Closed with explanation