BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
CHASE. CC XXXX 1. Violation- Card Act SEC . 106. RULES REGARDING PERIODIC STATEMENTS. 

ISSUE : Billing Statement with a billing cycle schedule closure date of XXXX XXXX actually closed on XX/XX/XXXX and incorrectly reflects a closure date of XX/XX/XXXX ( DECEPTIVE TRADE PRACTICE ), This specifically resulted in consumer incurring an additional finance charge, increased card balance and negative impact on credit score because scheduled payment on XX/XX/XXXX of {$150.00} was not applied to consumer credit card account. 

2. Violation of CARD Act SEC. 104. 164. Prompt and fair crediting of payments. 

ISSUE : Chase failed to apply payment of {$150.00} on XXXX XXXX and did not provide warning/prevent at time of scheduling payment that payment could/ would not post on XXXX XXXX but until Monday XXXX XXXX XXXX. This resulted in consumer incurring an additional finance charge, increased card balance and negative impact on credit score because scheduled payment on XX/XX/XXXX of {$150.00} was not applied to consumer credit card account. 

First Chase contact date : On XX/XX/XXXX. I contacted Chase and Chase supervisor indicated that my pending payment XX/XX/XXXX for {$150.00} could be applied against my current statement balance. The balance could be reduced by the pending amount. 

Second Chase Contact Date : On or about XX/XX/XXXX, contacted Chase Chase supervisor indicated that my payment XX/XX/XXXX for {$150.00} applied on XXXX XXXX was correctly applied and billing statement that closed on XX/XX/XXXX and reflects closure date XX/XX/XXXX was valid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: RI
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:
The following inquires I do not recognize : XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
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: Information belongs to someone else

Complaint:
I AM VICITM OF AN IDENTITY THEFT, PLEASE SEE THE ATTACHED IDENTITY THEFT COMPLETED AND VERIFIED BY ME. SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT, THE CHARGES ARE FRAUDULENT, AS WELL AS THE ACCOUNT. SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE. PLEASE MY REQUEST TO YOU IS TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Capital Markets Cooporative, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/18, I called XXXX XXXX, Serviced by XXXX XXXX Servicing, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, to ask for the final total amount to pay off my mortgage, I called at XXXX AM. The gentleman I spoke with said he could not give me a payoff amount, said a supervisor would email me an amount within 2 hours. At XXXX PM I hadn't received a email so I called again and again was told they could not give me a payoff amount. I said, you have asked me a lot of personal information ( SS #, loan #, name, address ) and still you can't give me a payoff amount? 
I asked to speak to a supervisor and was told that none are in the building?? I said there isn't one supervisor available in the entire building available for me to speak to and was told no. I don't understand how this company can do business like this and why I just can not be given my total amount of the mortgage so I can pay it off. This to me says something is wrong and why are they hiding my information from me? Please see if you can help me or if you could direct me to someone who can because this whole thing seems very fishy. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian received my correct personal information along with identification correspondence per USPS certified tracking # XXXX on XX/XX/2022. Pursuant to 15 USC 1681, credit reporting agencies have to report accurate and up to date information, and Experian is in direct violation of this. Per my letter, I demanded Experian to delete all incorrect and inaccurate personal information and XXXX XXXX I received the dispute results, and Experian is still reporting incorrect and inaccurate personal information. 
Pursuant to 15 USC 1681a ( 1 ) this grave error has undermined my confidence in your companies procedures, and as a result of this I will no longer be extending credit, and if this information is not removed I no longer want my information reported in your companies database. 
Pursuant 15 USC 1681a ( 2 ) - your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. 
Delete this inaccurate and incomplete information immediately from my consumer report. If not deleted, my next step will be litigation.

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 2022-07-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. XXXX, XXXX, XXXX, has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

According to the 15 U.S.C 1681, Section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The pandemic of covid 19 hit and my husband and I both lost a huge amount of our income. I explained this to the loan company and asked for an extension. They repossessed our vehicle, vandalized and stole our personal property from the vehicle and sold it. They are reporting a balance late every month on our credit report. This is impacting us severely in the mist of a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
JP Morgan chase did not put the proper hold on a deposited check, subsequently making us believe that the check had cleared. After 3 days the check was returned for closed account. After speaking to an account supervisor, I was informed they didnt do a seven day hold because I had plenty of funds in my account. Long story short we where victims of an elaborate scam, theft by deception. Perhaps deposits should be the same process despite the amount in your bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-26
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
There is an inquiry from XX/XX/2019 on my credit report from SYNCB National Credit Cards/Airlines that I did not sign up for. I do not have a card or account with this company. I called the creditor at XXXX that was provided to me through XXXX XXXX. When I called they stated they already submitted a request for removal and that it was an incorrect inquiry. Then they stated in order to get it completely removed I needed to call XXXX Credit Bureau. I called them at XXXX and the phone lines were busy every time I called.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.

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 2021-11-14
Company: EQUIFAX, INC.
State: AZ
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:
Hello I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe i may be a victim of Identity Theft, as I didn't approve any information to be used in my name. I am requesting that these fraudulent items be deleted from credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not review any notification or alerts to my credit being ran for these accounts which is concerning. These fraudulent items are reporting in accuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft my identity to the Federal Trade Commission Identity Theft affidavit in regards to this incident. I additional, I have attached a PTF document reflecting all items that were found to be unauthorized by any such

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Filed a complaint with Capital One with the CFPB on XX/XX/XXXX after they froze all my accounts and withdrew my remaining funds of {$7200.00}. 

XX/XX/XXXX Capital One formally responded with : " Records confirm that the accounts received an XXXX XXXX loan on XX/XX/XXXX for {$12000.00} and an XXXX on XX/XX/XXXX for {$1000.00}. These proceeds were deposited into consumer accounts with no established or registered business. The accounts were restricted on XX/XX/XXXX and investigated. A business decision has been made to return the funds to the XXXX and to close the accounts. '' My loan from the XXXX was a XXXX loan for {$12000.00} NOT A XXXX LOAN. 

On XX/XX/XXXX I contacted XXXX, XXXX, XXXX, and XXXX. I was promptly ignored and did not receive a reply. 

On XX/XX/XXXX I emailed XXXX with my loan agreement, real estate license certificate and my XXXX Tax Returns. These documents were ignored and I was never contacted by anyone from Capital One. 

On XX/XX/XXXX I contacted the XXXX XXXX XXXX XXXX XXXX at the XXXX to confirm receipt of the {$7200.00} that Capital One has claimed to returned. 

XXXX formally responds with " To date, no proceeds have been received and applied to the XXXX loan. '' It is now XX/XX/XXXX. It has been nearly 60 days since Capital One has claimed to returned the {$7200.00} back to the XXXX. The XXXX still has no record of it and I am still building interest on the full amount of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Phoenix Financial Services LLC
State: CA
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:
Fraudulent account. Opened without my knowledge, consent or authority. Company agreed to delete it from my report due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Comerica
State: MO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On the morning of XXXX XXXX I called the number on the card to gather my balance and it was {$15.00}!!! I then went on the web page and discovered that, from XX/XX/2019 thru XX/XX/2019, a company named XXXX had fraudulently did 22 cash transactions ( including international purchase fees ) that were debited from my card, two of them were pending ( TOTAL {$400.00} )!! I called the Fraud department at Comerica Bank, reported everything and they will be sending me a new card and a Fraud Packet to be completed by me.I mailed a written letter today that they encouraged me to do and they had also stated that all the transactions were made on the internet. They also said that it will take up to 90-days to complete the investigation yet I need to pay my bills!! Someone or something committed FRAUD and IDENTITY THEFT on me!! HELP!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Ive filed an identity theft with FTC and sent all supporting documents to TransUnion & XXXX First letter was in XXXX and I have sent 5 letters including copies of the fraud report and they still have not removed this item 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 2022-07-19
Company: EQUIFAX, INC.
State: DC
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:
NOT A DUPLICATE COMPLAINT : On XX/XX/XXXX, I the consumer notified all 3 consumer reporting agencies ( XXXX, Equifax and XXXX ) of inaccurate and unverified information on my consumer report that was fraudulently furnished without prior consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. ALSO, never investigated pursuant to title 15 USC 1681a ( e ) -investigative consumer report. Equifax, XXXX and XXXX failed to Investigate the first time witch is a violation of the FCRA, pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Equifax, XXXX and XXXX failed to Investigate the first time according to federal law ( FCRA ). Equifax, XXXX and XXXX HAVE NOT conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, IF SO, I HAVE NOT BEEN CONTACTED AT ALL IN REGARD TO WHO DID YOU INTERVIEW TO VERIFY THESE ITEMS AS ACCURATE?? XXXX KEEPS ASKING I THE CONSUMER FOR PRIVATE LOCATION INFORMATION IN ORDER TO INVESTIGATE and that's a violation of the FCRA as well. Equifax, XXXX and XXXX are committing XXXX and Identity theft. The CFPB nor I the consumer can contact nor locate these fraudulent companies US DEPT OF EDU # XXXX both accounts that Equifax, XXXX and XXXX furnished to my consumer report fraudulently. I demand both accounts # XXXX be deleted Immediately from all 3 consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 usc 1681n and title 15 usc 1681o ) regarding the continued willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions 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:
Hello, I recently noticed fraudulent activity on reports. What I have found has led me to believe that I may be the victim of identity theft as I did not approve any information to be used in my name. I am requesting that these items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being run. I did not receive any notification or alert to my credit being run for these accounts which is concerning. These fraudulent items are reporting inaccuracies which are directly impacting my relationship with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident.

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 2022-07-19
Company: EQUIFAX, INC.
State: FL
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've been excising my right with the 3 credit bureaus ( XXXX, XXXX and Equifax ) they all claim that they've done investigations. The problem with that process, is that they never contacted anyone in my family or any of my neighbors. In XX/XX/2022, I sent letters to the the 3 bureaus about Unauthorized inquiries. They were furnishing on my credit report, XX/XX/2022. The XXXX bureaus got a copy of my complaint that I started with the CFPB, which an investigation was started again. XXXX wasn't furnishing the Information on my credit file, but XXXX and Equifax were. XX/XX/2022, XXXX deleted the inquiries that are in dispute. I have entered them as evidence, I reached back out to Equifax showing them that, XXXX has deleted the same inquiries they are claiming they verified and XXXX hasn't posted at all. These inquiries are hurting my probabilities of obtaining a Loan for my house. XX/XX/2022, I was denied by multiple institutions because of these Unauthorized inquiries. I've done everything Equifax told me to do and still, they are not doing what they are suppose to do by law and delete the unauthorized inquiries.

Company response to consumer: Closed with explanation