BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
On XX/XX/XXXX I had attempted to purchase a XXXX XXXX XXXX   from a web site. I provided the merchant with my Capital One credit card and the charge appeared as a XXXX charge XXXX for {$99.00} After the item did not arrive for two weeks, I decided to track the package using the link provided by the merchant. I found out that the merchant had requested the package back, after it bounced to multiple destinations for 2 weeks. None of the destinations was my address, and I never received the package I e-mailed the merchant about this and notified that I never received the item. The merchant promised to reimburse me in full for the item in writing. I did some research on this merchant, and I found a web-site dedicated to scammer on the internet where I found people writing about purchasing from the same merchant and never receiving the item, and merchant just charging the credit card.

I never got reimbursed, so when I called Capital One in XX/XX/XXXXand spoke with a representative, I was transferred to the fraud department to tell whole story. Capital One had opened a fraud claim about this.

As a result, I got a reimbursement by Capital One for {$99.00}.

After few weeks, Capital One charged me {$99.00} again for this item. I called the fraud department again. The representative explained that the merchant provided them with an on-line confirmation about the purchase. They had advised to access the claim online and upload all correspondence between the merchant and myself, including the e-mail confirming the merchant promising to return the money.

I followed all the instructions and uploaded all documents Capital One went ahead and reimbursed me {$99.00} in XX/XX/XXXX.

In 2 weeks, however, Capital One placed {$99.00} charge again.

I called again ( around XX/XX/XXXX ), and spoke with a customer representative regarding this. He had explained to me that he will create another claim. He informed me that the previous claim was incorrectly created as a fraud claim, and that the fraud department concluded that it was not fraud in the end.

He had explained to me that the new {$99.00} charge does not need to be paid and new documents would be sent to my mailing address to dispute the latest {$99.00} charge.

After 6 months of going back and forth, I learned that the charge is still there, with a an additional interest charges and a {$25.00} fee for a late payment. I never received any documents to be filled out about the new claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on 09/20/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX. I been on the phone holding for XXXX hours and then today XX/XX/XXXX over XXXX hours trying to talk with someone in the credit department at XXXX. I was told that XXXX had my XXXX  loans, and they are the ones who reported my account was delinquent, but the person at XXXX stated that XXXX are closed. They did not communicate with me when my repayment period to started back in XXXX or XXXX. So I have delinquent reported on my credit, and they are closed. XXXX can not do anything about it bc I have to go back to the original loan XXXX loan people ( XXXX who transfer or sold my loan to XXXX ) to get it resolved bc it is XXXX mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-05
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Received an unsolicited credit card, Chase Visa Amazon Rewards.I have been told that the Fraud Security Dept. will not contact me even though I have requested an investigation. 
Also I want a copy of the credit application as submitted so I may see if clues exist as to the identity of the criminal.Otherwise I feel this is a bad move by Chase, much like XXXX XXXX, to increase business.I have spent hours attempting to research and control the damage, since Chase Fraud Dept. will not involve itself according to the employee I spoke with. 
I currently am a Chase customer, so my thoughts are that it was a Chase promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Within the next 15 days, I am obligated to update my credit reports. I am forwarding this complaint to you for the purpose of inquiring about the status of my previously submitted complaint dated XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES are mandated to expeditiously remove any items in the consumer 's file that the consumer identifies as information resulting from an alleged identity theft, not later than XXXX business days after the date of receipt. They are also required to eliminate any items listed on an identity theft report with the reference number # XXXX. Kindly review the items detailed in this complaint and the preceding XXXX : -- -- -- -- -- -- -XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX -- -- -- -- -- -- -XXXX  : XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX -- -- -- XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$37000.00} XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2018-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/XXXX. 2018, I realized I lost my CapitalOne Quicksilver credit card while in XXXX, XXXX. I reported the loss to CapitalOne. On XX/XX/XXXX, fraudulent charges ( 10 amounting to {$350.00} ) appeared on my online statement. I reported this to CapitalOne, which subsequently credited back {$430.00}. ( I called back to report discrepancy, but I was told it will be reconciled after investigation ). On XX/XX/2018, I got a call from CapitalOne informing me the case was resolved and no further action is needed from me. However I found out that the same 10 fraudulent items totaling {$350.00} reappeared as XX/XX/2018 entries plus {$6.00} as interest charge. I made several calls to CapitalOne between XX/XX/XXXX and XXXX to resolve issue. Each time I called, a different representative answered and asked the same questions. In short, I am given the run-around.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have disputed with the credit bureaus and Santander several times because they are showing on my credit report as debt transferred or sold. I also received something in the mail stating that Santander no longer has the loan and I do n't understand how the credit bureaus and Santander are reporting and updating my credit report showing late payments when they no longer own the debt any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
We ( XXXX and XXXX XXXX ) went to Chase Bank to open a CD account -- 4 % for 3 months -- on XX/XX/2023. We do not drive. Our daughter drove us. She helps us with our daily tasks and needs. Chase is our bank ; they had a good interest rate ; so we decided to stay with Chase, even though many banks have similar terms. We went to the XXXX XXXX, CA Branch on XXXX and XXXX XXXX to open the new CD. 

We THOUGHT we opened the account on XX/XX/2023. We were told at that meeting that the branch employee 's printer was not working, so she could not provide us with the paperwork. We did not consider that there was or would be a potential problem with opening the account, so we asked if we would see the account online. The branch employee said yes, so we left without the paperwork confirming the new account.

When the CD rolled over -- on XX/XX/2023 -- to a lower interest rate and a 74-day term ( as opposed to 3 months ), we started to investigate. It turns out that -- for a reason unknown to us -- the account wasn't opened until XX/XX/2023, depriving us of significant interest on the cash in the account. 

It appears that either a mistake or fraud occurred when we thought the account was opened on XX/XX/2023. So we made a new appointment. On XX/XX/2023, we talked to the branch manager and employees to investigate why the account was opened 15 days after our in-person appointment to open the CD. The branch employees claimed it was a mistake and that it would be corrected. On XX/XX/2023, we also talked by phone with the branch manager at another Chase branch in XXXX XXXX XXXX, CA because we no longer trust the employees at the XXXX XXXX XXXX. He investigated and also said it was a mistake by the branch employee. 

To date, even though both branch managers said the mistake would be corrected, nothing has changed in our account. It has been over two weeks. The interest that should have been added to the account starting with the date that we scheduled an appointment with the bank and opened the account ( XX/XX/2023 ) is not yet in the account, which amounts to approximately {$2000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-30
Company: LoanCare, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Tried to contact XXXX XXXX/ Loan Care ( XXXX Pacific time ) to get information on applying for forbearance or assistance. Spoke to " XXXX '' On hold for over an hour then disconnected after stating veteran requesting forbearance. Transferred to a message number with no service. Unable to sign in to account online and still on hold with 2 phones and both companies. Unable to retrieve forbearance documents online without signing in, however the system is not recognizing account and will not let us change our password to retrieve or submit the forbearance form due by the end of today. XX/XX/21 XXXX XXXX Pacific time.

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-05-16
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was contacted by Ability Recovery services in regards to a debt that is said to be owed by me From XXXX XXXX the original company who filed the claim. I have never received any services from XXXX XXXX and furthermore I have no business with Ability Recovery Services. I contacted Ability Recovery Services on XX/XX/XXXX in regards to a collection letter disputing the matter. Until date I have not received any correspondence back. On XX/XX/XXXX I sent a follow up letter to the disputes department informing them that I have not received any response and per the Fair credit act they were now out of compliance.

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-11
Company: Experian Information Solutions 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:
The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts. 
For yet another time, my personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts. 

Below are the fraudulent charged accounts that I need to be removed Asap : XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$6700.00} XXXX XXXX Opened Date XX/XX/XXXX, Balance {$65.00} I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a vehicle loan through XXXXXXXX XXXX XXXX XXXX that I opened in XX/XX/XXXX. I first became late on payments in XX/XX/XXXX and i voluntarily surrendered the car to them in XX/XX/XXXX. However, American Honda is not reporting the information to XXXX correctly. Honda did send me a payment history and it does show that the loan became late in XX/XX/XXXX. Per FCRA law this item should be removed from my credit report already due to the 7 years requirement from the date of first delienquency. But because Honda keeps advising that it was XX/XX/XXXXor XX/XX/XXXX XXXX will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-09
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Someone has fraudulently opened an account using my details and all three credit bureau agency are still reporting this charge when its not mine. 
I have called all credit agency XXXX XXXX and XXXX but they arent assisting me at all. 

Name and address of the account in collections is XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Amount is {$300.00} When I called the credit agency they ask me if I have been to this place and state I clearly tell them I have never been out of New York and not have this account out of New York.

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Inaccurate information and company has paid of accounts by insurance companies and I would like them removed immediately TransUnion XXXX 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 2019-04-11
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
My Dad, XXXX XXXX, of XXXX XXXX, XXXX XXXX, Mi died on XX/XX/2018. He had a lease with XXXX. Within two weeks we dropped off the car at the dealership. Unfortunately, the lines were down the day the salesman tried to dock the vehicle with XXXX. He did not give me a receipt. 

We didn't think anything of it because we knew the car was turned in. Then they continued charging the lease payments for several months after and have stated that my XXXX 's estate owes the remaining balance of the lease. 


We have attempted to contact GM financial on many occasions to have this resolved. Every time they say " You're set '' and yet we still have this unresolved. So I am reaching out to get this taken care of. Our father has passed away, there is no reason they should not have taken care of this. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I placed XXXX order back in XX/XX/2022. Phones were purchased and than returned to XXXX immediately in upcoming days. XXXX refunded the whole amount to me. Later after few weeks XXXX bill showed up for {$82.00}. I called and XXXX removed {$82.00} as order was returned and balance was XXXX. Since 2022 XXXX account XXXX on my credit report show as paid after payment late/collection account. This is absurd. This account should not even be on my report as this account was closed due to me returning the order and XXXX made me sure balance is XXXX. I have attached order detail which show order place confirmation and refund confirmation. I would like to request credit bureau to remove this account from my profile immediately. This does not belong on my credit profile by any means. Credit bureau should contact and they will says no balance is due and no balance was ever paid because this order was returned to them. So please remove this XXXX wireless account ending in XXXX effectively immediately. Look up for attached order /account details for more info. There is only XXXX XXXX account on credit report. So remove it. Thanks.

Company response to consumer: Closed with non-monetary relief