BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-01
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
I booked 2 rooms at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX ) on XXXX for my family. The reservation was under my father 's name of XXXX XXXX and we paid using my, XXXX XXXX XXXX, Chase credit card. The hotel stole my, XXXX XXXX 's, credit card information when we were paying for our 2 hotel rooms. They used my credit card and charged me an additional {$2200.00} for someone named XXXX  XXXX, who stayed at the hotel for 20+ days. Immediately when I saw the charge I called and spoke to the manager at the hotel, XXXX, who told me there was no charge under my name of {$2200.00} or any other charge as such. Later when he was on a recorded line with my credit card company, Chase, as they were doing a fraud investigation he admitted he found a charge of {$2200.00} under a man named XXXX  XXXX. I do not know who XXXX  XXXX is and how the hotel was able to get access to my credit card information to charge another guest as my credit card never left my possession. Per hotel receipts, XXXX  XXXX checked into the hotel at XXXX XXXX  on XX/XX/20 and our two rooms under XXXX XXXX were checked in at XXXX XXXX  and XXXX XXXX, 10 minutes after XXXX  XXXX checked in. The hotel insists that my card was used to check in the reservation under XXXX  XXXX but that is not possible as he checked in before us and there is no CCTV footage or proof of signature that I authorized my card to be used to check him in. My card never left my possession through this entire process. I have filed a police report against this hotel and XXXX XXXX as well. My credit card company, Chase, has closed the fraud investigation twice without contacting the hotel or providing any proof of signature. They keep saying my card was inserted into the chip reader but have not pursued any investigation as to the fact that the bill is for someone I do not know.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-07
Company: CITIBANK, N.A.
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:
I have contacted citi bank in XX/XX/XXXX to initiate a dispute against the autobody shop. The body shop returned the car to me without providing any services and they never issued the refund for the amount they charged my Citi bank credit card. I tried to call them multiple times regarding my refund but they never answered my calls. So I decided to dispute the charge with my bank because the merchant never provided any services to me. On XX/XX/XXXX I received a mail from Citi bank which I have filled and signed as instructed. After that I have never received any communication from the bank. On XX/XX/XXXX I received a letter from Citi bank advising me that they REFUSE to intervene on my  behalf with the merchant and their bank and I would need to seek other means to resolve this dispute. 
This is shocking to me as bank did zero efforts and never contacted the merchant to help its customer in their dispute. I dont understand why the bank is refusing to file a chargeback with the merchant and request the merchant to provide documents and information for the amount they have charged. In this 2 month Citibank did nothing to help me to resolve this case and never contacted merchant or the merchants bank to find out for what their customer was charged for. I disputed the charge as the services never provided and citi bank never provided to me with any proof that the merchant provided any services to me. According to Fair Credit Billing Act and VISA and Mastercard regulations Citi bank is obligated to contact the merchant and their bank to receive a chargeback as the merchant never provided any services to me. Now Citi bank is not acting in good faith and is refusing to support their customer and refusing to follow their responabilities in this matter. I am going through this nightmare because citi bank does not want to do their job and contact the merchant to see for what reason my account is charged for XXXX  USD as the merchant provided no services to me. I have never received any other communication or help from citi bank besides the letter they sent to me on XX/XX/XXXX. 
I am attaching Fair Credit Billing Act to my complain too.

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 2018-05-07
Company: FIFTH THIRD FINANCIAL CORPORATION
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 status incorrect

Complaint:
can not qualify for loan because information on my credit report is not accurate. The delinquencies have all been cleared up but my reports do not reflect any of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have an unknown inquiry from ALLY FINANCIAL

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 2018-06-25
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: Information belongs to someone else

Complaint:
Last month, on XX/XX/2018 I submitted my dispute for fraudulent closed accounts on my credit report. Unfortunately, those accounts have not been removed. 

Last week, I obtained my Identity theft report and submitted it with my dispute along with, FCRA section 605 ( b ), a copy of my credit report, and proof of identity.

I still have not heard from the bureau regarding my dispute last month.

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 2018-06-25
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2018 I realized that I had a debit that was pending that would cause my account to be negative it showed the account was negative XXXX all other transactions were already pending and had been deducted from my balance. Within minutes of realizing this I immediately transferred funds from another regions account to put my account back into the positive and actually made sure I had at least XXXX or more so I didn't have a lose balance. Regions has said on many occasions that transactions are posted at midnight this was XXXX when all this took place so there was plenty of money to cover the negative XXXX. At midnight on the XXXX the account was not in the negative it had money to cover everything but I was still charged an overdraft fee on the XXXX now what is the point of having another account to transfer money from if your still going to charge an overdraft fee even though the money was in the account? This makes no sense there is no point in offering transfers if it does no good and regions still takes what they want anyway. I've read over XXXX complaints for this exact thing happening with regions at what point is the scamming going to stop. I'm to the point that it maybe time to find a more honest bank who conducts business the honest way. This isn't the first time this has happened after the last I told my wife I would handle all banking just to see for myself what was going and was appauled to see that they are actually doing this to customers.

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 2018-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested a full validation of bankruptcies Appearing on my credit file to the credit reporting agencies according to the Law, but they had not complained and these unverified item still damaging my credit worthiness. 
They need to delete unverified items according to FCRA section 609. 
Please help me to clean this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I, XXXX XXXX elect to dispute an outstanding debt of {$13000.00} issued by Real -Time Resolutions, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX TX XXXX customer service XXXX. Account XXXX, This loan states that a 1995 XXXX was used as collateral. I have the XXXX pink slip and a notarized signature in the release form the original loan. The car has been since sold. 

In a response from Real time stating that they purchased the loan from XXXX for whom acquired the loan from XXXX XXXX. 

These companies, LLC 's that have changed there name over the past 30 years such as XXXX XXXX  to XXXX XXXX XXXX XXXX to XXXX XXXX, to XXXX XXXX  to XXXX XXXX etc. I currently pay XXXX XXXX   and on an outstanding debt close to the same amount monthly. 

My issue is how can a company release a vehicle with suht an outstanding balance. 
Me personally I believe in the mist of all these conversions and name change that a second or third party company acquired this loan. I feel. so violated and this is causing such harmful effects on my credit report and retirement. I need to purchase a new roof for my home of XXXX   years. 

Please help me in searching for the truth. I can't imaging walking away from a {$1300.00} debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Thank very much. 






















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Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
State: OH
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:
My name is XXXX XXXX XXXX my DOB is XXXX SS XXXX my current and only address is XXXX XXXX XXXX XXXX , XXXX, OH XXXX. I have some issues with my name appearing on my credit report incorrectly my on name should be XXXX XXXX XXXX, please remove any other variation of my name. I have several addresses showing that are not mine they are not accurate please delete the following : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX It could be possible maybe a Ex Spouse address that I am not associated with.

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 2021-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I was at Khols store last Thursday XX/XX/2021, I was doing shopping & when I finished & went to the cashier ..The lady asked me to get a credit card for more discount I assured with her that this credit card is gon na be with a soft inquiry not a hard one. 
The lady confirmed that its gon na be a soft inquiry 3 times Unfortunately I found out that this store made a hard inquiry & the lady made fun of me & she kid me I contacted Khols & all what they said they apologised & said they have nothing to do.., In addition I contacted XXXX as a bureau, they asked me to call Khols again I did & received the same apology as before .. 

So please Im in a tight situation as Khols reduced my credit score down & this inquiry is gon na be on my credit report for 2 more years.., Please I want to remove this hard inquiry which I was deceived by. Even if you are gon na close this Khols card completely I don t want it. 

I have the receipt from the store with the date & the time. 
They can also check the cameras at the store to see my discussion with the lady at the cashier when she confirmed that its gon na be a soft inquiry My name is XXXX XXXX My phone is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-30
Company: EQUIFAX, INC.
State: CA
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:
eqyuifax customer service would not help and take care of the negative inquiries reporting to my credit report XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX   XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX   XX/XX/XXXXXXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Department of Education/XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX Acct # they could not provide XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2020-07-29
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Company Inquiries : 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 2021-06-02
Company: DISCOVER BANK
State: UT
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 received an email XX/XX/XXXX from Discover offering {$45.00} back when I activated a new membership using my Discover Card before XX/XX/XXXX. XXXX. 

I activated the membership on XXXX XXXX, XXXX in store using my Discover Card as directed in the email cited above. I told the XXXX XXXX associate I was using my card for the promotion and they said that should be everything I need to do. 

On XXXX XXXX, XXXX, I reached out to Discover to inquire about when I could expect reimbursement ( as it didnt show up on the statement Posted the prior week ). I told them the steps I took and was told that nothing else was required and I should receive the credit within 3 billing cycles. 

Today, XX/XX/XXXX, I reached out to Discover to ask about the credit and why I hadnt received it. I was told that I am not eligible for reimbursement for some unknown reason that XXXX XXXX and Discover Card can not communicate openly about and that I need to go to XXXX XXXX and find out why I am ineligible for Discover Cards promised reimbursement. 

They said they do not manually apply reimbursements and that if it didnt happen automatically, something was wrong and I would not receive it. 

They promised to share my feedback with the higher ups, but refused to do anything to fix the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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 filed a dispute regarding the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My company is XXXX XXXX XXXX XXXX, I am a licensed real estate broker in the state of Florida. I have been hired by the owner of the home XXXX XXXX XXXX, XXXX, FL XXXX to sell her home in XX/XX/2018. Do to the condition of the home and the market, the offers in conjunction with the closing fees have made it necessary to request the bank to complete a short sale. The company that is handling the short sale is a servicing company called XXXX XXXX XXXX , XXXX. I have been authorized to speak on behalf of the seller to discuss with the bank the process of the short sale. The owner and myself have diligently done everything we can to work with the XXXX XXXX XXXX XXXX. 
The reason for my complaint is I feel that XXXX XXXX XXXX XXXX. is with intention, fraudulently delaying the process of the short sale in order to collect serving fees from its investors. I have literally called XXXX XXXX XXXX XXXX. 30 plus times ( nearly everyday ) and every time I call them they tell me I have to have a new document that is required. Literally every time I call they make up a new document that could have easily been supplied 60 days ago. Even though each time I call them they tell me that after this new document that they now have every document. The very next day I will call and they literally make up a new requirement. We have supplied SPS the same documents literally XXXX and 3 times. I will call one day and they will tell me they have everything and then the next day they have a new requirement that they said was always required but the last XXXX people in 60 days somehow missed. Today I just spend an hour on the phone today with XXXX XXXX the XXXX supervisor I have had to escalate my call to in the past three weeks. Now last week they told me they have everything. Today as I was on the phone ( this has literally has happened 30 times ) XXXX tells me I need two more documents. I am not exaggerating, literally every time I call them they come up with a new document that was not mentioned to me in the past 30 calls. Today it was the listing agreement. The home was listed 90 days ago. All of a sudden they need this document though it has been supplied 2 other times. Then they needed written authorization for me to talk on the account even though I have been authorized to talk on the account the past 30 calls today a new requirement is they need it in writing. 
Literally everyday they create a new document, I am not talking about just critical document but ones they come up with everyday as a new requirement that has nothing substantial to do with the sales process. 
I truly and honestly believe this company is committing fraud. They are purposely delaying the process in order to collect fees from their investors. Please investigate the operations of this company. They are doing this with intent. My conversations are recorded. The calls are documented. The loan number is XXXX.

Company response to consumer: Closed with explanation