BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-13
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:
On XX/XX/2020, I was contacted by a foreign individual alleging to have been working with XXXX and stated that I had a virus on my computer. He then provided me with instructions on how he could assist with the virus on my computer and proceeded to remote into my computer ( I have a computer log to show access on my computer ). He then told me that I would need to purchase gift cards for payment to him for fixing my computer. I then proceeded to go to various stores including XXXX, XXXX and XXXX to purchase gift cards while this individual remained on the phone with me over the course of going from store to store over hours. He deceptively had me purchase gift cards totaling {$14000.00} using my Chase credit card. I was told by the individual that the gift cards were not working so under his insistence, I continuously tried to purchase a gift card that would work, sometimes multiple cards at one store in what I thought was an attempt to find a working gift card. Through the course of all the transactions, i incurred charges of {$14000.00} over the course of a few hours. The man told me I had to stay on the phone and could not hang up. He also told me that some gift cards were not the correct amount and would be refunded back to my credit card. He continuously gave me reasons to keep trying to purchase cards. 

I am elderly and suffer from a XXXX XXXX XXXX, which is well documented in my medical records for several years. I now realize that I was naive to believe this man, but he made me believe that I would be in trouble for not paying for the services he provided to fix my computer. I was scared that I would not be able to pay him. I did not even realize by the end of the day, that I even tried to purchase that amount of gift cards. The man kept telling me the cards were coming up " not redeemable '' every time I tried purchasing a gift card and provided him the number and he told me that my credit card would not be charged since the gift card did not work. 

I filed a police report which I can provide you access to. 

I attempted to dispute the charges with Chase. They first agreed to waive all the charges but then decided to add them back on and charge me for them. They did keep {$500.00} off from XXXX since the XXXX system denied the charge. It wasnt until thousands of dollars was charged to my card that Chase finally declined the transaction. I retained an attorney who attempted to contact them but received no response from Chase. 

I have had years of excellent credit history with Chase and am upset that they would not have blocked my card sooner. If they would have blocked the card and had me call in to remove the block earlier, I would have discovered that these purchases were going through.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: PLANET HOME LENDING, LLC
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:
I filed a Complaint # XXXX, which is now closed ; however, Planet Home Lending has now reported me as delinquent to the XXXX  Credit. I only had a loan with them ( # XXXX ) for one month ( XX/XX/2019 XXXX and it was transferred to XXXX XXXX XXXX and I was not late on my payment. They are just trying to get back at me for filing a complaint with your organization. Can you please help me get my credit report back to good standing? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX This letter is a formal request to block/correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX {$10000.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Closed : XXXX XXXX, XXXX XXXX Closed : XXXX XXXX, XXXX {$380.00} Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. 
. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.

section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 




XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, 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:
I hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my entrepreneurial aspirations. As a dedicated and driven entrepreneur, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX  XXXX account XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust. 

I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my entrepreneurial endeavors without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my entrepreneurial journey. 

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

Yours faithfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Deposits of checks and cash on several occasions inside the bank with the teller and I was not provided a receipt with the total deposit information. When I requested the slip with the total, I was told by the teller it would take a day for the money to be reflected in the account. I understand that the total should be on the statement and it also should show that estimate of the total even if I will not have the access to the money until checks have been cleared which usually takes a couple of days but the total should be on the receipt but the teller told me that was not the case. 

I have contacted the back because when I access the statements online it did not reflect the totals that I have deposited which I think was a mistake. I when directly to the back and talked to the teller and the bank manager and they stated that they could not access the account. I had my daughter come to the bank with me to help but they did not provide us with the statement right away. The back manager told us that he could not access the account and would call us back the next day because he would have to contact the main office. The system was not down but gave him the benefit of the doubt. The statement he provided 24 hrs later did not match what I deposit and the cash total was not recorded. I ask if he can provide us with the information on the cash deposit and what type of bills were deposited and he did know how to. I am asking to get a video or an investigation to find out what happened to the cash that was deposited as this happen several times both in my savings and checking accounts that are connected.

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 2019-06-18
Company: A-1 Premium Acceptance, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a loan for XXXX last year I've been paying on this and i call to ask this company whats my pay off they told me that my loan goes up daily it wasn't a interest bearing loan how is this and their interest rate is 256 % this is predatory lending loan could someone help me get and understanding on how this work and how can they be allowed to get over on people

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: JPMORGAN CHASE & CO.
State: MO
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:
There are 3 hard inquiries on my reports from XXXX  XXXX XXXX, XXXX XXXX, and JPMCB. XXXX. On XX/XX/2022. I did not apply for any credit cards. I spoke with XXXX XXXX XXXX. The credit application has all my personal information but is using a different phone number and possible different address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10
Company: Ocwen Financial Corporation
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
OCWEN LOAN SERVICING AND XXXX, XXXX & XXXX HAVE VIOLATED THE '' DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT ''. TITLE X 31 TIMES SINCE XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
two days ago a significant, unknown negative item appeared on my credit report. XXXX   made no attempt to verify the debt. I filed a complaint and they've done nothing. I confirmed that the alleged debt - reported by XXXX XXXX - was purchased from XXXX XXXX XXXX and is allegedly from 2013 - well past the time I could do anything about it. I have no records and neither XXXX or XXXX can provide any. No effort has been made to collect this alleged debt until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: General Motors Financial Company, Inc.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : GM FINANCIAL XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Unrecognizable inquiries on all 3 of my Credit Beareau

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 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I HAVE FILED DISPUTE IN REGARD TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.

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 2017-12-14
Company: TD BANK US HOLDING COMPANY
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX/XXXX/XXXX I found out that there is a negative on my credit, from XXXX XXXX. It shows that I owe {$1600.00} from an account that was paid in closed in XXXX. Apparently this was just reported on my credit. This was a shock as I have always gone to great strides to keep my credit good. I need to know why something that was paid 4-5 years ago is on my credit? I have talked with XXXX XXXX, they were n't able to help and referred me to TD bank ( they handled the retail card services for XXXX ). TD bank is the creditor that reported the inaccuracy however they have been nothing but difficult. I was hung up on at least 3 times and they were unable to give me an answer as to why someone with TD bank decided to put this inaccuracy on my credit after it has been paid and closed for years. There has to be some accountability from these companies, especially TD bank!! This situation has caused me to not be able to finance a car and countless hours of stress and phone calls etc. Now I 'm being told that I need to put a dispute in with all the credit companies and wait up to 90 days. This is NOT acceptable. I paid my bills. TB bank reported an inaccuracy and I ( the victim in all of this ) am now being told " sorry about your luck ''. I want this matter corrected and TD bank held accountable for their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase bank closed my checking and savings account without my knowledge. When I called to inquire why my account was closed they told me they could not tell me why. This has impacted my credit score and made it drop drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Paypal Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pay Pal Ref : Transaction ID - XXXX Ref : Profile # - XXXX Pay Pal is claiming I received duplicate refunds to my XXXX Visa and I owe them for one. I have told them repeatedly, I only received one, and only after I contacted Visa for not receiving the original. 
- On XX/XX/XXXX, they processed a refund of XXXX. That was NEVER credited to my credit card account. When I contacted PayPal, they said it was NOT their problem and to contact XXXX Visa. 
- On XX/XX/XXXX, after contacting XXXX Visa, I received a TEMPORARY credit of XXXX, back-dated to XX/XX/XXXX. 
- On XXXX  XXXX, XXXX Visa resolved the issue and issued a PERMANENT credit of XXXX, NOT a 2nd refund. 

I have talked to them 3 times, and sent them 3 months of my Visa statements ( 3 times ) which show the original purchase, and one refund - which THEY requested. They have ignored the statements and my explanation, and continue to call and email saying I owe them this money. 

My view is IF they paid two refunds to Visa, than that is between them and Visa. I only got the one I was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: JPMORGAN CHASE & CO.
State: NY
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 purchased tickets on a flight to XXXX XXXX with XXXX XXXX through my Chase Rewards portal in XX/XX/2022. I received a message in XXXX that my flight was changed, but I spoke with Chase and confirmed these changes. 

On XX/XX/XXXX, I received another notification that my flight had been changed and I needed to get in contact with Chase. When I called Chase informed me XXXX XXXX  switched me return flight from a direct to a connecting flight through XXXX. Meanwhile there are TWO direct flights operated by XXXX XXXX to a XXXX XXXX. Chase was able to change me back to a direct flight. 

However, the attendant I double checked and informed me that Chase had not actually secured me a spot on the return flight and that I would have to select another flight. This is absolutely unacceptable. I paid for a reserved a seat through Chase on a plane that is still operating and somehow I no longer had a seat. When I asked how this could happen she informed me that it was a result of XXXX. However I do not understand how XXXX could remove me from a seat that had been accurately paid for by me through Chase without further notice. It was only after asking Chase why they are unable to protect their client 's seats or make arrangements that do not include cancelling the entire trip and having to rebook 2 weeks before the event at a higher rate that she put me on hold for 30 minutes and returned to inform me that my seat was resecured. 

Not only was this a waste of and hour of my day cause intense frustration and concern, but leaves me with no confidence in Chase 's services for which I am paying. As I stated, the representative could provide no explanation as to how Chase " lost '' my seat. I am also concerned that I was only able to regain my seat after considerable discuss about my frustration with this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX is ignoring my request of suppression from sharing my personal credit report. I have submitted several request to suppress my credit report, yet my request are not being honored. I have added the necessary documentation to expedite the suppression request. I have even added the verification documents to this complaint. 

Please delete the unverified bankruptcy from my credit reports. The bankruptcy court has already confirmed that they do not share information, nor do they verify information pertaining to bankruptcy filings. Therefore, this account is fraudulent and inaccurate and defamatory.

Company response to consumer: Closed with explanation