BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-04
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: Other problem

Complaint:
HI. A few days prior to XX/XX/2019 I called chase to pay up my balance in full from my XXXX statement that was due XX/XX/2019. On XX/XX/2019 I was overseas and was tight on available funds in my account and therefor made a payment for the minimum payment due. It was the first time in all my years ever doing that. I have always been careful to only charge that which I can pay in full. I also asked the rep to charge me in full for my balance for the upcoming XXXX statement, thereby bringing my account to balance to XXXX. My unpaid balance from XXXX was approximately XXXX less the minimum payment of {$35.00}. My current statement balance at the time of the call was {$2100.00}. I paid a total of {$5600.00}. On XX/XX/2019 that amount was debited from my XXXX XXXX XXXX  Account. On XX/XX/2019 I got an alert from XXXX XXXX that my checking account was on overdraft. Knowing that I had sufficient funds to pay for my current expected expenses, I checked on my account as to what was overdrawn. I saw a pending charge from Chase Bank for {$5600.00} ( .11 interest charge ). I called Chase to inquire as to what the charge was about. They informed me that on XX/XX/2019 during a call to Chase where I requested a card downgrade, I also gave permission to have an automatic payment set up for a future date of XX/XX/2019, for my balance at that time of {$5600.00}. I have no recollection of ever requesting or agreeing to an automatic payment. In the event that I had a senior moment and did agree, which is quite shocking because why would i then call in a week prior to make the payment by phone, there was still a XXXX balance on my account on XX/XX/2019 when they made the charge. I questioned the rep and the supervisor as to why they were charging a XXXX balance account a previous balance amount. I was told that because when I agreed to the auto payment I didn't make a verbal condition that if the balance goes to XXXX they shouldn't charge me, they said they have every right to charge me. They said they cant do anything to credit me the overdraft fee from my bank and can't stop the charge because it is pending. They were very cold and hung up the phone on me before settling with me. I contacted XXXX who said they will remove the fee and won't process the charge because there isn't available funds. I just received a charge from Chase on my next statement for {$27.00} for the return payment fee for a return payment on XX/XX/2019!!!! I would like to know if Chase acted Legally and Lawfully. 
We placed a complaint on XXXX  and Chase is wiping their hands clean stating that the didn't do any error because I scheduled a payment they had permission to make a withdrawal. They say they are not responsible to clear the balance when a payment is scheduled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-28
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: Their investigation did not fix an error on your report

Complaint:
Theres a discover account on my credit report that was charged off. I had it removed from XXXX but for experian and XXXX it remains. I settled the account for fraudulent charges and we agreed the account would be removed from my credit report. Theres also a XXXX account that was charged off for {$1400.00}. I lost my card and these charges were fraudulent but XXXX is holding me responsible. I have this XXXX account removed from XXXX but it also remains on my XXXX and experian credit report. Ive tried resolving the issue with chase for over XXXX years but theyre still holding me responsible for fraudulent charges

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 2023-03-01
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX after reviewing my credit report, I wrote a letter to Midland Credit Management to dispute the debt as I was unaware of this collection. I asked XXXX to provide proof this debt is mine including a certified document with my wet signature and proof of their contractual relationship with the creditor XXXX XXXX Bank that authorized them to pursue this commercial claim. 

I received a response dated XX/XX/XXXX with a copy of a final bill from XXXX, and a default judgement for a court date I was never notified of. There is no proof of service of process or any documentation submitted to me so that I may dispute the billing. As per their documentation I was served at a previous address in XXXX  on or about XXXX of XXXX, but I had not lived at that address since XXXX of XXXX and in fact another family was living there. I had moved to another state, and there was a forwarding address on file with the XXXX. 

Midland also failed to provide the requested proof of account ownership by me with a certified contract/agreement with my wet signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I XXXX XXXX my SSN is XXXX and my XXXX is XX/XX/XXXX. I reviewed my consumer reports and noticed that there was an inaccurate account ( XXXX ) on my credit report! 
I am a ( XXXX VETERAN ) have been experiencing depressions and Hardship I had a my personal information stolen I have a police report I will upload! I reviewed my consumers reports and notice that I had serval late payments on accounts that I was never late for. Also, there are fraudulent accounts on my consumer report! Consumer reporting agencies have assume a virtual roll and have a responsibility to report consume to the best of their ability with maximum accuracy. I have never been late for payment for any of these accounts and some of these accounts are fraudulent accounts Delete these accounts from my consumer report and Fraudulent addresses! 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC 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  U.S. Bankruptcy Court Important dates Original filing dateXXXX  XXXX XXXX XXXX Latest status dateXXXX XXXXXXXX XXXX Additional details Reference numberXXXX Record typeXXXX  XXXX bankruptcy discharged CourtU.S. Bankruptcy XXXX XXXX XXXX Important dates Inquiry dateXXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX XXXX  Removal dateXXXX XXXX  Additional details Business typeFinance other than personal Contact info Address XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX I contacted TransUnion and asked for them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting, and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. 

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these accounts to be DELETED /BLOCKED from my consumer report, or payment history must be updated to on time as they should be as I was never late.

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 2021-03-30
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: Problem with personal statement of dispute

Complaint:
The company is XXXX the loan was sold to another company for refinancing.When I had the loan I paid XXXX bill now the bill is showing up multiple times on all three credit bureau and being listed up to XXXX times on XXXX report.l called XXXX and they said I had multiple loans. I recall my last payment with them being in XXXX. They have it listed as XXXX ; which is incorrect.l have filed a dispute with all three credit bureaus and requested my payment history.They made a mistake and put the correct payment history up any the the time I went to print it out it had changed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT*** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and wellbeing by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT*** )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, I opened an account online with Citizens Bank on XX/XX/XXXX with a promotion to receive {$150.00} when I completed a direct deposit of {$500.00} within 60 days of the account opening. I received a direct deposit in the amount of {$500.00} onXX/XX/XXXX, well within the 60 day requirements presented by the bank. I have now waited 3 months and still have not received my bonus. I emailed customer support, and they stated they were unable to see the terms of the bonus attached to my account, and when attempting to respond, Citizen Bank 's Messaging system failed, and still fails to this day, saying a response can not be sent. Since Citizen 's appears to only operate locally via branches, and does not have a public corporate office to reach out to, and that I did everything online via their online system, I am requesting that Citizen 's honor the promotion and deposit the {$150.00} into the account. I have attached confirmation of the promotion to this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 two transaction for XXXX were made at a XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX. I was in XXXX California at the time of the transactions i received a text notifying me that fraudulent transactions were made. i contacted the fraud department they told me i would get my money back right away. Then they told me it would take 10 days. on the XXXX they sent me a letter saying the transaction were made with my pin and i wouldn't be receiving my money. I looked at my account and they had changed the price of the transaction from XXXX to XXXX dollars. 

They are refusing to give me my money and harassing me with XXXX and XXXX  language on the phone. 

Transaction on my debt card show i was in XXXX at the time of these purchases.

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 2022-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I opened a capital one secured card ending in XXXX. I lost the card and fraudulent charges were made on it. I tried disputing with capital one but they charged off my account instead without refunding me my deposit. XXXX XXXX XXXX bought the account and now theyre holding me responsible for these fraudulent charges resulting in {$790.00}. I have this account removed already from my transunion report but the other credit reporting agencies still have this account on my credit report. The account number is XXXX. Ive disputed this account a year ago. Please help me remove this collections account from my credit report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Bread Financial Holdings, Inc.
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 paid both accounts with commenity capital bank in full in XXXX XXXX Both accounts should be zero and there should not be XXXX late payments ( XXXX ) on either account, since the accounts were paid in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-04
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have 3 open credit card accounts. Two are from XXXX XXXX XXXX  and one is from XXXX XXXX. My credit limit for all three cards combined is {$72000.00}. 
( XXXX XXXX XXXX XXXX has a credit limit of {$49000.00}. My other XXXX XXXX credit card has a credit limit of {$10000.00}. My XXXX card has a credit limit of {$12000.00}. ) The 4 major credit bureaus of TransUnion, XXXX, XXXX, and XXXX are still reporting on my credit report that my total credit limit is just {$62000.00}. 
This is incorrect and needs to be corrected to the higher limits of {$72000.00} Also, they keep listing my balances as {$6100.00} on all three cards. This is wrong! 
My current balances on all my cards as of today ( XX/XX/2018 ) is only {$260.00}.

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 2023-11-03
Company: DriveTime
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Loan approved when I submitted social security number and they verified my income. Terms were {$0.00} down and approximately {$400.00} per month.

Mid deal bank asked for {$800.00} down because I only had my paper Drivers license. I renewed my license yesterday.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
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 writing to you to block the following listed items from my report immediately which are not authorized by me. I became a victim of IDENTITY THEFT a couple of years ago. I have noticed that many items appeared in my report which was never opened by me. You are reporting Inaccurate, incomplete, or unverifiable accounts. I have been fighting to have these accounts removed from my credit report for some time now and it's very nerve racking because I'm not getting any help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a text message on 2022 XXXX XXXX from TD bank which read : TD Bank : Welcome, XXXX. You have a mesage. TAP : XXXX Txt HELP for info or STOP to optout. Msg & DataRatesMayApply. XXXX I followed the link and it appears that a checking account has been opened in my name ( XXXX XXXX. ) I have XXXX ( XXXX ) bank accounts but NEVER have opened one with TD Bank. In addition, my son who is married and lives away from me, has been receiving emails regarding my checking account. We have NO connected bank accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them has been heard. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$820.00} XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$19000.00} XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
To Whom It May Concern This shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-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 2022-02-08
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caine & Wainer Company collection posted since XX/XX/2020 for XXXX $ that was deleted some months and came back to my credit report with unproven that debt that i never owed again. 
account number is XXXX the insurance company was already closed XXXX years ago when i got the collection again with a unverified debt that need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation