BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-25
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I recently filed a CFPB complaint against XXXX XXXX and TransWorld for their abusive and unfair Debt Collections practices. Both cases were closed and I have new evidence that Tranworld is abusive and they are violateing the law. Attached will be the response from XXXX XXXX. They responded by attaching all paperwork pertaining to how my SSI Check is being garnished and it also shows as of XX/XX/XXXX my balance was {$2100.00}. 
The paperwork that TransWorld sent shows a balance of {$2500.00}. This clearly shows the discrepancy in the amount owed. TransWorld called me approximately XX/XX/XXXX to collect on this debt when I refused to give them more money they added more collection fees. It drastically dropped my credit score ( 66 points ) and I'm in the home buying process. I would ask that this matter be referred to the FTC for further review. TransWorld is impersonating as a government official because my SSI checks are being garnished and I feel like the company is treating this debt like government debt when this is a store credit card debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2023 I agreed to pay XXXX XXXX XXXX {$6900.00} for sewer line repair ( see email from XXXX XXXX and their estimate attached ). 
On XX/XX/2023 I paid XXXX XXXX {$1000.00} deposit from acc. Cap. One miles ending XXXX. ( statement enclosed ). 
On XX/XX/2023, over the phone, I authorized XXXX XXXX to debit my Cap. One Spark card ending XXXX for {$5900.00} ( also see email to XXXX XXXX XXXX enclosed ). 
But XXXX XXXX debited my Cap. One Spark XXXX card for {$7000.00} without my authorization. ( statement attached ). 
In total XXXX XXXX charged my credit cards for {$8000.00}, which exceeds the originally agreed payment of {$6900.00}. 
XXXX XXXX refused to refund the difference. 

I filed the dispute with Capital One. 
I explained that on XX/XX/2023 I did not authorize XXXX XXXX charged my credit card for {$7000.00} and that I did not authorize Capital One to pay {$7000.00} to XXXX XXXX ( see filled Cap One form enclosed ). 

Capital One requested invoice with the expected transaction amount, a statement including the last 4 digits of the card, an email from the merchant confirming the expected price. ( see Cap. One XX/XX/2023 letter, page 2, enclosed ). 
I uploaded all requested information to Cap. One web page ( see XXXX, enclosed ). 
Capital One stated that the uploaded documents " lacks all of the previously requested information '' ( see Cap. One XX/XX/2023 letter, enclosed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After the previous complaint filed yesterday, spoke with the branch manager again XXXX today. Now, were told for the 100th time they want additional phone numbers to verify check deposit again after already verified multiple times. Spoke with the owner of the company and hes explained the check has been verified on multiple occasions as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: IL
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2019-09-14
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Midland Funding as Violated the FDCPA on my account which the debt collector has re aged my account which is way pass the 7 year time line for deletion. Midland Funding also trying to send me a settlement offer for debt that as been re-aged. Therefore, changing the dates on my credit report hoping I will pay. As a result, please inform Midland funding i'm not XXXX I will not sue in civil court. I will file a criminal complaint against managers and supervisors of Midland Funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XX/XX/XXXX I have made a purchase using PalPal for an item ( {$2.00} ). 
However the transaction resulted in a XXXX  cash advance fee charged by my credit card. The bank 's explanation which is plausible stated that the transaction information submitted to them by PP listed the transaction as cash advance and not purchase. 
They also stated that this is a common situation with PP. 
On XX/XX/ I contacted PP and after a long wait I spoke with CSR based in their overseas call center. Unfortunately the CSR was not able to even help me as he didn't understand the concept of cash advance which he admitted PP employees ( or contracted ones ) are not trained in the basic concepts of payment systems. 
When I was transferred to the supervisor after about 15 min wait ( employee number given as XXXX ) he told me that he doesn't have any authority to address the issue except to " escalate '' it. 

In short the PP system is designed to specifically deceive consumers and not to address issues by getting them involved in a long and laborious administrative process to get the issue resolved, in this case {$10.00} This type of fraud is simply unacceptable and it is a fault of the regulator to not able to stamp out this pathology with heavy fines ( per incident ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I got my whole personal information leaked on the dark Web and had my Chase credit line stolen from me took XXXX in credit line buying stuff in different locations, chase tried suing me since I wasn't making payments and I was trying to file a complaint but wasn't educated enough now I'm with a debt settlement paying off XXXX in debt for something I shouldn't be paying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: FORD MOTOR CREDIT CO.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a XXXX XXXX more than a year ago from XXXX XXXX XXXX Illinois. 
XXXX charged over a XXXX extra for GAP insurance.. 
XX/XX/2022, a man coming out of a strip mall hit my XXXX, didn't stop to look. 
He broad sided me, which his XXXX declared the vehicle a total loss. 
They paid XXXX. GAP paid partial getting me for over {$4400.00}. 
.Their claim is XXXX overfinanced. 
Who's fault is that when salesmen are XXXX  out to take advantage of women? 
The money I owe is the interest on the loan for the next 3 years. I'm paying on a car I won't have. 
They are adding more interest and late fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.

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 2021-03-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
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 booked a trip to XXXX through XXXX. XXXX cancelled the trip due to boarder closing due to COVID-19 on XX/XX/2020 and indicated to contact your bank for reimbursement. I immediately called HSBC and opened a dispute. I have called multiple times, sent letters, and opened online inquiries as to date have not received anything. The total charge for the trip was {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: KEYCORP
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/2023 I went into Key Bank in XXXX, XXXX, to complete the sign on process. I was offered {$200.00} to switch my bank account. I was in a domestic XXXX situation and was in a safe house. The employee named XXXX assured me I would receive this sign on bonus if I switched my direct deposit. Before leaving XXXX to come to XXXX as my divorce was final and I was safe I stopped into this branch to make sure everything was still ok and I would receive this bonus. I have called customer service and the branch I signed up at. They say that they do not see the code and they are sorry. I told them this is fraud and I would proceed up the chain of command, so to speak.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-12
Company: Mr. Cooper Group Inc.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Applying for a loan mod since XXXX ... covid forbearance ended in XXXX. I have made bank draft payments for 4 consecutive mo via bank draft. I need to stay in my home..have a wife and XXXX children ... .just need covid relief help. Asking they at least put me on a trial mod for 3 more months if necessary ... .I have proven by paying 4 months in a row ... I am ready to now keep my mortgage current and even pay ahead please help me and my family with this. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX Capital One Auto Finance reported 11 charge offs on my account. 
One charge off is legal, multiple is not. I tried to resolve it with them and they were indifferent. 
I am still paying on this loan. It is on my other reports as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I mailed a check to my landlord through Chimes app on XX/XX/XXXX for {$950.00}. The check was returned uncashed by XXXX XXXX XXXX. Despite sending the letter from XXXX XXXX XXXX to Chime numerous times over the past two months, they still refuse to acknowledge that the check was returned uncashed and refund my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: TX
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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 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 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX ripped me off and mislead me. They told me that the total program cost would be $XXXX,XXXX. I was also told that the program would offer a certificate for educational leadership. The school purposely prolonged my program. There is a balance of $XXXXXXXX,XXXX currently on my report from this school. I do not owe this amount. As a single XXXX, I would never borrow this type of money. I could have gone to XXXX XXXX XXXX or even XXXX and not have this balance. I am not able to get a home loan because of this fradulent debt. This scam school closed down. I want this debt to be forgiven...now!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: NAVY FEDERAL CREDIT UNION
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:
My name is XXXX XXXX and I am submitting this complaint for myself. There is no third party involved. I am writing to completely remove the following account in my file. The account that needs to be removed are listed in my report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I have reported the theft of my identity to the Federal Trade Commission and I also have attached copies of the Federal Trade Commission 's Identity Theft Affidavit along with my government issued photo identification and social security card. Please delete the items immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: EQUIFAX, INC.
State: DE
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:
The information far as my name and address that is reporting on my credit report is incorrect. My name is XXXX XXXX XXXX address XXXX XXXX  XXXXXXXX XXXX del XXXX everything else on there is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Sent TransUnion mail to delete the disputed comment on account XXXX XXXX, account number # XXXX. TransUnion has not removed the dispute comment from my credit report. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to UPDATE information that does not reflect the current status of a certain account. More specifically pertaining to a comments on this account. I am requesting that you remove the disputed comments on the account listed below with immediate effect. This account is no longer in dispute.

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 2021-11-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase have closed my checking account. I have a balance of over {$9000.00}. and despite the fact that Chase have closed my checking account they have refused to send a check for the cleared available balance in the account and have been giving me the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 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  has violated my rights. Or list of inquiries 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 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 2022-10-20
Company: EQUIFAX, INC.
State: NJ
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation