BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-26
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Since XXXX we have revoked authorization by sending emails, letters, and personally walked in to XXXX  XXXX ( gym ) to cancel four memberships. The gym has ignored these requests by continuing to charge us. We have submitted unauthorized disputes with Chase Bank to recover the funds. As a last resort we closed our credit card and had the bank reissue a new card. This stopped the charges from XXXX  XXXX. However, starting XX/XX/XXXX - XX/XX/XXXX we started seeing charges ranging from {$2.00} to {$35.00} to charge our credit card. When then starting receiving calls from XXXX XXXX billing department saying we are behind on our membership payment and they need to update the credit card information. This is unfair and deceptive practice since they were calling different members of my family to obtain credit card information. Concurrently we called Chase Bank to dispute the charges. We were dumbfounded to learn that our bank, Chase, had given the merchant, XXXX  XXXX, our new credit card number. The Chase representative said that they had an agreement with certain merchants to provide them with customer 's credit card number! I am disappointed with Chase 's disregard and not protecting customers device ( credit card ) information by giving a merchant our credit card information to charge. Second, the merchants disregard of our varies letters and attempts to cancel services and revoke authorization. This is deceptive unfair practices by Chase and XXXX  XXXX. We are disturbed that a WSUD ( written statement of unauthorized debit ) is disregarded, our personal information shared and overall Chase 's lack of consumer protection!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
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: Account information incorrect

Complaint:
Ive never been late on my account I was to to dispute it on my end and they XXXX XXXX would update the credit bureaus with the correct information and for me to wait till the next billing cycles but they never fixed the problem and the late payment caused me to get denied on my refi

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 2020-07-11
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 purchase an airline ticket from XXXX XXXX with Chase credit card for the amount of {$1400.00} for my father. The flights got cancelled and on XX/XX/2020 I called the airline company for a refund so that I can purchase another ticket through another airline. They assured me that I would get a refund. They also requested me to submit a feedback survey for the refund which I did. I never heard back and/or received a refund so I disputed the charge with Chase on XX/XX/2020 letting them know this exact situation. One my last statement on my Chase credit card dated XX/XX/2020, Chase recharged my card. I called asking why this happened and they told me that this was a valid charge. I asked that these flights had been cancelled and that the merchant had promised a refund. They told me to fax in a letter and any supporting documents to re-dispute this charge. I still don't have this charge removed and/or re-disputed on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please CORRECT the items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the items listed below : XXXX XXXX Date XXXX Balance : {$2400.00}, XXXX XXXX Date XXXX Balance : {$9700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Spring Oaks Capital, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  XXXX XXXX XXXX owned by XXXX XXXX, XXXX gives notice of an account balance of {$610.00} sold on XX/XX/2021 to Spring Oaks Capital , LLC who now is owner. 

Although XXXX XXXX, XXXX states the notice is not a bill and not to send payments it gives myself the impression that any payment should be forwarded to Spring Oaks Capital , LLC of which I am confused about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX XXXX ' MY NAME AND ADDRESS HAS ERRORS AND WRONG PREVIOUS ADDRESSES NOT FACTUAL

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 2019-01-02
Company: Intermex Wire Transfer, LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX and I was victim of froud on XX/XX/2018. I have nephew that live in XXXX for about 10 years. One person from this number XXXX posing as a US Customs agent called me and told me that XXXX XXXX my nephew was in XXXX XXXX Airport and have a problem with documentation and need help, he was in surprise visit. 
She them told me that we need to wire {$1200.00} to XXXX XXXX XXXX in XXXX XXXX XXXX XXXX and as soon we have that money there we can go to the Airport to pick up XXXX. 
I went to send the money thru Intermex with the numbers XXXX for {$300.00} and XXXX for {$950.00} after that we rush tothe Airport hoping to find my nephew everything was scam my nephew I learn later was in XXXX and XXXX XXXX XXXX disappears. 
I waiting from intermex with response to who took the money in XXXX XXXX XXXX XXXX with no avail My ph number XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened my best buy credit card back in early XX/XX/XXXX. When opening my credit card, they asked me if i would like to sign up for their " debt protection '' program which I denied. About 2 months into making my first purchase, I realized that I was paying for this " debt protection '' and immediately called the credit card company to remove the fees I was currently being charged. At the time I was a college student and I was hardly making enough to live by, so getting charged {$12.00} a month for a service that I didnt need to use was ridiculous. After calling and speaking to a representative, the rep. said that they are taking my concerns and issues seriously and that they would send me a letter saying whether this was approved for a refund. I never got a refund or a letter. However, I did check my account and I was not getting charged for it anymore till ... XX/XX/XXXX. I had made another purchase only to realize a few years later I had been paying for the " debt protection '' service which I had declined TWICE. I remember even telling the cashier that I will be declining their " debt protection '' service because its insanely expensive and pointless to me. It was about 2-3 years later when I noticed the charges due to my credit card amount not equaling what was calculated. Once again, I called the CC company complaining and they again responded with the same statement " you will get a letter or a refund in the mail ''. NEVER did I see anything in the mail. I was XXXX. I had been a loyal customer to best buy forever and now this is the type of fradualent activities I have to deal with? I paid over {$400.00} in debt protection fees for a job I would never lose since it was family owned. This is ridiculous. The fact that I had also called them multiple times and nothing got handled ... is insane. Something has got to give. I come from a huge family but after tellihng my story none of my family members shop at best buy no more for the fear of the debt protection fraudulent charges by the bank. Something about this needs to be resolved because another lawsuit wouldnt sound too good.

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 2019-10-24
Company: ALLY FINANCIAL INC.
State: CA
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 vehicle on XX/XX/XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX CA. 

On XX/XX/XXXX I emailed the dealership requesting cancellation of 3 service contracts that they added on. 

On XX/XX/XXXX I visited the dealership in person to cancel the 3 additional contract that they added onto my purchase. ( On one contract it said I had 30 days to cancel and get a full refund. After which I can cancel and get a prorated refund minus {$35.00} service fee. ) On the other 2 contracts I have 60 days to cancel and get a full refund.

The dealership made me wait 2 hours and then agreed to cancel 1 of the contracts but not the other 2. The contract they let me cancel was with a company named Ally.

I signed the paperwork to cancel the one contract that they said I could cancel. 

As of XX/XX/XXXX I didn't see that anything had changed, So I emailed the dealership as well as the administrators of the contract -Ally and XXXX to cancel all 3 contracts. 

Today XX/XX/XXXX. I contacted Ally and the contract was still in force. It appears the dealership did nothing with the paperwork I signed. Ally went ahead and cancelled the service contract with me over the phone. 

I then contacted XXXX the administrator of the other 2 contracts. XXXX says that I can not cancel with them because they have never received the initial contracts from the dealer. So my dilemma is the dealer won't let me cancel the contracts that say on them that I can and the administrator company can't cancel them because the dealership is dragging there feet sending them in. Meanwhile I only have a few days left to receive a full refund on one contract and my refund continues to dwindle away on the other. The dealership has told me several times that I can not cancel the contracts because they were part of the deal. I had to buy them since they supposedly gave me a good deal. The paperwork says otherwise. That I can cancel, which is what I have been trying to do. 

To further complicate things, the dealership switched the finance company on me. So I need to be careful that when I do get the refunds, they go to the correct finance company. Not the company on the paperwork.

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 2022-09-13
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX Acct # 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

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 2023-06-09
Company: EQUIFAX, INC.
State: OK
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 XXXXXXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-14
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made an extra payment to my XXXX credit card on XX/XX/2021 they have not posted it. my payments take only 4 days usually

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
{$5000.00} charged to my debit card, I did not make that charge.

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 2023-05-13
Company: EQUIFAX, INC.
State: MS
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 car at question is a XXXX XXXXXXXX XXXX the company is XXXX XXXX XXXX the account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had lost my job in XXXX XXXX. I was on unemployment until my claim ended in XXXX XXXX. I was behind 2 car payments due to lack of income. I borrowed money from a relative to make a payment in XXXX XXXX and XXXX. I started working as a XXXX XXXX the end of XXXX. I explained to Ally I only work 30 hours per week and make less money than my previous job. I tried to explain to them that I do n't get for holidays or missing work. I was scheduled for a XXXX XXXX in XXXX causing me to miss a day. The beginning of XXXX I offered to pay $ 100+ a week until I was caught up. I would receive additional hours in XXXX, allowing me to pay more. One representative I spoke to told me that was ok. Then a few days later I received a call from collections representative named XXXX. She was insisting I pay 2 payments this month or my account will go into further collections. I advised her to see all of my previous notes stating my reason for delinquency and I was not able to borrow money from any more friends or family. She found my plan of sending $ 100+ a  week unacceptable. I advised it was temporary until we started getting more hours the next month. I spoke to XXXX again just last week and she wanted me to have a payment in by XXXX and another in 2 weeks. I told her I can try, but I ca n't guarantee it because I do n't always get paid on the same day ever week. I also received a nasty letter saying if I am late again, they 'll exercise their rights without informing me. 

I feel Ally is being borderline harrassing with their calls to me and my father who 's listed on the loan for credit purposes. I believe I am trying to make a fair attempt in paying my car loan. Ally seems to think they are the only bill I have to pay. I have fallen behind in all of my accounts in order to keep my vehicle. I would like them to have a bit more compassion with my issue. I understand I need to pay my loan and I am trying to do so to the best of my ability. Please assist me further with this matter. Thank you for you time and consideration.

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 2022-08-18
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a debt validation letter to Receivable Management Corporation on XX/XX/2022. It has been over 30 days with no response from the company about the debt they claim I owe of {$1000.00}. I sent this letter certified mail via USPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To start with, in 2012, I opened a checking account with Wells Fargo and when my debit card came in the mail a credit card came as well. However, I do not recall authorizing Wells Fargo to issue me a credit card nor do I recall signing for one. Thus, although I admit to using the card, because I did not sign for the card, then I should not be legally held to the contract. Not to mention, a class action lawsuit was filed against Wells Fargo for opening unauthorized accounts. Lastly, the credit limit for the credit card was {$600.00}. Yet, Wells Fargo has charged the card off for {$990.00}. Given these points, I am asking for Wells Fargo to provide me with ( 1 ) proof of contract bearing my signature and ( 2 ) full accounting for the amount claimed to be owed using generally accepted accounting principals.

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 2019-10-24
Company: EQUIFAX, 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX I received a notification that my Discover credit card was declined. I logged into my account and saw a fraudulent charge. I called Discover, who closed the account and issued a new card. What I didn't realize until later that night was that Discover lowered my Credit Limit to XXXX from XXXX and I was now Over limit! I called to find out why and the rep said that my account was reviewed and lowered. He had no explanation. 
I have a perfect payment history with Discover, and all my cards, and always pay more than the minimum payment. This lowered limit coincidentally coincides with my XXXX birthday.I feel that my limit was lowered due to my age and that I'm female. This lowered limit has caused a drop in my credit score by 65 points!!!! 
I reached out to Discovers Executive Offices and spoke to XXXX (? ) who took my complaint. There was no reason to drop my limit, and now my other credit cards will follow suit. This is an unfair practice to do to someone who is planning to retire in three years!!!! I don't have the luxury of rebuilding that a younger person has and worked very hard to maintain a GOOD credit score for my future. Discover needs to be investigated for age discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Global Portfolio Recovery, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I settled this debt on XX/XX/XXXX. Requested a lean release to be removed on my property. They have not completed the lean release so I can not refinance my house. I now have to pay for a second appraisal since the first one expired. They will not commit to remove the lean or give me any other information. 
Company : XXXX XXXX XXXX, XXXX XXXX my Account # XXXX

Company response to consumer: Untimely response