BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-07
Company: JPMORGAN CHASE & CO.
State: CO
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 made a purchase with a XXXX on XXXX XXXX 2017. The amount should have been {$79.00}. However, I was incorrectly overcharged by the company they charged {$190.00}. I have attached the advertisment for the wine ad below. My credit card company chase failed to do a proper investigation and sided with the merchant. The personalized advertisement clearing shows what was being purchase. Further I have attached a screen shot of the website where I made to purchase to show the price. Please help me resolve this issue and get my {$110.00} back. Just to note no corresponsedonce was sent by chase to get my side of the story.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/2023, I made a payment of {$23.00} to Synchrony Care Care via Synchrony Bank over the telephone. 

The identification process went well. Less than XXXX minutes later I called to go ahead and order a new card as I had misplaced my present Synchrony Car Care Card, At this point the telephone number that I had given XXXX minutes ago was no longer valid. According to the representative the old phone number was still on the account that I had had over 3 years ago. 

This is not true. Over XXXX years ago I took off the number XXXX. For over 2 years. I called and changed the number with a representative and never used that number again during the past XXXX years. 

I have been giving my correct number as XXXX which has always been identified until this person name XXXX and XXXX accepted my calls. 

XXXX and all related Synchrony accounts has my telephone number as XXXX. The other number should not have been on my account, XXXX. 

Both seem to not care if I remained a consumer or not. 

There is something very wrong here as my number has been the same for nearly 2 years and I have never ever had this problem with authentication. 

The call can be pulled where I made a payment and stated that I may have to call back to secure a new card as I could not find the old card. 

XXXX, verbally attempted to belittle me when I asked him to repeat his title. 

I could not get a new card sent to me. 

At this point, I will not be responsible for any charges made on this card number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
XXXX client, XXXX XXXX is a victim of identity theft. She was notified by Capital One of a fraudulent application submitted with her information without her consent. An inquiry was made into her XXXX, XXXX  and XXXX  credit report related to that application XX/XX/2018. A formal dispute of that application was then provided to Capital One to have that inquiry removed. Rather the read the information provided Capital One named the fraud investigator to a non-existing account. Capital One has done this same activity several times in the past and this continues to put the information of our clients and the public in danger. Capital One is in violation of the FCRA and my clients consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: NAVY FEDERAL CREDIT UNION
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account XXXX XXXX XXXX XXXX have violated my consumer rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) States I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( Section 604 A Section 2 ) : It also states a consumer reporting agency can not furnish an 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 ( they may only report crimes, not debts ) 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against JPMCB AUTO for committing identity theft. I have never given JPMCB AUTO any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from JPMCB AUTO before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If JPMCB AUTO can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until JPMCB AUTO can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and JPMCB AUTO continues its collection efforts, I will file for litigation for actual damages caused and JPMCB AUTO will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been applying directly, for hardship assistance with this Servicer ( Selene Finace ), since XXXX of XXXX. 
Previous to that, I retained legal counsel to assist me with the process. 
I have provided all items requested multiple times, yet have had no success with being reviewed properly, for hardship assistance. 

Despite cooperating fully, I have not been able to communicate with the assigned Relationship Manager, XXXX XXXX XXXX. 
Servicer has set several Judicial Sale Dates, claiming that I have not provided information in a timely manner.

Servicer also submitted a denial letter ( dated XX/XX/XXXX ), claiming that I had been reviewed for assistance, but had insufficient income, as well as too much debt, to qualify. In reality, Servicer utilized erroneous information, possibly from another applicant, and has not reviewed my financial information correctly. 

I challenged those findings unsuccessfully, yet Servicer refused to review their decision, or cancel the scheduled Sale date set for the following day, XX/XX/XXXX. 
I was successful in canceling and having the Sale rescheduled to XX/XX/XXXX. 

I submitted all the supporting documents requested by Servicer, and none were reviewed. After numerous inquiries and internal escalations, I was informed by the Servicer, that my application would not be reviewed, due to there being insufficient time to review ( less than 37 days before scheduled sale date ). I was then reassured that if I could have the Sale Date postponed, Servicer would permit me to submit a new application, and that Servicer would properly review my application for all available options.

I was successful in having the Sale rescheduled to XX/XX/XXXX. I then prepared and submitted a Hardship assistance application, as instructed, to Servicer. ( see below ) Mail to : Selene Finance LP XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX Or Fax to : ( XXXX ) XXXX Or Email to : XXXX I submitted the documents and information by email ( XXXX ) on XX/XX/XXXX - 39 days before the scheduled Sale Date of XX/XX/XXXX. One week later, I followed up with Servicer. Servicer claimed to have no record of receiving my application. 

I was advised to resubmit on that day ( XX/XX/XXXX ), and informed that the file was escalated. I submitted the application to XXXX as instructed. 
I then called again on XX/XX/XXXX, and was again advised that no record of submission existed. I was advised to submit again that day, for an expedited review. I submitted the application by email to : XXXX, XXXX, XXXX, and XXXX On XX/XX/XXXX, i again called Servicer. I was told that no record of a submission existed! I submitted once again, while the rep claimed to be monitoring the Inbox ( XXXX ). I asked for a callback from XXXX XXXX XXXX - as I've done multiple times, yet to date have not received a response. 

This Servicer has not acted in good faith, and I am pleading for your intercession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent inquiries in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of inquiries that do not belong to me or were opened without my permission. 
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 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 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 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX, Trans Union, XXXX, I am a victim of identity theft I never gave consent for consumer reporting please remove all reports on Credit file

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 2021-04-12
Company: Sequoia Financial Services
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I request to obtain all the information about me in the files of a consumer reporting agency ( XXXX XXXX " file disclosure '' ). You will be required to provide proper identification, which may include XXXX XXXX ID AND signature as a contract shows .if not your subject to law suit ..if you can't provide the proper documents to verify the debt. then it must be removed a person has taken adverse action against you because of information in your credit report ; Account number Seq Fin Svcs Opened XX/XX/2019 {$610.00} Original creditor : XXXX XXXX XXXX Seq Fin Svcs Opened XX/XX/2019 {$4700.00} Original creditor : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a check amounting to {$4600.00} via mail from an XXXX  which was meant to finance setting up a home office for a XXXX  job. I took the check to the banker on XXXX XXXX ( bank of America ) for a deposit, the banker tried to deposit but told me his machine is having dificulty reading the check, that I can proceed to use the ATM inside the bank. This is the only thing he said to me, so I proceeded to deposit the check. The expected day of availability of funds was slated for XX/XX/XXXX. Firstly, my account was placed under review on XX/XX/XXXX, I couldn't do any withdrawal from the funds that existed in my account prior to the deposit of the check, Ttried to reach the bank but was told severally that my account was still on review. On XX/XX/XXXX, I couldn't open my mobile banking app because my account was locked, when I called the bank, I was told the check I deposited was counterfeit, and consequently, my account has been closed and a report written to the Check system. Due to this report, I might not be able to secure an account from a different bank. I tried explaining to the bank that I wasn't aware it was counterfeit check and was a victim of scam, I have evidences of the job interview, job offer letter and communications with the person who posed as a hiring manager

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 2019-04-30
Company: Thaxton Investment Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have told Covington Credit/Southern Management Corporation numerous times in past 2 months to stop calling me as I have setup arrangements with them but they continue to call once payment arrangements are setup and they continue to call me by my maiden name as I have gotten married and my name has changed which I told them about and they say they changed but again continue to call me by my married name. My most recent call as of yesterday XX/XX/19 they called and asked for my maiden but then at the end of the call called me Mrs XXXX my married name. My husband who works in XXXX XXXX has told them as well do not call and cease and desist. And they continue ... Southern Management Corporation aka Covington Credit is harassing me and I as a consumer feel very scared and uncomfortable with doing business with them or talking to them. I demand my rights as a consumer be taken and am giving this complaint as I have the authority and right to do. Please take action on this harassing and embarssment of a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America ate my deposits, my merchant money and my XXXX transfers. They charged unusual fees and because of these issues my checks bounced and made me look irresponsible.

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 2017-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Wrote to TransUnion and have proof through certified mail. I have not received the results of my disputes within the 30 days allowed.

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 2023-04-11
Company: Chime Financial Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX My credit builder card from chime was used to pay on a person 's bill with comcast.i called chime and informed them this charge wasnt me they then told me they canceled my card and open a dispute.after not hearing from chime i called comcast.they informed me chime withdrew the XXXX on XXXX second and provided me the confo id for the refund.i try to give cut to shirt and they just keep saying theres no refund but wont ask for the conformation # from XXXX proving they refunded my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: EQUIFAX, INC.
State: VA
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:
Remove six late payments from my credit report for student loan 1 message XXXX XXXX XXXX XXXX XXXX Sat, XX/XX/XXXX at XXXX XXXX  To : XXXX  XXXX To Equifax To XXXX  To XXXX  XXXX XXXX. 
D.O.B. XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX, Va, XXXX Phone number : XXXX Email : XXXX Student Loan ACC : Info XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Student loan for XXXX XXXX XXXX # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX to verify that my student loan was on forbearance. I was given information that it was, yet my credit report still reflects six missed payments when viewed. 
This majorly affects my credit rating and causes financial hardship in my attempts to clean and create a better financial future. 
PLEASE investigate this because I know if a loan is in forbearance that no late payments are to be added and reflected on my credit report I demand that my six late payments be removed from my credit report. 

Thank you, XXXX XXXX. 
XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: CORELOGIC 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:
This company checked my credit or ran a hard credit check on me WITHOUT my consent, without my authorization. Illegal! This should NOT show up on my credit report and must be deleted with all three credit agencies

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 2019-04-30
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a follow up to a complaint with you regarding Amerisave Complaint # XXXX I rebuttled their response to the complaint. But I still can't close with XXXX because Amerisave still has it noted that I have an open account interest per MER 's. I need a cancellation letter per XXXX. Amerisave has been notified multiple times again. Yet haven't responded or done their part to close my interest with them. I need CFPB to help them do their job in a timely matter. I need to close with XXXX this week, otherwise I have to pay XX/XX/XXXX mortgage payment. This problem has lingered since XX/XX/XXXX let me remind everyone!

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 2023-02-26
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:
My personal information has been exposed in several data breaches and now my information is being used to fraudulently. I was able to take a look at my credit report and I see many suspicious accounts and charges. I have been receiving calls and emails about account and charges that are not mine. I am sure that scammers took my information and now I am being negatively effected.I noticed fraudulent information was posted on my file.

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