BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Chase Safire Reserve Credit Card and in XX/XX/XXXX, I noticed a transaction posted to my account for a company named XXXX XXXX that was not conducted by myself. Therefore, I called Chase Fraud and they confirmed with me that this was the only fraudulent transaction. Subsequently, a merchant contacted me to tell me that there was a problem with one of my purchases so I called the bank and only to find out that the had mistakenly return all my purchased from XX/XX/XXXX to the day that I called in XXXX. I was on vacation during XXXXXXXX XXXX XXXX  so there were many transactions involved including an airline ticket purchase in EUROS that converted to {$6200.00} charged to my account on XX/XX/XXXX, which was for a business trip to XXXX XXXX on XX/XX/XXXX. Chase told me that they were fixing their mistake and got reassurance that the airline ticket would not be affected because the return was still in process. Therefore, I trusted the bank that everything was resolved. However, I was not able to board my flight from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After hours on the phone with the airline while at the airport, I had no choice but to purchase another ticket on the spot for the next day XX/XX/XXXX. The airline XXXX XXXX XXXX XXXX told me that they would refund me XXXX of the tickets once the bank returned back the funds to them that were taken back for fraud. On XX/XX/XXXX, the airline company refunded me one of the ticket purchase but due to the EUR/Dollar fluctuation, my account was only credited for {$5900.00}. So, due to the Chase error, I lost money on the currency conversion for the refund and at the same time, I incurred expenses to stay an additional day in XXXX. On XXXX  called Chase to complain and the supervisor was very understanding and assigned XXXX XXXX XXXX so that I could be compensated for the expenses around XXXX XXXX XXXX including the difference that I lost on the airline ticket refund due to the exchange. Since then, I have been following-up and kept getting the run around between the fraud department and customer service. In XXXX, I was told they they could not do anything because they had no access to the recording so I asked to escalate the case and it was escalated to the executive office. Finally, on XXXX I received a message from XXXX who investigated the case to tell me that they would not give me any type of compensation because the made the " proper adjustments '' and " coaching was sent to the agent ''. Well maybe the coaching should have been done before and that could have saved me lots of stress, additional expenses and a missed business meeting.. I called them back and a representative at the executive office did confirm that they saw the recording and it was confirm that it was their mistake but nothing could be done. This is totally an acceptable resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 non-monetary relief
Consumer complaint received 2023-05-15
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I continue to be contacted about this debt that is originally from Original Lender : CITIBANK N.A. 
Account Number : XXXX, who has sold the debt to apparently everyone, and I settled with XXXX XXXX back in 2020. I have attached a new letter from them under their mediations department/legal arm. All I know is that there is some company in the valley that keeps sending more and more companies to threaten me. At this point I am ready to plead my case in front of a judge. 

I keep getting threatening calls about once a month and I am really feeling like I am being stalked and harassed. I am a XXXX Veteran with a XXXX XXXX and it is affecting my mental health. How do I get this to stop. I paid what I negotiated back in 2020. I am now being told that XXXX is fake, and all sorts of other lies. ( XXXX has done nothing wrong and have been excellent ). 

Please help me in this matter, perhaps you can find out whom the original buyer that holds the debt that keeps trying to get more money out of me and get that person ( s ) to stop harassing me. 

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 2023-12-08
Company: Experian Information Solutions 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:
On XX/XX/2023, I received a letter from XXXX XXXX XXXX stating that they were attempting to collect a debt for XXXX XXXX XXXX. Immediately I got scared and started asking questions. I never checked my credit profile before. I did not even know much about credit to begin with. I created an Experian, XXXX and XXXX account and I started going down the list of items that are on my credit report. I noticed many things that were on my report that I were wrong, so I updated my information. But this account that is on my credit report I have no idea what it is nor where it's from. I did not create this account and did not make this charge. That is when I realized that I am a victim of identity theft. I did not make this charge, nor did I open this account. This is a fraudulent account that I did not authorize. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit.

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 2023-11-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, XXXX XXXX XXXX report a new installment loan account to my Experian credit report with a balance of {$3100.00} with a monthly payment of {$5.00}. In XX/XX/2023, I applied for XXXX loan but was informed that I needed a co-signer in order to receive it. I could not identify a co-signer at the time so I never received the loan. I was shocked to receive an alert that the loan had been added to my credit report and I never received the funds nor completed the promissory process. I disputed the results with Experian on XX/XX/2023. XXXX emailed me on XX/XX/XXXX and explained via email that when I applied for the loan with them, " each month you pay {$5.00}, which we report to the Credit Bureaus as interest against a loan that is held on your behalf. These successful payments build up your credit history, helping to improve your score. Once the 24 months have passed, or if you decide to cancel/stop paying, XXXX is simply marked as paid in full ''. They claim that this service is optional, but I was unaware when I applied online and never received a receipt for these {$5.00} payments so do not recall ever making such a payment. Even though I cancelled the XXXX XXXX service, XXXX told Experian that the {$3000.00} loan should " Remain '' on my credit, which is completely inaccurate. Having an installment loan reported in this amount and I have never received funds for a loan is misleading and negatively impacted my credit score.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-09-20
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I noticed fraudulent charges on my Wells Fargo account so I called my bank to report over {$800.00} and charges to XXXX 's that I did not make. After filing the claim I went down to the police station and also filed a police report, my daughter had stolen my card information from my wallet without my permission and from XX/XX/XXXX to XX/XX/XXXX she made several transactions at XXXX 's adding up to over {$800.00}. I called my bank XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and today XX/XX/XXXX. I explained to them on each of these phone calls that I did not authorize these charges on my card and that I wanted my money back. I filed the dispute they closed it I filed another one and they closed it again saying that they would not reimburse me for these unauthorized charges on my account and that I would be responsible for them. I complied with each of the requests. I wrote out on a piece of paper I did not authorize these charges and sent it into them as they requested and it was still denied. I went into the bank on XX/XX/XXXX, XXXX and XX/XX/XXXX and spoke with the XXXX about my case and explained that my daughter had gotten into my purse and taken my card number and saved it into her wallet on her phone allowing her to make these transactions without my knowledge. After speaking with Wells Fargo today they told me that my claim was denied and that they would not be refunding me and the XXXX that I spoke to on the phone hung up on me after requesting to speak with his XXXX due to his improfessional manner. I did not authorize these charges they are charges and I need my money back I still have an open case with the police department being investigated.

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 2023-09-14
Company: MOHELA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received an email notification on XX/XX/XXXX advising me that my next payment is due on XX/XX/XXXX. I logged onto the website for Mohela advising that my next payment is due on XX/XX/XXXX. My next payment shouldn't be due until XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: United Credit and Collections Inc.
State: NJ
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
While checking my XXXX credit report, I noticed a collections account for {$5700.00} placed on my report by United Credit and Collections , Inc. This debt collector has NEVER contacted me about this debt. Had I not checked my credit report I would not even be aware of it. It was a debt that was allegedly incurred over 7 years ago, which is not only past Missouri 's five-year statute of limitations for collecting a debt, but also has never been validated, despite my written request for a validation letter to confirm the debt 's ownership, detailed breakdown and validity. It is negatively impacting my credit score and yet can not even be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a credit monitoring alert today that an inquiry was done on my credit from both XXXX and XXXX. I have not signed up for any credit cards. The company list is JPMCB Card. I am attempting to have the hard inquiry removed from my credit report and I would like to ensure the card is not processed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: HI
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 summited disputes for Equifax and received dispute results XX/XX/XXXX, and I summited for XXXX and received results back on XX/XX/XXXX, XXXX I summited a dispute and got results back on XX/XX/XXXX. This case with company has been going on since XXXX. I have disputed Inaccurate credit Reporting for lates, And also all three credit Bureau have treated my credit reporting unfairness and Inaccurate. My FCRA rights with my financial information has been use against me and has violated my FCRA Rights has a consumer. Just recently for month of XXXX I had a high XXXX and higher credit score and applied to buy home and my score drop 3 times in one month. And then a company put on credit falsely late payment when it was not and reported inaccurate information and drop my score even more all in one month. I feel this is a economy discriminated against me as a consumer and a XXXX XXXX XXXX. I have been fighting since XXXX and moving forward. My credit score stayed at low score since XXXX to XXXX didn't move at all due to a company and what they had put on reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: FL
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 Report Act XXXX XXXXXXXX from 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 an account without my written instructions. 
This account reported on my credit report is a fraudulent account.

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 2023-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
I mailed roughly XXXX company checks at the local post office in XXXX XXXX, LA on XX/XX/2023 and none of them made it to their intended destination. However XXXX of these checks were cashed for a total of {$260000.00} with a different name/address written on the checks than the original checks. On XX/XX/2023 I got calls from vendors asking about nonpayment. I then looked at the bank records and saw that their checks cleared but after pulling up the image of the checks, I noticed that they were not my checks and had different reciepiant names/address on them. I bank with Capital One and I immediately called them to report the fraud. They opened an internal fraud case and provided me with a case number. I called back several days later and Capital One told me that their fraud team has sent the fraud information to XXXX XXXX, the bank that cashed the checks, and have requested the money be returned to me. Capital One also told me that they have all the information and if they needed anything else that they would call me but that there was no reason to keep calling them because they have told me all they can tell me. They will not tell me the the location of the XXXX XXXX, why these funds were immediately cashed and not put on hold, why their AI wasn't used to see that these were not my checks ( different routing number, different boarders, different wording on the front and back ), or how they didn't catch that my signature was traced because all three signatures are the exact same. Also they could not tell me how this was my fault. I have called back several times, about once a week, and they keep telling me the same thing, that they are waiting on XXXX XXXX  to refund the money and that there is nothing else they can tell me. It is now 30 days since Capital One has opened the fraud case and I have still not been refunded the money. I tried calling the local police but they told me that because the checks were stolen from the XXXX XXXX that it is a federal issue and to call the XXXX XXXX. I called the XXXX XXXX and opened a case with them, however they have told me the same thing as Capital One in that they have all the information and there was no reason to keep calling them. If their fraud team needed more information, they would call me. 
Capital One acknowledges this is fraud and it is obvious the banks failed to do their job to verify the checks but yet they are penalizing me by not refunding me the money. I run a small business and this is really effecting my ability to pay vendors and make payroll.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21
Company: DISCOVER BANK
State: GA
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:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXX with PayPal. 
I was making my payments with my checking account for years and without problems. 
Recently PayPal makes new rules and I try to make payments same way and is rejected. I contacted my bank about this issue and they said You dont have any restrictions the payment should go through. Look like my account is in way to be on collections. 
I asked PayPal if theres another way to make payment. No they said.

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