BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
My wife purchased a leather jacket in XXXX, XXXX. She was not charged the value added tax ( VAT ), but was given a form to take to the customs desk at our departure from XXXX airport on the day of our departure. She told my wife that if we did not take the form as directed our credit card would be charged the VAT tax. We did as directed, and left XXXX. On returning, a subsequent credit card statement from Chase included the VAT charge, with the 'merchant ' listed as TAX REFUND DENIED. When I called Chase, the person I spoke with had no idea what it meant. I told her I was pretty sure it was related to the VAT. I of course disputed the charge, as we had complied with the merchant and filed the form with the customs desk. I have gone back and forth with Chase several times since my first call asking about the charge. I have been told by XXXX different Chase representatives ( XXXX a supervisor ) that Chase policy was to not dispute VAT charges. I was told I would have to deal with the merchant ; however, Chase has failed to identify what merchant placed the charge on my card, nor has Chase informed me as to what authority the un-named merchant had to place the charge on my card ( it is {$110.00} ). Chase has sent me a letter stating in writing that it is something I need to take up with the merchant ( the one that Chase has not identified ). I told Chase that my dispute at this point is not with the unidentified merchant, but with Chase for allowing an unauthorized and bogus charge to be placed on my credit card, and then refusing to remove it when disputed by me. I have also pointed out the misinformation and confusing information I have been given by Chase during phone calls with Chase representatives. I am still pursuing the matter with Chase, but wonder how it can honor a charge that is not only bogus, but then inform me the issue is between me and the merchant, as though Chase is simply an innocent bystander.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX  XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Sectign 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 non-monetary relief
Consumer complaint received 2019-12-16
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: Personal information incorrect

Complaint:
I have tried to update my address since XX/XX/2019 as my address changed at that time. I have sent Equifax information to prove that my address has changed a while back but they said it is reporting accurately as my current address, and that is not correct. MY old Address XXXX XXXX XXXX, XXXX, Mississippi XXXX is not my current address. My current address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Mississippi XXXX as of XX/XX/2019 ( see postal address change verification attachment from post office ). I tried top call Equifax today, but there was a recording that said, " Thanks for calling Equifax, System is currently unavailable, sorry for the inconvenience, good bye ''. The Equifax confirmation report number is, XXXX. Also, see yellow label on letter/envelope from equifax ( address change from post office ), included with this complaint in attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Experian Information Solutions Inc.
State: AL
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 XXXX XXXX. I do not owe this debt and I have made numerous attempts to have this addressed through company listing and each credit bureau reporting. This is also a violation of my HIPPA rights as they have provided medical information in which I did not provide them consent to hold or obtain.

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 2021-12-11
Company: AES/PHEAA
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2021 I send a letter regarding inaccurate and unknown accounts reporting on my credit report. I requested Debt Validation under the FDCPA and as of XX/XX/2021, I have not heard back or received any kind of response yet. I feel like I'm being ignored and my request for debt validation is not being taken seriously. 15 usc 1692g ( b ) says that the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or ... name and address of the original creditor, is mailed to the consumer by the debt collector. I am a consumer and I requested a debt validation, it has been over 51 days. Therefore, I demand that these accounts be immediately deleted from my credit report or I will have to file for litigation due to the XXXX and negative effects of this item being on my credit reports. This company is has refused to honor my request for debt validation. Therefore this account shall be deleted. My information was impacted by the XXXX data breach and I have been a victim of Identity theft. XXXX, XXXX and XXXX are aware of this. I disputed this item with all three reporting agencies and in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, they did not provide actual proof the information was verified, they sent a computer-generated response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019, I took {$100.00} cash out of my checking account at a Wells Fargo ATM # XXXX / Bank at this address : XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. An alarming phone call distracted me and I accidentally walked away, taking my card and leaving the cash at the mouth of the machine/ATM. I drove for 5 minutes before realizing what I had done. I turned my car around and called the branch immediately to ask if someone would check the machine for my cash. A manager named " XXXX '' got on the phone and said, " Mrs. XXXX, we have good news : our customers are very honest and one brought your cash in the minute you pulled away. We know it was yours because we can see you are the last one to use that machine and it was for {$100.00}. '' I came back to the bank within 10 minutes, asked if I could have the name of honest customer who brought in the cash ( to reward them ) but was told no. I was then told I can't take the cash - XXXX said it must be processed and it goes back to wells fargo, and will come back to my account in a few days - usually within 10 days. I was surprised but happy to get the {$100.00} back. I was shocked when XXXX said I had to complete a " claim '' to get the money back. It is now XX/XX/2019. I have been to the bank to tell them I've heard nothing, XXXX said it can take up to a month .... Now I have received 2 letters saying that the {$100.00} will be deducted FROM my account. What? It was NEVER put back in! I have also called a Wells Fargo number on my claim paper and was told the money was never processed. Then the person corrected himself and said, " It was reviewed and the money was giving to someone else. '' I have been to the XXXX XXXX branch 3 times to discuss this and they keep telling me XXXX remembers the situation well and now the money should be processed the right way. But I just received another letter saying I will not receive the money, and that another {$100.00} will be taken from my checking 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 2017-09-06
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The XXXX urgent care was bought out by XXXX hospital and they sent my debt ( XXXX dollars ) to the XXXX agency and when I found out I owed money I paid it but it was on the 30 day mark and the Wo n't call the collections agency to stop contacting me, I 've spoken to both the hospital, XXXX and collections and they keeping me running around in circles so that I have to pay a late fee, it 's all a money game and I do not wan na play, I pride myself on not oweing anyone money and I do not want this on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/2020 I received a call from a woman who identified herself as an employee of Regional Finance and inquired when I will be paying the loan they have in my name. I never took a personal loan from Regional Finance and had never heard of the company so I told the woman exactly that. She nonchalantly told me " ok I'll transfer you to fraud '' as if this happens every day! XXXX XXXX answered the phone for the fraud department. She informed me I need to fill out & get notorized an affidavit stating I had no involvement with the loan and give her a copy of my license and a police report. So I did all of that the same day ( XX/XX/20 ). I also filed a dispute with XXXX. 

About 2 weeks later I received something in the mail from Regional Finance. When I opened it I discovered it was a packet asking me to get an affidavit signed and notorized stating I had nothing to do with the loan. At this point I can only assume XXXX did nothing with the information I gave her. I called Regional Finance to ask them if they had any information or status on the dispute I already filed -- there was no one there because of COVID-19. So I filled all the paperwork out once more and mailed it to Regional 's HQ in XXXX, SC. 

On XX/XX/XXXX I was informed that XXXX  deemed my loan as " accurate ''. There is no information as to how or why that happened. There is no one available for a phone call. Their " help bot '' only directs me to the dispute center when I try to receive more information. So I filed another dispute. On XX/XX/XXXX, I also lost that dispute. 

At this point I filed a complaint with the Texas Attorney General and waited to hear back. It is now XX/XX/XXXX and I have heard nothing ; but I received a notice that " my '' Regional Finance account has been updated to delinquent status. I did not take out this loan so I will not pay for this loan. 

I need this removed from my credit report and rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Financial Assistance Inc
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The company FINANCIAL ASSISTENCE INC AND XXXX XXXX REFLECTING TWICE SAME ACCOUNT on my credit report affecting my scores adding extra charges interest

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Paypal Holdings, Inc
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Paypal has checked my credit for a loan with authorization I have called them faxed them a statement they have told me this would be removed as a hard inquiry against my credit report but it is still on my credit this was done in XXXX 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Commonwealth Financial Systems, 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: Their investigation did not fix an error on your report

Complaint:
HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE!

THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
I have a Mastercard with USAA. USAA failed to send me any notice whatsoever that my payment was past due and immediately turned it in to all XXXX credit bureaus damaging my credit and by doing so violated the FDCPA. USAA refuses to remove the reports it illegally made to my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I got an eviction notice because I am three months  late on my rent. {$5100.00} was due by XX/XX/XXXX or I was out on the street. 

Panicked I went to a title loan company and took out a loan with 300 % interest to pay the rent. The loan was for {$3500.00}. I also borrowed {$2000.00} from a friend to cover the rent check. When I deposited the check I was told I could have {$200.00} from the deposited check the next day but the rest would not be available until XX/XX/XXXX. the landlords check will bounce if the {$3500.00} does not clear. 
In addition I am paying {$35.00} a day in interest fees while WF holds on to my money. 
That is {$35.00} a day x 10 days and another {$350.00} owed to the title company. 
I will be evicted by early next week and I am about to lose my car due to WF 's predatory actions.

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 2020-06-13
Company: Rocket Mortgage, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I noticed on my bank account that a pending draft of " retry payment '' from Quicken Loans ID XXXX would be processed on XX/XX/2020 in the amount of {$830.00}. I contacted Quicken Loans and ended up being called back from " XXXX '' from the executive team. She advised that the original draft on XX/XX/2020 came back as insufficient funds from my bank, XXXX XXXX XXXX XXXX XXXX. I advised that was not so and that the payment on XX/XX/2020 cleared and posted on my bank account on same day. Also advised that the payment was showing on my Quicken Loans online account. XXXX stated that none of that was showing on her end. She said the only thing showing was the transaction did not complete due to insufficient funds. XXXX then called XXXX XXXX XXXX XXXX XXXX who confirmed that the payment on XX/XX/2020 did clear and post for {$830.00} Quicken Loans ID XXXX. XXXX then told me show would be contacting payment processing department to stop the retry payment for XX/XX/2020. She advised that it was possible there would not be enough time and the payment would go through. If that was the case I was to call back. On XX/XX/2020 the retry payment of {$830.00} did in fact clear and post on my bank account. I contacted XXXX again who again called XXXX XXXX XXXX XXXX XXXX. XXXX then proceeds to check the first payment again and then confirms about the second payment coming out. The representative from the bank tells XXXX that both payments did clear. XXXX was not satisfied with the answer and told the representative to look further into the matter. The representative contacted their payment processing department and they also confirm that both payments cleared and posted from Quicken Loans ID XXXX. XXXX then tells me that this would need to be further investigated, that neither first or second payment was showing on her end. She stated that it could take another several days to look into the matter. I advised her that for one this is a mistake on Quicken Loans and that I was not prepared for an additional unauthorized payment of {$830.00} to come out of my bank account. I also told her this has completely compromised my finances. XXXX claims that nothing is being shown in Quicken Loans system of the payments. This is very odd when I can see in several places on my online account that the payment was made on XX/XX/2020. Still awaiting for the second payment post on my online account, though it has already cleared and posted with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Monterey Financial Services LLC
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
The companies were using a finance company to sell a fraudulent product and I believe since the companies went out of business shortly after, the finance company knew of there scam and the fraud method used. Also numerous complaints on the internet and I 'm sure with the finance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I opened a Line of credit in XXXX from Capital One. For the past XXXX years my personal line of credit was not allowing me to make any transfers from the line of credit to my checking account so I decided to contact the line of credit representative. According to the representative this was a known issued and they dont have an estimate time when it will be fixed, therefore they suggested that I continue to call to do manual transfers in the meantime. A year later of making manual transfers on XX/XX/XXXX I decided to write a letter to the XXXX XXXX XXXX explaining to him my struggles with my account. I received a call on XX/XX/XXXX from the executive office who further look into the issue that I was experiencing with my LOC and the end results was that this product was not compatible with their platform and they dont have an estimate time as they are looking to enhance their platform. I asked XXXX from the executive office in the event theres no solution would they close my account and would I receive a notification prior to my account being close? His response was in the event my account needs to be close I would be notify in advance and base on the XXXX XXXX XXXX we should get at least 45 days in advance prior to any credit account being closed. 

A week later from this conversation, I go into my online account just to find out that my line of credit was closed without any notification. I sent another email to the CEO XXXX on XX/XX/XXXX and I received another call from the XXXX office to informed me that theres nothing they can do and that this line of credit was closed. According to the executive office representative they were sorry and that a notification was just sent out to me on XX/XX/XXXX. Like seriously just sent out to me? This is highly unacceptable and I was not given a notification nor an alternative. 

I couldnt believe how XXXX XXXX CEO is allowing this poor customer service towards his long term loyalty customers. Capital One knows that this not the best time for them close the only Capital I have to support myself and my family to survive. Life doesnt stop when it comes to paying my bills and to feed my family specially during a PANDEMIC. 

In addition this will also affect my XXXX XXXX because that capital $ $ $ line is no longer available to me therefore my credit will decreased. 

I want a resolution!

Company response to consumer: Closed with explanation