BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a new account in collections on my TransUnion credit report. The account originated from a XXXX company ( XXXX XXXX XXXX ), and I can not find a reasonable way to contact them. The alleged debt is for a sum of {$3800.00}, and I'm not sure what this debt could even be for. I have received no notifications of this accounts existence, or of any debts prior to the collections account. 

This company appears to own XXXX U.S., of which I am a customer. I have never gone delinquent on a payment to XXXX. I am unsure of the correlation between my telephone provider and this fraudulent account. 

I believe this account was born of identify theft, though my dispute through TransUnion resulted in no action taken. I do not know what supporting documentation I am meant to submit if I have no knowledge of this debt in the first place, with the exception of a derogatory mark on my credit report. 

Currently, the account seems to be in the possession of a collections company by the name of XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2019 I wrote to JP Morgan Chase Bank to the attention of XXXX XXXX CEO to advise him that I had come into knowledge that the Bank issued me a credit card with a credit entry and not actually money. It is illegal for a bank to loan credit in all 50 states. 
This transaction was not disclosed to me and the issuance of credit was deceptive and extremely fraudulent in that I was the only one taking a risk in this transaction. 

I let Mr. XXXX know that I am rescinding the contract immediately or in the alternate that JP Morgan to prove that the bank actually loaned assets of the bank. 

JP Morgan Chase Bank, Mr. XXXX refused to answer my correspondence and sent me a letter saying that the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 XXXX XXXX a fraudulent charge was made on my card for the amount of {$250.00}. A {$250.00} transaction that I noticed on XX/XX/XXXX the following week when checking my statement I called capital one right away the associate i spoke with said the company would investigate and I would not be charged as I knew I did not make this purchase I was not worried. On XX/XX/XXXX upon looking at my statement I noticed my card was again charged for the {$250.00} and promptly called the company I tried to resolve it with capital one with associate XXXX XXXX who stated she was the highest person in charge and b chip cards can not be cloned or copied i was responsible for the transaction. I used my card once that day at another store. And did not make this purchase and should not be held responsible for someone who committed fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Midwest Recovery Systems
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medicam information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to MY medical records. I know for a fact i did not give ANY provider permission to share my medical information. Midwest Recovery needs to remove this account off my credit report and send these accounts back to the original creditors. In addition i will be filing lawsuits against these creditors for violating my medical rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase XXXX XXXX XXXX Chase XXXX offered a XXXX XXXX XXXX offering {$30.00} back if the card holder spends {$40.00} or more. On XX/XX/XXXX, I spent {$43.00} on XXXX XXXX but the promotion was not honored. I've attached the promotion and my XXXX XXXX billing history detailing. Below you will find my interactions with Chase XXXX trying to resolve the matter. 
XX/XX/XXXX spoke with XXXX and she said it was going in the right direction and would be honored, said give it until XX/XX/XXXX before following up. 
XX/XX/XXXX Spoke with XXXX about Chase XXXX XXXX charge of {$43.00} on XX/XX/XXXX, promo was spend XXXX or more receive XXXX back, XXXX said she would send to marketing/promo department and they would get back to me in XXXX days. XXXX stated it was going to be honored. 
XX/XX/XXXX XXXX XX/XX/XXXX a case was created, still being worked by back office, turnaround is up to 14 days with weekends could be XX/XX/XXXX XX/XX/XXXX XXXX- a letter has been sent over providing the response that it would not be honored and this was decided back on XX/XX/XXXX and didn't know why XXXX would have told me otherwise. XXXX sent me back to the general routing and I had to wait for a new agent. 
- XXXX XXXX - offer for " XXXX prepaid services '' but this promotion has limited information in the system that she can access. She said they have mailed me a letter, but I have not received as of XX/XX/XXXX. 
- Sent to supervisor and the wait was greater than XXXX XXXX call took over an hour - XXXX - can not be able to see the promotion, the reason for denial is that on their system, charge does not show as being prepaid, does not meet because the charge did not come through as a XXXX prepaid service, escalation has already been completed. They do not review what actually happened, they only review what their system states. Then she asked, " Anything else? '' This call on XX/XX/XXXX took XXXX hour and XXXX minutes and represents a bait and switch which is the action ( generally illegal ) of advertising goods which are an apparent bargain or promotion, with no intention of honoring.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-11
Company: Experian Information Solutions Inc.
State: GA
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:
Disputed a collection debt on XX/XX/XXXX directly with debt collector company and asked for validation/verification of debt. Disputed with Experian XX/XX/XXXX. Collection came back as validated on XX/XX/XXXX with no explanation on how the debt was validated with Experian. The company XXXX XXXX XXXX did not provide me with requested documentation by XX/XX/XXXX. They cant because the company they are trying to collect on was shut down by CFPB in XXXX for fraudulent practices so theres no way the collection was legally validated. I received a settlement check from CFPB. Dates being reported by debt collector on credit report are inaccurate. Debt collector is illegally trying to collect on a debt deemed fraudulent by CFPB. Nothing was changed by disputing.

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 2016-03-20
Company: Child Support Recovery Services, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This seems to be a medical claim I had XXXX insurance companies and therefore no medical bill should be on my credit report this looks as if it was a XXXX for my son that did not go to the insurance company it 's being reported on my report as if it 's current it 's old and should have been billed to XXXX and united health care I do n't owe for this at all this is reported multiple times and re aged which is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I opened my computer to find two charges totally nearly {$2000.00} charged on our Chase Card, that services Amazon Prime. I called it in to Chase and they reported it as fraud. Later that day, a {$60.00} and a {$200.00} charge to same card. I reported them. That particular account was cancelled. On XX/XX/XXXX, {$990.00} was deducted from our personal savings acct. at XXXX XXXX  in the form of a XXXX XXXX XXXX. I worked with our bank and we were reimbursed for that. Today, XX/XX/XXXX, there are four {$25.00} gift cards from Amazon charged. The first account was cancelled and I have not even received the new card yet ( which I had them cancel also ) How can this be happening if I don't even have an active credit card for the account???

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: DISCOVER BANK
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Every month XXXX XXXX runs a check on my credit this is taking points from my credit score. I called XXXX on XXXX XXXX, 2015 and reported this they said they could not find why my name is being ran for a credit check. They advice me to report this to the CFPB who will contact them and they will verify that I 'm not requesting a credit card from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-31
Company: First National Collection Bureau, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently this past year have been randomly getting mail from this creditor with pat off options in which I do NOT owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: ALLY FINANCIAL INC.
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
After the car I had owned for ten years died I needed a new car. Went to XXXX XXXX in XXXX, Texas, on XXXX XXXX, XXXX, told the salesman I wanted a monthly note of {$200.00}. Found a car and then I was railroaded by the salesman at XXXX and Ally Financial into a nearly {$400.00} monthly car note. The salesman told me Ally was the only lender willing to give me a loan. On XXXX XXXX, I called Ally to tell them I did not want the loan. Ally 's representative told me if I did not take the loan, it would be listed on my credit record as a default on the loan. I felt trapped. How did I allow myself to get into this situation? I called the salesman at XXXX and told him I did not want the car and he told me I had to keep it for a month. Exactly one month later, I called XXXX back and the salesman no longer worked for them. I felt stuck. I had a job and so I just made the payments. I am unemployed now and can not make my car payments. I called Ally to renegotiate my loan so I can have smaller payments on XXXX XXXX, XXXX and they said I have to make MORE payments in order to reduce my monthly payments. I feel like Ally and XXXX XXXX conspired to entrap me in this endless cycle of high car payments. As an African-American I know that Ally and XXXX XXXX used my race as a way to enslave me with lies and deceit. In XXXX of XXXX I talked with XXXX regarding the lawsuit against Ally. And yes, I was listed as a victim of Ally, and the Settlement Agency was going to send me information. In XXXX of XXXX, I called the Settlement Agency and they said my information came back to them with a wrong address. Apparently, Ally forwarded the Settlement Agency an OLD address. I have been calling the Settlement Agency ever since until finally a supervisor got back to me and said the deadline had passed. I have never missed a payment with Ally. I have always personally called them when I moved. I have received monthly cay payment notices in the mail since I got the car. Funny how when it came to me being a part of this settlement, suddenly Ally provides an old address and not the address they have been sending my monthly car payment request to. I feel stupid for not doing certain things back on the day I bought the car. I should have walked away. I had no idea what I was up against. With that being said, Ally and XXXX XXXX railroaded me into this huge car note. XXXX did not do due diligence in ensuring I was included in the settlement and Ally refuses to re-negotiate a lower monthly car payment, and these are the reasons I am writing to you today : to ask for help. I have no where else to turn and I trust that this bureau investigate my situation further.

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 2017-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
cfpb I sent Transunion a copy of the Police report reguarding XXXX XXXX I have been asking Transunion to send the Original documents that they should have at the consumer Request But they have failed to do so Per the FCRA 609 & 611 ACT I HAVE EVERY RIGHT TO ASK FOR THIS INFORMATION BEING A VICTIM OF IDENTITY THEFT THE LAW CLEARLY STATES THAT THE REPORTING AGENCY HAS TO PROVIDE THIS INFO Transunion has totally broke the law I also ask for all information on the accounts in the previous dispute asap

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 2015-08-30
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX, we closed our mortgage with XXXX XXXX. On XXXX XXXX, XXXX, XXXX XXXX personally visited a XXXX XXXX branch in XXXX XXXX, Florida, to make the corresponding mortgage payment. After seeing the bank teller searching and inquiring about our loan, XXXX XXXX was told that we did not have a mortgage account with the bank. After speaking to a bank officer we were given very limited information, simply that our mortgage had been " transferred to another mortgage institution. On or about XXXX XXXX, XXXX, we received a letter stating that the servicing of our mortgage loan had been transferred from XXXX MORTGAGE? 
( we had never done business with XXXX ) to Litton Loan Servicing LP. After, a few months of doing business with Litton, our monthly mortgage payment continued to consistently increase. It became obvious that we were the victims of a predatory mortgage. The victimization done to us by Litton had a very significant impact on our family. This Litton loan mortgage, that we had never signed for nor agreed to was now causing significant adverse impact on our lives. The mortgage was inappropriate for our financial situation and grossly over-priced. Although, we attempted to negotiate with Litton on multiple occasions to develop remedies to the situation, their lack of flexibility and insensitivity to our needs, proved this an impossibility. Litton 's purpose was to foreclose on our property. We were advised by a financial counselor to seek legal assistance concerning our mortgage. My wife and I hired an attorney, in an attempt to negotiate a mortgage agreement with Litton. After approximately two years, of negotiation and paying approximately {$27.00}, XXXX to above referred to attorney, an agreement was not reached. In addition, to being victims of predatory lending practices from XXXX XXXX, and Litton Loan Servicing we were also misrepresented by the law firm hired to negotiate with Litton. It is interesting to note that during the initial closing of our property on XXXX XXXX, XXXX, the final loan amount was {$400.00}, XXXX. Earlier, this year ( XXXX ) we received new loan mortgage documents from a company ; OCWEN, with a total outstanding loan mortgage amount in excess of {$750000.00}. Approximately in XXXX XXXX XXXX suffered a devastating XXXX XXXX. Around the same time XXXX XXXX XXXX, became unemployed. After the devastation caused in both of our personal lives, XXXX, separated and are currently undergoing divorce procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: ALLY FINANCIAL INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Ally Bank Checking Account : I recently deposited a check in my checking account on XXXX XXXX, 2016 electronically via my mobile device which was approved the following day. The funds show in my account under " current balance '' but are not available to me. I called the bank as I noticed my account was overdrafted by {$86.00} yet I just deposited a {$25000.00} check. The bank stated that the funds would not be available to me until the next 5 days as my account was flagged for frequent overdraft charges during the last 6months. However, instead of admitting this was an unfair practice, the bank instead is charging me additional overdraft fees during this period. Essentially they are blocking me from having funds available that would prevent these exact overdraft fees from being charged. This is pretty obvious to me they are exploiting a common practice in the industry which other banks were just fined for and this bank simply has just gotten away with it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I contacted the company regarding the credit line increase however adverse action was taken against me. I requested that the company provided the reasons why this adverse action was taken against me, the company did not respond. I submitted a complaint regarding the adverse action to which the company responded that more time is needed. The company continues to take adverse action against for I am not able to use my card to make purchases. Additionally, the company did Not notify me of this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Account cased 13 days after opening and including equipment returned with receipt within 13 sldays. This debt is for an early termination fee. I do not owe with verizon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2016-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is fraud and I have reported it to the company and debt collector and I have been ignored by both of them. I want my debts cleared and all my personal information kept private.

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