BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
After reviewing my accounts and statements, I noticed several charges from 2 or 3 different merchants but all being ran through XXXX. I contacted Chase Sapphire and gave them a list of unauthorized charges, this was over 30 days ago. These charges are NOT disputed purchases of some kind. These are complete Fraudulently charged charges. I never ordered any service, purchased any goods or signed any contract with these merchants. It has been over 30 days and I have received no credit, no response or any type of correspondence from Chase Sapphire. Usually if there is a fraudulent charge on your credit card then Chase would reach out to the merchant and have them provide some sort of proof for the transaction, a copy of an invoice, receipt, contract, or anything to prove this was valid. This shouldnt be that difficult, now that I have paid chase for these charges they are giving me a hard time and thr run around. They advertise XXXX  % liability for fraud on your cc, that is false advertising. There is absolutely nothing these companies will send to prove any transaction took place. This is all out fraud and the my own bank should have immediately credited my account. These charges exceed {$70000.00} that I have paid Chase Sapphire, I have held my account in the best standard over the 6 years I had it, I would pay the card in fullany times. Not once have I had a dispute or an issue until I discovered these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: JPMORGAN CHASE & CO.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Our auto, financed through Chase Bank, was in an accident and declared a total loss by the insurance company. The insurance company mailed the payoff check ( delivery was confirmed XX/XX/20 ) to Chase Bank. This was over two weeks ago. Weve attempted to find out why the loan hasnt been paid off yet and were told that the check is in the mail room. We ask for it to be processed and theyve said they will when they find it. 

In the meantime we have been charged late fees and daily interest charges totally $ XXXX since they have held our payoff check. We have asked for these charges to be removed and were told that they will not do that because its your responsibility to pay the loan, regardless of our processing time. 

They have our money ( certified check ) and wont close out the loan and continue to ad charges and fees. After multiple calls, I now believe this is fraudulent and intentional. They seem to know that the average person has no reasonable recourse. Any help would be much appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: AZ
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX and I am a consumer by the law and my information was misused and now I have some false and no 100 % accurate accounts on my credit report.

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 2021-01-07
Company: EQUIFAX, INC.
State: FL
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:
My account was closed a while ago. When Covid 19 forced XXXX XXXX 's call center to close, I was unable to make my payments due to my account already being closed for over a year. With a closed account you have to speak to an agent to make a payment. It was out of my control that they're call center was closed due to the pandemic, and I should not have to suffer consequences for that. As soon as the call center opened up, months later. I made my payments. I should not have any late payments on my credit report. It was/is against the law due to National Shut Downs because of Covid 19.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnion file number is XXXX. The Transunion credit report dated XXXX/XXXX/15 has numerous ( at least XXXX ) charged off authorized user accounts that should have been removed. I am not legally responsible for repayment, nor am I under any legally binding contract with any of these authorized user credit cards. In fact, both XXXX and XXXX has removed these accounts immediately upon dispute.

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 2022-04-15
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:
I am a victim of identity theft. I have summitted disputes to the credit bureaus about fraudulent activity on my credit reports. I have not been shown any proof that these items were done by me. I have not seen any contracts or signatures. I want these items removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX I sent a validation letter to Resurgent capital services, for a collection debt that showed up on my credit report. On XXXX XXXX they sent a validation letter with three pages. The first page was resurgent information, page two consists of the fair debt collection practices act information, and the third page consist of XXXX  XXXX XXXX credit card statement. The XXXX  XXXX XXXX  credit card statement was dated for XX/XX/XXXX through XX/XX/XXXX, with a debt of {$63.00}. 
On XXXX XXXX I called Resurgent at XXXX and spoke to XXXX. I advised XXXX that I was calling because I would like to settle my debit with resurgent but I had some questions about the debt that is due. I let XXXX know that on the statement that was sent to me from Resurgent for XXXX XXXX XXXX credit card, stated that my balance was only {$63.00}. XXXX was confused and put me on hold several times, the only explanation XXXX can give me regarding my debt, was that it was due to late fees and other charges.I advise XXXX that I would only be paying the amount my XXXX XXXX XXXX   credit card statement stated that I owed. XXXX said that he was not sure but that on his end the debt is {$550.00}. I refused to pay {$550.00} as thats not the debt that was validated by Resurgent. I  advised him that I would like to pay the full amount of {$63.00}, as that was the debt amount Resurgent sent me on XXXX XXXX XXXX  card credit statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I received the following from the Credit Reporting Agency -- -- - According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. I have complained many times against XXXX XXXX XXXX XXXX. They are included in this complaint but will undoubtedly and continually list this complaint as duplicate. They have yet to comply with requests for information or answer even one of the 75 complaints. This complaint is regarding two cars FRAUDULENTLY financed in my name, same dealership, same day. One car was financed with XXXX  XXXX XXXX  XXXX and the other with XXXX XXXX XXXX / XXXX XXXX. My credit was pulled on XX/XX/XXXX without Permissible Permission to check me out which then led to the two forged applications and contracts dated XX/XX/XXXX. One of the CRAs stated that lack of permissible permission is ok when credit was extended. CREDIT WAS EXTENDED TO THIEVES AND FORGERS NOT ME! I never had possession, use, or benefits. I have attached the XXXX  XXXX XXXX Docs that reflect application, credit report, and contract. I have attached the application and contract that I received from XXXX XXXX XXXX XXXX. XXXX XXXX refuses to send the credit report. Notice the application was incomplete and wasnt even to be processed! See all the differences between the two applications ; different salary and incomplete that should have never been processed. XXXX  XXXX XXXX realized the fraud, lack of Permissible Permission, and dropped the claim and removed the negative line from my credit report. Attached is letter from XXXX XXXX XXXX removing claim. However, XXXX XXXX XXXX XXXX refuses to answer any requests, complaints, nor send a copy of the credit report pulled on XX/XX/XXXX. The THEFT STARTED when XXXX XXXX XXXX XXXX did not have permissible permission to access my credit report. This is easy! and obvious and at a minimum lack of permissible permission. XXXX  XXXX XXXX XXXX will list this complaint as duplicate and ignore. I am requesting Transunion and XXXX  to live up to the FCRA, review the attached evidence, and remove XXXX  XXXX XXXX XXXX from my report IMMEDIATELY! This has been going on for almost 4 years. I have sent the attached documents over and over. So wanting another 30 days to investigate / review is ridiculous. I am XXXX, survived XXXX at XXXX  XXXX, was in the XXXX Tax Day Flood with 8, then all the theft, and then was in Hurricane Harvey Flood with 32, and this needs to end NOW!

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 2016-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Privacy

Complaint:
Had some fraud on a credit card so my financial institution. Capital One issues me a new card on the same account. I have some recurring transactions on the card and was updating that information but had n't gotten around to all of the vendors. At one point I logged into XXXX as I saw a charge on my new card from them I look and I see that they have my updated card information. I initially thought that I had updated the card and just did n't remember, so I shrugged it off. But then I saw a charge from XXXX, XXXX and I KNEW I did not give them my new card number because I had intended to move that recurring charge to another form of payment. I logged into my account and not only had the charge gone through but now XXXX has my new card number. I had never given to them nor authorized anyone else to give it to them. 

I called my financial institution and they said it was XXXX. I called XXXX and they said it was my financial institution. I did some digging on XXXX 's website. And sure enough they sell it as a service to their merchant customers. XXXX No one will tell me how I opt out of this or even if I can opt-out. But I find it an unacceptable security risk that someone is providing a third party with my private financial data, my credit card number, without my express consent. 

I understand the convenience this provides both businesses and consumers, but I feel this is something I should have to opt-in to, or at the very least be able to opt-out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: PENTAGON FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
Upon pulling my credit for a purchase in the near future, I notice an inquiry that I never authorized. I have made several attempts to try to rectify this issue with this company. They have not addressed this issue. This inquiry has effected my my credit score. I take great pride in my stellar credit, which I have toiled relentlessly to get to this point. Please remove this unauthorized inquiry from my report.

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 2021-01-07
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
Upon pulling my credit for a purchase in the near future, I notice an inquiry that I never authorized. I have made several attempts to try to rectify this issue with this company. They have not addressed this issue. This inquiry has effected my my credit score. I take great pride in my stellar credit, which I have toiled relentlessly to get to this point. Please remove this unauthorized inquiry from my report.

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 2020-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i was on the phone with capital one and told them i will have to money available to pay the credit card off in a week to which therefore they still sent me a notice saying i had not paid them and then sent another notice and phone call i had not paid them when it wasn't a week yet to pay them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: McCarthy, Burgess & Wolff, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, try to collect a debt that's not owe. Actually, XXXX owe me {$2600.00} in exemplary punitive damages. I return my XXXX XXXX to XXXXXXXX XXXX which they receive and never issue a return. 

( Ga. Code 16-8-12 ; 17-10-3, -8 ( 2020 ). ) Misdemeanor Theft A person who steals property or services valued at {$1500.00} or less commits a misdemeanor, punishable by up to 12 months ' jail time and a {$1000.00} fine. If an offender receives a sentence of six months or less, the judge may allow the offender to serve the sentence on weekends or during non-working hours. 

Georgia allows any owner of stolen personal property ( not just retail merchandise ) to bring a civil action for damages against the offender. 

Before filing the civil action in court, the property or store owner must send the offender a written demand and give the offender 30 days to pay the following amounts : compensatory damages for the value of the property and any other losses incurred from the offense, and exemplary ( punitive ) damages in the amount of {$300.00} or triple the value of the loss, whichever is greater. 

If the offender doesn't pay within 30 days, the property or store owner can seek the above damages, plus attorneys ' fees and costs, in court. ( Ga. Code 51-10-6 ( 2020 ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
There are items listed on my credit report that I have no knowledge of. This was a a result of malpractice or an error.

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 2019-02-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Yesterday XX/XX/2019 I was trying to purchase tickets to a concert through XXXX. I had a few back and forth emails with a person who seemed legitimate and was going to sell me his tickets. We agreed on a price and I sent him via XXXX on the wells Fargo app the amount of {$400.00}. I did not receive the tickets. After realizing I've been scammed I decided to call wells Fargo today XX/XX/2019. I spoke to a representative, they told me I could file a claim but not with them, with XXXX, so they transferred me. I spoke to a XXXX representative who told me there was nothing they could do. They suggested I file a police report, which I am going to do tomorrow morning. I also filed a complaint under the internet crimes department. I just feel a bit helpless and banking with Wells Fargo for many years, they are usually more helpful than that. I'm understandably upset.

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 2020-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX ( XXXX ) XXXX XXXX XX/XX/2020 To whom it may concern : Consumer Financial Protection Bureau On XX/XX/2020 I received an email from Capital One informing me that my credit card account ending in ( XXXX ) was past due and that I had incurred a {$28.00} late fee over a {$1.00} difference in my minimum payment ; meaning that in XXXX I paid a {$27.00} minimum and for some reason it changed in XXXX to {$28.00}? 

I paid {$27.00} as I did last month ( this will be added to the complaint ) but the amount changed for some reason? During these trying times they couldnt contact me or email me or waive a {$1.00}? 

I just dont buy the excuses that I have gotten from speaking to several supervisors and agents who honestly did not offer to help me at all and in fact took my {$1.00} payment over the phone on XX/XX/2020. 

This was a shock considering I paid both payments on my Capital One cards on XX/XX/2020 with my debit card ending in ( XXXX ). I am attaching my bank statement with the payments to Capital One on XX/XX/2020. I am also attaching the email that was sent to me today on XX/XX/2020 as well as the statement showing a {$1.00} amount. 

According to Capital One I still owe them {$1.00} yes thats right {$1.00} I am being charged a late fee of {$28.00} because of {$1.00} that was not paid. The minimum amount changes monthly from one month to the next. The reason for this change is due to the card being used according to Capital One but I have not used the card in a few months because I have been trying to get my card in good financial standing. So this constant changing of amounts is concerning to me for several reasons. The first is the late fee and my credit score going down 9 points this month ; which I am also attaching to this complaint. 

With everything thats going on and I am XXXX with XXXX I could have used that money to buy facemasks this month or other medical related items that I need but I paid my credit card company early and they could not contact me over the phone, or email me or simply waive a {$1.00} fee? Really? Capital One? Really? Is this legal? 

I did in fact pay the {$1.00} as of XX/XX/2020 when I was made aware of the situation. I have been paying all of the late fees on both of these cards but this situation is wrong ; its just not right. 

I want the late fee removed from my account and I want my credit score fixed by Capital One and I also want to know why? They are not reporting early payments to the credit reporting agencies? When I make them early? If we report the negative we need to report the positive too! 

In my opinion Capital One took advantage of the situation and was trying to obtain late fees and thats why they keep changing the amount on the minimum due each month. 

Thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07
Company: Google Compare Credit Cards Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I would like to file a complaint against Google Pay Mobile Wallet. 

Google rolled out its new Google Pay App in XX/XX/2020 and it is a nightmare. I received some money from my friend on XX/XX/2020 and would like to transfer the balance to my external bank account. The transaction got declined. I reached out to customer service and soon had a callback. The representative understood my problem but could only create a ticket and told me that a specialist will contact me in 24 hours.

I received an e-mail notification telling me that the problem has been resolved and I will need to wait for another 24 hours before my Google Pay account can be fully functional. I tried again on XXXX but the problem still existed. I reached out to Google again and was told to wait for 24 hours to be contacted and followed by an E-mail saying the problem was resolved.

After another 48-hour wait, I tried again and still can not transfer out my balance. I contacted Google again and found myself still trapped in the same loop. Wait for 24 hours to be reached and another 24 hours for Google Pay service to be normal. It turns out that Google continues to lie to their customer. They unlawfully hold my money and block me from accessing it. 

Some of my friends also have the same problem accessing their funds. During my third call with Google, I learned from one of their senior specialists that there might be some system glitches. I believe Google should not roll out its new Google Pay at the beginning if they knew the system is not ready. This is totally not acceptable. 

Today is XX/XX/2020 and after my third attempt. I completely lose my patience with Google Pay and decide to file a complaint against Google.

Here are the case numbers I got from Google : XXXX, XXXX, XXXX. They said they have fixed the issue in each of them but apparently, they made zero progress.

Company response to consumer: Closed with explanation