BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed several inaccurate or/and unrecognizable accounts from my report to the credit bureaus but they are not neither answering nor taking action, i give them 30 days and then try to reach them out again for not answering but they don't do anything anyways.

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 2022-06-18
Company: EQUIFAX, INC.
State: CA
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 i believe XXXX XXXX  account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2022, I have purchased gas from the XXXX gas station located at XXXX XXXX  XXXX XXXX, XXXX, PA XXXX. The transaction was made at the pump, and I purchased about 14 gallons of regular fuel, at {$3.00} per gallon, for a total of roughly {$53.00} ( the actual quantity was just slightly less than 14 gallons ). 
After the transaction was completed, the pump did not give me a receipt and a gas station attendant told me that their systems are down, and they can not give me a receipt. 
Following this transaction, on XX/XX/2022 a charge in amount of {$170.00} was posted on my Chase Freedom Credit Card, for the purchase described above. 
The difference between the charged amount of {$170.00} and the actual purchase of {$53.00} is fraud and I contacted Chase Bank to raise this issue. 
Chase Bank rejected my claim though because I was not able to provide a receipt, which I claimed was at the very least irrational since usually people do not give receipts for fraud. 
As such, I believe that Chase Bank is not meeting its obligations of fraud protection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-06
Company: CONTRACT RESOLVE GROUP LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
on XX/XX/2018 caller identified himself as XXXX ... .told personal information to non involved parties ... used profanity ... stated he was an attorney ... .repeatedly calls back after being told to stop ... .made what sounded like a threat of violence

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a XXXX XXXX  rollator and was charged the first of 5 easy pay, payments, which I received the product on or around XX/XX/XXXX, or XXXX XXXX and due to the product not having a seat on it, it was returned on XX/XX/XXXX. It was returned to XXXX and I charged the product to Capital One, and Capital One now refuses to give me my money back, they did a temporary credit and on XX/XX/XXXX, they said I haven't sent in all the requested documentation they keep asking for a cancellation policy, I asked them what cancellation policy, it wasn't a hotel room, I had a 30-day money back guarantee. and I had returned the item in the allotted time, I sent them the notice stating that there was a 30-day satisfaction money back guarantee. They are illegally withholding my refund and now they continue to send me letters that because they haven't received the proper requested documentation, that they have closed my dispute and will not be refunding me any money. If have any issues I am to follow up with the merchant directly, I am XXXX XXXX XXXX and I don't know who to contact and I sent them back everything that was in the box. How can they continue to withhold my refund, my money didn't go directly to XXXX, Capital One put the charge on my account and they have had every excuse from, the tracking is insufficient evidence to they need a copy of the cancellation policy. This is illegal to not giving me a refund and to prove the merchant got the product back, I have a charge of XXXX on my card for shipping. can somebody assist me in resolving this matter? I am attaching all documents including letters, one states they would like to help but I have no account with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: CA
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 i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Victim 's debit card was used to fraudulently withdraw {$27000.00} from my Checking and Money Market accounts with SunTrust. 
On XX/XX/XXXX, Victim filed an online report of fraud ( Claim XXXX ) with SunTrust 's Fraud Department On or about XX/XX/XXXX, Victim filed a report with XXXX Police ( Case # XXXX. Note : On page XXXX of said report, the alleged offender acknowledged his guilt. 
On/about XX/XX/XXXX, Victim prepared and filed FTC complaint XXXX. 
On/about XX/XX/XXXX, Victim filed a 2nd compliant with XXXX Police Department ( Case # XXXX ), XXXX Police Department, XXXX, GA XXXX, Phone : ( XXXX ) XXXX On XX/XX/XXXX, Victim filed a report with XXXX XXXX Police Department ( Case # XXXX, XXXX XXXX Police Department, XXXX, GA XXXX, Phone : ( XXXX ) XXXX On/about XX/XX/XXXX, Victim filed a FBI Internet Crime Complaint Center ( ICXXXX ) # 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 2015-09-03
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AZ
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I have received several emails from Ace Cash XXXX. They are constantly harassing me regarding a debt that has been settled in a bankruptcy in XXXX

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 2022-06-18
Company: EQUIFAX, INC.
State: CA
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 i believe XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 i believe XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX, 2021 I notified Bridgecrest that they open loans without my knowledge or authorization. I informed them that I was a victim of Identity theft. I received a letter from Bridgecrest on XXXX the XXXX, 2021 requesting police report, notarized identity theft affidavit, government issued ID and my social security card. I sent certified a letter on XXXX XXXX, 2021 with all the information Bridgecrest asked for. I received the same letter from them on XXXX XXXX, 2021 requesting the same documents. I sent another certified letter on XXXX XXXX, 2021 with police report, notarized identity theft affidavit, government issued ID and my social security card. I have not received a release of liability for the fraudulent account. I will be certifying and sending all the documents to Bridgecrest on XXXX XXXX, 2021.

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 2019-11-25
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: Account information incorrect

Complaint:
Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization and I noticed unauthorized credit inquiries had been made. I contacted the following : XXXX XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Who conducted the inquiries and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into the ones named above on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

In you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter.

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 2020-01-22
Company: EQUIFAX, INC.
State: SC
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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS LISTED HAS BEEN DAMAGING MY CREDIT AND HAS BEEN HURTING MY NAME IN THE SYSTEM. PLEASE HAVE THOSE ACCOUNTS REMOVE OFF MY CREDIT FILE, INVESTIGATE THIS MATTER AND HAVE THOSE DEBTS OF FMY CREDIT FILE FOR THEY HAVE WERE NOT AUTHORIZED MY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS LISTED HAS BEEN DAMAGING MY CREDIT AND HAS BEEN HURTING MY NAME IN THE SYSTEM. PLEASE HAVE THOSE ACCOUNTS REMOVE OFF MY CREDIT FILE, INVESTIGATE THIS MATTER AND HAVE THOSE DEBTS OF FMY CREDIT FILE FOR THEY HAVE WERE NOT AUTHORIZED MY ME.

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 2022-02-22
Company: FREEDOM FINANCIAL NETWORK
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX, XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, NJ XXXX has been sending me collection notices in the amount of {$9700.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Company has consistently told me this was funded it has net been, they are holding me accountable for this loan that was never received.I have asked to cancel I have been told I can not cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Issues in this complaint : Improper handling of escrows Failure to pay property taxes timely Repeated provision of false information concerning the status of property tax payment Duplicate payment of property taxes with full knowledge that they had already been paid Failure to reimburse duplicate property tax payment timely Loss of earnings on retirement savings withdrawn to cover unpaid property taxes Details : Freedom Mortgage withdrew {$4900.00} from our escrow account for property taxes on XXXX XXXX, XXXX. We were scheduled to refinance on XXXX XXXX through XXXX XXXX and a few days before closing our banker informed us that the taxes had not been paid. 
I called Freedom 3-4 times between XXXX XXXX and XXXX XXXX to follow up on the missing tax payment. I was repeatedly given false information that an individual check for our taxes had been sent to XXXX XXXX. 

Our banker and the XXXX revenue department informed me that mortgage companies typically do not send individual checks for property taxes but rather bulk payments through a tax servicing company. On XXXX XXXX I requested an escalation from the Freedom call center and finally got confirmation that no check had been sent directly to XXXX XXXX. I was told that the tax processing servicer was XXXX but that they could not contact XXXX on my behalf but only open some kind of ticket with another Freedom department. The ultimate result of the " ticket '' was an email that repeated the false information that our taxes had been paid ( see attached ). 

I contacted XXXX directly on XXXX XXXX. They were able to find our taxes in the bulk transmission from Freedom, and informed me that they did not intend to pay them before the end of the year. As a result, we were forced to withdraw money from retirement savings on XXXX XXXX in order to pay this unexpected expense and fund our new loan. 

On XXXX XXXX I emailed proof that our property tax payment had cleared to XXXX and also notified Freedom ( see attached ). Despite having been provided timely notice and evidence that our property taxes had been paid, FreedomXXXX paid them again on XXXX XXXX. Freedom refused to reimburse our tax escrows at that time and said we would have to wait for XXXX XXXX to reimburse XXXX and XXXX to reimburse them. My understanding was that it should take about 4 weeks after XXXX XXXX issued a refund for us to receive our refund from Freedom. XXXX XXXX issued reimbursement on XXXX XXXX but our refund was not mailed to us by Freedom until XXXX XXXX, XXXX. 

As a result of Freedom 's actions we have lost 4 months of earnings on nearly {$5000.00} in retirement savings.

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 2017-02-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/XXXX I signed up online for a new checking account at 5/3 Bank under a promotion which offered a {$200.00} bonus after making 3 online bill payments and setting up a direct deposit. The offer states that a {$50.00} minimum deposit is required to open all checking accounts and obtain bonus. I made the 3 bill payments on XX/XX/XXXX and a {$50.00} payroll direct deposit on XX/XX/XXXX, thus satisfying all of the necessary requirements. The terms of the promotion stated that the bonus would be paid out within 6 weeks of completing the requirements. As of XX/XX/XXXX, I still have not received my bonus payment despite multiple phone calls to customer service. The bank is claiming that the offer required a {$500.00} minimum direct deposit, however the terms of the offer displayed online when I applied made absolutely no mention of {$500.00} minimum. The only minimum deposit amount mentioned in the terms was the aforementioned {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for an FHA Streamline refi loan with Freedom Mortgage corporation, but I felt I was being given the runaround while waiting for approval from their Underwriters ( was asked to provide the same documentation repeatedly, etc. ). I decided to apply with another lender and withdraw my application from Freedom mortgage, but now they are sitting on my FHA case # and not releasing it to my current lender, which is holding up my loan!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: American Credit Acceptance, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I finally logged into my XXXX  yesterday XX/XX/XXXX and I noticed 8 inquiries that should not be there. I already sent in a few for XXXX   and XXXX  but there are a few more on my XXXX  that should not be there. This all happened around the same time, on XX/XX/XXXX or XXXX. There was one for XX/XX/XXXX as well. Please let me know what are the proper steps in taking these off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I finally logged into my XXXX yesterday XX/XX/2020 and I noticed 8 inquiries that should not be there. I already sent in a few for XXXX and XXXX but there are a few more on my XXXX that should not be there. This all happened around the same time, on XX/XX/XXXX or XXXX. Please let me know what are the proper steps in taking these off.

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 2019-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2019 XX/XX/2019 XX/XX/2019 I have reached out to BOA and the three credit breaus because there are several missed payments showing on this credit card and I have never owned this credit card, so the data on the card shows that I have been delinquent and this was a card not authorized by me.

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