BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, as i'm driving i received a text from a friend who mistakenly received {$25.00} from me through XXXX. As i check my Chase account, there was a XXXX quickpay transaction for {$500.00} to an unknown person that was denied. I immediately call Chase Bank to inform them my account has been compromised. WHILE IM ON THE PHONE WITH THEM, i receive another notification that a {$500.00} transaction to another stranger was APPROVED, WHILE IM ON THE PHONE WITH CHASE informing them of fraudulent action on my account. I instantly make the claim for the {$500.00} dollar quickpay transaction that they APPROVED WHILE IM ON THE PHONE WITH THEM. 

I was informed that it would take 5-10 business days for the claim to process and if there was any updates, i would be contacted about them. Almost 15 business days go by so i decide to call the bank. They finally informed the claim was denied. NEVER contacted me through email or phone. The notes on the claim were that the transaction was approved because " these transactions were approved by me or someone i know ''. They could not provide the device ID, the ISP or any conclusive information. 

it is 2019, it is not unfathomable to think that my account can be hacked remotely and give the impression that these actions were done by me, that is the whole premise of hacking/fraudulent transactions. Chase is denying my claim although they can not provide anything tangible behind why they are denying it. They tried to claim my computer was hacked, even though i own a company encrypted laptop with antivirus protection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-04
Company: SYNCHRONY FINANCIAL
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 is missing that should be on the report

Complaint:
re : XXXX account # XXXX ... XXXX letter dated XX/XX/XXXX from synchrony bank states the company is unable to delete status when the account itself was referred to XXXX XXXX XXXX XXXX as a collection agent. The account was satisfied with written correspondence form XXXX dated XX/XX/XXXX. XXXX credit report states ( charged off as bad debt )

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 2020-04-10
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  has failed to correct an egregious error on my credit report for over one year. I have filed FIVE total requests to dispute and re-investigate and have submitted evidence that both my hard copy credit report they've recently sent as of XX/XX/XXXX, is also incorrect. 

There is a " new late payment '' now showing up on my credit report for a debt settled with XXXX XXXX one year ago. 

Experian has violated my rights under the Fair Credit Reporting Act. 

The Debt was with XXXX XXXX for the amount of {$2900.00}, paid in settlement and has a zero balance as of XX/XX/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 2016-10-20
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My house was flooded during the recent Louisiana floods. I was not required to carry flood insurance but I did so anyway. I received a check from my insurance for $ XXXX, but was told by Chase insurance I would have to provide a contractor 's license before they would release any of the funds. I work for the largest home builder in the state and am very aware of the laws. In the state of Louisiana anyone can build there own house as long as they do not exceed one house a year. I told this to them numerous times and provided documentation. After weeks of battling over this, they agreed and cut me my initial $ XXXX check. Approximately a week later I receive a denial letter, when I call to check on it I am told that I would need to register as a home improvement specialist in order to receive the remainder of my funds because the work is over {$7500.00}. I called the state licensing board who said the documents were read incorrectly by Chase and that the {$7500.00} requirement is for people who are going to do work on other people 's homes. I called Chase once again and relayed this info and after working my way up the ladder it was resolved. As a matter of fact I was told by XXXX XXXX, a supervisor, that Chase did n't have a leg to stand on in fighting my claim. I once again thought it was resolved. A week later, today, I was told that my request to self contract was rejected and to receive final funds I would need to register with the state ( who once again claims that is false )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: IN
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Experian Information Solutions Inc.
State: IL
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:
My issue or concerns are with XXXX and Experian I have disputed information from both credit bureaus. I have followed the correct protocol for filing a dispute. I have written letter and filed online corespondents. And ultimately my results are still the same. In my letters I have asked that they provide me with physical documentation with my signature according to the FAIR TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a account. XXXX has removed the bankruptcy chapter XXXX dismissed from my account serval times and then put it back after the 30 days investigation which makes my credit score plumbed. They are receiving this information from a third party call XXXX XXXX Consumer. Every time the bankruptcy is removed and put back on my credit reports it looks like a new trade line and makes my credit score plumbed. The other disputes I have with both XXXX and Experian are with ( XXXX XXXX XXXXXXXX for {$740.00} AND XXXX XXXXXXXX XXXX for XXXX both are showing up as charge off on my credit files. I HAVE NOT RECEIVED PHYSICAL VERIFICATIONS OF THE ORIGINAL SIGNED CONTRACTS FROM ANY OF MY DISPUTES. Therefore they should be permanently removed from both my Experian and XXXX credit reports. I have been disputing this information since 2017.

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 2022-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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  account # XXXX, had violated my rights 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 a 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 payment on a credit card account Under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
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: Credit inquiries on your report that you don't recognize

Complaint:
I was told that it was a soft pull does not affect my credit in any way and they run it multiple times over and over in 2-3 week periods and racked up tons of inquires hurting my credit and costing my lost of time and money trying to resolve this.

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 2017-01-25
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I just received a letter stating that my mortgage payment is past due. All my bills are paid automatically through my bank 's Online Bill Pay. There are a few payees who have an agreement with my bank to receive payment directly, electronically, including my mortgage company. I accessed my account online and show my payment was sent and processed on XXXX XXXX, 2016. So I accessed the mortgage company website and found the payment was, in fact received on XXXX XXXX, 2016. Because it was received before the beginning of the month, they applied the entire payment to the principal. Two days later, the day after the due date, they consider my payment past due. They 've done this in the past and so I had adjusted my payment submission date to the XXXX of the month. However, this time the XXXX of XXXX was a holiday since XXXX fell on a Sunday. Because of the holiday, my bank went to the last business day and sent the payment on XXXX XXXX. It does n't make sense for a mortgage company to have a due date of the first of the month and not accept a payment made before that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: PA
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 recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 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 2022-05-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have reviewed my consumer report and have found that the accounts listed in the attached document are extremely inaccurate. A consumer reporting agency must reinvestigate the disputed information " within a reasonable period of time '' and " promptly delete '' credit information that has been found to be inaccurate or unverifiable. XXXX XXXX. XXXX ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: SUNTRUST BANKS, INC.
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
FOR THE PAST TWO MONTHS I HAVE BEEN CONTACTING XXXX SUNTRUST TO TRY TO GE THEIR HELP REMOVING A REPORTING FROM MY CREDIT BUREAUS THAT THEY ARE REPORTING TO. AND I HAVE BEEN TOLD BY SEVERAL EMPLOYEES TO JUST SEND OVER A COPY OF MY CREDIT REPORT AND A WRITTEN LETTER REQUESTING THE ACCOUNTS TO BE DELETED AND THEY WILL HAVE THEM REMOVED. THESE ACCOUNTS ARE ALREADY CLOSED AND HAVE BEEN FOR YEARS. AND I AM APPLYING FOR A HOME LOAN. IN ORDER TO GET APPROVED THESE ACCOUNTS NEED TO COME OFF. I HAVE DONE EVERYTHING THAT I CAN DO THAT SUNTRUST HAS ASKED ME TO AND THEY HAVE BROKEN THEIR PROMISE TO ME AND LIED TO ME BY TELLING ME IT WAS ALREADY REMOVED. WHEN I CALLED SUNTRUST TODAY AND SPOKE WITH XXXX EMPLOYEE ID XXXX. HE SAID THAT HE IS SORRY FOR THE MISUNDERSTANDING BUT HE WILL NOT BE HELPING ME REMOVE THIS FROM MY ACCOUNT ALL THOUGH I WAS PROMISED THAT IT WOULD BE REMOVED. BECAUSE HE DOESNT HAVE TO. AND IT IS THERE REGULATIONS TO KEEP IT THERE FOR 7 OR MORE YEARS. WHY HAVE I SPOKEN WITH SEVERAL EMPLOYEES AND NON OF THEM EXCEPT HIM KNOW THIS POLICY? AND WHY WAS I PROMISED IT WOULD BE COMPLEATLY DELETED AND NOW THEY ARE SAYING NO? AND THE FIRST COMPANY WAS CLOSED DOWN AND SUNTRUST TOOK OVER SO WHY ARE THEY STILL REPORTING IT TWICE? AND REFUSING TO STICK TO THEIR PROMISE TO ME TO DELETE IT FROM MY CREDIT HISTORY?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Around XX/XX/XXXX I filed a dispute for a charge because the online seller didn't ship me the products listed on their website. The charge is for {$240.00}. 

On XX/XX/XXXX CapitalOne informed me that they couldn't assist me with the dispute because the seller sent them " Notification that goods were as described and received in good condition ''. The seller sent them proof that the products were shipped, sent them pictures of what they sent but they didn't send in proof that what was sent to me was what is listed on their website. The issue was never whether I received the products. The issue is the products look nothing like what is on the sellers site. 

On XX/XX/XXXX they sent me a letter that contains the information below : .... '' Your response to the documentation sent in by the merchant, as well as : A copy of your sales invoice or purchase agreement / contract, and information and / or evidence to support how the merchandise ordered differs from what was received. A second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem can be corrected, and what that will cost. A statement that includes the number of times the merchant tried to correct the problem, and a description of how you tried to resolve the dispute with the merchant. If you returned the installed parts, please provide the date and proof of return or the date they were made available for pick-up. If the merchant gave you a refund XXXX, please provide that as well '' I sent in photos of what I received, emails between the XXXX & I where they said they'd send me labels to return but never did, photos of the products that was listed on the seller 's site and the seller 's return policy. 

on XX/XX/XXXX & XX/XX/XXXX CapitalOne told me that they couldn't assist me because I didn't get a XXXX opinion from another seller. This is a strange request. I'm supposed to ask a company I've never purchased anything from to write a letter stating what they would've done different. What difference does it make how another seller would've handled it? Especially when I've provided clear documentation to prove I didn't get what I was supposed to. 
On XXXX I requested that my dispute be looked over again because I sent in actual proof and they came back and told me they still couldn't assist me because I didn't have a XXXX opinion. How does a XXXX opinion out weigh photos & emails? I'd like for them to resolve this issue with a positive outcome. I don't have money to throw away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
They have incorrectly/illegally reported late payments on my car loan. I have mailed them a certified them a letter regarding this situation. They have not corrected the issue.

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 2021-10-27
Company: Nelnet, 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: Account information incorrect

Complaint:
I tried reaching out to US Dept of Ed after my mortgage loan advisor told me that my account is showing past due. It appears that XXXX is mistakenly reporting the account as past due when really all of my accounts are current. US Dept of ed is stating that they dont see the error on their side so i need assistance having this updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am currently working part time and is struggling to repay my XXXX private loans. XXXX XXXX XXXX recently sold my loan to American Education Success. XXXX prior to selling my loan to AES sent me a letter. In that letter, XXXX wrote that all the terms would remain the same. However XXXX had my loan in deferment until XXXX 2015. AES has informed me that payment is now due on XXXX XXXX, 2015. The AES Agent said that their are not going to honor the letter..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: SUNTRUST BANKS, INC.
State: TN
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have a variety of accounts with Suntrust Bank, all of which are supposed to be no fee. Every few months, I will start to see fees again. I have to go into the bank, meet with an advisor who always apologizes, says the fees are erroneous & takes them off. This lasts a few months & then the fees reappear again. This happens on my accounts, my children 's accounts and my husband 's accounts & is chronic & ongoing. Very frustrating & seems fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-08
Company: Westlake Services, LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Ive asked several times why Ive one got an interest rate so high ( 20.99 % ) when my credit score during the loan origination was ABOVE 620. They are taking around 80 % of my monthly payment of {$330.00} and applying it to interest. Every time I ask they either A. Hang up on me, B. Give me a line of XXXX, C. Tell me they have the right to do as they please because its their money, or D. Tell me theyll get back to me and NEVER do. To give you an idea Ive been paying on this loan since XXXX of 2018 with a beginning balance of {$13000.00} and according to them I still have to pay these crooks over {$9000.00}!! By time Im done paying this loan off I will have paid over {$24000.00} for a car that wasnt even worth the {$13000.00} I financed it for!

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 2019-12-04
Company: 3rd Generation, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The finance company sell a car that was having mechanical problems ( I notified several times ). They called over 10-15 times a day ( even before XXXX ) and that's including my references. In addition, I provided the address to repossess the car and they never show up and now they are treating me to file a stolen car report ( which is false ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Experian Information Solutions Inc.
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:
I am a victim of identity theft ; I have mailed police report, identity theft report and proof of ID to Experian to dispute unauthorized inquiries reporting to my credit file. I have an extended fraud alert that prevents accounts being opened in my name but it does not protect against the inquiries from the attempts

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 2017-10-13
Company: EOS Holdings, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I 've tried numerous of times over the coarse of 2 months to alert The Collection agency EOS CCA that ive paid the balances that i owed them with a settlement amount that closes the debt. They keep reporting to XXXX and XXXX as a open degeragorty which is extreemly hurting my score. They keep saying they are gon na fix it but they have n't fixed anything as they promised. I 've been denied credit because of this open degeragorty. They are reporting it wrong..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
The following are fraudulent inquires that need to be removed : XXXX XXXX ( XXXX ), XXXX  card ( XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief