BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, 2022 I received an email from XXXX to authorize or decline an invoice. I did not click on the link in the mail. 

I went to my XXXX account online and with the two step authentication and declined payment of the invoice of {$550.00}. 

I then called the phone number listed within the XXXX message because it was suggested that I call. 

On the XXXX page listed a phone number that I called. ( XXXX ) XXXX. I reached out to someone on this number who said he was from XXXX and he would help me reverse the charges. 

He asked me to add an app. I said this doesn't feel right. I deleted the app later so I don't recall the name. 

He said that there were numerous other charges from XXXX and XXXX in addition to the original one I was calling about. He said that he could help me fix it and get my money back. 

We went to the XXXX app and he had me add email addresses and buy XXXX. He said that we had to enter it this way for a refund to my checking account. I said I don't see any credit in my checking account by doing this. I was assured that I would be refunded the amounts. It would take time to refund. A total of {$420.00} was charged with XXXX using my Chase Visa/debit card. 

At one point he said that he could not hear me and would call me back. He then called from another phone number. 

I am embarrassed to say that I was tricked and scammed. 

You need to know that I called this number from the XXXX website. The phone number was not in the original email they sent me. 

I suspect the scammer was the original person I spoke to and may very well be working within XXXX. He then had someone else call on a different phone number to scam me. 

I stopped when my bank called and suggested that I hang up from the guy because there were numerous suspicious charges on my checking account. I hung up and the scammer continually tried to call me back. I did not respond. 

It has taken me hours to try to figure this out. 

The Chase  initially replaced the money that was taken from my XXXX and XXXX accounts. They did research and determined that the fraud was done on my own phone and they removed the money from my account. 

Following are the amounts taken from my Chase  checking accounts that were not by me. The person said he was from XXXX removed this money : XXXX {$420.00} XXXX {$800.00} Chase  initially put money in my account due to fraud after I called and identified the fraudulent charges. 

Later on XX/XX/2022 and XX/XX/2022, Chase removed this money from my checking account because they said the fraud was done on my phone by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
SUBJECT : American Express Blue Cash Everyday credit card payment processing/ misrepresented due date/ delay in posting/ late fee and possible erroneous credit reporting consequences. Electronic payments by my bank are not posted when received by American Express, but delayed by 2-3 days. This means that the DUE DATE is not the due date shown on the statement, but a couple of days earlier unless and only if paid on their website. This forces the consumer to pay at least 4-5 days early to be assured of timely payment, even if EFT. THERE IS NO LEGAL EXPLANATION FOR THIS, that is just how it is, as explained by them. So, my payment is recorded when it is convenient for them instead of when funded in their bank, leaving the consumer at risk of unwarranted late fees and possible credit problems. On the day this account was opened, applicant had a FICO score of XXXX. This will be monitored for deterioration that may occur due to AMEX bad practice and included as an additional complaint if true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: LEXISNEXIS
State: WA
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:
Hi I requested a method of verification for a bankruptcy appearing on my credit report from LexisNexis via certified mail, it was confirmed that they received my letter on XX/XX/2021. According to their website they process this request within 15 days after the request is received. As of XX/XX/2021 I have not received any type of response from LexisNexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to correct these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior complain and I'm including it again. 
Here are the items that needs attention in my file : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of XXXX : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX Account Number : 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 2015-11-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Synchrony Financial is the creditor that my XXXX account is with. They were paid off in XXXX from my XXXX XXXX account. Please see attached bank statement showing debit. I spoke to my bank who says it was debited and yet Synchrony financial is stating they did not receive the payment and that I still owe money. I paid the account off before the interest hit and now they are not reporting the correct paid off balance. This has hurt my credit as well as my husbands who was a co-borrower. My husband is a business owner and relies on his credit to get business loans, we need this corrected now. I have talked to synchrony many time and they have given me the run around for over 4 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-11
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I recived a letter from XXXX XXXX XXXX ( Office of the President ) XXXX XXXX, 2016 about an unathorized rebill on my account. In the letter, she refused to help me. She claimed that I could call to have questions answered. I have called repeatedly and have not been assisted. I have tried to leave messages. I have sent her a letter asking for a call. This is a fraudulent rebill.

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 2021-01-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I JUST LOGIN FOR FIRST TIME DOWN PAGE AND SEE THERE IS UNAUTORIZED HARD INQUIRY LEFT BY XXXX XXXX, I DON'T HAVE ACCOUNT WITH THEM OR APPLY FOR CREDIT THROUGH

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 2016-03-11
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is from Cheveron Visa. I do n't owe them anything.

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 2015-06-22
Company: ENCORE CAPITAL GROUP INC.
State: DE
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This was a credit card that was in dispute in 2001 for about {$2500.00} which I though was revolve and closed. Now I see after XXXX years later unbeknown to me I am being contact from Midland Funding, LL with balance amount for of over {$19000.00}. I am assuming it goes from XXXX collection agency to another and are tagging on these ridiculous penalty plus interest on top of additional charges. This should be against the law and protect consumer from these collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: MI
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:
Experian has and continues to violate my Federally Protected Rights under the FCRA that is put in place to protect consumers from false, inaccurate reporting due to the banking system depending on maximum accuracy. I have contacted Experian via phone and Mail and through cfpb in hopes of getting these Unverifiable accounts removed but Experian employees failed to resonably investigate the issue and failed to understand there FCRA Requirements for over a year time frame. You failed to do so giving me a reason to believe my information is being tampered with. My credit Report suppose to be fair and equitable to me instead you are using it for you and your Business Partner Beneficial purposes.. XXXX XXXXXXXX stated they sent you a removal of the unverifiable bankruptcy account in XX/XX/2022 and you willfully are furnishing I have been disputing these accounts the past year and EXPERIAN still fails to provide substantial proof of there claim theyve received. I have made several attempts to get Experian to comply with their obligations under the FCRA. It is very clear you are deliberately and willfully negligent in resolving my issues. According to 15 USC 1681 a-5 unverified information must be promptly deleted. I am demanding you Remove the accounts in attachment. This falsely reported/ unverifiable information has negatively impacted my livelihood as a result of denial of credit and etc

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 2016-05-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/2014, i ordered the instaltion services at Lowe 's XXXX XXXX, located at XXXX XXXX, XXXX Tx XXXX. This is there phone number XXXX. I used the Lowe 's XXXX credit card. I trying to set up the automatic payment with them at The lowes center and i tried too call them many times.I let them know that i went out of the country and i trying to set up automatic payment. Because i cant go online and pay every time. The customer service agent from lowes was not helping me at all. I can ' t set up automatic payment with them on the phone and instore. I MISSED THE PAYMENT because of that. I am really frustrated because of that. they sent me to collection without trying to help me set up the payment. it is not my fault. i tried to call them, went online, instore. Nothing solve.

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to correct these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior complain and I'm including it again. 
Here are the items that needs attention in my file : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXXL XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX Account Number : 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
Consumer complaint received 2016-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I called on XXXX transaction on authorized transaction in my account and they disputed them but about three days later decide to close my account without notifying me although I know that credit card if you have to notify mebut what I do know is that a credit card company can not restrict or close your account for disputing transactionsI calledrestrict the account because I reported fraud and disputed transactions now they do n't even let me pay what 's left I tried to pay the bill and every time I try to come back saying that I 'm not eligible payments so the count is still staying the same interest fee they do not pay any fees and have XXXX credit cards and the same for the other ones the same

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
On XXXX XXXX, XXXX, I was contacted by an individual claiming to be an investigator, XXXX XXXX, for the XXXX County Sheriff. He informed me that he had a file on me on his desk that was awaiting application for warrant for fraud. He told me that it was a courtesy call allowing me the opportunity to resolve it that day and avoid processing the warrant due to the fact he would not be able to stop it otherwise. He stated that I would be arrested in the morning and arraigned before a judge within 24-48 hours if I did n't have it paid this evening. I told him that I did n't commit and that I wanted to speak with the individual who filed the complaint. At that point, he did a conference call with an individual identified as XXXX XXXX ( XXXX ) XXXX, who was with Risk Management at a company called XXXX XXXX XXXX. During this conversation, it was discussed that I still owed a balance on an old debt with HSBC that had been turned over to his client, XXXX, for collection. I informed them that this account was settled in XXXX and that I had a letter stating it had been paid in full. XXXX XXXX responded by stating that it had only been recorded as a payment by XXXX XXXX and that the account would never have been settled for such a low amount. I was also informed that XXXX XXXX was no longer in business. I then informed him that this was the second time I paid on this and that initially it should have been settled in XXXX when I paid a lot more. I told him that I would provide documentation if necessary to resolve it. At that point, XXXX XXXX spoke up and stated that the account had to be paid up and settled that evening or he would have to exercise the warrant. I felt that I had no other recourse but to pay it and not be incarcerated in order to allow me time to resolve this issue by other means. Since I have never been arrested, I did n't want to take a chance. After I paid on the account, I was told I would receive settlement documents via email and also certified mail with supporting documents. When I received the email documents, I noticed there was a discrepancy with the account number recorded. I informed XXXX XXXX XXXX that this needed to researched and corrected. The following morning I attempted to make contact with the investigator on the case and was surprised to find out that the contact number was actually that of a fax machine belonging to the XXXX County Clerk 's office. I immediately realized that something was wrong and contacted the XXXX County Sheriff 's Office trying to find the investigator. I was told that there is no such investigator by that name employed or affiliated with them. I then contacted the criminal division and filed a formal complaint about someone impersonating a law enforcement officer and appeared to be affiliated with this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account Number # XXXX Has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/22 I visited the XXXX car lot to lease a car, my mom was my co-signer. My mom and I ask the consumers not run our credit more than 3 times, ( We would goes elsewhere to lease an car ) if not approved. I wasnt approved with XXXX, a salesman referred me to another car lot by the name of XXXX. I applied with XXXX with my co-signer, my mom asked them not to run our credit more than 3 times. XXXX ran my credit XXXX times. Ive spoken to company, I was told I would have to dispute/take matters in my own hands. XXXX ran my credit XXXX times

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 2015-12-13
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
American Express sent a letter to me, dated XXXX XXXX, XXXX, stating that they were updating my address from XXXX, to XXXX ( I moved in XXXX ). However, I have not had any kind of relationship with American Express since I filed for personal bankruptcy in XXXX ; the balance on my old AMEX card was written off in the bankruptcy. On XXXX I called American Express Customer Service ( at XXXX ), spoke with XXXX, and asked him why they were trying to communicate with me via USPS. He told me I needed to call their " Special Handling Team '' at XXXX, which I did. I spoke with XXXX XXXX and asked her why they were communicating with me when we had not had a relationship in over a decade. She told me that they received information from " the USPS data base '' that my address had changed, and that is what triggered the letter. However, she refused to state why American Express had attempted to send a letter to me in the first place, and when I asked to speak with her supervisor, she hung up on me. 

American Express is harassing and haranguing me over an old debt that was discharged in bankruptcy. American Express needs to tell me why they are trying to contact me and why they are harassing me. If it is in fact because of this old debt, they are violating the Fair Debt Collect Act and they need to be sanctioned for this violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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: Was not notified of investigation status or results

Complaint:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, not response via mail or email and i am really disappointed about this happened account on. I am authorizing this complaint with proof of the disputes i sent out. Now please I attached my ID and utility bill to show who i am

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some accounts that are not mine. These accounts have never been opened by me or with my permission. I need your assistance to stop these accounts from reporting to my file. According to FCRA section 605b, the credit bureaus must delete any accounts mentioned in an identity theft report. To aid with the blocking of the fraudulent accounts that were discovered on my report, I have included some documents. 
XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance Owed : {$6100.00}

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