BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1200.00} XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$1000.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$4100.00}

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
Consumer complaint received 2019-08-03
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The balance on my XX/XX/2019 credit card ( ending XXXX ) statement was {$20000.00}. XXXX of this was 0 APR balance transfer. The rest is {$640.00} for purchases and fees. 
I paid XXXX dollars for this statement. XXXX dollars ( more than what I paid ) is applied to the 0-APR. So my 0-APR balance decreased by XXXX dollars. The high APR part is increased from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Returns made for purchases that were made at XXXX and paid with Chase VISA are not automatically refunded to the XXXX and are sometimes returned in cash. I complained about this practice on two occasions and was told that the amount could instead be placed on a gift card. After speaking to management on XXXX XXXX, 2017, I was informed that this was not the correct practice and that the amounts should have been refunded directly to the card. On XXXX XXXX, 2017, I requested XXXX XXXX XXXX XXXX  store management to complete a full audit on my store account because of the transactions that were not refunded to the Chase XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX # 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit file immediately.

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 2022-04-01
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I believe I was a victim of social engineering by a company called XXXX. They're a complete scam, but the company I am complaining about today is Ally Bank. Under regulation E they are responsible to issue a refund for cases of social engineering. The reason I believe this is a case of social engineering is because the hotel results were displayed by XXXX on their booking section so I had no reason to doubt it. I made a purchase on XXXX, XXXX, XXXX  for the amount of {$820.00} through my Ally Debit card. It wasn't until I called the resort to verify the voucher that I realized I've been duped. I've been trying to get my money back with the help of Ally for over 6 months but they haven't been very responsible. Their evidence for denying the dispute is that they contacted XXXX and were told that it's a valid ticket. What kind of evidence is that? I can provide a letter from the hotel confirming that the voucher is invalid. Ally Bank has to start taking legal, social, and ethical responsibility for disputes submitted to them. Currently they handle disputes with an attitude of It's your fault and we have evidence that the disputed transaction is valid. There's another blatant scam which they ignored, but for now I want to get my {$820.00} back for this case, and will submit the lesser fraud after.

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 2019-12-03
Company: EQUIFAX, INC.
State: PA
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:
On or before XX/XX/XXXX and XX/XX/XXXX respectively, I sent dispute letters to XXXX, Equifax and XXXX  requesting verifiable proof ( an original Consumer Contract with my Signature on it ) in accordance to the Fair Credit Reporting Act, Section 609 ( a ( ( 1 ) ( A ). Information on my credit report does not belong to me and the credit agency did not remove the accounts from my credit report. The credit report agencies has not verified or removed questionable accounts on my credit report. This is causing me stress, high interest rates, and loss in employment opportunities. And opportunity to obtain a mortgage loan to move into a save community to raise my daughter. In XX/XX/XXXX, Equifax announced a data breach that exposed the personal information of 147 million people. As well as XXXX  announced a data breach and I believe I am a victim. I am requesting XXXX XXXX  dollars for pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: NY
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-01
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: MIDCOUNTRY FINANCIAL CORP
State: TX
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 fell behind on payments and this account was charged off XX/XX/XXXX with a balance of {$770.00} and this has been the charged off balance since XX/XX/XXXX on XXXX, XXXX and XXXX. I recently applied for a home loan on XX/XX/XXXX and 2 days later this creditor has added {$720.00} to the charged off balance and now today they have added {$34.00} to the charged off balance bringing the balance to {$1500.00} on all three credit bureau. They are inaccurately reporting the balance owed on all three credit bureaus and inaccurately adding more to balance owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: EQUIFAX, INC.
State: MA
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 currently disputing an unverified account with Equifax and have asked the following credit bureau to provide me with documentation proving that this debt they claim I owe is actually mine & has been properly verified. I have sent FOUR letters certified mail with return receipt dating back to XX/XX/2018 requesting proper verification of this account they are reporting that they stated in writing is correct and has been verified. Who verified this account? They have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it. ) and under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... ..Promptly DELETE all information which can not be verified. Equifax is continuing to report this unverified account despite the fact they have not indeed provided proper documentation. The law is very clear as to the civil liability and the remedy available to me ( section 616 & 617 ) if you fail to comply with federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: JPMORGAN CHASE & CO.
State: MN
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:
My wife 's wallet was stolen in the early AM hours on XXXX  XX/XX/2021. We assume between midnight and XXXX XXXX. It was left in our vehicle and the vehicle was opened and rifled through, they found the wallet and left. At XXXX I got a text from Chase bank notifying me of potential fraud on my card, a decline at XXXX  for a charge of {$190.00} I immediately notified them that this was NOT us, to which they told us they'd be closing the card and they'd send a new one. My wife 's physical card was taken and used at this target. 

Later that day when checking all of our accounts we noticed there were more fraudulent charges tried at that same target with that same card for {$460.00}. These charges happened after we had already notified them that this was not us and they had supposedly canceled the card. I called to report this as additional fraud and they said they'd take a look at it. There were other cards used and those all were handled without any issues. 

Recently they came to their final decision, after multiple rounds of disputes, that this was indeed not fraud with the reason given of " You received benefit from this transaction ''. When I talked to a Chase representative on the phone they said this was due to the card being present and that since it was a chip card being used in person this wasn't fraud. I even sent in a police report to try to prove that we were not the ones using the card. Their insistence that the card simply being present means that we are benefiting is frustrating at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I call XX/XX/XXXX Thank you for calling us about transactions you did n't recognize on your account or card. Your claim number is XXXX. The bank says can not solve my problem. they told me they will be investigated but they did not do anything the fix the issue and some body was used my debit card many times in XXXX XXXX and also they withdraw money from my cheking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a car from Santander, I had to move because of job related issues I could no longer afford the payments so I did a voluntary repossession. The company sold the car and then still tried to collect the full amount of the car from me. After I was told that all I would owe was any balance if any that was left after the car was sold. They are still trying to collect  over 15,000.00 from me  and the car was n't even that much to begin with.   this is the second complaint, they responded stating that they could n't find any information. I am providing the la st four number s of my ssn #  XXXX , I do n't have any vehicle information anymore because this has been almost 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt reported by the collection agency was removed by  XXXX  from a previous dispute. this company has also reported the same item on my credit report repeatedly  on. XXXX /2017,  XXXX 2017, XXXX /2017,  XXXX /2017,  XXXX 2017 and  XXXX /2017. I want these items and collecti on removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to decease my mortgage principle monthly along with mortgage payments. I have went into my bank XXXX XXXX and with a bank officer. Sent a cash payment of $ XXXX {$420.00} for me, as a cash transfer to Select Profolio Servicing to apply to my unpaid mortgage. this was in XX/XX/2021. It is XX/XX/2021 and they still have not applied this payment to my unpaid balance. They tell me they have a turn-aroung of 14 days it has been almost a month. They told me eariler in a call they did not have enough people working in the department to do the work. They have given me every kind of excuse they want to keep from applying payments to my unpaid mortgage. 

I intend to open a checking account speifically for payments to be maded from it, to apply to my unpaid mortgage balance. I need CFPB, to monitor these payments for me so that this mortgagae company will apply these payments as specified for me. I NEED YOUR HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
i sent in complaint orginally XXXX and submited it as 30 days over limit last week and have not heard a word from company on what their doing to rectify this not even email

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 2017-06-14
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I became aware in XX/XX/XXXX that this company was reporting on all the credit bureaus a collection in the amount of {$200.00}. Upon inquiry, I was told that the debt related to " unreturned cable equipment '' several years earlier. I contacted XXXX XXXX XXXX - the provider in XX/XX/XXXX and they were unable to provide any documentation for the alleged debt. They agreed to remove it. When they did not, I filed complaints with the individual credit bureaus and XXXX and XXXX  removed the items. However, XXXX did not ( see attached ). In addition to collecting for a debt that is not owed, this is clearly ( see attached ) a duplication of another phony debt attempting to be collected by another low-life collection agency.

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 2017-06-14
Company: Experian Information Solutions Inc.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On  XXXX   XXXX ,  2017 , EXPERIAN  (   XXXX   ) charged my account {$29.00} after one-week trial expired based on the prior agreement. I paid for {$ 1.00} to access, but considering how much online technology information is moving at a rapid speed, I did not cancel the account within 7 days but you still have asked AGAIN whether I " still '' want to be charged or not. This is a question of ethic moral, stealing money from people who co nsented to {$1.00} and then did not want to consent to {$29.00}. I want my refund. I had spoken with the manager. The manager still refused because of the agreement online. So I turned to CFPB becaus e I need my money back whenever possible. Thanks.

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 2020-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt that I owed XXXX XXXX XXXX  that was in collection with XXXX XXXX XXXX that was paid off on XX/XX/2019. We decided to settle for {$50.00}. Now all of a sudden Portfolio Recovery ( which is a different collection agency ) is stating that I still owe {$340.00} when I already settled with XXXX XXXX on the aforementioned date. Because of the wrong information that Portfolio Recovery has .. my credit score has gone down drastically. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Ross Financial Recovery Group
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls and voicemails all day when I answer they dont say anything but if I call back goes straight to voicemail, contacting family members daily and letting them know I have debt that needs to be paid, been trying to contact XXXX extension XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Prince Parker & Associates
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX , from Prince Parker & Associates called my wife asking for payment in full for an   XXXX   bill of {$1600.00} incurred during the birth of my son on  XXXX / XXXX / 2017 . My wife asked  XXXX  if we could enter into a payment arrangement, to which  XXXX  responded   she could only offer 3 options ; 1, pay in full ; 2, pay half now and small monthly payments after ; 3, not pay and be referred for further collections which include litigation, credit reporting and additional repercussions.
My wife was clearly distraught given this information to which she asked me ( her husband ) to   call  XXXX  and discuss the account.     I called  XXXX  @  (   XXXX   XXXX   XXXX  ext.  XXXX  to ask what had transpired with my wife and to ask clarifying questions.  XXXX  reiterat ed the payment options, emphasized that she was from " Prince, Parker & Associates '', aske d for my wifes phone number and disclosed information about the debt prior to asking me who I was and prior to reading me the mini-miranda disclosure. When I asked  XXXX  what she meant by being referred for further collections meant, she fumbled through her response and ended saying that the account would " leave the attorney 's office '' and " be referred for additional collections with different payment options and credit implications '', at which point I asked her she was giving me false, misleading and threatening information -  XXXX  hung up the phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Experian Information Solutions Inc.
State: MI
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:
Experian and XXXX XXXX are reporting false information in my credit report. I disputed the information. They sent an email saying they had changed it. However they will not let me see my credit report nor will they let me login to the website. I requested they send the information by mail as required by the fair credit reporting act.

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 2021-10-28
Company: Coinbase, 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:
Coinbase Pro has a serious flaw where a purchase order goes missing, but the funds get locked up as if the order is still there. This has led to all my funds being locked up and available for trades and thousands of dollars of missed opportunity, and the order eventually executing at a random time of Coinbases choosing. This is fraud and a scam, manipulation of other people money, and a serious breach of policy.

Company response to consumer: Closed with monetary relief