BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
They Violated the truth and lending act by not disclosing that When I gave them my social security number they went in my trust and took funds out and you have a fiduciary obligato make sure I'm taking care of but they're not and they're still taking money out and they're double dipping With the remittance coupons they fail to accept but cash for their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Today, XXXX XXXX XXXX I went online to get my free annual credit report from the three major credit reporting agencies. I got it from two but NOT from Experian. I got the message that they can not provide the report. 
I particularly intended to get the report from Experian because XXXX XXXX from XXXX, MO send me a letter dated XX/XX/ denying a loan and referring to the Experian credit report. 

I have NOT applied for a loan at all and particularly not with this company or bank. 

The specifics on the Bank letter were " your credit Score XXXX Source Experian and Model : Experian/FAIR, XXXX ( XXXX. XXXX ) date : XXXX XXXX XXXX I need this to be investigated and resolved.

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 2023-09-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-05
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
LOANCARE/XXXX  XXXX At the end of XXXX I purchased my home and property. The first payment was due XX/XX/XXXX. The payments were set up electronically to come out of my wife 's account at XXXX XXXX. All payments were made and made on time. During the pandemic a forbearance program was offered to us and we took advantage as the program seemed beneficial. I later found out by calling the company with questions that they only showed one payment EVER being made and that they were attempting to get in contact with me. So after being in the forbearance program for many many months it now shows as a rolling late and has ruined my credit. I confirmed that they had the wrong phone number, mailing address and email on file. I explained that ALL payments prior to starting the forbearance were paid on time. I also asked why they wouldn't have informed me that there were any payments that showed unpaid. After attempting to get answers and following their direction to send proof of payments in which took 3 different times mailing and also faxing, I wasn't able to gain any ground with them. In the meantime the forbearance had to be extended multiple times for them to review the documents that according to them takes 45-60 days. I was told that they received the documents then after not hearing anything for 60 days I called back and was told they do not have any documents.This happened multiple times. They were sent certified mail. The stress level has been unbearable as we are about to lose our LIFE home. The have demanded all payments which at time time was over {$130000.00} and is much higher now. We have hired an attorney that has drained my savings account and he has now had any cooperation either. I have even attempted sending a payment in as I was advised and it was returned.At this point I am extremely concerned that we are losing our house because of someone else errors. I really would like to know where our payments went. This is our home and our investment. It has been almost two years and my wife and I had to put off a new roof and other much needed repairs due to the not knowing. As you can imagine we now have water damage because of the delay 's and other issues. There are of course more time-lined details we have recorded when needed. Our attorney was able to move the Trustee Sale Date to XX/XX/XXXX at XXXX XXXX. 

Thank you in advance, 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 2023-07-05
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XXXX I made a deposit to a hotel at XXXX XXXX XXXX for XXXX dollars. On XXXX the hotel realized the funds to be returned into my account. The money that was supposed to be returned never got returned into my account. I called my bank to see what was going on with the funds that's supposed to be returned to me and eveytime I call I get a different story on what's happening with my money. So they say on XXXX the funds was supposed to be refunded in to my account and never was. The representative that was talking to me was telling me that they supposedly put XXXX ik my account which already was $ XXXX and mad my account balance $ XXXX so if they put {$220.00} in my account why is my account negative when they where supposed to be returning {$220.00} to my account. I continued to try to explain to my bank that if they added XXXX then my account shouldn't have been negative amount but she kept saying the same thing over and over. So I tried hanging up and calling back and over and over, and every time I called a different person would answer and has something different to say every time switching up the story on what happend to my money. So I finally called one last time and asked to speak to higher up manager and was told something different about what happend to the money that's supposed to be sent then in the middle of me talking and trying to figure what's going she hung up on me. My problem still has not been resolved on I been waiting for over a week and a half now and still have no resolved issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In accordance with Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  Account # XXXX has violated my rights 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows it has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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:
Based off my XXXX credit check the account XXXX XXXX XXXX XXXX  # XXXX is reporting late for XX/XX/2021. Also the payment amounts on the credit report are inaccurate. I made a payment in XX/XX/2021 also a double payment in XX/XX/2021 through 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 2023-07-05
Company: JPMORGAN CHASE & CO.
State: CA
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:
XXXX XXXX of Chase Bank stole our money and wont give it backfor real. 

I use XXXX XXXX XXXX management services. I wrote XXXX XXXX and XXXX XXXX a good check of {$16000.00}. They did an excellent roofing job on my office building at XXXX XXXX XXXX XXXX, XXXX, Ca. They are next installing security cameras. 

I paid XXXX XXXX and XXXX {$16000.00}. XXXX deposited the check in his Chase Bank Account. Chase bank cashed the check. then refused to release the funds to XXXX and XXXX and instructed XXXX and XXXX to take me with him and we all provide IDs, appear at XXXX Chase branch office and verify who we are. We did as Chase demanded and Chase refused to acknowledge that we were even present at their bank. We all had appropriate documentation and ids. 

Chase is stealing our money. They wont release the money to XXXX and XXXX and Chase wont return the money to me! In real effect they are stealing it they will not acknowledge they hold the money and they are now claiming we must go to my bank XXXX XXXX XXXX XXXX and demand the check be returned. 

XXXX and XXXX and I all went to XXXX XXXX XXXX XXXX attached is the check # XXXX of XX/XX/2023 processed fully by Chase and XXXX XXXX XXXX XXXX front and back showing that Chase cashed the {$16000.00} check which cleared XX/XX/2023. We want the money released to XXXX and XXXX. 

Chase is politically discriminating ( not racially discriminating ) but politically discriminating because they dislike our Christ-Centered politics. 

We disparately need XXXX on XXXX help. Chase is crushing us because they can. Please assist us in getting the check cleared to XXXX in some business like fashion. Please. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Kriya Capital, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are repeatedly calling me, and now they are calling friends and family. I speak to them when they call, and I have told them to send me a letter, and we also agreed on a reduced amount for the debt. They have not sent anything to me, and are now harassing my family and friends. I have told them that I will not make a transaction over the phone. They will not stop the harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had an account with Synchrony Bank for a Care Credit and a Discount Tire Car Care account. I reviewed my credit report on XX/XX/2022 and Synchrony closed my Care Credit and Discount Tire account, stating I filed a bankruptcy. I did not file a bankruptcy. When I contacted them to find out where they are getting this information from, I was hung up on. They did not give me any recourse to fix this error and this is damaging my credit worthiness. I have a relative in my same household who filed, but he has a completely different social security number, so I am unsure how they are confusing this with me. My SSN ends in XXXX ( XXXX XXXX XXXX ) and the relative who filed for bankruptcy and the bankruptcy paperwork shows the last 4 of the social as XXXX ( XXXX XXXX XXXX ). Two separate people. They need to fix 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 non-monetary relief
Consumer complaint received 2023-03-02
Company: CL Holdings LLC
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is from nearly 10 years ago and is way past the statute of limitations for debt collection. I have not had any accounts with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 flight with two different airline companies providing each direction. I had to cancel the flight and received an airline credit for each airline. I received an email for each flight segment with a locator code indicating that I could use my flight credit within 1 year. The email did not contain restrictions. When I called XXXX to rebook the flight they indicated that I now had restrictions. I was the promised by XXXX that i would be able to access my new flight via their website, so i followed their instructions ad created a log in and after hours spent on their site i was unable to locate any flight booked for me. 

I filed a dispute with capitalone on XX/XX/2022. The next notification I received let me kow that they had not received documents related to my dispute and were closing it. I called up ad they reopened the dispute, one month later they closed the dispute again, I called the third time and the agent told me my dispute was closed because i had never submitted documents. I replied that i had never received the mail from capitalone and the agent said that i could only access my dispute files by downloading the capitalone app. I let him know that I was never informed of this new requirement and the agent said all their agents are trained to inform customers to access dispute files via the app. He then stated that because I did not have paper billing that is why i had never received the mail, so i switched at that moment to paper billing. I subsequently returned the documents via fax and received a later email from capitalone that i had never returned the documents. To further complicate matters, When I called the airlines for resolution they said to contact XXXX, when i contacted XXXX  they said i needed to work directly with the airlines. I utilized XXXX because there was a card holder incentive to purchase via that vendor in order to receive cashback. Ultimately I am out of pocket for the {$360.00} for the XXXX flight and {$290.00} that XXXX said today XXXX that i would have to contact the airline to see if they would honor the credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is a compliant filed against Chase Bank. Chase closed my account and hold my fund due a cleared/ funded check from XXXX. 

On XX/XX/XXXX, my friend issue a Check, amount {$21000.00} from XXXX. 

Around XX/XX/XXXX, I deposited into my Chase bank, and Chase on hold this Check ( Normal process ). 

On XXXX XXXX, the check cleared, the issuer from XXXX releases the fund, and XXXX receives the full fund. 

On XXXX XXXX, Chase closed my account, reason is unable to verify this check with the issuer.

The issuer doesn't have Chase account, and I provide his phone number to Chase, which was used to register in his XXXX account, but Chase said phone number unable to verify, that Chase can not call this number. 

Then Chase let issuer contact XXXX, to file a fraud cliam to recall this money back and make a statement said this is a valid check not a fraud, then pay me in another way ( wire ), but this is a vaild tranciation, issuer unable to file a fraud cliam in XXXX. In the same time, XXXX already verified check and released the fund, Chase has no reason to hold itXXXX XXXX can send a fund verification letter by fax to Chase, but Chase does not accept it. 

On XXXX XXXX, Chase closed my account without period notice, and still on hold this cleared check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a co-signer on a private school loan for my daughter. We took the loan out in XXXX and Ive been making payments on the loan since XXXX or XXXX. I cant recollect definitively when loan payments began, but I believe around around XXXX or XXXX, I did experience a financial hardship where I had request forbearance XXXX times from loan server AES. The loan is owned by National Collegiate Trust XXXX XXXX, and after a decade of on-time payments by me ( post forbearance request ) Ive been denied co-signer release benefit at least 3 times citing forbearance, even XXXX time is a disqualifying event for co-signer release per their terms. The loan was initially executed through XXXX XXXXXXXX XXXX. I did not know the loan by XXXX was even owned by NCT until years later when I initially starting inquiring about a co-signer release. I have never received documentation from XXXX or AES regarding the loan terms which supposedly include the forbearance stipulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: NM
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 have filed multiple disputes with Experian regarding a fraudulent loan being reported on my credit report. It is a loan from XXXX for {$1600.00} opened on XX/XX/2023. I first submitted a dispute as soon as I saw the account, thinking it would be easily resolved, as these issues have been in the past. Experian denied my claim saying the lender verified the information was correct. I told them this was not the case and started another dispute and jumped through many hoops including filing multiple claims with the FTC, sending my Passport, Drivers License, Statements, and Utility bills. I have been mistreated by their customer service, having calls disconnected and receiving emails to the effect that I am intentionally misrepresenting information. To me this amounts to gross negligence on their part. And now, whoever took this loan is not paying it back to the detriment of my impeccable credit. Experian has been less than helpful throughout this process. This fraudulent account needs to be removed from my credit report immediatly.

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