BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-11
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:
I reported 2 unauthorized transactions to chase made on XX/XX/2020 and XX/XX/2020 for {$210.00} and {$410.00} respectively. At XXXX and XXXX. I did not make the purchases that I reported and the bank has since reversed the credit and charged my account again. When I called asking how they came to that decision they simply said because the merchants had not approved the charge back and I was told to contact merchant directly and resolve the issue with them. I did contact both merchants directly and after several phone calls and a few hours of confusion and misdirection and misinformation I came to the conclusion that the bank is the one that needed to deal with it. I called my bank again looking for support and didnt receive any. On the contrary they made it seem like I was the bad guy in this and refused to do anything further and gave no advice as to how to proceed and would not send me more information on the purchases and have been very rude and hard to get help from. My bank in question is Chase bank and the purchases were made with my debit card allegedly although its unclear if whoever made the purchases used a pin or not or if the card was actually used or Information manuall entered. They havent been willing to disclose my own information which I find odd. I need help recovering my money, times are tough and I have a family with a XXXXyear old little girl. This is the first time Ive ever had to reach out this far to settle a problem. And I feel like Ive done my part and my bank has let me down on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I purchased XXXX XXXX Gift Cards from Wells Fargo & Company, and loaded {$200.00} on each with a {$4.00} fee, totaling XXXX. Upon realizing that the card did not work at retailers I was led to believe it would work at, I attempted to have my remaining balance ( the full {$400.00} ) returned to me. I did not seek to have any associated taxes or fees refunded. I was told by a Customer Service Representative that the best they could do was offer me 65 % of my remaining account balance. I attempted to complete this refund within 48 hours of the initial purchase, and had my receipt from the initial transaction. Every attempt to resolve this issue with Wells Fargo & Company has been met with contempt, and I do not believe that they have dealt with my issue in good-faith. I was not cautioned about any policies regarding refunds at the time of the initial transaction. I find a 65 % refund to be wholly unacceptable as I had paid for the balance in cash, and in full, only 48 hours prior.

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 2020-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2020-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
my name is XXXX XXXX XXXX capital one 18 months never late XXXX XXXX XXXX pod special handing XXXX XXXX XXXX this is ssa fraud deposit before any changes day XX/XX/XXXX XXXX XXXX XXXX totalXXXX XX/XX/XXXX insurance fraud state auto XXXX XXXX XXXX XXXX credit breach XX/XX/XXXX atm errors refund blocked XXXX XXXX XXXX each deposit billed labeled dated fraud alert

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home mortgage and the escrow account is with wells fargo. They paid the property tax with an incorrect XXXX Number for my property in the year XXXX. When the tax collection letter was received for non payment of taxes, they paid the second payment correctly and charged my escrow account twice making it as negative balance. I have been contacting them from seven months for the correction of my escrow account and they say that they can not correct it until they receive the reimbursement from county tax dept. When I contacted the county tax dept, the funds were reimbursed to wells fargo on XXXX/XXXX/XXXX. Wells fargo seems to not have been putting any efforts on locating the refund and applying the deposit to my escrow despite of their mistake. Now I want to refinance my loan with a different lender and requested for a payoff statement. Wells fargo is sending the payoff statement with incorrect amount ( including the property tax they paid the second time due to their mistake XXXX to my new lender. Even after several calls to them from me and escalating the issue to their president office resolution department, and having the tax collector involved and talk to them, they are not providing the correct pay off statement. They just say they are waiting for information from county tax collector and I have to pay the incorrect pay off amount with increased dollars if I want to close the loan with them. This seems to be like a fraud to hold the customer long enough to gain interest fee from them and/or not to allow them refinance with other lenders Despite it is their mistake, they are trying to collect the money from me and committing a fraud. They say that they ca n't adjust my escrow account until they determine that the funds are received which is irrelevant to me. I have been paying my bills on time and when I need a pay off, they should send it with the correct amount and they are not willing to provide it. They behave as if they do n't worry and ask me to pay the extra amount and get the reimbursement from the bank when they resolve this issue in future without any definite time. Please help me with escalating this fraud being done by wells fargo and save several other customers who are suffering from similar issues from this bank. 
Finally this appears to be like a fraud to hold the customer long enough to gain interest fee from them and/or not to allow them refinance with other lenders

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 2015-08-06
Company: SECURITY FINANCE CORP
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have a loan with Zia Finance. I told them a couple months ago that I would pay them as soon as I could. My wife is XXXX and to us paying her XXXX bills is our priority. They constantly call my wife, all my references, and myself at least 10 times a day. They call back to back non stop. I have told them before not to be continuously calling because I am at work and can not speak on the phone. They continue to harass me. They have called my boss before and I told them not to be calling him. Today XXXX/XXXX/2015 they showed up at my work and told my boss that I owe money and they cant get a hold of me so they need all my information. On Friday a woman showed up to my home, like they do everyday, and my wife had a sign on the door saying that our newborn was sleeping and not to knock. The lady started knocking as loud as she could and my wife went to the door and asked her if she read the sign because she woke up the baby. The lady said " Yes I read it but I do n't care, XXXX needs to pay his bills ''. The lady then threw the paper stating the amount owed in my wife 's face. My wife went outside and told her to leave. She went to sit in her truck and said she did n't have to leave and just kept repeating " Tell XXXX to pay his bills ''. My wife also mentioned that whoever came by the day before tore our screen door trying to shove the paper into it. She then stated that " If XXXX paid his bills that would n't happen ''. I am being harassed by them everyday. They told me they are allowed to call and show up as much as they want!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: RICHLAND HOLDINGS, INC.
State: NV
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:
On or about  XXXX   XXXX ,    2017, I recei ved a letter from AcctCorp of Southern Nevada regarding a collection of alleged medical debt. On  XXXX   XXXX ,  2017, I se nt a letter certified mail to AcctCorp of Southern Nevada requesting the following : - Breakdown of any and fees including any collection costs and medical charges.   - Copies of any and all  XXXX   XXXX   XXXX   XXXX  bills, documents and correspondence in your possession.   - Copy of my signed contract with  XXXX   XXXX   XXXX   XXXX  authorizing release my medical information to ACCTCORP.   - Copy of any and all contracts between ACCTCORP and  XXXX   XXXX   XXXX   XXXX  as set forth in, but not limited to, T itle 45, 164.502 ( e ) and 164.504 ( e ) of t he Code of Federal Regulations. - Cease any credit bureau reporting until the debt has been validated by me.   AcctCorp of Southern Nevada failed to provide the information I requested as per the Fair Debt Collection Practices Act, and Tit  les 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations.
In addition AcctCorp is in violation of HIPPA and my privacy has been violated according to 45 CFR 160.103 as AcctCorp is in possession    of my private medical records and history without my express written consent.   AcctCorp of Southern Nevada is also in violation of the FDCPA ; having posted the alleged debt on my credit report prior to responding to the requests made in my letter to them, dated  XXXX   XXXX ,    2017. A copy  of the letter is attached.

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 2016-12-12
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
CFPB took action against NFCU on debt collection. I 've submitted my claim on NFCU for wrongful charges on a XXXX ( XXXX ) XXXX ( XXXX XXXX promissory notes, but was closed without satisfaction. My husband 's direct deposit to NFCU XXXX since retirement in XXXX, stopped in XXXX XXXX, sued here in AZ in XXXX, collected garnishments over $ XXXX, made an unannounced withdrawal of over $ 4XXXX to pay VISA acct, sale of XXXX here in AZ in XXXX XXXX gain of $ XXXX, but posted to an already closed account -- all raised Red Flags. His account, primary owner, was closed, but mine remains open. I was the XXXX garnished. Question : How is this different from the action taken recently against NFCU and not gained a penny because of the timeframe?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I disputed the account XXXX XXXX XXXX with Experian on XX/XX/2020. I requested under the Fair Credit Reporting Act that Experian provide information to proof the account accurate. 

On XX/XX/2020 Experian did not provide any information to prove the account as valid, but they allowed the account to remain on my credit report ( this is illegal ). I complained about there being no documentation provided to prove the account as valid on XX/XX/2020. 

It is now XX/XX/2020 and Experian still has provided no documentation to prove the account as valid. They have opened a new dispute on XX/XX/2020 instead of removing the account that was disputed on XX/XX/2020. They are in breach of federal law, and the CFPB is allowing them to break the law. I have disputed this several times this year and still XXXX has not been fined. 

Damages include my credit score being lower than it should be which has caused me to pay higher interest rates over the years. I am also not able to apply for credit cards, homes, or jobs that require good credit because of XXXX XXXX neglegence in investigating this issue. Experian and XXXX should have to pay damages after removing this fraudulent account.

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 2022-07-20
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 opened a Credit Card with XXXX XXXX on XX/XX/2022 and used that card to purchase a pair of shoes. 
I was mailed a statement for that purchase of {$27.00} on XX/XX/2022 and went to a local store to pay my entire balance in cash and present my statement to the cashier. I gave them cash and was given a receipt. 

I was next mailed a statement for XXXX still showing a balance. I called the store and Conmenity Bread Financial Bank and was told by both Agents that they could not find a record of my cash payment. 
I do not know what these companies are doing and do not care at this point. I am trying to not have this problem show up on my Credit Report before I want to retire. I have also filed a complaint with XXXX XXXX XXXX against XXXX XXXX who replied that this is Conmenity Bank Bread Financial problem to solve. 
They only give customers the option to make payments or make additional purchases. I have already made my payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-17
Company: Experian Information Solutions Inc.
State: IN
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. I ALSO SENT YOU A LETTER ON XX/XX/2022 AND YOU RESPONDED 2 DAYS LETTER SAYING PROCESSED, HOW IS THIS POSSIBLE.You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified or processed that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " REMOVE THIS ACCOUNT '' 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 2016-11-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX did not have authorization to check my credit for a service I had inquired about. In fact, I specifically said to NOT check my credit after which the XXXX representative lied and said they would not check my credit. Later I see that XXXX, in fact, checked my credit and gave me a negative disposition. When I formally complained to Equifax that the credit check by XXXX was unauthorized and should be removed from my record, Equifax investigated and gave me a standard message saying basically that XXXX checked my credit. According to XXXX their calls are recorded so I know that my stating specifically to NOT check my credit is a part of the call. Equifax has a dispute option that says " unauthorized credit check '' but it does nothing if you say a credit check was unauthorized and continues reporting negative information on your file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2022 I called to have 3 merchants stopped in my account .... On XX/XX/2022 one of the merchants were paid then triggering me to call. I was told then each merchant had to be submitted individually and I was charged XXXX.. Now it is that one of the merchants have been paid on XX/XX/2022 and now.im being told it was because the amount is different from the stop payment amount and was charged another XXXX.. Now I'm being told the amount is being paid to the merchant... I don't understand that if I was told when I submitted stop payment requests that theses merchants would be completely stopped.. I have paid a total of {$120.00} in fees to have this problem taken care of and still nothing is being done... I can't close this account with a negative balance and every time I speak to someone it's always a different reason why this keeps happening... This has been extremely stressful and frustrating that I can't rely on my bank to properly handle this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To whom it may concern, YOU BROKE THE LAW!!!

Pursuant to 15 USC 16814 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting information. This inaccurate information was furnished, and I was not notified when during the investigation process.

Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error undermined my confidence in your companies procedures, and as a result of this I will no longer extend credit and want these items removed IMMEDITLEY.

Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerhouse elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversity my credit worthiness.

Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumes this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) You did not insure the information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and violated my right to privacy.

( SEE EXHIBIT A ) Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( a ) ( I ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. The alleged transactions that you are reporting are false and have failed to investigate, weather or not it factually took place between the consumer, and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) In the initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

Pursuant to 15 USC 1681 a ( B ) Any authorization of a specific extension of a credit or credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit as defined as 15 USC 1602 ( 1 )

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