BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an offer from chase bank to open a chase private client account and if funded with XXXX dollars I would receive {$2000.00} after 3 months. I opened and funded the account on XX/XX/2023. After almost 5 months I had not received the {$2000.00}. When I went to the chase branch where I opened the account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ) and spoke to XXXX XXXX ( XXXX XXXX ) who opened the account he told me he had made a mistake and would try to get me the money. After that despite leaving him dozens of voicemails he would not return my call, so I went to the branch and spoke to the XXXX ( XXXX XXXX XXXX XXXX ) who said he would look into it and call me back that day. After not hearing from him despite leaving numerous voicemails I called chase private client customer service and filed a complaint. Not hearing back from them for XXXX weeks I called again and they said they had a record of my contacting them but not a complaint??? I said I want to file a complaint and eventually they gave me a ref. # ( XXXX ). That was XXXX weeks ago and I haven't heard from them since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX continue to report a derogatory collection account to my consumer credit file. At this point I am requesting ALL contractual documents stating and proving that I am and was responsible for this account as well as agreed to third party collection activity. I have learned that this is in violation of the FCRA and the FCDPA. At this point I ask that this non - validated derogatory account be removed from the credit bureaus immediately as this should not have ever been reported nor attempted to be collected on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a collection company named AArgon Agency INC stating that I owe {$470.00} and I have requested and disputed proof of debt but this agency continues to call mail and report this debt to the credit bureaus affecting my credit. Please have them refrain from contacting me and stop reporting this fraudulent debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiries listed below : INACCURATE NAME : XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, KY XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a victim of a horrible crime, whereby I was XXXX XXXX forced to reveal my phone passcodes and authentication information while visiting in XXXX XXXXXXXX XXXX  As a result of this I lost access to my apple XXXX account and thereby access to my AppleCard by Goldman Sachs account. 

I had an installment plan for my XXXX XXXX and since I had lost visibility into the account, I attempted to pay it off early by making a payment of what the CSR indicated was the balance of the loan of {$370.00}. This payment cleared my bank on XX/XX/2023. 

After this payment was made, and I attempted to close the account, I am told by another CSR that I have a {$98.00} balance, which I reluctantly paid. When I asked for a detailed ledger of the payments made to the installment plan in question so that I could reconcile the total amount and whether I am paying the right amount or overpaying and I was not able to receive a ledger nor any clarifying information, even by escalating to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Experian Information Solutions Inc.
State: NC
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:
XXXXXXXX XXXX is intentionally misreporting negative information on my credit reports to keep my credit score from recovering. I went through financial difficulty about 4 years ago and I am trying to move on but I can't get my credit to recover because of the continuous misreporting by XXXX XXXX I have attempted to resolve this issue with all three credit bureaus to the point where now when I attempt to dispute this account I get an automated message that says they will no longer investigate this account. I am going to list all of the incorrect information that is being reported and I am going to attach images directly from their sites that show what I am talking about. 
The first thing that XXXX is reporting is an available credit amount on a charged off account so that it will impact my overall credit usage which hurts my credit score. XXXX is reporting that I currently have a {$3000.00} credit limit on an account that has been closed for four years. 
XXXX XXXX is also reporting a new charge-off each month which adds new negative information to my credit report each month instead of allowing the account to age properly and therefore impacting my credit score less as time goes on. 
On the XXXX credit report, XXXX XXXX  states that account was closed on XXXX. However, the payment history reports that XX/XX/XXXX is 120 days late and XX/XX/XXXX is 120 days late. It is not until XX/XX/XXXX that the account is reported as charged off. XXXX XXXX is also reporting that there was a {$3000.00} credit limit between XX/XX/XXXX and XX/XX/XXXX even though the account has been closed since XXXX. 
On the XXXX payment history, XXXX XXXX reports XX/XX/XXXX as 90 days late and reports XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as 120 days late even though the account was charged off in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Sir or Madam : XXXX dba XXXX XXXX XXXX/XXXX XXXX/XXXX are attempting to extort money from Identity theft and asking for more personal information to collect a DEBT that is NOT MINE. I disputed with XXXX once, I started receiving letters that I was in college for years during this claimed {$4300.00} ( debt # XXXX ) but also working in a different state. I Never Opened or Paid an Account pertaining to XXXX XXXX. I was a busy STUDENT and working in XXXX, NH and upon graduating moved to another City. This is preposterous, as I had excellent credit and have now disputed and put a fraud alert on all of my CREDIT files during this challenging time. XXXX is constantly sending threatening letters to a previous business address for some account # endingXXXX I've never had. These people sent a listing of payments that did not come from ME and are constantly harassing, bullying me on a Fraud account. HUNT & HenriquesXXXX XXXX XXXX XXXX XXXX are sending packets to obtain {$4300.00} that IS NOT MY DEBT. I PAY BY CREDIT DEBT and THIS IS NOT IT. 
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: The Outsource Group, Inc
State: KY
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 am being billed for a service that was paid by two insurance companies including XXXX and received a letter stating what I am allowed to be billed and they far surpassed that and also being billed for people who were never in the room!

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: Experian Information Solutions Inc.
State: MD
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: Other problem getting your report or credit score

Complaint:
I am in the process of trying to purchase a home. In XXXX I pulled all three of my credit reports. When the lender pulls my credit now for pre-approval of a home loan EXPERIAN returns with no hits. This has been done by more than one lender, btw. I have called several times since XXXX to run into a dead end. They have mailed me my report so I exist. However I dont exist when my credit is pulled using my name, ssn and dob correctly. When I log onto the EXPERIAN website and pay for my credit report the last one in there system is XX/XX/2020, it will not update although I have paid for the service. I called about this as well. They tell me a supervisor will call me back within 3 hours its been 3 months. I have emailed them with no response. They have escalated tickets they say to address the issue with no response. I have written a certified letter to get help. Today when I went to annual credit report.com it came back Experian reported incorrect information this transaction can not be completed. This has been going on to long and I cant not get help to resolve the issue to get my home loan approval. Please advise asap it is greatly appreciated,

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 2018-02-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I mistakenly deposit money from XXXX to my old Chase Business banking account. Because, I had accrued a debt they kept my money and re-instated me a check under the name of my old business. 
I was told that the Chase branch would cash my check. When going to the branches, they have made it very clear that they don't cash businesses checks. 
When I call the Chase Business customer service, they aren't able to find a solution for me and state that they can't send me a check under my name. 
No one is willing to work with me and I have money that I am unable to cash. 

I can't find a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: OneMain Finance Corporation
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I took our a loan on or about XXXX XX/XX/2020 and used my vehicle to secure the loan. There was an issue with the paperwork and I was offered additional funds to help set off the payment that was charged. I accepted the offer for the additional funds and had to resign the loan as a result. In part I opted to have insurance on my loan as well in case of loss of job or sick ect. During the qualification process for the loan both of my jobs were evaluated and I was approved and received funds electronically. My payments were set up for auto pay in which was fine until I got fired from one job. I then notified OneMain via  XXXX XXXX XXXX via email at ; XXXX. I had not heard anything for a couple of weeks when I decided to call. I spoke with a young lady who said that there was a error in the form and that they presumed that I was not on my job long enough to be covered by the insurance and that I was ineligible because of it. I then stated to the woman, her information was not correct and that I was still employed by one job that later laid me off the following month due to COVID19. I advised her that I would send over documentation that was provided to me via the employer and the office of unemployment. She the advised me of the email address to send the documents to and that was the end of the call. Some time later during the following week I called the the representative Ms. XXXX at the XXXX, VA branch where I signed for the loan and explained to her what happened and she said that she would call on my behalf to find out what in fact is needed to proceed with the claim. During the waiting period for her to call me back I receive written correspondence requesting documentation that was in part provided. At this point I am confused when I receive a call stating that the insurance portion of the loan was refunded without my consent or knowledge. I was within my rights to file a claim and are eligible to receive benefits. However, someone took the initiative to cancel that portion of the loan and now I am being denied for not having coverage. This is not fair because they don't want to pay. We did not anticipate a crisis nor did I anticipate being out of work. However, being a responsible individual I did accept and sign for coverage just in case anything were to happen. I will attach documentation and can provide a contact via fax as the documents are too large to upload at this time. They are wrong for this and it should not be allowed for them to cancel coverage that I opted for on my loan as part of a contingency to have the loan. If a new form is what was needed to proceed they should have just asked for that and not just deny my claim and then go further and cancel the coverage all together. That is very deceptive business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
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 2020-12-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
While reconciling my XXXX and XXXX XXXX & XXXXXXXX XXXX XXXX bank accounts to ensure that the amounts reflected in my bank statements matches my internal business records. my general ledger and balance sheet was not accurate which caused me to look into my Bank Statements line by line. I have discovered my XXXX Bank account XXXX XXXX, XXXX with bank of America.. account number XXXX had unauthorized Transaction. the first two Transaction that i've notice was on XX/XX/XXXX with a company named XXXX XXXX for a unauthorized transaction amount of {$67.00} & {$3500.00} the same exact day, The second transaction amount was on XX/XX/XXXX with the same company XXXX XXXX XXXX XXXX for a unauthorized transaction amount of {$3700.00}, The third transaction amount was on XX/XX/XXXX which is the same company XXXX XXXX XXXX XXXX for a unauthorized transaction amount of {$3700.00}, The fourth transaction amount was earlier this year on XX/XX/XXXX with the same company XXXX XXXX XXXX XXXX for a unauthorized transaction amount of {$7300.00}, the fifth transaction amount earlier this year on XX/XX/XXXX with " XXXX XXXX XXXX for a unauthorized transaction amount of {$4400.00}, the sixth transaction amount earlier this year on XX/XX/XXXX with XXXX XXXX XXXX XXXX  again for a unauthorized transaction amount of XXXX, the seventh transaction amount of {$53.00} was with " XXXX XXXX '' on XX/XX/XXXX, the eighth transaction was with " XXXX XXXX '' on XX/XX/XXXX for the Amount of {$24.00}, Lastly the 9th unauthorized transaction was with " XXXX XXXX '' for the amount of {$24.00} on XX/XX/XXXX. 

I have disputed these unauthorized Transaction with Bank of America on Thursday XX/XX/XXXX that was discovered by myself and my accountant. I will attach a copy of the unauthorized dispute I downloaded from my BofA Mobile app.

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 2023-08-14
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was unemployed in XX/XX/XXXX then the pandemic started in XXXX. I was out of work until XX/XX/XXXX. I approached a credit repair company. I turned over XXXX credit cards with a balance greater than {$500.00} each. I had to make monthly payments to them. All of My credit card companies wouldnt settle. I contacted each credit reporting agencies. I disputed each credit card because of COVID otherwise I was making payments. I was told by the agencies that the credit card company said to leave it as reported which is staying on my account. The amounts are incorrect. My credit repair company has been trying to work with each credit card. They started making payments but I was told that each credit card wasnt cooperating nor reducing my balance nor removing it from my credit report. My income dropped drastically. I had companies to close because of COVID. I went from 11 companies to 5 companies. Im a XXXX XXXX. Im on XXXX, XXXX and my income in XXXX was {$12000.00}. I have had help to cover my basic expenses and food.

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 2023-01-23
Company: Experian Information Solutions 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:
I have sent letter to each credit bureau against my rights being provoked unlawfully and I have sent prior messages through you as well. The bureau 's have not responded and it has been past 30 days from initial complain XX/XX/XXXX. The following still stands. 


In accordance with the Fair Credit Reporting Act : 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 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. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. These fraudulent accounts and reporting methods. deemed illegal should be removed from my report this is illegal and the files should be removed from my credit report PER THE LAW STATES.

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 2019-09-25
Company: Palmar, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2019 an XXXX from Jefferson and associates starting calling my hr manager at work in an attempt to collect a debt that was over 9 years old. I called the # and  extension left on voicemail to my hr manager where I was lied to about having to pay the time barred debt or legal action would be taken since I lived in a garnashble state. So I was forced to verbally agree a settlement which I then cancelled after learning my rights of FDCPA.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-14
Company: SYNCHRONY FINANCIAL
State: TN
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:
On XX/XX/XXXX, I sent a letter to a financial institution called Synchrony Bank for violating my permissible purpose rights under 15 USC 1681b. They inquired on my credit report without my consent on XX/XX/XXXX, as SYNCB/SAMS CLUB. I gave them 10 days to respond and requested proof that I gave them permission. I told them if they failed to provide me proof, to delete the inquiry off of my report. However, it has been 29 days since then and they still have not responded.

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