BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-21
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
You guys need to close down Loancare servicing. Even with the coronavirus, they are not helping anyone out. I cant get ahold of anyone and there website is making fill out an application that is longer than buying a home for the first time. PEOPLE need something now where they can suspend there mortgage till we are done with the coronavirus. It should be easy, just look at the zip code and you can see who is affected by this and cut them a break. Loancare does not help with ANYTHING. The faster you look into them, the fast you will see how bad they are.

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 2023-09-18
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
While reviewing my report I found an incorrect information that is causing me not to be able to find a home loan. I have contacted the party to this situation to no avail, I am asking once again to have the false information removed from my credit report. 

Please delete the following accounts from my credit report as the information currently reporting is inaccurate and it is affecting my credit in a derogatory way. Enclosed you will find the necessary documentation to correct the information you have received in error. 

Tradeline : XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX First Disbursement Date Original Principal Balance XXXX  XX/XX/12 {$21000.00} XXXX  XX/XX/12 {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, nv XXXX XX/XX/2023 Dear XXXX. 

I XXXX XXXX Consumer and natural person, am aware of all my rights which are protected by congress under the Fair Credit Reporting Act ( FCRA ). 
The list of accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 1. account name- portfolio 15U.S.C. 1681 SECTION 602 -states that I have a right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 -ALSO STATES a consumer reporting agency can not furnish an account without my written instructions. 
delete this account immediately, unless you want to be held accountable {$1000.00} per violation. 

2. account name- XXXX XXXX XXXX account # - XXXX 15U.S.C. 1681 SECTION 602 -states that I have a right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 -ALSO STATES a consumer reporting agency can not furnish an account without my written instructions. 
delete this account immediately, unless you want to be held accountable {$1000.00} per violation. 
3. account name-XXXX 
15U.S.C. 1681 SECTION 602 -states that I have a right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 -ALSO STATES a consumer reporting agency can not furnish an account without my written instructions. 
delete this account immediately, unless you want to be held accountable {$1000.00} per violation. 

Most Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a coupon by mail to ope n Chase checking and savings account with {$500.00} bonus. For savings account I was supposed to deposit {$15000.00} and for checking I needed to setup direct deposit. I have fulfilled all requirements, however right after that Chase changed its rules, and now I have to set up direct deposit from specific vendors. When I opened the account I specifically verified whether they accept any direct deposit, and the answer was " Yes '', and now they say that if my direct deposit not coming from SSA or an y government, it does n't count. Also, I advised them, that my direct deposit is coming from payroll, and I am a   XXXX   getting paid for   XXXX  , but they would not accept it. I 'm   XXXX   XXXX  , and I get very   XXXX    when people play games with me in order to make me feel miserable. I feel like I have to start a class action suit or hire an injury lawyer for driving me to  XXXX  with constantly changing rules and meaningless mind games. I want people to know that Chase is fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 writing to file a complaint regarding the incorrect information present on my credit report. On XX/XX/XXXX, I contacted XXXX to dispute the following inaccurate information on my credit report. Despite my efforts, to this date, I have not received a response or resolution from them. 
I am requesting the immediate correction of the following errors on my credit report : The account with XXXXXXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$170.00} ) was never late. Please correct/update this inaccurate information on my credit report. 
The account with XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX {$260.00} ) was never late. Please correct/update this inaccurate information on my credit report. 
The account with XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$200.00} ) was never late. Please correct/update this inaccurate information on my credit report. 
The account with XXXX XXXX XXXX XXXXXXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$500.00} ) was never late. Please correct/update this inaccurate information on my credit report. 
The account with XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$1300.00}, Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  ) is not mine. Please remove it from my credit report. 
The account with XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$390.00}, Original Creditor Name XXXX XXXX XXXXXXXX XXXX XXXX  ) is not mine. Please remove it from my credit report.

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 2023-05-01
Company: EQUIFAX, INC.
State: DE
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 this may concern at Equifax, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse Account number XXXX XXXX. As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. am not in dispute of the ownership of the account but it you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. Best Regards, XXXX XXXX [ XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022, I placed an order on the XXXX website ( order number XXXX ) for a jacket through PayPal Credit for {$280.00}. I never received the jacket and filed a complaint through PayPal Credit. The charge was originally reversed, and then reinstated on my account as XXXX provided tracking information to PayPal Credit. My credit limit was also substantially increased since this incident, with this being a common complaint on their consumer affairs webpage with a 2.2 rating XXXX XXXX XXXX XXXX XXXX XXXX. My credit limit for this card has increased to {$4800.00}, the highest out of any credit card I own, and this is XXXX of my newest cards. I am XXXX and take in around {$10000.00} a year. My plans for this purchase were to increase my credit as I put it on a 6-month financing plan, while being able to sell the jacket after the winter for a profit. This was really detrimental as I never received the jacket and still have the {$280.00} charge on my account. I have tried several times to open a case with PayPal Credit that keep getting denied ( another common complaint in their consumer affairs ratings ). I also sent certified mail to their headquarters in XXXX explaining the incident with documents. My credit score is almost XXXX. Please help me reverse this charge so I can close this account permanently. I would have never expected this from the PayPal house name.

If they can not reverse the charge, please help set up a new payment plan. I learned my lesson about using XXXXXXXX XXXX I am graduating soon, and I am in the process of starting an e-commerce marketplace app and will make sure not to use this service on my platform.

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 2023-10-23
Company: Westlake Services, LLC
State: AR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
American car center closed its doors like right after all the papers were signed for my buy out of the lease i was waiting on my title with them as lien holder for the amount of XXXX no finance charge that included the cost ofXXXX for tags and license which I never have received I did not know where to make payments until XX/XX/2023 at that time I requested my tags and they gave me the run around I call weekly trying to get someone to help I felt like that if I kept paying my payment Id never own the vehicle so I stopped making payments they now have repossessed my vehicle I was never late on my payment to American car center I paid them well overXXXX dollars and I have now lost that money because the didnt hold up to their own contract of providing me with a title so I could tag my car and drive it cause my tags went out in XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I did an XXXXXXXX XXXXXXXX transaction to pay for goods in the amount of {$84.00} on XXXX XX/XX/2023. I was surprisingly charged a XXXX XXXX fee of {$10.00}. I told agent payment was for goods and services and requested {$10.00} fee reversed. They declined to reverse the charge. I even paid off the XXXX transaction fee of XXXX right away as I seen the posting, and they declined to reverse the {$10.00} fee. For consumer protection, XXXX XXXX  charge should be prompted before consumers use that cards to make payment if they are not using their PIN to withdraw cash. Clearly, the money did not come to me, so why am I being charged a XXXX XXXX XXXXee?

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 2023-02-28
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023, I checked my credit report and noticed that my credit score went down. It was due to a hard inquiry from Comenity Bank/XXXX XXXX XX/XX/2023. However I did not apply for a card on that date. I also noticed Comenity Capital Bank, XXXX XXXX XXXX and Comentiy BankXXXX also had several soft inquiries into my credit on that same day. 

On XX/XX/XXXX, I called XXXX ( XXXX ). They said that no credit card was applied for in my name. So I believe this hard inquiry was done in error. 

I spoke with XXXX who said this hard inquiry would be removed from my credit report but wanted to file a complaint here as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to correct theses suspicious information. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX  XXXX ( XXXX Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$780.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00}

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 explanation
Consumer complaint received 2023-06-23
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 have been disputing this since 2021 under this complaint # XXXX only for it to continue on my report with no valid information in writing to advise it its accurate. On XX/XX/XXXX i contacted Experian to advise that a address is not valid and i have never lived at needs to be removed ( Fraud ). The address is XXXX XXXX XXXX XXXX which i never lived at. Experian said it can not be removed as XXXX XXXX XXXX is reporting that address, how is that i never lived there and i definitely have no account with them. Disputed initiated under # XXXX and came back accurate. I contacted the bureau again and asked what documents did they show to advise that that is indeed my address that they are attaching to that account. I was advised nothing it only came back as accurate, well that is fraud how can you keep a account attached to my name that Im telling you I never lived at and have no account relationship or done any type of business with this company. Im willing to take legal action as Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer rights to privacy to 15 us 1681 b 2 this company has no permission to report anything using my information pursuant to 15 us 1681 4. I hearby demand the deletion

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : Balance : {$15000.00}

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 2020-03-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
As we deal with this pandemic, and money is tight, I was attempting to use my card, Care Credit from Synchrony Bank, only to find out my account was closed. I have no outstanding balance and never missed a payment. They just randomly closed the account on XX/XX/2020. My concern is that this was a calculated plan to ensure people do not use their card during this crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: AUTOMOTIVE CREDIT CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is 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 2023-05-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Chase Bank has charged me a Monthly Service Fee of {$15.00} on XX/XX/XXXX and I called Customer Service to request a courtesy refund to which they denied. The representative went over the ways of how to avoid the fee in the future but unfortunately I have not been in a position to maintain {$2000.00} daily in my account nor do I qualify for the ink credit card so I have had to suffer being hit every month with this fee and yes I have asked for a refund over the past months and they have accommodated my requests but this time they did not. The representative offered instead a partial refund of {$4.00} and I expressed my displeasure of the amount considering that I run XXXX XXXX XXXX XXXX per month thru my account. The rep remained firm on the {$4.00} credit so I denied her measly offer and hung up. Well she decided to be spiteful and take it upon herself and apply that {$4.00} credit anyway knowing that by doing so no other representative can now give me the full credit even if they wanted to because she Decisioned the offer as accepted in the system to which I did NOT accept. Her actions is what what caused me to file this complaint as well as I am penny pinching right now and need all of my EARNED funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2023, I initiated a balance transfer as part of a no fee, 0 % apr promo from my XXXX account to another account with a different financial institution. Unfortunately, XXXX made a critical error by inputting the wrong recipient account number during the transfer. I provided the correct recipient account number at the time of the request. 

As a result of XXXX 's error, the funds, totaling {$2900.00}, were deposited into the incorrect recipient account. I immediately contacted XXXX to report the mistake and provided them with the correct recipient account number. They assured me that they would open an investigation to resolve the issue promptly. 

Despite their assurance, it has been more than a month, and there has been no resolution to this matter. Meanwhile, XXXX continues to hold my XXXX XXXX, causing me financial hardship and inconvenience. I have reached out to BPPR multiple times seeking updates on the investigation, but I have received no concrete information about when this issue will be resolved and my funds returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Westlake Services, LLC
State: TX
Product: Credit reporting 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:
I recently reviewed my credit report and noticed a lot of inquires that werent done by me. Its a defamation of character under law 15 USC1681. I asked for the credit bureau to verify this information they stated they couldnt and I had to reach out to the companies. I reached out to the XXXX  XXXX they stated the same that they couldnt and for me to reach out to the credit bureau to get them removed. Still nothing has been done and this has went on for over a month.

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