BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have simply had it with Chase bank. I have called on several occasions to get overdraft fees removed from my account. They currently have a rule that if youre overdraft more than {$50.00}, fees will be posted AND the amount of fees are endless. So for each transaction that overdraws the account any further there will be a fee for each one. There was a point and time this year alone that Chase bank charged me well over XXXX overdraft fees. They also do not allow the fees to be removed if they have already done so once within a 180 day period. I am simply tired of having to battle with them over these fees. I have been out of work since XXXX  of this year and I can not continue having these issues. I am overwhelmed by the amount of things that my card is connected to. Instead of declining the purchase, they allow the merchant to charge my card with no funds available so they can have the opportunity to charge these fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-19
Company: U.S. BANCORP
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called US bank to close my card in XXXX. I got a letter in the mail that my card wasn't closed and that the annual fee was past due. I called in and they refused to refund the annual fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid off XXXX loan balance of {$860.00} on XX/XX/2022. They received their funds and confirmed this by mailing a zero balance statement to me. However, they are refusing to update my credit report with this information. Instead they chose not to provide payment status since XXXX. I have reached out to them, they response was thar it will be done but it hasnt. I filed multiple disputes with all 3 credit bureaus, to my surprise Experian and XXXX XXXX claimed to have investigated, and came back to report that the account balance is correct, and that I still owe them. I even uploaded XXXX XX/XX/2022 statement showing 0 balance. I have also call them about their investigation results, and still got no where with this. 
XXXX is engaging in predatory lending practices. How are they allowed to take peoples money and then choose not to report accurate information? If I was owning them and not paying my bills, they would be swift to report and credit bureaus will be quick to update my report. This time is different, I paid them off and they are choosing to not provide accurate information. Arent they all violating FCRA? I can only imagine how many others that are going through the same thing. This needs to be fixed asap. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was denied credit for an XXXX XXXX  XXXX  and I believed this to be a matter of discrimination. I was told that I have to much available credit and not enough available credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid off XXXX loan balance of {$860.00} on XX/XX/2022. They received their funds and confirmed this by mailing a zero balance statement to me. However, they are refusing to update my credit report with this information. Instead they chose not to provide payment status since XXXX. I have reached out to them, they response was thar it will be done but it hasnt. I filed multiple disputes with all 3 credit bureaus, to my surprise XXXX and Trans Union claimed to have investigated, and came back to report that the account balance is correct, and that I still owe them. I even uploaded XXXX XX/XX/2022 statement showing XXXX balance. I have also call them about their investigation results, and still got no where with this. 
XXXX is engaging in predatory lending practices. How are they allowed to take peoples money and then choose not to report accurate information? If I was owning them and not paying my bills, they would be swift to report and credit bureaus will be quick to update my report. This time is different, I paid them off and they are choosing to not provide accurate information. Arent they all violating FCRA? I can only XXXX how many others that are going through the same thing. This needs to be fixed asap. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern, I am writing to you in connection with the corporate account XXXX associated with XXXX XXXX, for which I am listed as a contact or representative. I recently came to learn that there may be an understanding or implication that I am personally liable for this account. I would like to formally clarify the nature of my association with this account. 

I wish to state unequivocally that at no point in time have I personally guaranteed or agreed to be personally liable for any debts, obligations, or responsibilities associated with this corporate account. Any agreement or contract made with XXXX XXXX should be entirely under its corporate entity and should not extend to its individual officers, directors, or employees in their personal capacity, unless explicitly agreed upon. 

If there has been any oversight or misunderstanding in this matter, I kindly request that it be rectified immediately. I also request any documentation or evidence you might have that suggests personal liability on my part. If such documentation exists, please share it with me at the earliest so I can review and take necessary action. If no such documentation exists, please confirm in writing that there is no personal liability attached to me for the aforementioned account. 

I value the business relationship XXXX XXXX has with Toyota Financial Services and hope to resolve this matter promptly and amicably. Your understanding and cooperation in this matter are highly appreciated. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Paramount GR Holdings, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Origination fees were omitted from verbal discussion and I was charged {$12000.00} in just fees to finance a solar unit that was {$15000.00} for just the unit. In what world is it acceptable to charge points and fees in excess of 70 % of the financed property. 

I would also like to add that my credit is in excellent shape, making the fees more ludicrous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: ID Analytics, Inc.
State: OK
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: Received unwanted marketing or advertising

Complaint:
On XX/XX/XXXX and XXXX, 2020, I received 4 identical letters from SageStream dated XX/XX/XXXX where they stated that they " received ( my ) correspondence in which I request to opt-in to received  prescreened offers of credit and insurance. '' I never heard of them before, never contacted them to opt-in to anything, and certainly never opted-in to any offers as they describe. 

The letter goes on to state that I notified a consumer reporting agency that I believed I was a victim of identity theft. Several years ago I was notified that my information was in a security breach and I did place a credit freeze for a while, I have never notified anyone that I thought I was a victim of identity theft. 

I don't know what they are trying to do, but this feels like a scam. Therefore I am filing this complaint. 

I will be contacting them to opt-out of said program. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: SYNCHRONY FINANCIAL
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I had made a purchase with my synchrony XXXX credit card, and they closed my account after the purchase saying I was inactive for too long and dropped my credit score over 100 points. Synchrony doesnt care and says they can not restore the account and that I would have to open a new one. This is highly unfair and I feel powerless as a consumer. Ive worked so hard to maintain a great credit score and this happened. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal put my account on a permanent hold stating my activities were against their policy. They were not. I purchase items and receive a rebate for the item. Nothing illegal or unethical. Companies do this all the time to get their products known, promote customer loyalty, etc. I had no recourse and they said they would hold my {$180.00} for 180 days. After that time, I called them and they said they were keeping the money. Today I received an email stating someone added their phone # to the account. My ccard #, bank account, home address and SS # are all in the account. I called to get the account closed and they told me because it is on a permanent hold that is not possible. I spoke to a manager and was told no one is allowed to close the account for me. So, I can not remove the information, receive my funds back nor close the account. They told me the account can not be used but yet someone hacked into it. 
https : //www.paypal.com/us/webapps/mpp/ua/acceptableuse-full? msclkid=ec0639babd9711ec9f22e8adbfc6a33e

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-12
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2023-03-03
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX I was planning to buy a home, so I applied for a mortgage. My application was denied due to multiple derogatory accounts due to identity theft. I was completely unaware until I was notified by the mortgage company. 

After extensive research I determined that my credit was pulled XXXX times by the identity thieves between XX/XX/XXXX and XX/XX/XXXX. As of right now I know that several accounts were opened, XXXX cars were purchased, and an apartment was rented. The identity thief contacted XXXX of my existing creditors which I had open accounts with by phone and impersonating me, told them that I had moved to Florida. These creditors were XXXX XXXX, XXXX XXXX and XXXX XXXX. Each of these accounts had a XXXX balance. The identity thief then charged up each of these cards, having the merchandise delivered to the home in Florida. I have never lived in Florida. 

I have gone through the process of reporting the identity theft to each of the creditors, filed a report with the FTC, filed a local police report, completed an identity theft affidavit and contacted the credit bureaus to resolve this situation. This has been a year of fighting to get my good name back. I have been able to resolve and remove the majority of these accounts, but I have XXXX remaining collection accounts that I have been unable to have removed, which is the reason for my complaint. 

The first collection account is XXXX for the debt with XXXX XXXX. I had disputed directly with XXXX XXXX, communicated by phone and mail and they removed the debt from my credit report. I was quite surprised to then get a collection account from XXXX. The account was opened XX/XX/XXXX in the amount of {$12000.00}. I immediately contacted XXXX and was asked to send them a copy of my identity theft package, which I did. This account has yet to be removed. I have sent in multiple requests for removal of this account and they have reported that it meets FCRA requirements, which clearly it does not. 

The second collection account that I have been unable to have removed is with XXXX for XXXX Apartments. This account is for an apartment that was rented in Florida with my identity. I have request removal for identity theft several times, and have had no success. With this account, it may not even be in my name, because my name is XXXX XXXX, and the identity thief opened multiple accounts under the name XXXX XXXX. The alternate name, Florida addresses, and different employers have all shown up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Penn Credit Corporation
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Penn Credit Corporation sent me a letter dated XX/XX/2022 which I received in my mailbox days later in mailbox regarding a debt and I mailed a dispute letter requested dispute of debt on XX/XX/2022 and requested a validation of the debt which I kept copies. In their letter on XX/XX/2022 they said I could dispute by XX/XX/2022. If you do not dispute we assume the debt is correct. I wrote in letter if they did not send me a validation letter according to the Fair Debt Act it should be removed from credit report. I also mailed a certified letter and received a green return signature card after they received it. They had 30 days to send me letter of validation of information requested and did not receive anything with that 30 days. Then they sent another letter on XX/XX/2022 ignoring my letter of validation asking me to pay the debt. Failure to do so they stated in letter will lead us that I had no intention to pay the debt. They still did not send a validation letter at all. You are not supposed to send letters about payment until a dispute is done. Today, XX/XX/2022 in my informed delivery of USPS mail which I have copies they sent me a letter saying they verified debt with me which they did not and never sent me info. Just received a letter today on XX/XX/2022 and letter was stamped and mailed on XX/XX/2022 from Postal Service. Stated they verified information with me on XX/XX/2022. By law I had a right to validation and they must send a validation letter thats requested within 30 days after dispute. This is a lie. They never did within that time. I have copies of everything. I want this debt collector information and debt removed from all my credit reports. They are not going by the law of Fair Debt to consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Experian Information Solutions Inc.
State: WY
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Dear Representative, I joined Experian to monitor my cred it scores. But it seems they only want to keep billing me more : first {$1.00} free trail then {$4.00} to see more info. then they wished to bill me {$29.00}. I need for them to cancel my subscription immediately! Please credit my credit card for these charges. I was led to think {$1.00} was good for 30 days.

This seems to be some kind of misinformation concerning the free trial to monitor you three scores for all three credit bureaus. Not honest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Good morning, Around XXXX & XXXX I went through some health issues & spent most of my time going to the doctor because they were not able to figure out what was wrong with me. 
I had to go specialists from XXXX XXXX XXXX XXXX XXXX XXXX, countless of blood work & so on. 
As you can imagine it was the hardest moment of my life & was not able to pay in time to my credit cards. 
Credit cards providers were called & explained the situation but no one was willing to work with me unfortunately. 
after many calls & good faith letters they were not able to remove those late payments. 
Time passed & was able to get back on my feet, all credit cards were paid off & balances were taken down. 

It has been 3 4 years since my fallout & no payment has been missed, everything was working wonderfully until we tried to purchase our first home. Hurts my heart that after all I went through to pay each and every creditor those late payments are still hurting my credit & not letting me & my family move forward. 
if my case was were I did not pay them I would take full ownership of my actions & in this case it does not apply to me. 

It would be life changing literally if you could help me take the next step forward. Please consider my words, actions & help me to the best of your abilities. 


Following accounts have reported late payment in the past. 

XXXX XXXX XX/XX/XXXX - 30 days Past due payment XXXX  XX/XX/XXXX - 60 days Past due payments XXXX XXXX XXXX  - XXXX XXXX 30 days Past due XXXX XXXX 60 days Past due XXXX XXXX 60 days Past due XXXX XXXX 60 days past due payments American Express XXXX XXXX- 30 days past due XX/XX/XXXX - 30 days past due XX/XX/XXXX - 30 days past due XX/XX/XXXX - 60 days past due XX/XX/XXXX - 30 days past due XX/XX/XXXX - 60 days past due payments XXXX XXXX I lost my job right after I purchased the car & had to work my way around to prioritize my bills. car is now paid in full. 

XX/XX/XXXX - 30 days past due XXXX & XX/XX/XXXX - 30 days past due payment. 

Thank you so much & have a blessed day!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didnt get a response in 30 days and yall are required by law to do so.Please investigate my disputes, Please.Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26
Company: Experian Information Solutions Inc.
State: OH
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 was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that I do not recognize. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 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 XXXXXXXX XXXX XXXX demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

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