BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase Bank has released a new 124 page Digital Services Agreement. On XXXX, while trying to access my current credit card balance on Chase 's website, Chase notified me of the new agreement and also notified me that I am required to read and agree with said agreement before I can access any details about my account on their website, including my financial statements of credit card balance which are only available on their website. I contend that review of a document of this type and size should reasonably take 30 days, and should include opportunities for questions and requested revisions. On XXXX I requested on 3 separate occasions access to my account details without accepting or denying said agreement, but Chase unilaterally denied access to my account details. I also submitted feedback on XXXX to Chase via their " Contact Us '' system but did not receive any acknowledgement of my concern or any indication that they would address my concern within a reasonable time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USC 's 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022, I pulled my consumer reports and found that Equifax is not following ALL the proper procedures to make sure that the information contained within my report is 100 % accurate. They are required by the FCRA to provide me as a consumer with the " creditor 's '' FULL information so that I may reach out to them shall I need to file a dispute. Well, upon checking... there is an account negatively reporting on my Equifax report that I have never heard of and Equifax does not even have this company 's information on the report for me to reach out to them. This is a VIOLATION. The company name is listed under XXXX.XXXX  account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Resurgent Capital Services L.P.
State: GA
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 XXXXXXXX XXXX XXXX  XXXX, Ga XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Resurgent/LVNV Funding XXXX XXXX XXXX ) has violated several of my rights.

15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: DISCOVER BANK
State: MS
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:
XX/XX/XXXX made an online payment of {$90.00} for a payment plan to Discover card- the payment cleared to be paid to Discover card. XX/XX/XXXX discover drafted another {$90.00} that didnt clear causing an insufficient funds fee of {$26.00}. I contacted them about the issue on that day & soon after another attempt was made to get the {$90.00} & my account accrued a 2nd insufficient funds fee of {$26.00}. I contacted them and asked to refund the {$52.00}. After phone tagging for several days my request was denied to have {$52.00} refunded to my account even though I made the payment on time & the money was in the account. I had asked to provide proof of my the transactions but was declined to do so. In the 1st attachments I took a screenshot of my payment to discover & the 2nd and final screenshots are of my bank account. It shows the 1st {$90.00} I paid on the XXXX cleared fine & my remaining balance was {$66.00} & change until 2 more attempts to get money were made by discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Went to open new phone service with XXXX I had my own XXXX XXXX  they broke my phone they gave me new phone they said my bill would be {$60.00} when I got first bill it was over {$160.00} I didn't renew they kept changing me each month I didnt have service

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Someone gave me some court papers that I never seen until after the date I was not served and this debt does not belong to me and I fear they will try to have a judgment against me.

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 2019-03-28
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I called and authorized my retirement account holder, TIAA, to transfer {$7000.00} from my bank 's checking account into my IRA. Instead, they transferred {$14000.00}, which is not allowed. They have screwed up and want to send me a check in the mail for the amount, but can't tell me how long it will take. This is unacceptable. Why would they take twice the amount I asked that is obviously over the allowed amount? Something is very wrong with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: JPMORGAN CHASE & CO.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
These accounts are an result of fraud JPMCB {$1300.00} XXXX JPMCB {$7800.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The credit reporting agencies are reporting an account that is not mine. I sent letters to the collection agency asking them to verify that this account is mine in which they have failed to do so. As stated in the letter sent to the collection agency XXXX  XXXX XXXX, the original creditor hasn't even confirmed this debt so why is this reporting on my credit report? The original creditor XXXX XXXX wrote off an account, but it was not for this amount and I am tired of this incorrect reporting. This is a violation of the FCRA and FDCPA. I am demanding that this account is removed immediately. Attached is the dispute letter that was sent to XXXX which is dated, and time stamped. Please remove the 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 non-monetary relief
Consumer complaint received 2022-01-20
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I signed up for a Citibank Priority Checking acct on their website on XX/XX/XXXX. 

https : //online.citi.com/US/ag/banking/special-offers I deposited $ XXXX as instructed on XX/XX/XXXX to receive a {$700.00} bonus after 60 days. I followed up after 60 days, and I was told by customer service via chat that I did everything correctly and that after the 60 days, I would have to wait another 90 days until XX/XX/XXXX to receive the bonus. 

That date came and went and I received nothing. At that point, I contacted customer service again, and they said that there was no promotion code associated with my acct when I opened it. I never received one when opening, but I used a link to a promotion on their own website that is still active and followed all of their instructions. 

I also see other users on the XXXX  website having the same issue being denied the bonus during the past year or two. I tried to open an appeal case with citi through case ID XXXX and the banker who helped me open it tried to list a promo code that he found. He thought that would increase the chances of my appeal being approved. It was denied. I called citi again to follow up on the appeal but I was getting nowhere and they do not provide any reasons that make any sense. Now they do not respond to any of my requests for an update. I still have my {$50000.00} tied up in their account waiting for my bonus.

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 2023-05-30
Company: Experian Information Solutions Inc.
State: AR
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 trying to buy a home. In XXXX I paid off any delinquent accounts I had after unfreezing my credit reports. My accounts where frozen because I received a injury and was waiting for my XXXX. Since then They have told me I needed to get some credit cards, Which I pay off every month. I have taken out three credit cards. Experian, XXXX, and XXXX are all reporting delinquent accounts and I have none, which they say impacts my score. First I didn't have enough debt, then I had to much debt and since I paid everything in XX/XX/2023 they continuously taken my scores down, Experian was XXXX, XXXX XXXX, and XXXX XXXX in XXXX, Now I am showing in the high XXXX on all three and one of the reasons they are giving me is no mortgage. IF they are continuously decreasing my score with stating I have delinquent accounts which I do not, and they are keeping my scores so low, I cant get a mortgage. This is not right. I never would have opened any credit card accounts except they told me I needed to. And I pay them off every month, so how as a consumer is this right?

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 2022-05-17
Company: ERC
State: NY
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  account # XXXX, ( ENHANCED RECOVERY CO L ) has violated my rights. 

15 U.S. Constitution 1681 section 602 A states I have the right to privacy.

15 U.S .Constitution 1681 section 604 A section 2. its stating that the consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.

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 2023-05-09
Company: AAA Auto Title Loans, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
This is a predatory loan with an outrageous interest rate. Almost my entire payment goes to the interest and when you are about to pay off the loan they prey on you to get more cash and refinance the loan. They send you multiple emails and texts telling you you have available funds. They know people who are struggling will take the bait. I would like a copy of every single payment along with the contracts. I intend on starting a class action lawsuit against this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 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 non-monetary relief
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: PA
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:
My social security number was used with out my permissible purpose.

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 2022-05-17
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:
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 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.

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 2022-07-07
Company: Credit Control, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter on XX/XX/2022 FROM A COMPANY NAME Credit Control LLC attempting to collect a debt that I do not owe... This is the second time they have attempted this collection. I responded to them on XX/XX/2022 sending them a copy of a XXXX Police Department Police Report that I filed, along with a police case number and the case number card, also I sent them a copy of a FEDERAL TRADE COMMISION IDENTITY THIEF REPORT. I then included a debt validation letter requesting full validation pursuant to Federal Law 12 CFR 1006.34 a debt collector is required to provide a consumer who owes or allegedly owes a debt five categories of validation information : 1. Debt collector communication disclosure 12CFR S 1006.34 ( C ) ( 1 ) 2.Debt related information ( 12 CFR S 1006.34 ( 2 ) ( i ) ( v ) : 34 ( c ) ( 2 ) ( ix ) 3.Itemzation Related information ( 12 Cfr s 1006.34 ( 2 ) ( vi ) ( viii ) 4. Consumer Response information ( 12 CFR S 1006.34 ( C ) ( 4 ). 
Please be advise they have 30 days to give me full disclosure of all these documents. I am enclosing a copy of the debt collection rule section 12.1 and 12.1.1 Furthermore this alleged debt that they are trying to collect is passed the Florida statue of limitation and is and uncollectable debt per Florida LAW.

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 2023-10-17
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX By using unfair trade practices XXXX XXXX XXXX car dealer sold my wife and I a lemon car which was unsafe to drive. Which almost led to the car accident my due to a complete transmission failure only 3 days after purchase. Secure one warranty company, whos contract car dealer forced me to purchased stating that its included with a car loan additionally for XXXX $ lied to my me and my wife over the phone by misleading and misrepresenting the contract formulation. Which had wasted us 2 whole weeks that car spent in a workshop recommended by the warranty company only to find out that XXXX XXXX is refusing to pay or fix anything. Car dealers website also were advertising that cars come with their 90 days warranty, which also was a complete lie. Car Dealer retrieved the vehicle from XXXX car shop at the end of XXXX telling us that they will do all repairs themselves and we didnt hear from them since. 

Westlake Financial and XXXX  XXXX warranty company and the car dealer put my family into financial burden and crisis. Im paying car loan, car insurance, XXXX rides to and from work. 
My transportation expenses exceed XXXX $ a month, my credit rating is dropping lower and lower, this is the worst car buying experience in my life. I still dont posses the car I purchased 4 moths ago. My wife and I barely was able to cover the rent last month and almost got evicted. Which would put us on the street with no car or any help. Our life turned to a XXXX XXXXXXXX. We were more than patient and understanding, my wifes health is declining now after all of these stress and shock, medical bills are adding up more and more. 
2 weeks ago I received a notice via mail from Westlake Financial ( dated 2 days after car sale ) that Warranty contract and GAP insurance were added to the car loan amount financed but were not included in the contract item list. In addition, car dealer made us sign separate agreement for a differed down payment with completely different company name, telling finance company that they received XXXX $ from us as down payment, no such agreement were included in the contract as well. 
Westlake Finance has no interest of helping me with the crisis they put me through, they only expect on time payments. Car dealer didnt contact me back for almost 2 months now, attempts to reach out to the dealer were unsuccessful.

I have a strong feeling that Im being scammed by the car dealer, finance and warranty companies using unfair trading practices, predatory landing and financial schemes. I ask for your help and guidance to restore my rights and protect my family and my familys credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/2020 Checksmart Store # XXXX. {$3000.00} Installment loan approved by corporate. XX/XX/2020 had visited the store, the representative kept saying you will be denied for a larger loan but will qualify for {$1000.00}. When entering XX/XX/2020 another representative had received approval larger amount I was in shock, yet delighted. I had chose to go with an installment loan under impression I no longer had obligations on my vehicle a closer look at this paperwork revealed it is a much larger registration loan and states I could be charged criminally for non payment. I have made one payment already, I tried to inquire at the store for options on how to lower my monthly payment was advised to call corporate talk to the title loan department and advise them it is an installment loan. I already have a loan with XXXX XXXX on this car about $ XXXX outstanding, don't see how putting an interest of security on this car is of any help to Checksmart, I was advised was good customer why would I be put in a position to become bad one?

Company response to consumer: Closed with explanation