BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-18
Company: JPMORGAN CHASE & CO.
State: HI
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:
I have tried countless times to get a solution and they require you to have a certain income in order to give you one!! i dont have any money! I dont have a phone! How the XXXX am I supposed to talk to a representative and NONE of their contact forms work for people in my situation. They have absolutely no customer service available to disadvantaged customers! They say talk to their XXXX? They tell me nothing! They say call in! i explain I have no phone. They say nothing back! Secure message center?? Whenever you select the right options, it says call this number! There is no actual support!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 I purchased an XXXX XXXX 2 business class ticket for {$5200.00} charging my Chase XXXX XXXX  credit card. Within few minutes I got an email asking me to confirm that this is not a fraud and I indeed made the purchase. I confirmed the purchase to Chase. On XX/XX/2019 I went to XXXX web to make seat selection. I was surprised to find that the reservation was no longer valid. I purchased new tickets using the same card but the same 2 business class tickets were more expensive and cost {$7300.00}. This time the purchase was completed and I did not get any email to confirm that this was not a fraud. Today I called Chase XXXX  and complained. I was transferred among several customer service and ended up with fraud protection who confirmed that they got my initial approval but declined payment with no explanation. ( Credit line was available and only 10 % of available line was charged with {$0.00} balance for previous month due ). As a result of the Chase XXXX XXXX mistake, I am paying additional {$2000.00}. I asked for refund and was put on hold ( with music ) with no one picking up the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: Experian Information Solutions Inc.
State: FL
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 been dealing with ID theft for over 5 years with your company I am constantly receiving letters back for disputes stating that, I need to contact the creditor to have this information disputed or the creditor may not know how to contact me for the ID theft, I have contacted each company and they advise to contact me to contact the credit reporting agency to file a dispute. I have field complaint earlier and response was for me to submit a dispute and yet again I did that and received the same exact information I have got for the last year, this is at a point where I am going to file a civil lawsuit against your company, if I can not have corrected. I have provided police reports number or times ID theft information number of time and will provide again today. 

If this can not be corrected I will file suit. this is countless hours or working with your company and getting no where. I have worked with XXXX  and XXXX  and it took me less than 120 to get everything fixed and correct. I call your company and can not reach a live agent to help 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 2022-08-24
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Comenity Bank has been calling us multiple times a day looking for XXXX. There is no XXXX  here which we have communicated to them. They continue to call us from XXXX XXXX and XXXX. I have blocked other numbers which I do not know how to access. My husband has repeatedly told the gentleman at the XXXX that he had the wrong number. 
Calls on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These calls are from just the 3 numbers listed above. I have not included the blocked numbers as in all fairness, not all my blocked calls were from Comenity Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated for account : XXXX XXXX  But how is this possible if the following information has come back inaccurate : ACCOUNT NUMBER, Date Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, Account Rating, Creditor Type, Payment Status and monthly reporting. I have attached evidence showing these fields are all inaccurate and subject to CFPB fines if not deleted immediately. This is ground for immediate removal. Also, they also violated my rights under 15 USC 1681 Section 602A which says I have the right to privacy and 1681 Section 602A Section 2 says credit bureaus can not furnish my information without written approval, which they were unable to provide

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 2018-05-08
Company: CHS, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX has reported open accounts in collections on my credit report that should have not been. All bills from XXXX where on hold by my attorney pending a lawsuit and all have been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: FL
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:
sent a letter out on to Experian, XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 



According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-09-17
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I sent out a 609 letter to all three bureaus addressing accounts that I saw a sufficient amount of errors asking them to validate and correct all errors. On XX/XX/2022, I sent out three demand to comply letters, asking them to comply with their rules, seeing that I had not heard back from non of the bureaus. It is now XX/XX/2022, I'm yet to hear back with any results. I have exhausted all my options and according to what I read on the laws pertaining to this situation, lodging a complaint with your department seems like my only option if I decide I want to go to court.

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 2020-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Although, Capital One has been contacted in an attempt to get them to update their files with accurate information, Capital One is still reporting an incorrect late Payment for XX/XX/2014. According to Capital One, they can't see this information in their system, and would make an attempt to correct this issue. It has been over 2 months, and still no action has been taken to correct this problem. 

I have filed several disputes with XXXX, but at this point XXXX is not willing to submit any more disputes for this specific account, as all three disputes already filed, come back with no updated information. 

Furthermore, regardless of the number of phone calls made, there is no resolution, and I have been placed on hold by Capital One Staff, to then find out the call has been dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: CITIBANK, N.A.
State: FL
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:
I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt 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 2022-09-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am upset that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-07-25
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX, and I am submitting this complaint on my behalf. I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these accounts violate the FCRA and FDCPA these accounts must be deleted immediately.

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: CITIZENS FINANCIAL GROUP, INC.
State: AL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I initiated a personal line of credit with Citizens One and their partnership with the XXXX XXXX XXXX program and was approved on XXXX 

I immediately setup my account and registered auto-pay using my existing credit union checking account. 

On XXXX I received a late payment notice via text, and immediately called their customer support. I was directed to the website for payment inquiries ; when I logged in I noted that the auto-pay date had been set to XXXXXXXX  ( documented ). As this was not an option for me, it was apparent this was a technical issue on the lender 's end. I attempted to make a manual payment bringing my account current and received an error message ( documented ). 

On XX/XX/ I called back to their customer support line and received assurances that the issue was on their end and this would not impact my credit. The representative manually corrected the auto-pay draft date and initiated a manual payment for the outstanding balance. I immediately received an email thanking me for my payment ( documented ). 

On XX/XX/ I received a XXXX credit report notice including negative feedback from Citizen 's One ( documented ). I immediately initiated a dispute as Citizens had made it clear this was an issue on their end. 

On XXXX  I received a response to my dispute, which included that the lender found the feedback as correct and in fact was still delinquent despite the recent payment confirmation. My credit report even showed recent payments of {$0.00} ( documented ). 

On XX/XX/XXXX  I logged into the Citizen 's One website to find my auto-pay draft date had yet again been set to XXXX and I was unable to make manual payments ( documented ). 

On XX/XX/XXXX  I sent a certified letter to Citizen 's One with the above timeline and documented examples of their failure to provide adequate payment systems, and my willingness and desire to keep the account current. They responded that they found the negative credit feedback to be correct, and included the terms and conditions of the loan. 

I stand by the fact that Citizens One internal systems failures ( as acknowledged on their own recorded lines ) made it impossible to maintain a current payment status using the approved methods they advertised. Their misleading payment confirmation emails and inability to take payment continue to impact my credit history two years later, well after the loan has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ARS ACCOUNT RESOLUTION posted a random medical bill on my credit report but I dont know this company or what they are trying to collect. Addittionally I have never done business with this company I mailed them a certified letter requesting all information about the debt. The letter i sent stated I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in an attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. I have yet to receive a response from the company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Snap Recovery, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection agency attempted to reach me last week, they called my spouse and discussed the debt they are trying to claim with her. They said I owed their client money and I don't know why they would say that as I didn't have a contract with them, my business did but that contract was completed. I called them and asked them why they had been trying to contact us and they said to either come up with a solution today or they would negatively affect my credit and sue me personally not the business. When I asked why they would be going after me personally they said its because their client wants to go after me and not the business. They threatened me with legal action before and after I asked for everything in writing saying they had sent me an email I did not receive. They have already violated the Fair Debt Collection Practices Act by threatening me and contacting others about the debt they claim I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I am using XXXX as a bridge to protect my financial information leaked online through transactions. I have an account with PNC and they block my ability to connect to my XXXX account, which other users are able to do so without issue. I tried to talk to them, they asked me to talk to XXXX but they are the one who block the connection which is supposed to be legally allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am filing this complaint because I previously disputed this account and gotten a response telling me to contact the original creditor. The bureau only collects and reports information furnished by the creditor. On XX/XX/2021 I filed a complaint with the CFPB, Complaint # XXXX and Experian failed to initiate an investigation. I have received a response from Experian regarding my complaint saying that they were unable to identify me but that is not true. I also submitted the same complaint with the CFPB on XX/XX/2021 to XXXX  and XXXX  and they did not refuse to initiate an investigation. All bureaus were provided the same information. I am having an issue with this bureau investigating an account that is incomplete and inaccurate. The creditor has not validated the debt with competent evidence bearing my signature that I have or had an contractual agreement. The bureau still verified the debt. Since XX/XX/2021 when I filed my complaint Experian has updated the account with new information and re-aged the account. Also they have added more late payments after the account has been closed. But they shared with me and the CFPB per my previous complaint that they werent able to identify me and closed the complaint so therefore how did they initiate a investigation without my knowledge. They also updated the account after me filing my previous complaint. They have violated my consumer rights under the FCRA laws. There is different information being reported to all bureaus about the same account. I have brought the to all bureaus attention.

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 2023-05-26
Company: Chime Financial Inc
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an email from Chime saying my account is now open and active under my name, billing address and email. They also sent a XXXX Credit Card to my home address. This was all alarming because I DO NOT have an account with Chime. I called them immediately to ask if they had my social security number linked to the account that someone else had opened and they told me they could not provide me with that information and they would just close the account and that I should just shred the credit card and " move on ''. When I asked to speak to their manager or someone that could help me further and provide me with an answer as to whether they had my stolen SSN # they simply replied " I can transfer you but they won't be able to help you either ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had just started my XXXX  year of college and my new friends and I wanted to see a XXXX XXXX concert. Tickets were sold out on XXXX and a friend had told me that she had had really good experiences buying tickets on XXXX. I messaged a few people and one got back to me. I purchased four tickets for {$160.00}, with PayPal fees it amounted to {$160.00} on XX/XX/2019 to XXXX. Shortly after I sent the money, the person selling me the tickets deleted their XXXX account and I was no longer able to message them. I filed a complaint with PayPal outlining the exact altercations and reasons why I would need my money back, but they refused. They claimed that my story was not believable. The tickets that I received were counterfeit.

Company response to consumer: Closed with monetary relief