BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
EVERY TIME I TRY TO USE MY DEBIT CARD AS CREDIT AT ANY XXXX STORE CHASE CONSTANTLY STOPS ME AND WHEN I ASK FOR AN EXPLANATION IT IS A DIFFERENT EXCUSE EVERY TIME ALONG WITH THE EXCUSE THAT THEY COULD NOT READ THE CHIP ON MY CARD OF WHICH IS A BUNCH OF LIES. ON XX/XX/2020 I TRIED TO CHARGE {$400.00} AT XXXX IN XXXX NY BUT I WAS DENIED 2 TIMES. I THEN PAID MY PURCHASE WITH A CHECK. LATER ON I WENT INTO THE BRANCH ON XXXX XXXX XXXX S/W WITH XXXX WHO CALLED I GUESS THE BACK OFFICE WHO INFORMED HIM THAT I GOT DENIED BEING I HAD NOT USED MY CARD AT THE XXXX STORE FOR SEVERAL MONTHS OF WHICH AGAIN JUST DIDN ; T SHOCK ME BEING I HAVE BEEN GIVEN THIS SAME EXCUSE BEFORE. I REC 'D A CALL FROM CHASE LAST MONTH FROM RECORDED LINE OF WHICH I REFUSED TO ACCEPT UNLESS THE CALL CAME FROM AN UNRECORDED LINE OF WHICH NEVER TOOK PLACE EVEN THOUGH I WAS PROMISED I WOULD. I THEN REC 'D VOICE MAIL MESSAGE FROM XXXX WHOM I CALLED LEFT MESSAGE ON HIS VOICE MAIL TELLING NOT TO CALL ME FROM ARECORDED LINE. HE CALLED ME BACK FROM A RECORDED LINE FOR WHICH I REFUSED TO ACCEPT AND HIS STUPID ANSWER WAS TO GO INTO A BRANCH. I INFORMED HIM WHEN THIS MEDICAL EMERGENCY IS OVER I WOULD TAKE LEGAL ACTIONA GAINST THE BANK AND WITH THAT I HUNG UP THE PHONE REALLY ANGRY. TODAY I REC 'D A LETTER FROM THE BANK IN WHICH I WAS GIVEN THE EXCUSE THAT THEY DECLINED MY PURCHASE AT XXXX BECAUSE THEY COULD NOT VERIFY THE CHIP ON THE CARD. FURTHER ANYTIME SOMETHING GOES WRONG CHASE TEXTS ME AND I HAVE INFORMED THEM MANY TIMES I DONT WANT TO RECEIVE TEXT MESSAGES AND THEY REFUSE TO STOP SENDING ME TEXT MESSAGES. I AM UP FED. LASTLY TWO DAYS AGO I CHARGED {$840.00} VIA ONLINE PURCHASE AND AGIN CHASE STOPPED MY PURCHASE SENT ME A FRAUD EMAIL OF WHICH I CONFIRMED. WHAT IS THEIR EXCUSE FOR STOPPING THIS CHARGE? I AM FED UP WITH CHASE CONSTANTLY BLOCKING MY PURCHASES WITH XXXX  AND ANYTIME I USE MY CARD. ENOUGH IS ENOUGH.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXXBalance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10
Company: Reliant Capital Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX at XXXX my daughter and I were contacted by XXXX XXXX XXXX Reliant Capital Solutions in Ohio . XXXX XXXX claimed that we owed ad debt in the amount of {$1100.00} to XXXX State University. I asked XXXX XXXX when did his office communicate with us about this money being owed. He claimed that his office sent us a notice of validation of debt on XX/XX/XXXX. XXXX. I confirmed we did not receive it. He told me we had to make payment in full by the end of business day XX/XX/XXXX. If we didn't my daughter would be reported to the credit bureaus. I told him i would like to dispute it and XXXX XXXX told me the dispute time is over. I would not be entitled to dispute the charges., I was furious. I told him I would call him back. Later that afternoon I contacted XXXX and spoke to a Financial Aid Rep. i was informed that the account was sent to collections on XX/XX/XXXX Not on XX/XX/XXXX as XXXX XXXX had claimed. they also researched the account further and said it could be a mistake. This debt was paid in XX/XX/XXXX. The reason for the additional increase is the cost of collections. 
I contacted Reliant again that afternoon and spoke to a supervisor. The supervisor confirmed the date of XX/XX/XXXX and confirmed that he would be speaking to XXXX XXXX about the misrepresentation of the debt. He also confirmed a debt validation letter would be sent out later in the week. As of today we have not received it. As a result of my conversation with XXXX XXXX I was so flustered and angry that I was not able to return to work that afternoon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: GOLDMAN SACHS BANK USA
State: MI
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:
I ordered with my Goldman Sachs GM credit card XXXX pair of shoes. Around XX/XX/XXXX the purchase price is XXXX the date it shipped was XX/XX/XXXX. The company name is XXXX. I received an email stating that my items had been delivered however when I got home from work there was nothing on my porch. I contacted the merchant to ask them what's the problem they told me that it has been delivered. I then filed a dispute with Goldman XXXX GM for the disputed amount above. They keep denying my claim because they're stating that the shipper delivered the item. So they're making me pay for items that was stolen off of my porch before I can retrieve them. I've been disputing this since then

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: EQUIFAX, 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:
Hi, I am contacting the CFPB and credit bureaus to update my personal information and remove any names, addresses, and phone numbers I am not associated with. 
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to dispute the improper use of my credit report. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated. 

Section 607 ( a ) of the FCRA states that " whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' I have reason to believe that the information contained in my credit report is inaccurate, and I request that it be investigated and corrected immediately. 

Furthermore, Section 611 of the FCRA requires that " any person who knowingly and wilfully obtains a consumer report under false pretenses shall be fined under title XXXX, United States XXXX, XXXX for not more than XXXX  years, or both. '' I believe that my credit report was obtained without my consent or authorization, and I request that the individual or entity responsible be held accountable for their actions. Additionally, I had identity theft due to Equifax XXXX XXXX I request that you take immediate action to investigate this matter and provide me with a copy of my credit report as soon as possible. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: HYUNDAI CAPITAL AMERICA
State: AE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
we have a bad experience with Hyundai Motor Finance for the past XXXX  months since weve been trying sell both of our vehicles. Every time we call. They havent update our address for the past XXXX  years, even tho my husband calls them every month to make a car payment ( since thats the only way to do because we are overseas ) and he gives them a new address. We call them every XXXX days for the past XXXX weeks and every time we get information to request a copy of the title was put in the system and we will receive it in XXXX to 5 days, but never receive it The same is about when we ask to get a permission to sell letter. Now we called and suddenly they dont even know that our car is overseas and tell us that we havent payed since XXXX, which is not true. 
Every time they push us away, give us wrong information etc.. 
We are overseas because my husband is in military. We are trying to sell both of our cars ( XXXX to dealerships and XXXX to a person who has money ready to transfer to pay off car ), but in XXXX to do so, we need a copy of the title. The Hyundai finance company doesnt want give it to us since we havent payed the car off, but we dont want original, we just need a copy of it, but the thing is we just got the title of the car that we are selling to the dealership without them paying it off yet, but we are not able to get XXXX for the XXXX  car. 
This is very stressful situation and they are useless and we are about to loose potential buyer and we wont be able to keep paying car off.

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 2021-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Complaint Description : Refund of extra {$1500.00} deducted from my account and sent to *********Claim number # XXXX I had purchased an item from Mr XXXX and paid via XXXX XXXX the XXXX of XX/XX/XXXX The initial XXXX transfer did not pull through, evidenced by no deductions from my account and non payment to Mr XXXX XXXX account. I called BoA at XXXX XX/XX/XXXX but received no response. I had to repeat the transaction, and this time I received text message confirmation request which I confirmed. The transfer went through this time. The next day XX/XX/XXXX, I rechecked my account and noticed that Mr. XXXX had been paid twice adding up to {$3000.00} instead of the one confirmed {$1500.00}. I called BoA thrice on XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX  and again received no response. The next day I called and was given a claim number, that would be settled within 10 days. I alerted offerup the buying platform myself and Mr. XXXX used. I also contacted Mr. XXXX via the platform. BoA could have halted the transaction, but did not. After 10 days, I called again and this time I was told the bank bears no responsibilities whatsoever and they can only reach out to the other bank and wait for a response for the next 90 days. This response does not promise a refund. I explained to them that if the XXXX platform on BoA website was working perfectly, and if they had responded to their calls, this would not have happened and as such the bank does bear responsibility for the inefficiency of this transaction. Situations like this are not uncommon with BoA Mr XXXX has since closed his page on offer up, his phone number XXXX has since been unreachable. 

As proof that transactions like this occur regularly with BoA, I had another one today. Tried over 10 times and called them twice today alone, spending days on a transaction that should have been less than 5 minutes. 


I reached out to the XXXX and was referred here

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone committed fraud by applying for a credit card and having my information as a co-signer under my name. I have not applied for any credit card with Capital One. 
Account Number XXXX XXXX  Account Status PAYS_AS_AGREED Owner Account Type XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name Months Reviewed XXXX XXXX XXXX  Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$1800.00} XXXX XXXX {$3100.00} High Credit {$2300.00} Available Credit {$1200.00} Account Dates Date Opened XXXX XXXX, XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: VA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$10.00}, XXXX XXXXXXXX Balance : {$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 2022-04-04
Company: Stern Recovery Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My credit agency XXXX reported that my credit score was dropping due to a past due amount that was reported to Stern Recovery Service on XXXX XXXX XXXX XXXX 's behalf. I then contacted XXXX XXXX XXXX XXXX XXXX XXXX where XXXX confirmed the bills were for a {$290.00} blood work performed with my annual physical ( covered by my XXXX  ) and another lab that was not performed so there should be no interpretation of it. XXXX referred me to XXXX XXXX billing where I spoke to XXXX who transferred me to interpretation billing, I was disconnected so I called back and spoke with XXXX again and XXXX who suggested to check XXXX to address billing concerns : my concern being reported to a credit bureau for a bill that should not exist, and I never received. Multiple times I have requested a statement from Stern Recovery Services and XXXX XXXX XXXX XXXX showing where this balance is coming from and have not received any response. Most recently I sent a certified letter to Stern Recovery Services requesting a Debt Validation letter. This was mailed on XX/XX/2022 USPS tracking shows the request was received on XX/XX/2022 at XXXX and was accepted by an individual at the office. I have still not received a response as of XX/XX/2022. 
TO RESOLVE THIS : I AM REQUESTING A LETTER TO SEND TO MY CREDIT BUREAU AND FOR STERN RECOVERY TO CONTACT THE COLLECTIONS AGENCIES THAT I HAVE BEEN FALSELY REPORTED TO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/2023, I wanted to get rates for Citizens Access CD. Since I was already in my account online, I entered 2 year cd and it asked for the amount I wanted to put in, which I did. When I pressed next, I was locked into that CD rate. I have never had that before. When I am going to lock in, it asked me if I want to lock in. No rate was quoted, just locked in and my money taken out of my savings account right away. 

I called the next day and spoke to a supervisor, XXXX, at the call center. She denied my request to cancel without a penalty. 
I then submitted a claim to the Office of the Controller and spoke to : XXXX. She called back and told me my request was denied, that I could see the rate online, which is incorrect. 

There is nowhere advising me of the rate before I was quickly locked in by Citizens Access. 

To explain the screens : When I was going through the screens, and put in the information amount, it said continue, which I followed the prompt. ( on the bottom it say see rates, but I did not see it, since the continue button was much bigger ). I kept on continuing to see the rates and they never appeared, just the next button locked me in. 

I have opened many CD and have never been locked in without giving the rate and asking if I wished to continue. I think it is wrong that no where in the screens did the rate appear, just all of a sudden, I pressed next and was locked in without any options to not open the CD. 

I do not feel it is right that I should forfeit 6 months of interest and a XXXX penalty because the rate was not made clear before I locked in. 
I feel that I should have been able to get out of the CD without being penalized for non advertising, in other words, rate just not being disclosed. 

I have submitted a screen shot that shows : 2 year CD and continue but does not show the actual rate, which is the basis of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: GOLDMAN SACHS BANK USA
State: TX
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 noticed a hard inquiry dated XX/XX/2023 thru XXXX XXXX that an application for a Marcus XXXX credit card from Goldman Sachs Bank USA was approved and issued out in my name. When I contacted Goldman Sachs thru their customer service department they informed me that an application using my personal information was used. Everything they used was correct to verify except my telephone number. Goldman Sachs refused to give me the telephone number used except the area code was an XXXX area code. I then informed Goldman Sachs to block my account but not before they charged {$1100.00} to the account. Goldman Sachs informed me I needed to file a police report. When I tried to file the report the police department informed me since there was no one specifically to report it would be a very vague police report. Goldman Sachs then directed me to get on identity theft.gov to generate a report which they will use to cancel account and I will not be responsible for charges incurred due to fraudulent identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: Conn's, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns furniture store calls me more than 5 times a day. I have blocked so many numbers and the repeat call all day. I have told this company that several changes were not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me XXXX contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need 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 explanation