BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 hade a credit card with best buy and its threw Citi bank. There was a charge on XX/XX/XXXX for the amount of XXXX. I did not make the transaction because I lost my wallet at the time. it was an online purchase and shipped to the address I live in before. i did not make this transaction and after i spoke to them they did give me a credit for the full amount and after they investigated said that i was going to pay for the charges i asked i did not make it and what can i do to prove that i did not they said they can tell me what to do they said that they will open it again and see what they can do they send me a letter saying that they did the investigation and im at fault for the charges. called again and they said that i can send them a bank statement for the amount threw fax id di comply and they said that they did not receive it and will not open the investigation unit they do. they said give it will Monday XX/XX/XXXX to see if they do get it if not they will look at other options

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 2015-05-31
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
XXXX XXXX, 2015Diamonds InternationalXXXXXXXX XXXX, XXXX XXXX Sir or Madam ; Please be advised I intend to continue my dispute for the transaction amount of {$17000.00} on Diamonds International account XXXX. I want to exercise in good faith my right to withhold further installment payments for the purchase of XXXX, which had been returned and received by D.I International office in New York on XXXX XXXX, 2015I do not owe your company additional installment payments totaling {$17000.00}. Again, The merchandise had been returned! Making further installment payments for a document that states " Store Credit Voucher '' totaling {$17.00} is beyond me. First, I have not received the voucher and second why am I buying it? ( literally ) I do not understand as to why D.I will not just credit my account since your credit card company is XXXX of the same as the merchant. I have sent certified letters and emails to your company requesting to do a charge back to no avail. Actually, D.I International credit card owes me a refund of {$380.00}. I have sent a payment of {$610.00} minus {$230.00} ( amount not in question ) leaving a positive balance of {$380.00}. 
I have not lost hope for your company to understand my dispute. Hoping for a positive response. 
NOTE : At the time of purchase, retailer failed to provide their return policy. 
Retailer had no conspicuous display of their No Refund Policy outside or inside the store, failed to provide its No Refund Policy anywhere in front of the sales receipt, and retailer 's sales representatives failed to inform me of store 's No Refund Policy before and/or after signing sales agreement. It was only when I attempted to obtain a Return Merchandise Authorization was I informed of retailer 's no refund policy in fine print located at the back of sales receipt. 
Cc : Consumer Protection Agency/ XXXX Consumer Financial Protection Bureau/ Federal Trade Commissions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX is violating XXXX of my federally protected consumer rights. They have been for over a year, they also put a judgement against me while serving XXXX people that werent me. They are also reporting to XXXX TRANSUNION and XXXX negative remarks regarding me, which is defamation and it is infringing my right to extend credit and i have received medical conditions as a result of the stress and deceitful practice by this Consumer Reporting agency 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 2023-07-28
Company: WSFS FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Someone called my bank and fraudulently tried to clean out my checking account and and when there wasn't enough they cleaned out my savings and over drew that account. The money never left my checking account and the account was frooze. 6 weeks later i closed my accounts and 1 month after that the bank placed me into collections for my overdrawn savings account that they overdrew! I didn't know about it untill I got turned down for a mortgage.

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 2015-08-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
PORTFOLIO RECOVERY ASS PORTFOLIO RECOVERY A XXXX XXXX XXXX XXXX XXXXThis is a duplicate of the XXXX/XXXX debt and has been reported to all bureaus, but the statute of limitations has run ( 6 years in XXXX where the debt began ). This needs to be removed. The original date of debt is incorrect-should be 2008.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: AZ
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 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 an account without my written instruction. 

The accounts that have violated my rights, will not share the information with me such as where the account came from, or account numbers are as follows. 

XXXX XXXX XXXX. they have harassed me and don't even show that that they were charging my card payments. 

XXXX XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX Solutions, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to my credit reports.

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 2018-10-22
Company: HEARTLAND PAYMENT SYSTEMS INC
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX recently became the servicer for my perkins loan from XXXX University. I am eligible for cancellation of my perkins loan due to my employment as a XXXX. Through my prior servicer I had several years of service and portions of my perkins loan were properly cancelled. I submitted a new request to Heartland and received no response. I followed up with Heartland and they indicated they had denied the request because the employer stamp or seal did not include the employer 's address, although the employer routinely uses this seal and the employer 's address is listed above on the form. No requirement that the stamp or seal include an employer address is listed anywhere on the cancellation form. Further, despite XXXX 's assertion, I received no notification of any problem with the request, by email or by mail. I would be interested to know how many cancellation requests are improperly denied simply because the corporate seal does not include an address - something most corporate seals do not include.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, 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:
XXXX is violating XXXX of my federally protected consumer rights. They have been for over a year, they also put a judgement against me while serving XXXX people that werent me. They are also reporting to XXXX XXXX and EQUIFAX negative remarks regarding me, which is defamation and it is infringing my right to extend credit and i have received medical conditions as a result of the stress and deceitful practice by this Consumer Reporting agency XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX I didn't authorize any inquiry to be made on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Law offices of Steven Cohen LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was in my house when XXXX men showed up looking for XXXX XXXX. I told them that was my previous name. They made me sign a document and handed me a garnishmentletter. I was very shocked because I do not oweanyone anything under that name. I came to this country at the end of XXXX with a tourist visa and I was living with my cousin who supported me financially. I overstayed my visa whichwasonly good forXXXX months and I was illegalwith no work documents. I got married in XXXX to a XXXX citizen, and took his last name of XXXX and about 6 months later I obtained my work authorization and social security number and was valid to work so I got employed. All the loans I had were under thename of XXXX XXXX. I could not have had a prior loan because I did not have working paper and no job.To my surpriseI received the garnishmentpaper under the name of XXXX XXXX. Iresponded to the orderof show cause that I do not owe anyone and I do not know the people suing me. To my surprisethe court clerktold me that it was a judgement against me and that I also settled the case. I believe thatthey illegallyobtainthat judgement and are attempting to sue me.I have the right to be in court during the judgement.. I neverreceivedany court documentsand did not settle anything. XXXX XXXX and his lawyer sued me behind myback and I was not aware ofjudgement therefore they got a default judgement against me 19 years ago. I am living in the same apartment 23 years ago. I nevermoved. The court also toldme that someone requestedthecase archive XXXX which was not me. They wait until XXXX to start togarnish me. I contacted my XXXX local XXXX and was given a lawyer which I found out later he was not a debt lawyer when he started telling things that after searching on the web were not accurate. He advised me to settle and get over it. 
I settled a debt for {$2000.00} that I did not even owe.I don't even know these people. When the lawyer responded to my order of show cause it got even very strange with an account number and date that was not true. I requested an archive of the case from the court. I was told it would take time because the debt was XXXX XXXX XXXX. Now I asked for a satisfaction of judgement and my lawyer was not even able to get it from them. XXXX my lawyer stated that they claimed that I paid {$1900.00} I sent him the proof of the XXXX money orders of {$1000.00} each. My lawyer contacted them with the proof and he is still waiting. He provided me with proof of an email he sent to them .Please investigatethese people before they do the same thing to someone else. I believeI was scammed.I have a lot of things going in my life I want to get in the bottom of this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX # XXXX OPENED XX/XX/XXXX, BALANCE {$340.00} XXXX XXXX XXXX SERVICES # XXXX OPENED XXXX XXXX XXXX XXXX XXXX # XXXX OPENED XXXX XXXX XXXX I AM WRITING TO SUBMIT A COMPLAINT TOWARDS THESE CREDITORS AND TRANSUNION CREDIT REPORTING AGENCIES BECAUSE THESE ACCOUNTS APPEAR ON MY CREDIT REPORT BY MISTAKE OR BY FRAUD. THEY DO NOT BELONG TO ME. MY NAME IS XXXX XXXX. I DO NOT HAVE ANY SUFFIXES OR GENERATION CODES, HOWEVER CREDIT REPORTING AGENCIES REPORT THAT THERE IS A GENERATION CODE WHICH IS THE SECOND BY MY NAME. THIS IS NPT CORRECT. I SUBMITTED MULTIPLE DOCUMENTS TO TRANSUNION AND THE CREDTORS ABOUT THIS DESCRIPANCY BUT THERE IS NO RESOLUTION. WHAT CAN I ASSUME THAT EITHER IT IS FRAUD OR AS MY NAME IS REPORTED INCORRECT, THESE ACCOUNTS MIGHT BELONG TO SOMEONE ELSE WITH THE SAME NAME. I HAVE SENT FTC REPORT AND ALL OTHER SUPPORTING DOCUMENTS BUT THE ONLY CREDIT BUREAU WHICH IS REPORTING THESE ACCOUNTS AND THAT IS TRANSUNION IS NOT WILLING TO MAKE ANY CHANGES. PLEASE ASSIST ME TO REMOVE THE MENTIONED ACCOUNTS FROM TRANSUNION CREDIT BUREAU AND OTHER AGENCIES IF THEY ALREADY REPORT PERMANENTLY. BECAUSE OF THESE ACCOUNTS MY CREDIT SCORE AND HISTORY ARE SERIOUSLY DEMAGED. ANY QUICK ASSISTANCE AND RESPONSE WILL BE HIGHLY APPRECIATED. THANK YOU IN ADVANCE!

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 2021-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
There is a 30 day late payment that is not correct and 2 inquiries I did not authorize and Most importantly a chapter XXXX bankruptcy that I did not file

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 2017-03-27
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a payday loan that is currently now being reported to my credit. I have tried disputing the error with XXXX and they stated that the it meet the FCRA requirements. I never recalled getting this pay day loan in my name and this should not be reported to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: ALLY FINANCIAL INC.
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: Information belongs to someone else

Complaint:
I checked my XXXX account and it shows inquiries that I did not authorize. I am disputing these due to them being hard inquiries and hurting my financial future. 
XXXX : Ally Financial XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-16
Company: SYNCHRONY FINANCIAL
State: NY
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 got a letter from Synchrony Bank, XXXX PA, stating that I tried to open a credit card from Synchrony Bank for my Paypal account. ( XXXX XXXX : XXXX ). 

I NEVER TRIED TO OPEN A CREDIT CARD for my Paypal Account ( associated with XXXX ). 

I tried to report this fraud to Synchrony Bank, but I have no way to contact them unless I already have an account with them. Therefore, this complaint is against Synchrony Bank because I have no way to report fraud to them unless I already have an account with them. 

( BTW, I actually do have an account with them associated with the retail chain PC XXXX, but this fraud attempt described above is NOT ASSOCIATED WITH THAT ACCOUNT ).

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 2016-05-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
i have try to make loan and credit card application at chase bank but i was turn down in the report i send you with the attachment on page XXXX at the top in the report chase bank show me as a creditor chase bank did not give me any loan or credit card because they did not give me any thing i can not be a creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Ive always paid my bill and paid off my card numerous times over the past few years, thousands of dollars and even been rewarded increase, my bill was due on the XXXX of XXXX, due to the Corona virus I called in 3 days past my date and come to find out they closed my account! No notice! No phone call, they would even disclose why, Im severely upset and offended now I have no card and balance that was in the works to be paid off, I want my card back and a reason why, even if Ive never been late to have my card closed for no good reason not fair ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX I didn't authorize any inquiry to be made on my credit

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 2022-10-27
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:
XXXX is violating XXXX of my federally protected consumer rights. They have been for over a year, they also put a judgement against me while serving XXXX people that werent me. They are also reporting to EXPERIAN XXXX and XXXX negative remarks regarding me, which is defamation and it is infringing my right to extend credit and i have received medical conditions as a result of the stress and deceitful practice by this Consumer Reporting agency 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 2016-01-21
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
JP Morgan Chase basically accuses me of lying about the procedure and the fact that we provided every single piece of documentation that they requested in a timely manner. I ( as well as the attorney that I was working with ) mailed everything piece of documentation that they requested and in a timely manner. They are also basically of accusing me of lying when I tell about a representative refusing to accept a temporary payment when I called to make one after making them for several months. 
I am completely XXXX at the defamation of character and the fact that they can XXXX us over and left us homeless by foreclosing and selling the house when the sale was supposed to be stopped and they sold it anyway and just get away with it. 
I have reported this matter numerous times hoping that someone will help obtain a satisfactory resolution and I will NOT stop reporting the matter here or with every organization that matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Experian Information Solutions Inc.
State: CA
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:
Account status causing negative impact on credit anlasys. Score rating impacted. Ujustly violating properley not having a fair and impartial bias will not permit me to be treated equaly.

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