BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I got a promotional later frome chase bank stating that I am pre qualify for a promotion of XXXX interest for 18 month, on XX/XX/2023 I decided to go ahead and apply for that credit card, I must say that I have enough credit cards and I don't need more, the only reason I opend this credit was just because the 18 month XXXX interest promotion, after I applied online for the card I called to see if I got approved and they said yes and that the card is on its way and I should receive it in the mail, I believe there even was a confirmation of the 18 month XXXX interest In that conversation... 
On XXXX I checked my credit spending history and noticed that they are charging me interest! I called to cheek why are they charging interest, the first customer service responder was a lady and she said that it's a mistake and that the card should have the promotional XXXX interest, she even reversed the interest charges Back to my card and said they are sorry... 
After that she said she will transfer me to an account supervisor to fix the problem so I won't be charged interest on my card in the future, the supervisor checked and said that they are charging me interest because this card has interest on it and when I say that I got the XXXX percent XXXX interest he checked and said that I was not qualified for that promotion! He said that I should have Read all the small details which I did and nothing said clearly that the may decide not to give me the promotion even if they approved me for the credit card! 
This is very deceiving and bad business to lower customers to sign up for a credit card because a specific promotion and give them an approval for the credit without the promotion which is the only reason for opening the account!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: DISCOVER BANK
State: NY
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 XXXX, I fell behind on payments with this company due to my income being negatively impacted by XXXX. After losing my job, it was impossible to find a job to make payments due to being on lockdown. My XXXX also fell gravely ill with XXXX and my family almost lost her. Despite this, I scrounged up some money to begin making payments towards Discover, even going so far as to use a XXXX relief grant from my school to pay off the remainder of the balance. In XXXX of XXXX, after my XXXX had made a full recovery, I was able to focus on other things and reached out to Discover explaining my situation and inquired if they could remove the late payments from my credit report. I received an automated response denying my request and no investigation whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Direct Recovery Services, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I applied for and received a pat day loan from XXXX, of which I had paid off and extended the line of credit ( believe it was {$800.00} ) of which I paid a majority of. I had to stop paying them as I was embattled in alimony payments with an ex-wife. Since the alimony payments have stopped, XXXX sold the debt to direct recovery services who has called my parents, called my brother in law, and also call a friend I've known for 35 years. They disclosed amounts owed to these people in their quest to receive payment, which is illegal. Further, I contacted the company and requested that they communicate in writing via my email account, which they sent me an email and I returned and accepted their terms of communication. That was around XX/XX/2018. In that time, they have contacted family members of mine disclosing the amounts allegedly owed, despite my request for online communication, again which is a violation of FTC laws. 
Clearly this company ( or these companies ) have no regard for personal information nor do they uphold their standards to what is allowed by Federal Law. So I am filing this complaint so others know what to expect if they ever deal with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: American First Finance, Inc.
State: NY
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:
On XX/XX/2023 I have reached out on number occasions on the phone to resolve this dispute that I was unaware was in collections in the amount of XXXX from American finance company, also a collections from XXXX XXXX XXXX in the amount of XXXX and also an inaccurate amount being displayed for XXXX XXXX XXXX  these companies are reporting inaccurate information to XXXX, XXXX, XXXX where it still remains unable to be verify accurate information for these accounts that have been marked as a collections/charge off every month still after a dispute letter still reporting inaccurate balances displayed there has not been any further update nor deletions after request to removed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2023, XXXX XXXX sent me a Venmo in the amount of XXXX. I tried to instant transfer it to my bank in order to pay rent. Instant transfer was declined for some reason but standard transfer was available with a date of XX/XX/2023 given as the date to transfer to my bank by 2 different agents. Neither agent could tell me why the amount was on hold. I called on Monday and was told the same thing. I called today and was advised an additional 5 days may be needed before the funds would be released. This was never disclosed previously. Transcripts of all conversations were provided to me. XXXX XXXX Venmos me all the time as she is my rep payee for my XXXX funds. These are federal funds. Theyve never been held before and no reason was given as to why now. This is adverse action against me as a Medicare recipient. Additionally, Im incurring XXXX in late fees for being late with rent because of Venmo. I was told I could not escalate and no one knew who regulated Venmo. Id like the policy to be clearer, reasons for holding xfer past the 3 day window to be provided and any fees to transfer these funds be waived. The escalation policy should also be reviewed. My bank is XXXX XXXX. XXXX XXXX is XXXX XXXX and my name is on that account as well. Im being adversely affected. Funds couldve easily been verified. Please respond asap. Id also like a letter be sent to my rental company regarding this issue and for Venmo to refund any fees I incur for being late on rent. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
Company: Genesis FS Card Services, Inc.
State: AL
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 was paying on time with all of my bills but I was involved in a bad accident and still was paying but they reported me being late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I asked the credit bureau to do a verification on my credit report which they did. They stated everything on my report was accurate. I did a thorough research myself and found improper inaccuracies on the credit report even after they researched it. 

XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Original creditor In accordance with the Fair Credit Reporting Act Convergent the accounts 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 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 2023-03-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Someone used my information to get credit from a bank and supposedly made few payments and stop making payments and now is on a debt collection company. The account was open XX/XX/2020 with XXXX XXXX  and then sold it to PORTFOLIO RECOVERY ASSOCIATES , LLC. On XX/XX/2020. I called this company to disputed. I dont know whats next, I received an envelope with a form to fill and send back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
It was an offer that if I open a savings account and make three deposits over 3 months you would get a {$100.00} bonus award added to your account- knowing that these things are tricky to navigate I called the bank directly and requested a rep walk me through the process and they did. After three months when I did not receive the award I called and told them my story and how I had the rep walk me through it and the bank did follow up and check the tapes of my call and indeed the rep was incorrect in their instructions so i would be granted the {$100.00} in XX/XX/2022 when the promo ended. Just keep your money there I was told. XXXX came and went and I called once again. This time to be told the manager who granted that solution was no longer with the firm and I should forget about it they r not doing it and on top of it charged me a service fee! They did reverse the fee but that was all they did. The rest hangs in limbo. I feel misled and taken advantage of quite powerless. I am asking for your help to resolve this as it is still an open issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
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: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX - this account doesn't belong to me Action Requested : Please delete Rentdebt Automated Collection - this account doesn't belong to me. 
Action Requested : Please delete. 

XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete

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: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) 3 Credit Bureau are required to remove any items that were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXXXXXX 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  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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX has refused to properly update my student loan balance on my credit report for four months now, and they flat out refuse to help when I call them. Once again, my credit reports are incorrect, and the only way to attempt to fix them is to waste my time filing a dispute with the credit agencies. 

It is impossible to get a hold of a representative at XXXX who can actually do anything to help. It is near impossible to get a hold of any representative at all. They will claim that they are busier than usual, and they are sorry for the inconvenience, but they know darn well that they refuse to hire enough people to handle the job, and train them well enough to do actually do anything remotely helpful. They have no problem wrecking people 's credit scores, as there is no consequences for their actions. This is a scam, and XXXX does not deserve to stay in business.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have previously made complaints to CFPB about the unfair treatment by Wells Fargo with regards to a loan and forclosure on our home. The file has since been closed. 

I have not been notified by Wells Fargo about the CFPB enforcement action and award for the unfair treatment on our loan and the foreclosure on our home. 
I am not able to speak with any representative at Wells Fargo as I do not currently have an active 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 2022-03-22
Company: Albert Corporation
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for an Albert XXXX XXXX insured through XXXX XXXX ) account using a referral link I was provided. The referall link terms were very simple and only stated 1. You must be a new Albert member 2. You must sign up with a referral link 3. You must set up direct deposit with Albert Cash 4. Make a direct deposit of {$200.00} or more every 30 days for 90 consecutive days ( 3x total ).

5. Spend at least {$100.00} on goods or services with your Albert debit card every 30 days for 90 consecutive days ( 3x total ).

I met all of these terms in the 90 day window.

1. I have never had an Albert account before 2. I signed up using a referral link I was provided. The link takes you directly to the XXXX play app store ( or apple app store ) and provided them with my history which shows a link I clicked on that had the referral link and shows the XXXX play store address. I signed up for this account on XX/XX/XXXX 3. I set up a direct deposit from my employer into Albert Cash 4. I received a {$200.00} direct deposit from my employer on the XXXX and XXXX ( or earlier depending on weekend and/or # of days in month ) of every month from XXXX through XX/XX/XXXX. That satisfies the " every 30 days for 90 consecutive days '' requirement.

5. I spent over {$100.00} using my Albert debit card every 30 days for 90 consecutive days. 

I have provided all proof needed to Albert along with pictures of the terms I was given at signup.. and they refuse to payout the {$150.00} signup bonus. They are impossible to work with and do not have a number to call. There is only a number ( 5 digit so can not call ) to text and an email. I followed all rules and terms and they refuse to assist. 

Albert keeps making up terms that are not posted anywhere on the website or anywhere to dispute any bonus like " the referrer has to complete all requirements as well '' ... which is not posted ANYWHERE online or in the signup terms. They are a terrible product and do not have any online banking. Only app which is hard to work with. 
They then tried to claim I didn't use a referral link. Even though I provided them my history in my phone google chrome browser which showed a XXXX play store link with a referral code/link. They then admitted I used a referral link. They just continue to be impossible to work with and will do anything to not pay out the bonus as promised in the terms. Also my direct deposits that I set up match the direct deposit requirements EXACTLY as stated in the terms... why else would I set this up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: NY
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:
To someone in a position of authority that can help me resolve this issue, On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were innaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Section 611 ( a ) states that the failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It is currently 57 days, at this point these items need to be removed immediately. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply immediately with your investigation results. Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. I was also affected by the XXXX  data breach, and this problem could be the result of someone using my information fraudulently.

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 2018-08-20
Company: JPMORGAN CHASE & CO.
State: TX
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:
I got a Chase Freedom Credit Card a few months ago and on XX/XX/XXXX Chase decided to close my account. I usually make a minimum payment and I still have the year promotion to pay off the credit card and it will end in XX/XX/XXXX. So, I was not worry about that to much as long as I did my payments on time. I've never done a late payment before so I was surprised when I got my account closed. On XX/XX/XXXX I did a payment of {$1000.00} to lower my amount. I have always been in good standing with my credit and I don't want this closed account to hurt me in any way because I want to always have good credit especially that I have been working hard to have good standing credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 checked my report XXXX  noticed some accounts that are not mine I never opened these accoun ts and have asked fo info on how were they opened.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are a number of derogatory accounts reporting on my file that the credit bureau repeatedly fail to comply and properly validate. The information reporting does not belong to me and a result of identity theft its violation of my consumer rights pursuant to the FCRA. I would like this information removed 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 explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, 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:
I am a natural person, I am a living human being, i have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account : Individual Account Date reported XX/XX/2022 Account status Unpaid Creditor Classification Cable/Cellular Original amount owed {$1000.00} Original creditoXXXX XXXX XXXX Date assigned XX/XX/2022 Agency XXXX XXXX XXXX XXXX Status XXXX XX/XX/2022 Delinquency Date of last payment Balance owed {$1000.00} Comments Consumer Disputes Reinvestigation In Progress Balance date XX/XX/2022 Date of first delinquency Agency contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation