BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-21
Company: JPMORGAN CHASE & CO.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a XXXX XXXX XXXX where I XXXX XXXX XXXX XXXX XXXX  and XXXX. I usually use 3rd party sites like XXXX and XXXX but I have a few loyal XXXX  who request to XXXX XXXX XXXX directly. I have had XXXX XXXX  set up for several years with license, tax id, DUNS, etc., so I applied for a merchant account with XXXX in order to process payments. I applied on Sunday XX/XX/20 and the application process is very similar to a credit card application. I was asked for my EIN, Business Information, XXXX, phone number, DOB, and SSN.  After entering the information, I waited for a response and was approved after about 3 minutes. I was instructed to enter my banking information for deposits, and finish the setup. When I finished, I got a notification informing me I was ready to receive payments. I sent my first invoice for {$550.00} and was paid promptly. The next morning, Monday XX/XX/20, I shipped the item via USPS Priority Mail. Tuesday afternoon, XX/XX/20, I got an email informing me that XXXX considered me a " high risk '' for charge backs and they would not be doing business with me. I logged into my account to find they had refunded my buyers credit card, without warning. I was out {$550.00} and my inventory, a XXXX XXXX XXXX XXXX. I tried to contact them but they were not reachable by phone. Luckily, I bank with Chase who is partnered with XXXX, so I called my bank and they managed to find me an email address after about 30 minutes of calling the number they had for support, which didn't work either. I received a response the following day which informed me they would not tell me how they came to the conclusion I was " high risk '' and they had the right to terminate at any time. They directed me to their " Terms of Service '', which I read but why would they have the right without cause? There could be no justifiable cause. They could have denied my application. All my information is valid and up to date. The package was in transit. What am I supposed to do? The last message they sent suggested I should have waited for the funds to be deposited, which is not how credit cards work. That is laughable. If that was the case, I would take checks. Please help me. This is no way to do business and no way to treat people. The coin pouch was delivered Thursday, XX/XX/20, without issue. {$550.00} is a lot of money and I am sure they have done this before and will continue to do this if they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Statebridge Company
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I'd like to sell my house which is currently under the HAMP mortgage program. It's been over 3 years since this mortgage was established. I'm current on all payment and have an good track record with the mortgage company XXXX XXXX XXXX based in Colorado. I owe more on the house than what I can sell if for. I was told when I received the new HAMP mortgage from XXXX ( they subsequently sold it to Statebridge ) that the deferred principle would be forgiven. I discovered this two week ago when I asked for a " payoff '' document. The payoff document said I still owed the entire amount of the XXXX redo mortgage. Statebridge is not responding to my last two email request. Below is information on the PRA statuteCan you help me? - Thank you - XXXX XXXX How the PRA Program Works PRA is a deferred principal reduction program that allows a borrower to earn the principal reduction ( the PRA Forbearance Amount ) over three years. Over the three-year period, one-third of the PRA Forbearance Amount will be forgiven each year ( on the anniversary of the borrower 's first trial modification payment ) until the entire amount is forgiven, as long as the borrower remains in good standing. In this manner, the entire PRA Forbearance Amount is eventually reduced to XXXX. ( If a borrower loses good standing, any reduction in principal that has not already been forgiven is considered a non-interest bearing principal forbearance for the remaining life of the loan which becomes due when the borrower sells, refinances, or at the end of the loan term. ) Borrowers who receive a principal reduction under PRA should consult a tax profession to discuss potential tax implications related to the principal forgiveness.given principle. I recently found a stipulation in HAMP loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
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 see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
A THIEF STOLE MY INFORMATION AND DECIDED TO GET A CAR WITH MY INFORMATION. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE NOT APPLIED FOR A CAR LOAN THROUGH HYUNDAI CAPITAL AMERICA. SOMEONE STOLE MY INFORMATION MY IDENTIFICATION AND DECIDED TO GET A CAR. THE IS PAID OFF BUT IT WAS NEVER MY LOAN, I WANT IT TO BE REMOVED FROM MY CREDIT REPORT 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 2020-02-04
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I was told by the dealership that the overage mileage would be waived if i leased a new car. Honda waive some of it but not all. I told that to Honda however they went ahead and charged off my account. So i went ahead and paid the balance. However the charge off is still on my credit account.there has to be some accountability of what dealerships will promise in order to get you into a new car and what the car company will keep to. I have heard the same horror stories from many friends and family. There has to be substance not just fluff

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04
Company: DISCOVER BANK
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:
NUMEROUS TIMES I HAVE SUBMITTED PROOF THAT I HAVE BEEN A VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND MADE FRAUDULENT CHARGES ON MY CREDIT CARD. I HAVE REACHED OUT TO DISCOVER THAT THE CHARGES ARE FRAUDULENT,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-24
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: Their investigation did not fix an error on your report

Complaint:
I have sent two dispute letters via USPS certified mail to Experian in the past few months. Each time, they reply back to me with an automated response stating the account I was disputing " has been verified. '' I have requested in each letter I sent, the name of the person from Experian who has verified these accounts along with the documents they are required to have on file proving the accuracy of these accounts, however I have never received any of this documentation. I have reached out to them two different times and nothing seems to be getting done as it should be.

There is an account starting with XXXX on my credit report from a company I have never heard of nor been associated with called " XXXX XXXX XXXX. '' I have never signed any kind of contract with this company, never received any kind of services from this company, and I have no obligation to any debt listed by this company that I have never even heard of. I have requested validation for this account in both of my disputes I mailed to Experian, and I never received anything. This account needs to be deleted, as incorrect information can not be published on my credit report. 

There is an account listed on my credit report under the name of XXXX XXXX  XXXX starting with XXXX that I have requested validation for in both of my disputes I mailed to Experian, and I never received anything. This account needs to be deleted, as incorrect and unverified information can not be published on my credit report. 

There is an account listed on my credit report under the name of XXXX XXXX  XXXX starting with XXXX that I have requested validation for in both of my disputes I mailed to Experian, and I never received anything. This account needs to be deleted, as incorrect and unverified information can not be published on my credit report. 

There is an account listed on my credit report under the name of XXXX XXXX XXXX  starting with XXXX that I have requested validation for in both of my disputes I mailed to Experian, and I never received anything. This account needs to be deleted, as incorrect and unverified information can not be published on my credit report.

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 2018-05-15
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Creditor : XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Tel XXXX XXXX This company will not remove the amount of {$1700.00} which they say I owe from My XXXX  Credit Report. I have tried to get them to remove this numerous times. I went to court and this account was settled. There was a voluntary dismissal in the state court of Georgia, XXXX County stating the acount did not belong to me. They keep on trying to make me pay for something that was not mine in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX and Experian are both reporting a collection from a company in the name of XXXX XXXX and the collection references an account with XXXX but I never had my account with them I paid XXXX directly for my balance owed. I disputed the account with the credit bureau and they simply kept it on my file and showing the balance as XXXX. Thats still not okay with me this shouldve never been posted to my credit bureau and I want it removed fairly. 

Thank you

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 2020-01-20
Company: SUNTRUST BANKS, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I mobile deposited a cashier 's check in the amount of {$2400.00} to my SunTrust Checking Account. I later recieved a Notice of Hold letter with the available date of XX/XX/XXXX. On XX/XX/XXXX, the funds weren't available, I called customer service and was told my account was closed and further review of the check was necessary with no timeframe given. I called again in XXXX and XXXX of XXXX and was told no information was available other than the check is still being reviewed and to try calling back in 30 - 60 days. I called in XX/XX/XXXX and was told I needed to contact the issuing bank and request they send SunTrust a Hold Harmless Letter, verifying the check was indeed issued to me, in order for the funds to be released. I contacted the issuing bank on XX/XX/XXXX who informed me that the funds were in fact collected from SunTrust for that cashier 's check on XX/XX/XXXX. I was also told that, the process for requesting a Hold Harmless is to be initiated by the requesting institution. So, in this case, Suntrust would need to directly contact the issuing bank to request further verification, which there is no record of any attempts being made by SunTrust to do so. I've tried to relay this information to SunTrust but the representatives aren't knowledgeable enough to help and I'm told there's no way for me to speak with an actual banker to resolve this issue. Again, this was a cashier 's check, which are guaranteed funds, that could easily be verified with a simple phone call to the issuing bank. Its been almost a year since I made this deposit and the funds have long since cleared. SunTrust has violated my rights as a consumer with this 'indefinite ' hold, even after the check has been paid with no evidence or probability of reversal.

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 2020-02-04
Company: EQUIFAX, 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:
The credit bureaus have outdated information and lots of items reporting wrong. Multiple addresses and phone numbers that I've never live at.The addresses that belong to me are XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 

The only number belonging to me is XXXX The rest of the numbers are not mine. 
XXXX XXXX XXXX XXXX show delinquent history loan have been rehabilitated and being paid as agreed.. XXXX XXXX exceed 7 years. XXXX XXXX should not be showing I was forced to move out because of mold and they agreed to the terms, plus its 7 years old. 
The following accounts have been re-aged which is illegal to do so. Everyone of the accounts are 7 years past statue for reporting. 
XXXX XXXX. 
XXXX XXXX duplicates XXXX XXXX XXXX duplicates XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: ALEXANDER-ROSE ASSOC, INC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Found a letter recently from Alexander and Rose Associates claiming that I owe and INSANE amount of money and along with the letter they sent a copy of a fraudulent lease they crossed out the end date of lease to XX/XX/XXXX. My lease states XX/XX/XXXX which I no longer lived there after XX/XX/XXXX. They crossed out the date and WROTE IN XX/XX/XXXX. I also believe they signed the property managers name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm requesting that the following accounts be blocked from my credit report. The credit reporting agencies will investigate and report back verified, but verified by whom, and supported by what physical documentation. As a consumer I have the right to request this so called vertification. However, I will file a law suit in my next attempt at this if for some reason this is again verified without providing me physical documentation. The following accounts in question are XXXX  ( XX/XX/XXXX ), and 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 explanation
Consumer complaint received 2018-06-23
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm requesting that the following accounts be blocked from my credit report. The credit reporting agencies will investigate and report back verified, but verified by whom, and supported by what physical documentation. As a consumer I have the right to request this so called vertification. However, I will file a law suit in my next attempt at this if for some reason this is again verified without providing me physical documentation. The following accounts in question are XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: CITIBANK, N.A.
State: NM
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 show a hard credit inquiry from XXXX XXXX that I have no record of from XX/XX/2018. I use to have an XXXX XXXX credit card but have not had it for years and years and never re-applied.

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 2018-03-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/2018, I ran my credit to review my ( XXXX ) credit reports XXXX XXXX, Equifax and XXXX XXXX and I was devastated to see ( XXXX ) or more " negative accounts '' had been posted to my " EQUIFAX '' file. These accounts were not on the previous Equifax report I ran on XX/XX/2018. The accounts were XXXX old and all were negatively closed. How can they post all these accounts to my file when there is also a " XXXX XXXX '' posted on the file. Why didn't Equifax question the posting of accounts that are XXXX old and have never appeared on my personal file. I believe they have merged someone with a similar name accounts onto my file. I have had addresses and similar names previously with Equifax appear on my file in the past. 
XXXX. XXXX Bank : # XXXX XXXX. XXXX Bank : # XXXX XXXX. XXXX Bank : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. XXXX XXXX : XXXX {$4800.00} 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 non-monetary relief
Consumer complaint received 2018-06-23
Company: First Data Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2018 I used a service the XXXX money network offers, which is the ability to write a check to withdraw money from my account without my card. I called the company 's number to receive an issuer number and transaction number and wrote the check for {$400.00}. When a transaction is created, the amount of the check is deducted from the account and moved to the check. When I attempted to cash the check, the cashier called the company to get approval for the transaction, as policy provides. Upon calling, the automated message said the check was unable to be verified, I called the company and while I was on the phone with the representative the cashier tried to verify the check again, but it was again denied. The representative then informed me they would not be able to cash the check. I was directed to fax a copy of the voided check to their office, which I did the same day. Since that day I've been given false information and different information with each call. The entire issue was due to fault on their end yet they have not returned the funds to my account nor given me an accurate time for the returned funds. I have been told something different each time I've called, which has been daily for the past week. Even upon speaking with supervisor s on each call I've still not received accurate information. They told me there is no corporate office number to call, and during my call today I was hung up on.

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 2018-06-23
Company: C & M Associates Group, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted in XX/XX/XXXX by XXXX XXXX XXXX XXXX. I was called about an apparent credit card that I opened in XX/XX/XXXX. According to XXXX XXXX XXXX, I paid on the card until XX/XX/XXXX ( for all I know, the card could have been paid off! ). According to the said group, The card was on my credit report, then taken off due to statute of limitations. The debt was for approximately {$5000.00}. The person I talked to on the phone stated that if I paid {$1000.00} within a month, he would settle the account, if I didn't he would sue me and the judgement would go on my credit report. I explained to the person I talked to that I vaguely remember even having the card. I didn't know that I could be sued for such an old debt. It seemed odd that such a high balance could be settled at such a low amount. I didn't understand why I was given such a short time frame to come up with a large amount of money for me. When I explained to the person I talked to that a lot had transpired since XX/XX/XXXX,  included a XXXX dad who survived a housefire, who I'm now Power of Attorney of. When I asked to at least have more time to get the money, that was refused. I didn't want to promise that I could get {$1000.00} in a month when I couldn't. What if I made that promise when called, and my XXXX   dad died. As Power of Attorney, I would be in charge of end of life arrangements, while going through the grief process myself. Would XXXX XXXX XXXX still take me to court then? It is inhumane to put such ultimatums on people in lue of the inevitabilities of life!

Company response to consumer: Closed with explanation