BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i Iam a XXXX XXXX year old man who lives on SSDI and my Mother whom is a XXXX year old widower woman we both depend upon our social security money to survive and buy food and other needs i was struck by a train 20 years ago she is my caregiver my XXXX year old mom then this bank that is completely erratic in polite and is totally wrong on how they think they can play with peoples money that in fact i or we do not even owe them a cent they owe us and they are refusing to give us our money deposited into their bank by the federal government which in fact is financial exploitation. No one Not even the XXXX office gives us a reason other to say they blocked our accounts and not letting us have access to our funds from the Government is a disgrace against The United States of America period. Who in XXXX  name do they think they are that they can hold over {$3000.00} of our monies just for sake off argument if we even and Do Not owe them anything. they can not make this rule hang onto our monies and say they will send us a check in the mail in 60 days is a real blow to mankind. This Guy who heads this bank XXXX XXXX the Chairman of the Board if you read this message hear this loud and clear read up and it says clearly Financial Exploitation or with holding money or medication in lawfully without justification and against a XXXX home care patient and a elderly senior citizens persons is a Federal Crime in the Great state of Illinois and i will reach out to the district attorney and attorney General and use their power to see you are arrested on this Federal Charge. i spoke to your secretary after writing yous and this must be retaliation on your part because i reported yous before to CFPB this same place and you were wrong then and are wrong now. you never even sent me a notice everyone i spoke with tells a different story everything i sent yous all the proof that we were taken advantage of y this payday loan company was sent fax by your own branch of chase bank hows that we had some issues with charges after the fact and the bank says file a dispute we did what they told us and the bank ruled in our favor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My credit report is showing late payments to XXXX XXXX XXXX and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

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 2023-07-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
all the big companys got XXXX listed differant i just want them to show same info

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 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX : XXXX XXXX XXXX TYPE : AUTO FINANCING DATE OF INQUIRIY : XX/XX/2022 XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.

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 2022-10-31
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022, I began a My Chase Plan for a {$2400.00} purchase. The terms of the My Chase Plan were XXXX  payments of {$130.00} with no monthly fee. 

On XX/XX/XXXX, my Interest saving balance for my credit card was much higher than expected, and for some reason a large part of the My Chase Plan principal was lumped with this month 's Interest saving balance, leaving a remaining principal of {$190.00} for an 18 month term loan that was originated only ~3 months ago on XX/XX/2022. 

I contacted Chase via phone on XX/XX/XXXX and they said there is nothing they can do to assist, sticking me with a monthly obligation of ~ {$2000.00} higher than expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid 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 received and signed up for an offer associated with my Chase Sapphire Reserve account. The terms state that upon spending {$100.00}, I would receive a cashback of {$20.00} ( screenshot of offer attached ). Due to this offer, I made a purchase of {$140.00} on XXXX. XXXX charged me in 2 separate transactions, with {$63.00} on XX/XX/XXXX, and {$79.00}  on XX/XX/XXXX ( screen shot of transactions attached ). I did not received the cashback, suspecting that Chase 's system was not able to identify this transaction over {$100.00} due to the separated transactions. So I called Chase to inform them of this situation, and was informed that their team would contact me within a week. So far, it has been about a month from that conversation, and I have not heard from Chase on a resolution on this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no 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
Consumer complaint received 2019-12-03
Company: EQUIFAX, INC.
State: FL
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:
THE ACCOUNTS DISPUTED ARE CLOSED ACCOUNTS THAT HAS BEEN SETTLED. THOSE ACCOUNTS ARE STILL REPORTING DEROGATORY ON MY CREDIT AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED OFF MY CREDIT. THE ACCOUNTS HAS BEEN HARMING MY CREDIT TREMENDOUSLY AND HAS BEEN REPORTING DELINQUENTS WHEN IT SHOULD NOT HAVE. THOSE DELINQUENT MARKS DOES NOT REFLECT TRANSACTIONS MADE ON THOSE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: DISCOVER BANK
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Denied credit and company unable to provide what the approval requirements are so if they dont know how can they deny my extension of credit if they dont know criteria

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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 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 non-monetary relief
Consumer complaint received 2022-09-13
Company: ORG GC GP Buyer, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
GC Services called me this morning about my account with the Michigan State Treasury to pay off back taxes. I made a payment today, but I was about 10 days late. I didn't know they were a collection agency until I googled the phone number. I think they wanted me to believe they were the State of Michigan. The representative was incredibly rude and hung up. I am not sure if they are going to try and ruin my credit or not, but I am NOT behind on my payments, I was just a few days late ; times are hard. I have attached proof that I've made my payments. Please tell GC Services not to ruin my credit, as I am current on my tax account. These guys have already been in trouble for impersonating government officials and making threats. Here 's the link. https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Experian Information Solutions 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:
stuff showing inaccurate information that is not mine violates my rights i have filed police report that i enclose .. also hippa and ID theft gov please this removed

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 2021-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This complaint relates to my account at Citi : XXXX XXXX XXXX XXXX  XXXX. In late XXXX, the autopay did not go through because my checking account was slightly short due to an unexpected expense. On XX/XX/XXXX, within a few days, I manually paid the full statement 's prior balance of {$2900.00}, and that was taken from my account and reflected on my statement. Citi continued to attempt to take the same {$2900.00} again several times ( I tried to get them to stop, but long wait times prevented me from getting help ), and they were successful on XX/XX/XXXX. I called multiple times and they refused to refund the duplicate payment or assist in any way. I advised them I would contest the XX/XX/XXXX payment with my bank, which I did. The bank reversed the charge and redeposited the funds on XX/XX/XXXX. I thought the situation was settled, but on XX/XX/XXXX Citi manually reversed the XX/XX/XXXX payment off of my credit card statement saying it was a " customer request '' - it was not- and I was charged a {$29.00} returned check fee. I called and, once again, got the runaround. The agent asked if I can make a payment today- THEY HADMY MONEY! The funds were not redeposited in my account. Citi 's customer service is so poor it is tantamount to a deceptive practice. For context, I am an accountant, so I understand how this should work.

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 2021-10-29
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Today XX/XX/XXXX I received a letter from Southeast Toyota Finance where I have an account I nver been late, even so this last XXXX I did three aditional payments into my account after several intents, emails to contact them I thought that everythig was clearly explained, but today I received a letter from Southeast Toyota Finance trying to collect debt of {$250.00} bill that I alreay paid in fact they charged me {$40.00} latest fees that they told me that will be refunded but they are not plus, they are treating me to collect this debt or they will report it into my credit report. 

As I said before on my complaints, Southeast Toyota Finance is just lying not only about me if not about thousand of people, in the same situation that me. 
They are trying to add as must lates fees as they can, and misslending people accounts in their own benefits. 

Problably the best thing we can do is to sue Southeast Toyota Finance in court for all damages they in doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XXXX XXXX, XXXX, A promotion for XXXX XXXX XXXX card was referred to me. The offer was XXXX points for my referrer and XXXX points for me after completing the spending requirement. 
On XXXX XXXX, XXXX, I applied the card via referral link and approved. 
I finished the spending requirement by the end of XXXX. Upon the completion of my requirement, my referrer got XXXX points bonus. However, my XXXX bonus has not been awarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: W&A Intermediate Co., LLC
State: PA
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:
Under the Fair Debt Collections Practices Act ( FDCPPA ), I have the right to request and receive validation of the debt. However, I never received proof that I am the party they are asking to pay the debt, or the date of the alleged medical service, or proof of any contractual obligation which is binding me to the debt. 

In addition, I never received a copy of any alleged agreement with my signature that I agreed to pay this creditor or a copy of a HIPAA authorization, since this is a medical account. 

The name of the company that has been taking actions against me is Wakefield & Associates. It shows on my credit report that the date it was opened was XX/XX/2021. The balance is showing as {$1000.00}. 

I have tried disputing this information with the credit bureaus multiple times and they are refusing to delete the information, despite it being a violation of my rights to be held responsible for a debt that has not been verified or proved to be mine and that is a clear breach of security.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: OR
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 believe I am a victim of Identity theft there are multiple accounts that are on my credit report that I did not open or authorize. I really don't know anything about credit until I recently check my credit report and seen these fraudulent accounts. I am just confused how someone can open accounts in my name Without my consent or authorization Please look into my investigation Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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