BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-05-25
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX XXXX consistently sends me offers in the mail to apply for their credit card ( partnered through CHASE ). Each offer shows an amount of new bonus miles that can be accrued if we fulfill the purchase obligations within a specified timeline. The nature of this offer was the most prominent part of the credit card offer. 

In XX/XX/XXXX I received such an offer, which clearly stated an offer number specific to my name and Southwest Rewards number. It also clearly stated a deadline for the offer to be valid. I applied, and when I was sent my card and approval Terms & Conditions, there was NO mention of the original offer of bonus miles. I called both XXXX and CHASE to request written confirmation of the bonus miles, and neither side could provide it. XXXX even stated that I didn't qualify for this offer at all, which was totally incorrect as the letter sent to me stated I did. 

Neither XXXX or CHASE would confirm the initial offer and neither would take any responsibility for ensuring the original offer of bonus miles would be attached to this card. I spent 2-3 days via calls and electronic communication and the further I went, the more suspicious and misleading it got. 

I ultimately elected not to activate the card and terminated the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have sold a plasma cutting welding machine on XXXX. The transaction payment did not show up in my Paypal account. After spending a lengthy amount of time on the phone with the Paypal representative, they were able to show the money posted to my PayPal account although it was/is held by Paypal. Paypal would not even release the shipping portion of the funds to ship the item. I had to use personal funds to ship the item. The representative informed me that the funds would be released to me once the item was received by the purchaser. The item has been shipped as described to the delivery address provided by the purchaser and satisfactorily delivered. 

In the interim the PayPal automated system asked for a copy of my driver 's license, shipping documents and original purchase receipts which I have provided. Upon logging onto my account today I have discovered that PayPal has my account locked stating that " You can't use PayPal Anymore '' and that any money in my balance will be held for 180 days. I called again and waited for a pay-pal representative ( XXXX, employee number XXXX ) who informed my that PayPal could not provide me with information as to the account closure would not provide me with any phone number or email of any responsible party who could. I was informed that my only recourse is to submit a written request to their corporate office via post to XXXX XXXX, CA XXXX. 

XXXX has since charged me for XXXX dollars ( 10 % of the {$4000.00} sale item ), PayPal has charged me for their fees and I have had to pay shipping since paypal is also holding the paid shipping charges. 

I understand the need for a new PayPal account user to wait for the item to be delivered in order to receive their money since a new account needs to be substantiated to help circumvent fraud. However, my account has been in good standing for over 15 years. The fact that Pay-Pal is withholding my money, refuses to give reasonable avenues to rectify the situation all while making interest on the float for countless transactions is criminal. These are racketeering practices by definition. PayPal needs to be held to Security and Exchange commission standards and provide adequate customer support if they are to be engaged in their business. Furthermore PayPal 's affiliates ( XXXX  ) should not be able to withdraw sale item funds from a seller 's personal account until payment for the item has been justly placed in the seller 's account. 

I look forward to your help in handling this matter but more importantly resolving the larger issue at hand and protecting innocent consumers from Pay Pals unjust actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
After two years of being a good paying Capital One Bank Credit Card customer, I had an income decrease as of XX/XX/XXXX due to having to pay for health insurance. I am a single woman in the state of New Jersey, employed full time, technically poverty level income. 

I contacted Capital One in XX/XX/XXXX to inform them of my income decrease, and to request help on one of two credit cards I have open with them, one with a limit of {$1900.00} with an interest rate of 21.49 %. 

I requested deferred payment and was denied. 
I requested lower interest rates and was denied. 

After falling 5 months behind, I was able to catch up with a gift given to me on XX/XX/XXXX,  because emails from Capital One said they would be willing to work with me. 

I called and paid on XX/XX/XXXX and requested a lower interest rate. I was told maybe in the future. 

Please help me find a way to get these interest rates lowered. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Red Bishop LLC
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I get loans and every time a stipend comes they " the school '' have a problem giving it to me. It will take over the 14 days and I always have paperwork that needs to be filled out. I do n't understand why, and also when I call the school they tell me that one of my advisers do n't work there or the other do n't take phone calls. Then they keep telling me that I 'm not getting a refund or they tell me that they need to review it. They get their money and no review is needed. Also i 'm being charged for 2 classes and am taking just one class. I am not getting my refund like they say. When I call I have to talk to people who answer phones, not my advisers. And they give me the run around and are very rude. But it 's my money and I work hard for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage
Sub-issue: Setting up an escrow account for taxes and insurance

Complaint:
Closed on a VA loan XX/XX/XXXX. Have had issues with the USPS delivering my mail, and today upon obtaining my mail, is a letter of cancelled coverage from the insurance provider from a home builder, who setup a policy and used an outside title company. Title company just never used the escrow to pay the premium, and my coverage cancelled XX/XX/XXXX. I discovered this on XX/XX/XXXX. 

XXXX : XXXX XXXX ( based in XXXX, CA ) Lender : XXXX  Title Company : XXXX XXXX XXXX ( in XXXX, CA ) My Address : XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: I.C. System, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ic systems is trying to collect a debt I do not owe for XXXX XXXX. This debt is not mine and I have never had XXXX XXXX. IC Systems did not send my any letters concerning this debt. I seen this debt 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 explanation
Consumer complaint received 2023-12-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a checking account with Citizens Bank. It was closed in XX/XX/2023 and still have not received the balance of the funds that were on account. I called on XXXX to ask if the funds were being released. The rep told me that the account was closed at end of billing cycle XXXX and check issued for {$6000.00} should receive the check by XXXX. On XXXX, was told there was no moneyissued and account under review. Couldn't explain why was told check issued. As the months go by they have removed XXXX for a maintenance fee Have had 3 fees removed and pending a fee for XXXX. I have no access to the money and this is holding me up from moving. Just want the balance since account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, 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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I recently paid off the entire balance of my Chase Sapphire credit card to the amount of $ XXXX in one large payment- XX/XX/2019. Have never missed a payment-never been late. The VERY next day, after the payment was received and posted,, apparently this triggered an account review, of some kind ... Chase then REDUCED my {$8500.00} credit limit by XXXX XXXX dollars to just XXXX XXXX dollars. When I called, clearly upset, I got the runaround from supervisor after supervisor, until I was told I would have to agree to a HARD INQUIRY review just to see if the reduction could be reversed. After over 45 minutes of very intrusive, sometimes inappropriate financial, employment, family and credit report questions and, worse, suppositions/- including why my credit card was maxed in the first place ( umm- unexpected disability and related medical expenses?!? - isnt that line of inquiry illegal anyway?! ) ... I was merely told Nope, sorry, too bad-theres nothing we can do ... .although, as a side note, this supervisor did fully admit that the initial account review done by computer the day before was inaccurate in some of its credit report findings after his further manual review- his name was XXXX, btw.  In the end, it didnt matter, and I got the proverbial rug pulled out from me after paying a VERYsignificant amount of money in the honorable cause of paying this credit debt off and do the right thing. Absolutely AWFUL the way I was treated, and more importantly- the whole excruciating process. Not to mention the loss of {$8000.00} of my credit card limit, along with more importantly, on my credit report utilization rate and credit score ... JUST AFTER paying the whole card off in the first place! One last note- amazing to me when the card had a high revolving balance, they had NO PROBLEM with the XXXX limit then and the 25 % APR in interest they were charging me for it every month!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: MECHANICS BANK
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Mechanics Bank XXXX XXXX bank are horrible and must be stopped!! 

1 ) They changed my due date while on autopay and continued to charge me late fees for months and never notified of this when I had alerts turned on for this and other reasons. 

2 ) I paid my loan in full after getting payoff on XX/XX/2023 and XXXX days later was charged again for different regular payment amount that I did not authorize. I have now been charged late fees for other charges. 

The bank 's systems do not work or work in the bank 's favor to generate illegal fees and/or extra payments they get to keep to generate revenue from interest. 

This bank must be stopped and/or audited severely. I'm seriously considering a class action on these clowns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2023, it has come to my attention that ADS COMMENITY/VICTORIA, XXXX, XXXX, AND XXXX XXXX XXXX have included an unfavorable remark on my credit report, as indicated by XXXX XXXX XXXX I want to assert that this account is fraudulent and was never associated with me. Upon conducting a thorough investigation, it has become evident that this account has been transferred or sold, and I bear no responsibility for this fraudulent activity. Additionally, the credit agency responsible for this collection has failed to verify its legitimacy, and no written communication, contact, or signature pertaining to this alleged debt has been provided. It is essential to recognize that a bill lacking a signature does not validate the debt, as anyone can send an invoice and falsely claim it as mine. In light of these circumstances, I must highlight that ADS COMMENITY/VICTORIA has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Consequently, I am requesting immediate legal action to rectify this matter by removing the account without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: New Century Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received an income execution letter from a creditor that I do not know,. The creditors name is New Century Financial Services Inc. Please advise on how to fix this situation. This creditor sent a letter to the XXXX County Sheriffs Department demanding that I pay {$1500.00} immediately. I thank you in advance for your attention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Unauthorized Credit Inquiry by several companies on my Credit Reports : XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) I did not authorize anyone employed by those companies to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Persolve, LLC - Legal - Series 2
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had a relationship with " XXXXXXXX XXXX '' yet there is an account showing as owed by me and being collected by Persolve Legal Group. 

I have attempted to speak with both XXXXXXXX XXXX and Persolve to determine where this account came from. XXXX can only tell me that it was " XXXX '', another company I've not heard of. Persolve has told me the debt would be removed as it was part of identity theft, yet to date, the account remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: Amos Financial LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX / XXXX I occupy XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ) through Adverse Possession from XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

On XX/XX/XXXX I filed ( Index # XXXX ) for Adverse possession at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX Contact Holding purchase the building ( XXXX XXXX XXXX XXXX ) from Ms. XXXX. During the closing the mortgage indicated it was null. The title company is XXXX XXXX XXXX XXXX. 

Ms. XXXX has large family which members intimidate me to move from XXXX XXXX XXXX On XX/XX/XXXX I filed a complaint with XXXX Dept. of Finance and on-line 311 Complaint form. On XX/XX/XXXX I filed a complaint with XXXX Sheriff Dept. ( XXXX XXXX XXXX, XXXX, XXXX XXXX ) During the bill of sale of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( last known address : XXXX XXXX XXXX, XXXX XXXX XXXX was never on sale document. 

On XXXX XXXX, XXXX Mr. XXXX XXXX XXXX went to XXXX XXXX Supreme Court stating he was the owner from XXXX and after XXXX XXXX XXXX purchase XXXX XXXX XXXX in XXXX that they were co-owner for a non-existing mortgage. 

As a result there is a foreclosure Auctions schedule foe XX/XX/XXXX at XXXX at XXXX XXXX XXXX, Rm XXXX, XXXX XXXX ( XXXX # XXXX ). 

Attorney XXXX XXXX XXXX XXXX, have a different office address listed. On court documents it stated her office is located at XXXX XXXX XXXX XXXX fl. But on internet it shows her office is located at XXXX XXXX New Jersey ( XXXX ). Mr. XXXX XXXX XXXX XXXX referee also sell property on Realtyhop and is familiar with XXXX area where Mr. XXXX XXXX XXXX lives for years. 

The property allegedly has several banks. The first was XXXX XXXX  which went out of business XXXX, FDIC ( XXXX ) is listed but their nature of business is saving and checking, and Amos  Financial LLC located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX. 

Attorney XXXX XXXX XXXX which specialized in Family law and Social Security Disabilities claims called me from Nevada ( XXXX ) stating she was never Mr. XXXX XXXX XXXX lawyer but court document on XX/XX/XXXX Index # XXXX never show XXXX XXXX or Contact Holding as Defendant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: KY
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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