BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
So i want to say on or around XX/XX/XXXX, I was at home getting ready to head to bed an i wanted to check my chase app before sleeping since it was payday. I open the app an see I was charged {$1300.00}. ALOT of money. an it was XXXX to someone. I later found out that a website I used, was breached an had been hacked. It was a computer website that had my card information as I was hoping to pay for something once i payed all my bills. I did not have anything in my cart nor did i save anything. So although i may not know XXXX % that was it since i was told via a friend that it also happened to but i can say i did not spend that amount of money an never will over a website. So chase than never gave me updates nor correct information on my claim than would talk about the case in a way that would be making me the bad guy as if im scamming people when i feel they should be helping me figure this out. At one point i tried to make a example of what it could be an the guy proceed to than assume i was being literal after many times i said " for example '' than would get smart mouthed with me. They than dont show any reasons on why my claim was denied. I want my money back as it IS fraud and with all there research, there isnt a way it is in the favor of being not fraud. I feel robbed an let down by a bank i really liked an felt would help with these things. They didnt help with my claim. I felt more as if i was being integrated rather than my claim being investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, INC.
State: OH
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:
I have a few accounts that I do not recognize on my credit report. I would like them to be re-investigated. My name is XXXX XXXX and not the XXXX XXXX XXXX either. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Please delete the following account : 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 response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Atlanticus Services Corporation
State: CA
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:
I received a pre-approval letter with an acceptance code from XXXX Credit Card on XX/XX/2019 by mail. 
That same evening I decided to activate it, its a fairly simple process, I went to my desktop, logged onto their website, filled in the blank, including my Social security number, my employment, income, mortgage and pressed submit all to find out I was declined and a letter would be sent out explaining why. 
My big issue is, had it been a pre-qualify or an invitation letter, I would not have proceeded. 
This was a total gimmick to get additional information from me and I am very upset. 
Pre approval has my name on it, the amount I'm approved for, there is an acceptance code. 
The fine prints read " final approval is not guaranteed if you do not meet criteria, including proof of ability to repay. 
Well that criteria was not defined and I certainly have the ability to pay. 
I wish for XXXX Credit Card to stop such practices and I am seeking Class Action Law Firms who may be interested in such matters. 
According to the customers service I contacted, they get several such complaints every day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: LCO Financial Services, LLC
State: NJ
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 called the company today to pay off the remaining of my principal balance. When they offer me the loan before, they said i can pay off the loan any time without any penalty. I have remaining {$640.00} on my principal balance. They said they can not process my payment because they already processing the {$190.00} payment that is due for tomorrow. So I said fine, then process the remaining {$630.00}, the remainder after that {$190.00} deductions. They said, they can not process it till Monday. Today is just Thursday. Then they said, on Monday, it will be {$660.00} and some cents. I asked, is that even after they deducts {$190.00} from my account?, they said yes. I said why is it too much. They said, because of the interest fee on those days before Monday. I said, that is why I am paying it off now, to avoid additional interests fee. They gave me a hard time over the phone. I attached the summary of the breakdown of my payments supposed to be. But this people lied about I can cancel at any time without any penalties. I have another loan that I also just paid off. They let me pay it off without question. They even made some deductions on my remaining principal balance because I was paying it off. But this company wont do that, and they have very high interest rate on top of it.

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 2020-05-14
Company: Self Lender Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/2020 I contacted XXXX XXXX XXXX and explained to them that I lost my job on XX/XX/2020 due to Covid-19 and wanted to see how could they help me with this issue because I been trying to fix my credit for 2 years and thats the reason I joined them. I missed the payment for 1 day but it wasnt because I didnt want to make the payment I lost my job and I was afraid with the little money and I had and had to wait almost 4 weeks to receive my first unemployment check. So the representative I spoke too said they were not going to report me and that they were going to help me.I told them as soon as I get my first unemployment check I would make the full payment immediately and did the payment on XX/XX/2020. I kept my word But they still reported me late to the credit bureaus when they said they werent going to do that. Im really disappointed because all the companies I have credit cards have worked with me but this company that offers you to help you with your credit builder account, I thought they would understand my situation but I guess they dont. I called them on XX/XX/2020 and explained the situation that they said they werent going to report me but said they couldnt do anything about and had to report it to the credit bureaus. Im very disappointed about this. I also reported this to XX/XX/XXXXbecause this is wrong on so many levels

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was on a repayment plan and have defaulted as we had other bills in place. I advised them I would like to get back on that plan but am unable to repay the defaulted amount. They said the only way to get back on a payment plan is to increase my monthly payments which I can't afford to do. So they call me 3-7 times a day starting at XXXX XXXX. My husband is a cosigner on my loan so they call him 3-7 times a day. My husband also has a student loan. He is in the XXXX and was supposed to have his XXXX XXXX applied to his loan, which we told the loan company but they don't care, they just say well it's not. They want us to pay just as much for his loan as we do for mine which I can't afford. We tried to apply for income based-but we make too much money. They don't take into account all of the monies that we pay out. So they call us 3-7 times or more every day from multiple phone numbers. We have asked them to not call us from dialers hoping to lessen the number of calls, but it hasn't lessened it at all. I don't feel like it's fair that a normal debt collector can't harass you like this, but that Navient is allowed to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
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: Was not notified of investigation status or results

Complaint:
I have been disputing with the bureaus since XX/XX/2020, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/2020 I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/2020 and I still have not received any correspondence from any of the bureaus on the status of my request. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2018-07-11
Company: Experian Information Solutions Inc.
State: OK
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:
Experian the credit reporting company does not have live agents at any of their phone numbers XXXX, XXXX, XXXX ... regardless what combination of options you choose in their automated system. 

The only time I ever spoke to a human at Experian was several years ago when I joined as a consumer and had to pay a monthly fee. IT took an act of congress to cancel the membership a few years later, and after that, i have never spoken to a human on the phone. 

Experian has reported the incorrect address for me and I would like to get it corrected. Also I would like to unfreeze my account so I can apply for credit as their automated system online is also not letting me do this.

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 2019-03-15
Company: Freedom Mortgage Company
State: WA
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 submitted a dispute regarding my account with Freedom Mortgage to all three credit bureaus, XXXX, XXXX, and XXXX. The dispute was accepted finally and it was removed off of all the bureaus. Then, all of the sudden the same mark was put right back on. I contacted Freedom mortgage and they reassured me that they did not resubmit the information. Every time I have contacted the three credit bureaus I get no resolution. They even put the mark back on the wrong month for XXXX. This has dropped my score over 100 points and I am never late on anything. This is not right. I need this removed permanently.

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 2018-02-05
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX debit card refused for food to go. On XX/XX/XXXX Account balance shud have been over {$700.00}. Contacted Suntrust and was made aware of many check card purchases leading to overdrawn balance. Submitted fraud claim XX/XX/XXXX. Much contact and submitting of claim forms, police report etc has followed. All result in letters stating SunTrust denies the claim. I have notified them of the fraud the same day I became aware of it. The first denial letter is dated XX/XX/XXXX. The charges and loss of all funds are due to criminal identity theft and this account is one of many challenges I face as a result of the criminal who has victimized me.

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 2023-02-15
Company: EQUIFAX, INC.
State: MI
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:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a serious issue I have been facing with the credit bureaus. I have written multiple letters to the credit bureaus stating that I have been a victim of identity theft and that there are fraudulent accounts on my credit report. However, despite my repeated attempts, the credit bureaus have taken no action to investigate the matter or to delete the fraudulent accounts from my credit report. 

I believe that this inaction by the credit bureaus is a clear violation of the Fair Credit Reporting Act ( FCRA ) laws. The FCRA requires that credit bureaus investigate any disputes raised by consumers regarding information on their credit reports, and that they must take steps to correct any errors or remove any inaccurate or fraudulent information from the report. 

Given that the credit bureaus have failed to comply with the FCRA laws and have not taken any action to remove the fraudulent accounts from my credit report, I am now turning to the Consumer Financial Protection Bureau for help. I urge the CFPB to take immediate action to ensure that the credit bureaus comply with the FCRA laws and delete the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent a dispute letter on XX/XX/XXXX through Certified Mail to XXXX requesting a reinvestigation and the Method of Verification for an account on my credit profile through XXXX. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. XXXX cant verify this account due to a security freeze on my profile and the Bankruptcy court cant verify Bankruptcies due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection company has yet to provide PROOF that this debt is mine. They can not furnish proper validation because this debt doesnt belong to me, Ive never signed for a CC with the original company. Ive reached out to the collections company asking for proof, Ive called and spoken to someone they just say they have but havent. This is impacting my overall perfect credit score in such a negative way because they know its not mine, yet theyre trying to collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: JPMORGAN CHASE & CO.
State: MD
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:
While in the process of getting a loan to purchase a house, I was informed that I have a Chase credit card on my name, which is in delinquency and I was reported in the credit bureau. I never opened such card or had any knowledge about it. I called Chase to find out more information. They told me that they were going to assign the case to a fraud investigator and they were canceling the account. It was clear in that conversation that the card was not opened by me and it could be identity theft. I was told that I would receive some paperwork by mail in max 7 days in order for me to sign and return and they will continue with the investigation. Upon my request, a supervisor was able to tell me that they will send a written communication by was stating that the account was closed and an investigation was being started. Almost a month had past and I have not received anything. I called again and asked for some proof of cancellation and the initiation of the investigation. I need that so I can provide it to the Bank where I am processing the loan for my home. I had to speak with many people again, explained the situation. I was transfer to a messaging service of the investigator assigned which is on leave for three weeks and you can not even leave messages. Called again and asked CHASE again for a communication in writing about the status, that the card has been canceled/closed and the investigation is in process. After almost two hours and transfer to many people and departments, they say they can not provide anything. They even said this time that no information is being sent by mail or fax. My credit is affected and I am only requesting a letter stating the status of the account. Nobody in CHASE take responsibility of informing a customer in writing the status of the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
Company: ALLY FINANCIAL INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This account was removed from XXXX. XXXX and XXXX have not removed the account, although validation has not been done. There is no possible way they validated when XXXX received the same information and could not validate which resulted in the account being 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 2021-02-25
Company: BMW Financial Services NA, LLC
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hi I was reviewing my credit report and I saw a bmw on my credit report I dont know who took it out, I tried calling bmw they wont release the contract who signed for it I naver ever gave someone permission or authorization to take out a car the date is XXXX XX/XX/2020 XXXX loan Please help me out to report this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am not even sure of this information. I didn't even know they took over my loans. I never had XXXX XXXX either. I spoke to them once, was put on a forbearance, and never heard from them again. That is until this month, when my social security XXXX check was short. I guess they were able to take my money that way. I am in XXXX, with XXXX, who previously had my loans, or so I thought, I never had an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
To whom it may concern, XXXX XXXX, 2017 My name is XXXX XXXX XXXX and I have a complaint against Citizens Bank located in XXXX, Ohio. I am writing this letter as a short explanation as to how this transpired. I closed my account with Citizens Bank on XXXX XXXX, 2017 and switched to XXXX XXXX around the same time. Upon switching banks I notified all parties whom electronically withdraw monthly payments, as to this change. XXXX XXXX XXXX, who holds my car loan, was not made aware of this change ( due to an internal error ), and proceeded to take my car payment from my old CLOSED account through Citizens Bank on XXXX XXXX, 2017. Instead of Citizens Bank notifying XXXX XXXX that the account was closed, they charged me a {$35.00} NSF charge, and did not pay the payment to XXXX XXXX Bank. As an apology to myself from XXXX XXXX, they sent me four gift cards in the total amount of {$40.00} to cover any NSF charges. I did not feel I owed ANY fees to Citizens Bank for the simple fact that the account was already closed. When I withdrew the remaining monies I had in XXXX XXXX on XX/XX/XXXX, in the amount of {$18.00}, I informed them that I was closing the account. I have not received any notice from them as to this being closed. According to Citizens Bank, I have a negative balance of $ XXXX. I am curious as to how I can obtain a negative balance in an account that is no longer open according to my records? I believe that Citizens Bank is performing illegal banking procedures, and unfortunately I am not the only one who has been affected by this. I am seeking that the account that I had with them be acknowledged that it is closed and that no monies are owed AT ALL. I would like an official letter from them that states these conditions for my records. Thank you for your attention in this upsetting matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief