BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-11
Company: JPMORGAN CHASE & CO.
State: OH
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:
In XX/XX/XXXX I received a late notice from Chase XXXX, I called them because I thought I had a XXXX balance on it and havent ' used the card in months. I found out that they charged me a {$85.00} annual fee and this was what the balance was. So I call them to cancel the card because I never paid a fee when I got the card and did n't want a fee related card. They said they would remove the annual fee and I said I wanted them to reverse the late mark on my credit report since I 've never had this before. They said they couldnt ' do that. I asked for the card to be cancelled and to send me a final statment with my point balance. I got the statment 31 days later and I opened it the next day and saw that I had XXXX points or About {$210.00} worth. I called them to issue a check and they said they could n't do that because it was n't redeemed within 30 days and I called on day 32. I told them this was outright stealing and any unused points should automatically be issued upon closing the account. They said they would get back with me and so far I 've heard nothing. I texted them on their site and still no response. Horrible customer service to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-08-11
Company: Santander Consumer USA Holdings Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Chrysler Capital is reporting late notations for 2021. We have been going through some financial troubles for a while and Covid really sent us over the edge. We ended up getting really sick and have just been having a hard time getting back on our feet. I ask that Chrysler Capital please make a onetime good will adjustment and remove just the 2021 late notations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-21
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I filed an initial complaint to receive debt verification from JCS on XX/XX/2021. A second validation of debt was sent to JCS on XX/XX/2021. Despite these attempts, Jefferson Capital failed to provide legal verification of any alleged debt. Since the requested information was never received, I presume that no proof of the alleged debt exists, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28
Company: EQUIFAX, INC.
State: GA
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 NEED TO KNOW THE REASON WHY THE ACCOUNT OF XXXX. XXXX XXXX CORPORATION STILL REMAINS NEGATIVE ON MY CREDIT REPORT. YOU HAVE NO IDEA HOW MUCH THIS IS AFFECTING THE OVER-ALL PROGRESSIVE OF TRYING TO REACH MY GOALS. I HAVE A GOAL-SET IN MIND WHICH I NEED/ AND HAVE HAD MY FOCUSED ON FOR THE PAST COUPLE OF MONTHS NOW. I HAVE ATTEMPTED TO REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT SINCE XX/XX/2018. NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW THE REASON WHY THIS ACCOUNT HAS NOT BEEN REMOVED. I HAVE NOT RECEIVED ANY RESPONSE IN REGARDS TO THIS FROM EQUIFAX, PLEASE REMOVE THE ACCOUNT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

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 2019-12-12
Company: Global Lending Services LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Global lending repossessed the car back in XXXX they keep putting the car in repossion. Status like they dont have the car and reporting late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
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 belongs to someone else

Complaint:
I recently noticed incorrect and false information on my credit report. please see attached FtC report that was filled to remove false wrong information from my credit report as I have also been compromised due to the XXXX  data breach. pLEASE remove the public record accounts 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 2019-10-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citizens bank closed my checking account. Now I am receiving letters stating I owe money on a closed account. I was told it was closed so I am not sure why I would owe on a closed account. 

I was victim of identity theft in XX/XX/2019, and I am upset that the bank could not close an account without charging me fees. I spent a lot of time due to the id theft and I thought this was over. 

At this point, I want this matter resolved, no charges, or I am removing my money from this bank. I wanted this bank to help me and I have had nothing but trouble since the id theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan 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 by XXXX XXXX XXXX regarding a old payday I had with Checksmart however that debt was included in a recent bankruptcy that was filed. They threatened to pursue legal action against me even though I advised them this debt which is very old was included in the bankruptcy filing. I was hung up by two representatives after explaining my situation.If I don't pay the requested funds within two days they're threatening to contact my employer as well as garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Compass Recovery Group, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Friday XX/XX/XXXX while I was at work I received a call from a very unexpected person. A women who identifies herself as XXXX XXXX called her and told her that she was looking for me in regards to a legal matter. See what Ms. XXXX did was she contacted a 3rd party relative from my fathers family in which I have no affiliation or relationship with due to personal/family matters. Later that day this person Ms.. XXXX shared my personal information with had told another family member everything this so called detective told her. XXXX told her she was a detective working on behalf of XXXX county looking for me in regards to very serious legal matters. When MsXXXX called me this morning XX/XX/XXXX at XXXX this morning she lied several times which raised my suspicion about her credibility and how she handled matters. She was not honest about the location of her office and she also lied about the terms of the settlement. She declined that she was a debt collector and she said that she is a firm representative for the company which she would not disclose the name for which she was representing. When I asked for documentation such as a validation notice she Failed to make that accessible to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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  15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2019-01-30
Company: BlueChip Financial
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Got a small loan with XXXX XXXX for the amount of {$800.00} they advised that I would not owe that much. When I called back they advised I owed {$2000.00} over double than what was borrowed. The company is taking advantage of the consumer in a financial crisis. I tried to pay what I borrowed and make arrangements but they refused and want to collect {$2000.00} on an {$800.00} loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
They forced closed my account supposedly in XXXX but cant give me reason to a debit with withdrawal for XXXX from XX/XX/XXXX First they said it was the irs who took it back Now they dint know and its was a long time ago

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 2019-01-30
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: Account status incorrect

Complaint:
Please know that I was not late on XXXX XXXX  XXXX, XXXX  XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In my previous complaint with CFPB ( XXXX ), I  complained about the business practices of XXXX XXXX XXXX. I also filed a formal complaint with the XXXX XXXX XXXX  on XX/XX/XXXX. After I contacted XXXX  regarding my complaint, XXXX XXXX XXXX retaliated and sole my credit card account ( Visa # XXXX ) to third party which has now appeared on my credit report. In a letter I received from XXXX XXXX XXXX  dated XX/XX/XXXX, it mentions that my account for VisaXXXX was closed on XX/XX/XXXX which I was never informed via email or letter. I did receive an email on XX/XX/XXXX that the insurance for the Visa-XXXX would be cancel. Not once did this letter mentioned " closed ''. As I stated this retaliation against me from XXXX XXXX XXXX because of the complaint to the XXXX XXXX XXXX and my refusal to pay the excessive fees they attached to a couple of missed/late payments from over a year ago. Their tactics with the harassing, countless telephone calls on daily basis and now selling my account information to third party ( LVNV Funding LLC ) to collect I debt on the Visa-XXXX credit card in question that I had been paying on time for the past year is erroneous. I have worked hard to keep my credit report in good standing and now this company has taken despicable, desperate action to tarnished my credit score/report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am in the middle of a home loan purchase and Southwest Credit Systems reported a collection account for XXXX with no notice at all. I have not received a single notice or opportunity to determine if the debt is valid or not. I recently changed plans to be on the same plan as my employer and I paid all presented bills. I should not have any balance. I have no idea what this is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Insight Management Partners, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX from this company calling aggressively dont know who he is even harrassing estranged family members who I havent spoken to in years. Sent a cease and desist letter will not stop

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SELECT PORTFOLIO SER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had applied for a Citibank Costco credit card online on the same day I applied for other credit cards. All other credit cards were approved however Citibank denied the credit card because there were too many inquiries on my credit report. I explained this to Citibank and said that this reason was never mentioned anywhere at the time of my application that if there are multiple inquiries on the same day the card would be rejected even when the credit score is very good. This is misleading the applicant and also negatively impacting their credit record. Citibank should clearly indicate in their application process and not just say that it will be determined after the the credit score. This is not a transparent process and absolutely impacts the customer negatively.

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 2023-03-05
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I discovered multiple charges on my account it were not made by me they were unauthorized charges they were not made with the debit card they were made with a online device I believe my cell phone that was stolen from my vehicle I submitted the complaints to chime Bank and the first four which I get online they issued me a temporary credit and are still working on those there were multiple charges more so I contacted the bank over the phone and we filed a complaint for all the other charges less than an hour later my dispute was already denied when I was finally able to get reasoning from them I believe that it was inadequate of an investigation under regulation e in the time sense I reopened the claim by submitting the police report the cyber crimes report emails many things everything that I could and also an explanation and also to remove some of the charges and I'm not really getting any communication on the bank permit they're being really short with their emails and just sending computer generated ones and I feel like they haven't even taken the complaint out of the denied area yet so I can't even submit new stuff for it I feel like I'm just kind of getting the run around at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I lost my wallet last year with my social security card and ID inside. Ive been struggling with this ever since.

Company response to consumer: Closed with explanation