BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-07
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:
On XX/XX/2018, I contracted Chase via phone. I was attempting to buy tickets from a seller and was provided with a name and email address. As a way of due diligence I spoke to a Chase representative regarding XXXX and to ensure the name and email belonged to a legitimate account. The email was confirmed to have an account with Chase or one its partner banks. I went ahead and submitted a transaction for {$480.00} to XXXX XXXX at XXXX I did not receive the digital tickets within 10 minutes and the person stopped responding to my calls/texts. I immediately contcted Chase to stop the transaction but was told the person had already accepted the money and they could not retrieve the money. They informed me they would file a claim to contact the persons bank and try to get my money back. I was told I would hear back within 5 business days.

I contacted Chase again on XX/XX/2018, since I had not received any information. The representative told me there was no update but provided me with a case number and XXXX   number and told me to call to get an update. After being in the phone for over 20 minutes, XXXX informed me they dont handle claims and that this issue needed to be resolved directly with my bank. 

I called Chase again and was told my claim had been rejected by Chase and that they had submitted a claim to the persons bank. I was told I needed to wait and see if their bank would reimburse me. Needless to say, I did not receive the customer service or assistance I needed from the bank where I have been a loyal client for 7 years. I requested the name of the bank of the other party so I could attempt to follow up on my own, but was told I could not have this information. I was told to just call back periodically to see if the other bank had responded. I have yet to receive any information and no refund has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I went to purchase a car in XX/XX/XXXX. I was coerced into a predatory loan and finaced by Santander Consumer USA Inc. The interest rate is 23 %. My monthly payments are {$600.00}. I can not afford that payment. The Company knew that i did not have much income at the time of purchase, yet it qualified me somehow and stick me with this high payment that is on the road they calculated for default.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
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: Was not notified of investigation status or results

Complaint:
XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet I feel like im being taken advantage of and being ignored of mh Disputes Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from mh Credit report it has been over 60 days so they should be deleted promptlyle I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the wrong hands

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 2021-04-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX  is reporting two accounts in my credit profile under an authorized user. Let me be clear I have never held a XXXX XXXX card for XXXX nor XXXX  much less having one in my credit report. 

Those cards that are on my profile are affecting my utilization % and this is not ok. 

Please verify and remove such accounts from the credit bureaus as soon as possible. 

I attached a copy of my Experian report, however, I have confirmed the existence of these accounts with XXXX and 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 2020-09-09
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I saw on my credit report a collection line item for roughly {$120.00} with Medical Data Systems of XXXX XXXX, FL. I contacted them in XX/XX/2020 in an attempt to clear this from my credit report. I paid what I was told was owed ... .roughly {$120.00} My credit report then showed a new {$9.00} balance with them. I called again to pay this {$9.00} balance and was told there was a new balance of {$27.00}. When I disputed both the {$9.00} charge and the {$27.00}, I was told that they may not have received the debt the last time I called and that is why I was not notified of the debt. I said I wanted to clear the {$9.00} line item from my credit report. 

The representative advised that I would need to pay the debt and send a copy of my end of month credit card statement to Medical Data Systems in order to receive a XXXX balance letter. The doctors that reported this debt, I had not seen in 2 years ... it made no sense why my balance with Medical Data Systems would increase over the period of one month. Also, I do not understand why a receipt of payment is not forthcoming.

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 2023-01-25
Company: Genesis FS Card Services, 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: Account information incorrect

Complaint:
I had a medical crisis XX/XX/XXXX where I was unable to work, unable to pay bills, I paid off indigo credit card through Genesis financial on XX/XX/XXXX for the amount of {$770.00} through my bank account, however it's still shows it as a charge off and an unpaid balance and when I call two different numbers, one listed through credit bureaus and one on back of the card, it tells me I've been turned over to a collection agency and disconnects. I have filed disputes with all three credit bureaus who have been unable to resolve this. The fact is I paid this up on XX/XX/XXXX through XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
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:
Santander bank employee advised me not to make a payment while she investigated my account ... during this time they reported me late to the credit bureau even tho they told me not to pay 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 2018-07-18
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Approx. XX/XX/XXXX I recieved a letter from ERC stating I owed over {$300.00} for a direct tv box that was not returned. This box was returned directly to an XXXX  tech in XX/XX/XXXX. In XX/XX/XXXX, I confirmed with XXXX   that this debt was not valid. I was told by an XXXX rep that the information would be in ERC 's system shortly and it was taken care of. Today, XX/XX/XXXX, I received a letter stating I owed them {$190.00} for the same issue. Again, I called XXXX and confirmed AGAIN that this debit was settled and the box was returned. I then called ERC. They claimed this was the first contact from them and att sent them the debt on XX/XX/XXXX. They claim they do now own this debt but are preparing to report the credit bureau in XX/XX/XXXX. I feel that I am being harassed by a less than honest debt collector. I have returned all equipment owned by XXXX and this has been confirmed TWICE by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was living at XXXX XXXX XXXX for 4 month left and went back to my moms house at XXXX XXXX XXXX XX/XX/XXXX we had a fight he stole my passport I did not apply or take out any student loans or give my information to be used as co-sign the person responsible is XXXX XXXX XXXX please update your info and help he stop the fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a problem with PNC everytime i make a huge purchase that's around XXXX dollars on electronic goods PNC always blocks my card and everytime i call it gets very annoying that i have to approve the purchase to make it go though even though I HAVE THE CARD IN MY POSSESSION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX Balance {$61000.00} - Data furnisher is in Violation of FCBA 15 US Code sS 1666 " Adverse action '' never notified me about putting any negative information on my credit report or reason why?. The " Account Specifics '' " dates for payments '' and dollar amounts are all inconsistent. This negligence by the Data Furnisher has led to " Billing Errors '' on the " Payment Grid '' and Please remove from my credit reports consistency with amounts along with erroneous and inaccurate information between all 3 bureaus. These are violations of Eoscar and Metro2 protocol for the " carbon copy rule '' for all data furnishers to be in compliance. This was done to avoid the reporting of erroneous and inaccurate information between all 3 credit bureaus and the data furnisher is in violation. Please correct and update. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$9600.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX XXXX XXXX XXXX XXXX  Balance {$1900.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX XXXX XXXX  Balance {$340.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX XXXX XXXX XXXX  Balance {$1800.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information.

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 2018-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. 
XXXX/XXXXDate of Inquiry : XX/XX/XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX XXXXDate of Inquiry : XX/XX/XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: National Management Recovery Corp. (NMRC)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am working from home and received a call from my phone/extension number from my physical work station : XXXX on XX/XX/XXXX. I answered and was informed that there were officers at my office to serve me for an outstanding debt. 
Since the call came from my extension at work I believed they were standing at my desk, which can only be accessed by badge entry, however I was not notified by any one from work of this activity. I was embarrassed and mortified that there might be officers at my work serving me papers for a lawsuit. 
The person that called me from my work number gave me the phone number XXXX and case number XXXX to call. 
I called XXXX and gave the case ID # XXXX and was informed that I am in the process of being sued and that officers were sent to my work to serve me with a warrant for an outstanding debt from XXXX XXXX  and was advised that I could stop the proceedings by paying the debt. I felt extremely embarrassed by the situation and I did not want to go through the humiliation of officers going to my work place again. I used our rent money to pay off the total of {$850.00} that was being collected from me for a payday loan I defaulted on in XXXX because my husband was unemployed. The cost included the loan balance, the cost of the officers sent to my office and the legal costs accrued. The original loan amount was for {$250.00} and the outstanding balance was {$290.00} I believed everything they told me and I do not believe their tactics to collect the debt were legal or ethical. They used intimidating and humiliating tactics that should not be used. It is bad enough that my credit score has suffered for unpaid debts, but NMRC Collections completely crossed the line. I never received any confirmation from my work that anyone was at my desk on XX/XX/XXXX and if no one was there, then someone cloned my work phone number to make me believe the situation they described to me in order to intimidate me into paying an outstanding debt! I did not receive notice from NMRC that they were collecting a debt from me in writing either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: EQUIFAX, INC.
State: DC
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 am a victim of identity theft for the past three years. I have a valid Police Report and I was requesting blocking of fraudulent inquiries ( i.e. applications for credit ) in accordance to FCRA 605B. The customer service representative denied 605B Fraud Block and stated that the investigation has to take 30 days. I asked to be transferred to a supervisor and I was told that the investigations has been filled already, therefore, she is unable to block as per the pending investigation. I specifically requested to have that information blocked in the first place, while the 30 day investigation is pending ( in compliance with FCRA 605B ), however, both the customer service representative and the supervisor were unaware of FCRA 605B Block or they willfully did not comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10
Company: Aargon Agency, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have two problematic issues with my credit there are 2 inaccurate things on my credit. 

1. Aargon Agency shows on XXXX & XXXX that {$200.00} is owed. This is NOT my account. 
XXXX. XXXX XXXX shows on XXXX XXXX XXXX that {$480.00} this account goes away then pops back on to credit profile with a different account number.

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 2018-09-25
Company: Andreu, Palma & Andreu, PL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Am being sued for credit card debt by XXXX XXXX, XXXX XXXX XXXX from XXXX, Florida. It was for a XXXX XXXX rewards card.The account was charged off and sold to XXXX XXXX who sold to XXXX XXXX, XXXX XXXX  XXXX. I was never contacted by original creditor as required by law that the debt was being sold. so it is not a true assignment of debt. The only document i received was old credit card statements. I asked for additional paperwork that proved they have the right to collect and I received nothing. 
I found out through public records of a lawsuit. I called and spoke to a representative who made me an offer that I could not afford. They would not budge. I am disabled and living on social security. I believe they have to provide me with proof of assignment showing that the account was sold from original creditor to them. I am not disputing the debt from the original card holder but only that i was not contacted and when I asked for documentation, I got no response, except that a lawsuit was filed. I found out in a advertisement from a outside mediator who wanted to represent me. In addition I asked to speak to an attorney and they refused.

Company response to consumer: Closed with explanation