BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX my wife received a call from XXXX XXXX XXXX advising that they were in the processes of bringing legal action against me for a debt from XXXX. They claim that the original creditor was HSBC and I owed {$650.00}. They also claim that the last payment made on this account was XX/XX/XXXX for {$200.00}, however I do not even recall applying for a credit card from HSBC. My wife asked them to provide a court filing # so that we can research and the representative told her that the litigation was pending. We have received calls from this company in the past and they had threated to sue me in court for said debt. My wife asked them to provide a copy of the payment history that they claim exists, however the representative stated she didn't have one in their records. I am frustrated with all the threatening phone calls. My wife requested more information be emailed to her and I attached the document they sent to her in this complaint. The address they have for me is over 10 years old so I have never received any correspondence from them. I wrote up a Debt Validation Letter that I am mailing out to their company today as well. I attached a copy of that for your records. The company name is XXXX XXXX XXXX ( Website - XXXX XXXX XXXX XXXX XXXX ) - Address : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: TN
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 wrote a letter about false information on my credit report, and more than 60 days later, i still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. it is precisely stated in section 611 ( a ) that refusal to investigate these allegation within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and its feasible that it landed in the incorrect 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 2021-11-04
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX and XXXX XXXX XXXX XXXX have both been Paid in full both still is reporting as delinquent after many letter about other incorrect items reported it kept updating as verified it couldn't be right

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX, We chose the best center seats with full view of center stage and paid in full {$1500.00} online at XXXX for 4 tickets for XXXX at XXXX XXXX in DC XX/XX/XXXX, We printed the tickets from the sales confirmation email just minutes before the show, they are the worst seats in the XXXX XXXX, only XXXX of the center stage can be seen. They are not the full view of the center stage seats that are written in the email of the sales confirmation from XXXX. 

The total value of the tickets is {$510.00}. Copies of the value & seat number of each ticket are in the attached image files. The image file of the sales confirmation is also attached. 
The total markup is {$1000.00}, staggering 2 times more than the ticket value, its a crime to steal money this way. It looks like a online tickets scam. 

XX/XX/XXXX, I reported the dispute to Chase at XXXX, Chase refused to refund. 

Solution request : {$1000.00} to be refunded as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My account is with Chase Bank. On XX/XX/2022, I wrote a check to the XXXX XXXX for {$10000.00} for payment of taxes. The check was intercepted and altered. The payee was changed to " XXXX XXXX '', someone I never heard of. The check was then cashed at the XXXX  XXXX XXXX. Chase took the funds from my account. 

I learned of this alteration on XX/XX/2022 following a conversation with the Internal Revenue Service in which I questioned why I had not been credited with the XX/XX/XXXX payment. On XX/XX/2022, I went to my Chase branch and, with the assistance of a banker, completed a Declaration of Unauthorized Endorsement or Altered Item ''. Chase does not give me answers as to what they are doing to replace my money and only tells me it takes time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Terrifying that your bank can make YOU the victim of theft and fraud! On XXXX XXXX my car was burglarized, and I lost my purse and all of its contents. I had TWO Wells Fargo debit cards, a Wells Fargo credit card, and Wells Fargo checks stolen. I was on the phone, and reported my things stolen to the bank within 45 minutes of finding out. I was told that my account was safe, and that I had nothing to worry about as my new cards were on the way. Well, I was NOT. My checks were NEVER cancelled by the agent, and my account was NOT transferred. Fast forward to XX/XX/XXXX, when the criminals that stole my things were able to walk into Wells Fargo and deposit FOUR bad checks into my account- totaling {$17000.00}. Ultimately, these checks bounced and although I followed ALL protocol, my claims for the fraud were denied. I have filed police reports, detectives at my beck and call ready to vouch for me- all of the evidence in the world to support my case. The CRAZIEST part is that not one single Wells Fargo employee OR branch member can tell me WHERE these checks were deposited so that I can have the policy retrieve the valuable video evidence. So, not only are you refusing to give my " protected '' money back- you XXXX to tell me where these checks were deposited so that I can further prove my story. No one even had the decency to reach out to me, even though I've begged for someone to call. All I get sent to me are letters in the mail stating my claim was denied. I've been into branches, I've spent hours on the phone with the bank, and all I've gotten was a {$10000.00} credit. IM STILL MISSING {$7700.00}!!!! The bank is now completely unresponsive. I'm closing my accounts, and filing every single possible complaint out there. This company has SEVERELY failed my family- and after 13 years I'm done. GET YOUR MONEY OUT OF THIS BANK. THEY DO NOT PROTECT THEIR CUSTOMERS.

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 2019-11-05
Company: National Management Recovery Corp. (NMRC)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XX/XX/2019, at or about XXXX ( CA. Time ) I received a telephone call from a representative, stating he was an attorney from XXXX, XXXX and he was representing XXXX. As stated, by the representative from XXXX, XXXX this was an attempt to collect a on a debt for XXXX. I informed the individual, I was already in the process of repaying the loan as of XXXX XX/XX/2019. 
I also requested for the individual to send whatever information he had pertaining to the loan to my address on file with his company. The person that he will not send me any information through the mail to my address. I asked the person, if his telephone call was being recorded and he stated, yes it was. So, I repeated my request for the company to send the information pertaining to said loan to my address on file. 
The individual once again, stated he will not send anything by way of mail correspondence. He continue to go on stating, '' this is what happen when you do not take care of your business. We will be suing you for the loan debt, as well as any other additional costs. '' This company seems to work with or under different a name beside XXXX, XXXX, which is NMRC ( National Management Recovery Corp ). This company XXXX, XXXX as well XXXX personnel are crude, disrespectful, extremely rude. Their harassing calls to my number begins at XXXX ( CA. time ) and continues throughout the day. Now, they're threatening to sue me in court, and refuses to send me any form of written communications. I am attempting to repay my loan debt but this company refuses to listen, they just continues with their harassing bullying calls and threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My name is XXXX XXXX XXXX the dispute is with for CHASE ACCT #. XXXX XXXX XXXX XXXX XXXX : On XX/XX/2021, A man called me on my cell phone identifying himself as a member of the Chase Fraud department, said that my card was in danger of fraud and he needed to confirm some information, asked me my name, confirmed my address and my cell number., he mentioned about my other credit cards as well, he needed to do the same., I became suspicious of the call and hang up,. I immediately called the back of Chase Card number and REPORTED the suspicious call, requested a payment stop for any purchases on the account and asked for the card to be canceled. Things seemed to be normal, My card was canceled and replaced by another one within a couple of weeks. For the next month, I received the monthly bill with two charges done on the day mentioned above : the charges were done by these merchants 1. XXXX XXXX XXXX XXXX The amounts rounds up to about 6.000 thousand dollars for both charges., I have asked CHASE FRAUD numerous times to drop the charges because I was a victim of a fraud, but they insist that the charges were legit, that they emailed me about the charges being done, but the email address was not current., they did not called me to my cell phone or texted. They have limited themselves to send me a letter, confirming the charges and nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Bread Financial Holdings, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I contacted comenity bank and paid my balance in full and requested account be closed. I asked them not to contact me anymore. 

Comenity bank has done the opposite. 
They have left my account open and are continuing to charge me fees. I have documentation of the interactions and am on the phone with them now. 

At this moment the rep is stating she has. has gotten rid of the additional fee and closed the account but will not send me an email to confirm this. Finally after I pressed her, She gave me a confirmation number which I don't trust because, she was unable to send a confirmation email attesting to what she did to change my account. 

When I go online they still have my account open like none of this ever happened a month ago. They have yet to send me confirmation of account closure or reversal of a {$2.00} fee. 

They told me that 24 hours needs to pass before I get a confirmation letter/email. I believe this is a lie since I am attaching documentation of the lie told by another rep stating may account was closed last month. 


My account remains open. 

I do not recommend this card for anyone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-02
Company: SLM CORPORATION
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/18 at XXXX XXXX I received a call from XXXX XXXX representative XXXX XXXX. I have sent two letters in the past asking that XXXX XXXX only contact me by mail, and to cease other forms of contact. However, XXXX XXXX is continuing to call me. I understand XXXX XXXX has a right to try and collect the debt I owe them, however, they are supposed to respect my right to have contact through the mail, which is stated under the fair credit reporting act. Additionally, I am already sending them what I can afford, and those checks are being cashed monthly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been struggling for six months with the chase slate credit card. The staff or employees regarding the chase slate credit card denied multiple attempts to pay the credit card and falsified my information regarding my bank account method used to pay the bill. I have been trying to escape the billing cycle for over six moths with many unreasonable late fees and late fee adjustments that I don't deserve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: NY
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:
Hello i've sent dispute letters to XXXX, XXXX, and Experian this is the fourth round of letters i've sent out and disputed without any results. My last round was sent out XXXX XXXX. It's been over 30 days and nothing has changed. These items are not mine and are hurting my credit status as im trying to purchase a new home in the near future, thanks. 
Creditor : XXXX XXXX, Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXX7Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX  XXXX Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX  - XXXX Inquiry from XXXX XXXX SERVICE, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXX Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - 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 2023-06-22
Company: EQUIFAX, INC.
State: OH
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:
I received multiple calls from a debt collector which I am unaware of the debt which I also explained to the representatives of the company.But they insisted that I make a payment which I was very uncomfortable with there approach. I would like for the collection to be removed/deleted from my credit report. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: AppFolio, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I have been paying my rent monthly to my landlord via Appfolio, an online portal that helps tenants pay rent and other charges online to their landlords. Starting XX/XX/2023, when I went to pay my rent in advance, there was a {$2.00} transaction fee added to the total. I called my landlords, and they said that Appfolio sent out a notice claiming this fee will be added onto all online rent payments starting XXXX ( I never got this notice ) and the fee is going directly to Appfolio and my landlords can't change it. I can avoid this fee by delivering or mailing in a rent check. However, this fee is ridiculous - online payment of rent is common practice, and passing a " transaction fee '' cost to the rent is unreasonable! I am not a customer of Appfolio- I am a customer of my landlord, and having an online portal for paying rent has helped save me time and stress! Now I have to make a monthly trip to my landlord 's office to issue rent in order to avoid this fee. Additionally, Appfolio 's service didn't improve at all over the past 18 months I've been with this landlord. They are increasing the cost of their service without necessarily increasing the quality of their service. It's very clearly a junk fee and just an additional cost to consumers and renters for no reason. Additionally, this transaction fee is PER transaction e.g. if a renter needs to pay their rent in 2 payments, they would be charged {$2.00} for each transaction. It's completely dismissive of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: A-L FINANCIAL CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Last month XX/XX/2023 I attempted to make the payment. I was told I needed proof of insurance which I provided. They refused the payment even though it was on time and car is current. 
XX/XX/2023 XXXX I am trying to make my monthly payment and they refused it. Simple. I just want to make my payments. 
This affects my credit. When I call they are rude and disrespectful towards me. Im cursed at etc.

After some research this appears to be a common theme. This is not ok. 
I am told my car is already submitted for repossession. 
The bank is A-L Financial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 6th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following accounts need to be removed as they are fraudulent. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$220000.00} and XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

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