BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is a complaint against timeshare XXXX XXXX. I can't remember the names of their employees I spoke with but all of them claimed to be something other than a salesperson and that they're not working on commission. They told me I can definitely make money from this timeshare by either renting it out and/or resale because according to them, the resale value would go up. They also said it had some tax benefits similar to owning a second home. They offered us gifts such as {$200.00} credit card, trips, etc. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. Everything felt rushed because they didn't even allow us time to read through the contract. We didn't know how to cancel, they never properly educated us regarding cancellation, like how many days to cancel and such. We experienced financial difficulty caused by this timeshare, earnings lost and inability to keep up payments based on our income. They repeatedly calling us for payments, I even lose sleep over the stress of the timeshare. I'm old, I'm already at my XXXX 's and already have some medical conditions and having this timeshare only makes it worse, it doesn't even help me relieve stress at all. We felt like our age we're taken advantage of. They lied about maintenance fee, they lied saying we can resell and other sales tactics. As old people, we felt like we were taken advantage of, they used our age to defraud us.

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 2019-10-21
Company: Experian Information Solutions Inc.
State: OK
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 have submitted identity theft report, they chose to fix some issues and ignore others under FCRA 611 ( 15 U.S.C 1681i ) they are to re-investigate. i have attached the report and some of my credit report to be investigated, and have circled the one i believe are not mine.

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 2023-03-29
Company: SANTANDER HOLDINGS USA, INC.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I requested for a Validation letter never received! They are trying to collect on a account they sold to another company without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
For over two months, I have not been able to access my bill pay account through my online bank, Capital One. I only have full access to my bill pay through my desktop browser, not my mobile which gives limited access. It is the desktop that is not working, but has the full access. Each time I have tried to access my bill pay through my desktop, I receive the same messages " Oops, we've hit a snag! Looks like we ran into a snag displaying this account, but we're working on it. Please try again in a bit. '' and " Oops, we've hit a snag. 
We ran into a snag trying to retrieve your account details, but we're working on it. Try again in a bit, or give us a call at XXXX. '' This has consistently been the messages I receive when I try to enter my bill pay. I have called customer service on a number of occasions and have been told that they are aware of the problem and are escalating it. I have been into the internet cafe for assistance. I have sent emails. All to no avail. Since this is an online only account, I do not expect to wait this long to have a resolution to this electronic problem. I am now highly suspicious that the bank is discriminating against me for some reason and is trying to shut down my account by inconveniencing me. When I have spoken with customer service, they direct me to the mobile site, even though it offers different and inferior access. It does not allow me to enter recurring payments or to get details of merchants that are listed for payment. For instance, I can not see account numbers to make sure I am paying the right amount to the right merchant when I have more than one account with a particular company. In fact, I tried to pay some insurance bills today, but because the mobile site doesn't tell me which of two accounts I am paying, and each needs different amounts, I can not tell what I am doing at all. Since I have waited over two months trying to deal with this bill pay problem and with no effort from Capital One to reach me to resolve this matter, I am convinced they have no intention of doing so. 

As someone who has been a customer for over 12 years, without prior problems, I would like to know why Capital One is making it so difficult for me to use my account so that I am forced to shut it down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Experian Information Solutions Inc.
State: UT
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 not received any responses form Experian, XXXX nor XXXX. I have sent them everything they need, and I have received no response. They are required to respond to my disputes in a timely manner.

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 2020-06-30
Company: Experian Information Solutions Inc.
State: MO
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:
Im demanding that the following unauthorized accounts be removed from my credit file. These accounts are an direct result of my identity being lost and compromised. Please remove the following. 

1 ) XXXX XXXX XXXX {$590.00} 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX  4 ) XXXX XXXX XXXX 5 ) Dept of EDXXXX XXXX {$31000.00} 6 XXXX XXXX XXXX 7 XXXX XXXX 8 XXXX XXXX 9 XXXX XXXX XXXX XXXX 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 2021-05-18
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021, I was informed by chase bank customer service that chase has decided to close my checking account and that the funds available in my checking account will be mailed out to me. I asked if I could go inside a branch withdraw my funds instead, the representative informed that : yes I could just go inside the branch and withdraw my available funds if I didnt want to wait for a check to be mailed out to me. 

So on XX/XX/2021, I went to the branch to withdraw my available balance. The banker called their back office to see if it was okay to give me my available instead of waiting for a check in the mail, since the account is pending closure. 

The back office declined to give me my available balance under the pretense that there are several claims waiting to be finalized on my account. And they will not release my funds until the claims are finalized. 

However the claims amount is way less than my available balance. 
Claims amount : {$1500.00} Available balance : {$6000.00} I suggested that they keep the claims amount XXXX {$1500.00} XXXX until the claims are finalized and release the rest of my available balance XXXX $ {$4500.00} XXXX immediately and the bank still refused. 

Chase bank is holding my money for absolutely no reason. My money is legitimate money that I personally deposited into my account sometimes either by cash, checks or direct deposit. 


So I dont understand why chase is holding my money hostage in these hard times that we are experiencing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
U
nder the new law effective XXXX XXXX, 2017 any public record data must include Name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports with XXXX, Transunion, and XXXX.
The Bankruptcy identification number is : XXXX US Bankruptcy Court XXXX, Georgia 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 2017-10-05
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX creditor, revolving charge account is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. XXXX XXXX has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my Revocation of Signature for Cause. I have written several letters to XXXX XXXX to resolve this matter.

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 2017-10-05
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
OUT OF THE MILLIONS OF BANKS WITHIN THIS ENTIRE WORLD, YOUR J. P. MORGAN CHASE BANK HAS TO BE THE MOST XXXX ; THE MOST ANTI XXXX XXXX XXXX ; THE MOST ANTI XXXX ; THE MOST ANTI XXXX WITH XXXX, AND ETCETERA,  SO-CALLED BANK WITHIN THIS ENTIRE WORLD!!!!!!!!!!!!!!!!!!. 

ON OR ABOUT, XXXX XXXX, 2017, YOUR J. P. MORGAN CHASE BANK HAD WRONGFULLY CLOSED MY CHASE CHECKING ACCOUNT. YOUR J. P. MORGAN CHASE BANK, AFTER NUMREROUS ATTEMPTS, COULD NOT ORDER AND SUCCESSFULLY MAKE PERSONAL CHECKS FOR ME WITHOUT ANY MAJOR MISTAKES, INCLUDING, BUT ABSOLUTELY WERE NOT LIMITED TO : THE PRINTING OF THE CORRECT CHASE BANK 'S CHECKING ACCOUNT NUMBER ; THE PRINTING OF MY FULL LEGAL NAME ; MY LEGAL MAILING ADDRESS, AND ETCETERA, ON THEIR PREVIOUSLY ORDERED SO-CALLED, J. P. MORGAN CHASE BANK 'S PERSONAL CHECKS!!!!!!!!!!!!!!!!!!!. NEEDLESS TO SAY, I HAD TO HIRED ANOTHER COMPANY TO PRINT, AND TO MAKE PERSONAL CHECKS FOR MY SO-CALLED, J. P. MORGAN CHASE BANK 'S PERSONAL CHECKING ACCOUNT!!!!!!!!!!!!. NEEDLESS TO SAY, AFTER YOUR SO-CALLED, J. P. MORGAN CHASE BANK HAD REALIZED, THAT I AM A PROUD PRACTICING XXXX, THEY ALL HAD DECIDED TO TOTALLY ILLEGALY AND TOTALLY UNLAWFULLY AND TOTALLY RACISTLY AND TOTALLY MALICIOUSLY, AND ECETERA, TO IMMEDIATELY CLOSED MY J. P. MORGAN CHASE BANK PERSONAL CHECKING ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2021-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America charged associated checking account # XXXX a {$35.00} overdraft fee on XXXX difference in balance due to their manipulation of when items are debited. Bank of America reverses dates and applys debits to the account in a way that would compromise the available funds in the account necessary to cover debited items. 

Enough funds were in my account at the time of my last debit, which was for XXXX. XXXXXXXX XXXX on XX/XX/XXXX. At the time, my card was not declined meaning there was enough money at the time of purchase to cover the debit. 

Somehow I am now charged {$35.00} on {$.00} overdraft somehow. It does not make sense. 

For example, the debit to XXXX XXXX was taken out of my account on XX/XX/XXXX because that is when my car payment was due. Somehow it is now scheduled as a XX/XX/XXXX debit, however, that is not when the money left my account. 

The {$40.00} credited on XX/XX/XXXX was actually credited on XX/XX/XXXX, as I was in XXXX XXXX on XX/XX/XXXX. Since XX/XX/XXXX was a Monday, and I work in XXXX and live in XXXX, I have no reason to be in XXXX XXXX on a week day. 

Bank of America is using tactics to cheat clients, and think all clients must be dumbasses.

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 2022-04-05
Company: Advanced Resolution Services Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am, XXXX XXXX XXXX, a natural-born life breathing consumer submitting this complaint to ADVANCED RESOLUTION SERVICES INC. , and there is no third party involved. ADVANCED RESOLUTION SERVICES INC., has violated 15 U.S. Code 1681b ( 2 ) by furnishing these inaccurate items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different among all three credit reporting agencies. I ALSO, DEMAND ADVANCED RESOLUTION SERVICES INC., VERIFICATION METHOD. WITHOUT RECOURSE. 
I HAVE WRITTEN YOU ONCE, AND YOU FAILED TO REPLY CLOSING THE CLAIM FRAUDULENTLY, IF YOU DO SO AGAIN I WILL FILE LITIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding continues to pursue a debt i do not owe. Ive asked them for the original contract between me and them months ago. And still one hasn't been produced. Also XXXX XXXX, and XXXX  continue to report this and ive never given my written consent to furnish my information. 
According to USC 1681 ( b ) a consumer reporting agency can only furnish something in accordance with the written instruction of the consumer to whom it relates. 

1. LVNV Funding XX/XX/19, XX/XX/19 2. XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Financial Business and Consumer Solutions.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Got letter from FBCS that was dated XX/XX/21 stating I owed {$290.00} to XXXX XXXX. 
I called my dentist and they said I have no account balance with them. 
I called FBCS and tod them I spoke with the creditor listed on the letter and I have no balance and all she said was ok and did I wan na make arrangements to pay? 
This is lowering my credit score for a debt I don't have or owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Attached are the images supporting my description of the problem : I received a letter from Diversified Consultants, Inc dated XXXX XXXX XXXX on the XXXX of XXXX XXXX. It said if I did n't contact them within 30 days they " assume the debt was valid ''. 

I called them on XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I refused to give them the phone number I was calling from, my DOB, my SSN, my email, my mailing address or any verifying information other than the account number with their institution. I was told that without additional information they could not help me. 

It is a falsified debt. I refuse to agree to allow them to XXXX from me. This is illegal and against the rights of an ID Theft victim. 

This XXXX XXXX XXXX XXXX' is totally bogus and a scam. Saying I " May '' be eligible for a XXXX} credit card from XXXX XXXX XXXX. " Click here to complete a survey and you may receive ... .. '' These are electronic theft tactics. 

This is the third debt collection agency who has submitted a falsified debt for a " XXXX XXXX XXXX ; however the email from XXXX XXXX XXXX XXXX division, dated XXXX XXXX, the day after I received the email the account was opened, XXXX, which states it is fraudulent if it is NOT sent to an XXXX XXXX XXXX' domain -- - then I do not have an XXXX XXXX XXXX account. They gave explicit instructions and I followed them. I have enclosed the XXXX XXXX XXXX XXXX Department email. Perhaps DCI would be wise to read and follow their instructions for discerning " real '' vs " fake '' XXXX XXXX XXXX accounts in the future before threatening to collect and claim a " debt is valid unless we hear from you in 30 days ''. I hold no malice against XXXX XXXX XXXX. They are a fine XXXX XXXX organisation If I had an XXXX XXXX XXXX XXXX account, the email would NOT have been sent to a XXXX email account. Communication would have been have been sent to an XXXX XXXX XXXX account. That is what I tried to tell DCI when I attempted to make those three XXXX XXXX ) phone calls to save them the embarrassment of being made to look ridiculous and lacking in fiduciary skills. They refused. To fall within their demand of thirty ( 30 ) days, I have no other recourse except to file a complaint as A FALSIFIED DEBT COLLECTION MADE BY A DEBT COLLECTOR against Diversified Consultants , Inc . 

Thank you very much CFPB for providing a vehicle to post and share our experiences so that others can learn and we can learn how to protect ourselves from these greedy people who take advantage of the internet theft and protect ID Theft victims. 

see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX trying to collect on my XXXX  account I spoke with a agent from the company on the phone she made a statement that my account with XXXX  can be recalled and a lawsuit filed against me under the fair debt collection practices it is a violation they have committed

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 2019-07-05
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls working 1 hour and also calling on legal holidays of XX/XX/XXXX They call under multiple phone numbers and also blocked / unknown phone numbers

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 2019-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Someone obtained my information and pursued to utilize it to apply for some apartments and more.

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 2017-10-05
Company: BARCLAYS BANK DELAWARE
State: OR
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:
1 ) I purchased a train ticket for XXXX 
2 ) My connecting transportation was delayed and consequently I missed the train.
3 ) I dispute the transaction with barclay, give details and wait.
4 ) After 2 months of waiting, I call Barclay and ask for an update on the dispute. 
They inform me the dispute is over and the the provisional credit is now permanent. 
5 ) 1 week later I receive a letter in the mail saying I lost the dispute and have to pay the XXXX 
6 ) I speak with Barclay twice and to a manager. They refuse to do anything for 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