BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-21
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:
I have called XXXX and Transunion and have sent a multiple inquiry letter to both of them to remove all fraudulent inquiry 's off my report and I got the general card response that inquiries are factual and will stay on my report for two years. I have had a fraud alert placed on my credit file to ensure no credit is issued without contacting me. I explained to the Representative XXXX in the fraud department with XXXX and XXXX with the fraud department of Transunion that I had no knowledge of these inquiries as they are not tied to an account and I did not authorize those inquiries but I was told they are factual & they will not dispute them. XXXX with Transunion was VERY rude as I asked her to transfer me to a US special handling Representative she lied and said she could not transfer me and said she would hang up in my face if there was nothing else I needed. I believe Transunion and XXXX practices unfair procedures and I know for a fact that they do n't investigate anything wheather it 's inquiries or a account that 's reporting incorrectly.

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 2017-06-21
Company: Experian Information Solutions 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:
I would like the following inquiries removed from my credit report. I do not have knowledge of allowing them to check my credit. XXXX Creditor Name/date of inquiry XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX Creditor Name/Inquiry Date XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian Creditor/date of inquiry XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2019-02-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Have been a customer of Chase XXXX XXXX Visa since 1991. Had maintained a large balance over the last 10 years, approx {$30000.00}, and was paying 23-27 %  interest on this balance. Evidently I was late for 2-3 payments, and Chase decided to close my account. Unfortunately, they did not NOTIFY that they were doing this. Chase was willing to charge me inordinate amounts of interest on my outstanding balance for years, especially the last 10 or so year, and with out notice or good reason, canceled my account. 

I called to inquire as to the reason for this, and they told me it was " systematic '' The account was automatically closed. Given the situation and the lack of notice, I feel this beyond unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account was overdrafted $ XXXX dollars and I can not get into my account. I had no money in my account and I was constantly over charged.

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 2018-10-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Toyota Financial has threatened me with collections despite my disputing their billing at the end of a lease. The car was turned in, the account was closed, and I was told I had fulfilled all contractual obligations. Then they sent me US Mail with additional bills and began calling my cell phone. I am XXXX and do not use voice telephones. A caretaker answered several times to tell them to send me email or a fax and they refused. She told them to stop calling and they refused. She asked for accessible contact information for them, and they refused. She requested they send their recording of the phone call to their general counsel for redress, and they refused. Additionally, I contacted them on XXXX chat and on XXXX and they refused to provide any documentation for their billing whatsoever, and also refused to give me accessible contact information. I was able to log into my old account and send an email once again disputing the amount and once again asking for accessible contact information. I received no response, and my ability to email them or read email on the portal was disabled. 

Toyota Financial is in violation of Title II of the ADA, the FCRP, Section 508 of the Rehabilitation Act,  and my civil rights. They refuse to provide any access to legally required dispute processes, or even contact information. I can interact with them via fax, email, online chat, secure email via login portal, etc., but still they refuse to provide any contact information whatsoever. Their threat to turn me over to collections and cause me financial damages with no ability for me to even use my legally mandated remedies is ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been using Capital One 360 bank for a few years now and everything has been great. A little over 2 weeks ago my 3rd party accounting apps started to be blocked by Capital One 360. I have been working with both sides ( Capital One ) and the 3rd party accounting applications to try to pinpoint the issue. Capital One confirmed that they have issues on their end and have a team dedicated to the issue but I only get this information from them at certain times. The rest of the time they either say there is no issue or that they're not allowing some 3rd party apps to access their data for security reasons. When I present this information to the 3rd parties they claim that Capital One may be trying to intentionally block some 3rd party apps to drive traffic to preferred vendors. If this is the case, which I can not confirm myself without some help from an enforcement agency, then they are breaking rules. I have the right to access my data through whichever vendor I choose, not just the big ones.

The two cloud accounting applications that have been affected on my end are XXXX XXXX and XXXX. XXXX partners with a data provider known as XXXX and XXXX uses one called XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid EOS on XX/XX/XXXX for my XXXX XXXX collection. As of XX/XX/XXXX, XXXX is still reporting the account as owed for {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Diversified Consultants Inc Account # XXXX has placed a debt on my credit file fraudulently and it is negatively affecting my credit. I have written this collection agency numerous times asking for VALIDATION of this debt with no proper response to my request under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. The amount that is said to be owed {$950.00} I have no knowledge of this debt  and would like it removed from my credit file as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hello y'all : I live in XXXX , Georgia . And I signed up and received a credit card from Chase ( XXXX XXXX XXXX ) who is a premium credit card with a annual fee of {$450.00} per year, with the benefit of having some benefits out of it. 

One of the peeks when I signed up was the Purchase Protection ( meaning that if I had bought something with the credit card and the item ( s ) got stolen, I could claim under certain conditions ) I could ask for the insurance company ( Credit Card Service ) to repair/repay for those purchases made using my credit card. 

Well, I started doing my XXXX degree in XXXX XXXX and I made the purchases that I needed for my classes using my credit card the first week of XX/XX/2018 using that credit card. 

I got robbed almost 3 weeks after that and I reported to the police. I submitted a claim for less than XXXX US $ with my 'insurance company ' who I used my credit card, confident that I will get at least my money back to buy back again my things. 

Well they declined because out of all the receipts, there is one for {$400.00} that they couldn't verify ( An XXXX receipt that instead of being some electronic thing, it was some groceries, still on my name but enough for them to decline it ). 

I asked them not to honor the electronic device and move forward to the other already verified receipts. They declined. 

Well, 6 months have passed now and XXXX XXXX XXXX refuses to pay for it, with one of their customer services telling me that 'it was because of the amount I was claiming '. I know the amount I am claiming, I got robbed. I sent them police report, receipts, I withdrew the only receipt they had issues with, they have their employee recorded saying that it was, in part, because of the amount of money, for 6 months I have being told that an examiner would call me -never, until this day, I had talked with an examiner before-. 

I used my student loan to buy again my material for my XXXX Degree, confident that Credit Card Services and Chase will honor the insurance I got promised, but they refuse. I desperately need help of the government to force them to honor their part of the bargain.I have never been past due, I have never missed a payment with them, but the interests are killing me and I want to use the money of the insurance to decrease my obligations until next year that I get to the US and I get to work again -if not I am going to have to declare bankruptcy, I can not work here-. 

Please, I beg you, I beg you, help me. 

XXXX XXXX XXXX +XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent out a dispute letter to Transunion in regards to inaccurate reporting on my credit report on the XXXX XXXX credit card account. By law, according to the Fair Credit Reporting Act ( FCRA ), I should have received a response within 30 days or less which I never received. On XX/XX/2021, I sent out a demand to comply letter to remind Transunion to respond to my dispute letter and I still have not received a response to date.

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 2018-07-05
Company: DISCOVER BANK
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
on XX/XX/XXXX I made a payment of {$2700.00} to Discover student loans to pay off my student loan. On XX/XX/XXXX the money was puled out from my XXXX XXXX account for the amount of XXXX Discover student loans only applied the payment for {$50.00} I called and they said it would be resolved. 
I have been calling Discover for 2 months to get this problem fixed. At one point, they even sent me a letter and applied the payment on XX/XX/XXXX, On XX/XX/XXXX they reversed the payment, saying that maybe the money was sent back to me via ACH. I sent them copies of my bank statements proving that it had in fact not been sent back to me. 
I spoke them them again of the many times, they said they found it and they now a system error was preventing them from applying the payments. 
Every time I call I have to explain the whole thing over, I have spent a grand total of 8 hours on the phone of two months trying to get this resolved, that is a full day of work, not to mention the emotional distress, I've been hung up on, calls not returned, interest not earned on money in my saving account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I spoke to the company that sold my loan to the company XXXX XXXX. They directed me to call the company and lodge a complaint. The company charge a fee which they refer to as a processing fee after the fourth of the month. {$10.00} when you pay online, {$12.00} when you pay by an automated phone call and {$15.00} when you talk to a customer support person to make the payment. This reeks of a penalizing action on the part of XXXX XXXX. It is unfair as throughout the country mortgage holder have until the XXXX of the month to pay without penalties, and since they are telling me that if I pay by the XXXX of the month there is no penalty or processing fee then these fees can be viewed as a penalty. 

When I called and spoke to the company I was told that if I set up autopay there would not be a fee even if I paid on the XXXX of the month, it would appear that these penalizing fees are meant to be coercive so that customers will fall in line and sign up for auto pay. 
I am not happy about this and am asking for your assistance in this matter. 

Thank You 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 2019-02-20
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
There are too many dates to list that they have delayed/rejected/improperly handled turning in and approving my IDR request, most recently NOW. A year ago they did the same thing. Everything, including bank statement and pay stubs and request, is rejected without reasons. Every time this happens I am in deferment and, of course, this eats away at time I may need later on in time of true need. I also have issues lowering my payment. My household is paying mine and my husbands loan off and we literally live paycheck to paycheck. Calling is no help ... they don't even understand what I am saying and have no answers. Last year I couldn't even get it straightened out, to the point of taking almost the entire year till I had to recert again. My doctor is saying t hat after analysis of my life style that the greatest stress IS my student loans and the inability to get assistance. PLEASE help me! I have no idea what to do. I am at the point of looking for a class action lawsuit so that I can get some relief!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fair collections and Outsourcing is trying to collect on a debt not owed to them. On mine and my wife 's credit report is an account from them stating we owe {$600.00}. A letter was written to them asking to provide validity of proof of what is owed with our signatures and we never got a response, just letters offering a settlement for half the amount and an update to satified in full on our credit reports. The account we do not acknowledge.

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 2021-04-24
Company: DISCOVER BANK
State: NY
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 customer service

Complaint:
I paid for prepaid credit to establish and build a Fico score while paying bills. It was taking Discover card so long to send a card after the payment that I told them to not open the account. I was told that I have no choice but to wait for the card. I began using it last month. In that month I paid as many bills as I could continuously making payments but Discover card was too slow in updating my transactions. This caused a double payment that left my bank overdrawn. I fixed it. That same payment went through again days later to Discover and probably remade by Discover and I fixed it again then making a smaller payment and taking care of the bank fee again. Next I was locked out from my online access to view anything while other payments were being declined when I have available credit for them not to have been declined however I dont even care about that. Im still locked out from my online access and have had to take care of other bills outside of using the Discover card. I need to for my personal records and business of my own view my own transaction records to know what was purchased and when but am disallowed. At this point I am deeming them as useless wastes of my time and setbacks. Bad business. Im demanding that they close my account and they are refusing to. Its all prepaid, my own money that I want put back into the account that they take money out of in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: JPMORGAN CHASE & CO.
State: MI
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:
Hello, I was an authorized user on a relative chase credit card and had asked to be permanently removed from my credit report which they agreed and also have that address removed from my report as I am no longer staying there. For some reason it is still showing up. Just looking to have this corrected and moved from all credit reporting company 's as promised

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX & XXXX XXXX ) 2. ( XXXX XXXX XXXX & XXXX XXXX ) 3. ( XXXX XXXX & XXXX XXXX ) 4. ( XXXX XXXX XXXX   XXXX  & XXXX XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2021-08-06
Company: Javitch, Block & Rathbone LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I set a payment plan with javick block on an acct I have and they take it amount not a medically eight month out of my checking acct I have tried and tried to contact them about the payments they take out I have called for times XX/XX/30 XXXX XXXX and XXXX I cant reach anyone I have set on hold 20-30 min I have left 3 messages for a return call XX/XX/30 XXXX XXXX and I leave my nAme number ss # and never hear back from anyone I just have questions about my payments I am trying to get a balance and a print out of my payments made for my records I never even received a letter showing my payment plan this is an issue because if they can take my money they should provide me the documentation I am asking for

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 2020-06-22
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2019 XXXX IC systems totaling {$350.00} I asked they send it back to XXXX . So I can make the payment to them. I never received a bill from them. I asked they mail me a copy over email.

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