BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-15
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On or about 2018 I took an installment loan from Tower Loans in XXXX Mo at said time they added on a product " involuntarily unemployment insurance '' as I was a fulltime employee that was unfortunately laid off from my employer I submitted a claim and the insurance company refused to pay out I was told by a corporate entity Regional Director and District Manager I was now a fulltime employee with full benefits vacation etc however when I submitted my involuntary unemployment insurance claim the company refused to payout stating I was seasonal although what my employer filled out clearly said laid off due to " lack of work '' not seasonal as Tower Loans and their insurance provider alleged and this decision has put me and my family in a " economic hardship '' and I am unable to pay said loan I intend to file a counter suit if Tower Loans files suit against me they also have violated the FCDPA by contacting my family otherwise know as a third party and disclosing my loan amount and information about my loan to them causing me irreparable harm they need investigated and action taken against them DO NOT get a loan from Tower Loans they sell frivolous insurance and shame on them! My Counter Suit will cost  Tower Loans tremendously. They need to charge off and leave me alone or face court countersuit

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 2023-04-12
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX  I received a text from " Chase Bank '' asking to verify that a card usage was me I replied no to the text and I got a call from a " Chase associate '' I gave them my card number, pin, and social security number to verify my identity. I talked to this person over the course of two days and they locked me out of my account when I tried to log in I got a pop-up stating my account was locked due to suspicious activity XX/XX/ I started to get suspicious of this person when they did not call me back when they said so I called the number on the back of my bank card at the same time I tried to log into my account again and my account was no longer locked and I noticed that {$5600.00} was taken from both my checking and savings account ( {$3.00} from checking and {$5600.00} from saving, my accounts were completely drained ) I informed them of what happened and they issued me a temporary refund XX/XX/ Also on XX/XX/, I filed a police report for identity theft and the money stolen from my account XX/XX/XXXX  Chase Bank notified me via electronic letter that they are reversing the temporary refund because they do not believe that I did not authorize these charges I called the claims department and spoke to the supervisor who told me she would reopen my case to try and get my refund but there is no guarantee

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-11
Company: Experian Information Solutions Inc.
State: PA
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:
Report # XXXX I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify my accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, Under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information that can not be verified, that I have disputed, Please resolve this matter as soon as possible. 

Thank you

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 2017-12-12
Company: Kriya Capital, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company : Credence Resource Management This company contacts me from various numbers and blocks their identify when they call. I have noticed they use a pattern when they call me so I 've been able to add them to a block list, but they are relentless. 

I have spoke to the company and they were going to set me up on a deferment due to loss of job ; however, they never completed this process and now will not provide me with that ability. 

They call me from the following numbers and never identify themselves or leave messages ; XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX ( Asked rep to send me copy of debt ), XXXX XXXX ( Same Rep called back just to bother me because I hung up on them for not identifying themselves to me. They stated they will put me in the system to get more phone calls since I 'm not wanting to pay my debt in a timely way. ), XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX ( Spoke with their Rep and told them about loss of job and they stated they would make notes and set me up on a deferment, but they never did ), XX/XX/XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-30
Company: FinCo Services Inc DBA Current
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I went on a trip with family XXXX XXXX until XX/XX/XXXX and vacationed at XXXX XXXX XXXX XXXX XXXX. Upon checking in, per the hotel policy, they would authorize my card for the full amount of the reservation ( {$1900.00} ) and at check out I can choose to pay with cash or use the card on file. Well at checkout I paid with cash and was provided a receipt stating so. After about a day or so, I noticed that the amount of {$1900.00} was no longer pending in my " Current '' cards transaction and it changed to a normal purchase. Assuming it was the fault of the hotel i contacted the XXXX XXXX XXXX XXXX XXXX XXXX in regards to the " authorization hold '' and they said that sometimes it can take up to 3-7 business days for the charge to disappear. I waited the full estimated 3-7 business days and per the hotel, the authorization had been released and the offered to email me the receipt of my stay which states cash and stated that there is no longer anything else to do on my their end. Before disputing the charge i contacted " Current  '' about the transaction and asked if there may be an additional delay on receiving back the " authorized '' amount. Even after telling them that i spoke with the merchant they told me to contact the merchant again. so i did so. Got in touch with the corporate office after a few days and again received the response that the amount had been released and should already be available to me. i contacted " Current  '' again about the merchants response and i received a disconnected chat! they have no answering service to speak with someone unfortuanetly. i contacted them again and was directed to file a dispute. I filed the dispute on XX/XX/2020. waited a few days and then checked with " Current '' for an update, they stated that a dispute can take up to 90 days and with 10 business days i MAY receive a temporary credit. Lastly, submit any supporting documentation. I submitted that documentation on the same day which was XX/XX/XXXX. I have waited the full 90 days and still NO response. i have been contacting them for the past few days and they say they dont have an update on my dispute even though it is past the required time to have a dispute resolved. We are now at 110 days AFTER filing the dispute i have provided my receipt and still have no refund and i am reporting this company for theft of my money or failure to communicate any dispute results with me. The amount of my dispute is {$1900.00}. 

XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX Inquiry  Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2021-03-26
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In the summer of 2019, Discover Card put balance on my account of {$10000.00}. 
There is no origin or where it came from, I have contact them 30 times, spending sometimes 2 hours on the phone with a manager. Even though they tell me they will investigate and call back, no one does. I have written letters, requested they provide me written documentation on the origin of the balance that appeared on my account but crickets. No one has ever responded. The only thing I know is they call it a ghost balance. It doesnt appear on my statements. All my payments since then only are applied to the GHOST balance so my balance of {$11000.00} keeps growing because all my payments of {$400.00} are never applied to my real balance. I requested a ledger of the payments, I keep requesting an explanation, documentation and terms but I don't get any information. I keep asking for the origin of the money and how it landed on my account. I have paid {$400.00} to {$600.00} payments for 20 months and it is going towards a mysterious balance they won't tell me how it appeared on my account. If you call discover, all the people say they have heard about a ghost balance but there is no information they can resource or explain, it is a white elephant. 

I have a credit score of XXXX, my credit score is at the forefront of my mind. I pay my bills. 
I have never been involved in a lawsuit. No one has ever sued me. I don't have any pending litigation or nefarious dealings. I don't have credit debtors after me to collect money. There is nothing that this would stem from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Experian Information Solutions Inc.
State: NJ
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:
After opening a secured credit card with XXXX XXXX XXXX, I was informed that my account had been " charged off '' after being just 30 days late. Since being originally notified of this, I have attempted 8 times to get accuate information reported on my Experian, XXXX, and XXXX reports. 
1 ) Problem # 1 : the amount reported was {$460.00} which was incorrect as I deposited {$300.00} to secure the credit ; this was updated. 
2 ) Problem # 2 : never being told what a charge-off meant and only that my account had been closed, I did not know what my options were ; then, I received an offer of settlement letter for {$120.00}. 
3 ) After contacting XXXX  XXXX XXXX re : the settlement, I decided to instead pay the full amount with the assumption that the account would be marked as Paid and Closed. 
4 ) Since then, XXXX has submitted 8 contradictory reports of this event and none of the agencies found the contradictory info alarming. 
5 ) Account Status has been listed as everything from Paid, Closed, Charge-Off, to Open 6 ) The data of the Charge-Off has changed from XX/XX/XXXX ( date of 30 day delinquency at which point account was closed ) to XXXX - XX/XX/XXXX to XX/XX/XXXX to being removed altogether for a 30 day mark in XX/XX/XXXX. 
7 ) The paid in full date of XX/XX/XXXX has been reported, but than changed to Charge-Off, Failed to Pay, and CLS 8 ) Status has continuously stated Account written off for {$460.00} when highest balance was {$160.00} and paid. 
9 ) Comments continuously state account closed by creditor when it was closed after payment. 

The lack of accountability and the fact that in a situation where a creditor provides different contradicting data 8x the consumer does not get the benefit of the doubt is troubling. 

This acount never reached 180 days late as required for a Charge-Off, I paid the full debt once notified of the option, and yet I still have a damaging notation on all my reports. This should be completely removed at this point, or at minimum changed to : 1. XX/XX/XXXX - 30 Days Late 2. XX/XX/XXXX - Paid in Full ; CLS 3. Status : Pays as Agreed ; Paid, was past due 30 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not recognize this debt, amounting in {$1200.00} reported to XXXX & XXXX but not to XXXX. Which makes this collection inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: ALLY FINANCIAL INC.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I just spoke with Ally Bank about fees for more than six transfers from my savings account. I understand the Federal Reserve Board suspended Regulation D due to the pandemic. However, Ally bank informed me by telephone that on XX/XX/XXXX, they resumed imposing fees for excessive transfers and provided no justification for this.

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 2018-12-15
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:
Someone used my information to fraudulently open a utility account with XXXX XXXX. It is now reporting as an unpaid account on all three credit bureaus. It was opened in XX/XX/2016 when I was just a minor.

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 2020-09-03
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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DPT ED/XXXX  XXXX**** DPT ED/XXXX   XXXX**** DPT ED/XXXX  XXXX**** DPT ED/XXXX  XXXX**** XXXX XXXX XXXX XXXX XXXX   XXXX**** XXXX  XXXX**** XXXX XXXX XXXX XXXX   XXXX**** XXXX/XXXX  XXXX**** XXXX  XXXX**** XXXX  XXXX** XXXX XXXX XXXX XXXX XXXX****

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 2021-11-02
Company: EQUIFAX, INC.
State: IA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX - CARD SERVICE Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Netspend Corporation
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
netspend made too many excuses why they dont want to shut my account down one reason is so they can steal from 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 explanation
Consumer complaint received 2020-07-24
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XX/XX/2020, I purchased concert tickets for a total of {$740.00}. Concert was cancelled and the credit was posted to my account with Chase. 

On XX/XX/2020, I had paid off my balance of {$1700.00}. Yet 2 days later when my credit was posted they deducted it from my balance I had, even though that payment would not be due until XX/XX/XXXX. Those monies are owed to the 6 different people that purchased tickets and I need it to reimburse it to them. Chase should not be able to keep my money since I had made my payment, in full, 2 days earlier. 

I talked to supervisor, XXXX, and was told that that's what my agreement states. I feel that it is not legal for Chase to have access to my return. By doing so, it would make 2 payments made to them within 2 days. 

I need a check for the credit that was given to me so that I'm able to return monies to different parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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