BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was contacted by chase via text on XX/XX/19 regarding a fraudulent charge. I replied no and then called after Finding someone accessed my account attempting to quick pay themselves 3 transactions for XXXX, {$1900.00} and {$500.00}. All except the XXXX went through. I spoke with someone who rejected the other payments and said Id have to speak with the fraud dept in regards to the XXXX. I called after work and the rep said Id have to close my account over XXXX cents. I told her NOT TO CLOSE MY ACCOUNT. She went and closed my account while I was out dining with my family. I called the bank to complain and spoke with a manager who told me that was their process even though i told them not to close my account. 

I went to the branch the next day to reopen the account. They started a new account. I requested my funds be transferred to my new account. Then got a call that the amount they gave was wrong and I had to come back. My online access wasnt updated so I had to call and spend an hour on the phone getting that straight. Then when i was able to get my online access I found 3 checking accounts and 2 savings account. The old saving account was over drawn. I wasnt able to receive quickpays that were sent to me. All 5 payments that I had set up on auto pay were rejected because they closed my account without my consent. So I am now being charged with returned check fees. Not only that but the XXXX cents they closed for fraud, they did not return that money to me. I called the bank and they couldnt explain why I had 2 additional checking accounts, 1 additional savings, why i could not get quick payments someone sent to me, or why I didnt get the XXXX they closed my account over. Chase has caused me l severe stress and financial distress with my creditors. This is a nightmare and no one seems willing to assist. This is the worst bank experience Ive ever had.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-22
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XXXX XXXX XXXX 2018 my dog was attacked by a pitbull in an incident that left her XXXX XXXX XXXX. The vet said XXXX would be required and I did not have enough money in my savings so the vet assistants offered me care credit and gave me a pamphlet about it. The pamphlet stated that I would have 6 months interest free on purchases and afterwards a 26.99 apr rate. This wasnt too different from my other credit cards so I naively agreed to it before reading care credits reviews. I took the offer and put {$1000.00} on credit from the vet bill. I payed the minimum monthly payment the first 6 months and expected the monthly interest afterwards to be $ 20- {$30.00}. After 6 months my payments had brought my balance down to {$810.00}. Then the FIRST statement after the 6 months were up came back with a whopping {$130.00} interest charge on purchases. Bringing my balance to {$940.00}. Almost back up to what I initially owed before payments. First of all the pamphlet said the first 6 months were interest free. So either this company was overtly lying on their advertising or charged me incorrectly. Either way it is very disingenuous to not be clear to consumers as to what they are signing up for when they sign up for this card and outright predatory to do this to people who are in need of medical care for themselves or their pets. I would of happily applied for a reliable company like chase credit if I had known this would be the case.

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 2020-10-20
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2016, XXXX XXXX in XXXX GA failed to properly file an insurance claim pursuant to my office visit. I was under the impression they had done so. When they caught the mistake it was outside the window for filing a claim with the insurance company. I spoke with them many times and tried to work out a settlement. They refused to find a resolution and turned the debt over to Carter-Young, XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX. XXXX. I also spoke with Carter - Young and explained in detail the problem. Four years later I am being harassed monthly with statements even after asking for that activity to cease. All of the credit reporting agencies have dropped this from my reports except XXXX who, to date, only provided on my report that I disputed the amount, which is true. I would like for XXXX XXXX and Carter-Young to cease  sending negative information each month and to erase this debt from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Riverwalk Financial Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The original creditor ( XXXX XXXX ) had already charged off this debt and removed from my credit report. I received an updated copy of my credit report and found a collection agency named XXXX XXXX XXXX on it, stating that I owed {$10000.00} for a car that was repossessed over 4 years ago. I contacted XXXX and they have no record of my account. I then contacted XXXX and they referred me to another company named XXXX XXXX XXXX. When I spoke someone at XXXX, which said that they are managing the account for XXXX. I explained to them that this debt was charged off years and should not be on my credit report. They stated that they bought the debt and was trying to collect on it. I then stated, how can they buy something that was charged off and try to collect on it years later. I never received any correspondence or phone calls from either company XXXX or XXXX concerning this debt, it just showed up on my credit report. I explained to the representative that I do not have {$10000.00} or half of that. I was told that legal actions will be taken if I do not settle this debt. Something truly needs to done about XXXX buying and trying collect on old debts that the original company had already charged off and removed from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: TX
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:
XXXX  Equifax, and XXXX  violated my consumer rights. See attached letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'VE WRITTEN AND CALLED ALL THREE MAJOR CREDIT BUREAUS ABOUT THE INCORRCT PERSONAL INFORMATION ON MY CREDIT REPORT AND HAVE YET TO RECIEVE ANY REPONSE OR SEE CHANGES

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have called the credit reporting company ( Transunion ) and they wouldnt take care of the issue. I have 8 inquiries that are to be removed : XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX 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 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
During XXXX I had received a copy of my TransUnion credit report and noticed that it was several inaccurate accounts being reported within my credit files from TransUnion. I began disputing those negative and inaccurate accounts with TransUnion on to keep computer generated results stating that the accounts were verified. These accounts are adversely affecting my credit in various ways because the information being reported is completely inaccurate and erroneous. 

XXXX  XXXX ACCT # : XXXX AMOUNT : {$1000.00} XXXX ACCT # : XXXX AMOUNT : {$190.00} XXXX   XXXX XXXX ACCT # : XXXX AMOUNT : {$59.00} XXXX   ACCT # : XXXX AMOUNT : {$1200.00} I've also requested that my personal information be updated as well to reflect my legal name and address for delivery of any mailed per FCRA Section 623. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA 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 2020-07-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a 30 day late on my credit report for HSBC for XX/XX/2019 for {$25.00}. The payment was not late. I have a letter from HSBC stating it wasn't late. Yet it's still on my credit report after 5 disputes.. ;

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In XXXX 2015, I obtained an auto loan through Credit Acceptance for a XXXX XXXX XXXX with 69,999 mileage the asking price for the vehicle was XXXX with gap insurance included bringing the total to XXXX approximately. At the time I was deciding between two other companies for better priced vehicles with different financing terms. I was constantly contacted by the dealer through text/phones various times of the evenings to obtain the vehicle. Needless to say, I went for the deal, because I believed that the dealership had my best interest and offered me a connection with better finance company according to the dealership. At the time I was n't making much money, related to my return from a medical leave for 3 months prior. However, the loan was pushed through, and I was told by the dealer that no matter what I could and would be approved. Later on I realized why ; the finance company required a GPS device to be placed on the vehicle which was discussed after i signed the agreements and paid the down payment. If that was made known to me prior to signing, I would 've declined the offer and went to the other dealerships. I experienced much hardship with Credit Acceptance my vehicle was repossessed twice for only being 3 days late, and I had to pay the note plus an additional {$1500.00} in repossession fees, each time not included the 50-100 $ storage for belongings taken out of the vehicle. This was very humiliating and as a XXXX XXXX, I was not willing to accept this. I reached out to the finance company directly several times only to hear different explanations for the reasoning behind the excessive fees with the payment arrangements and/or repossession terms. I asked for a pay off amount and was told that the pay off was {$36000.00}! That is nearly double the price of the vehicle, and I asked for a break down of my loan and terms, the company declined to provide it to me, and one agent even said, what did I think? I knew the loan was for {$680.00} per month for 66 months! I would like people to be aware of predatory lenders such as credit acceptance, and I am looking towards filing litigation towards this company in relation to their actions which have caused me much anguish and hardship. I am a XXXX survivor and a divorced mother of XXXX small children who depend on me and I refuse to allow a company to deceive or manipulate me with these tactics.

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 2019-03-22
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XXXX XXXX XXXX called I finally answered it wasnt sure if it was a scam and they call everyday and all hours of the day including after XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22
Company: Capital Alliance Financial, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This place is a scam. They offered me a XXXX loan and said I had to buy XXXX XXXX   because of problems with my credit. They took the logo and name, XXXX XXXX XXXX, from a machine finance company in XXXX which when confronted with they denied. He then asked me to go get a XXXX XXXX card to pay the XXXX XXXX which sent up red flags. The guy I was talking to was named XXXX XXXX and his number is XXXX. I'm sure it's not his real name as he had a thick XXXX accent. They are preying on people like me who are in financial straights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX I have several inaccurate names on my credit report please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. 609 FCRA My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies I demand to see the contract, separate agreement or proof or claim affidavit for the following : 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 XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,

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 2020-06-04
Company: EQUIFAX, INC.
State: AZ
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:
After multiple attempts to resolve this issue. XXXX XXXX is repeatedly reporting an older account as a charge off. No collection attempts have been made and the reporter continues to post charge off ( CO ) notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Bread Financial Holdings, 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:
Dear Sir or Madam : This letter is to dispute a billing error on my XXXX XXXX XXXX. The amount is inaccurate because I have paid the balance in XX/XX/XXXX but it hasn't been updated since XX/XX/2018. 

I have enclosed copies of to support my claim. Please correct this billing error as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Went to Bank of America in XXXX Florida. Spoke with a banker who provided me with the phone number XXXX. I spoke with XXXX who informed me that my case was close in regards to handling my brothers estate due to another individual coming into the bank, and claiming relations to my brother XXXX XXXX. The probate team for bank of America claimed that a granddaughter claimed his assets. My brother does not have any children and never had a spouse. I provided Bank of Americas probate team with my certified documents that I have attached to this complaint. Bank of America stated that it will take them a week to verify the validity of my documentation. I followed up with them on the following Wednesday, which was XX/XX/2023 and they confirmed the validity of my documentation, but was not able to provide me with any additional explanation as of what took place with his funds and what the next steps will be. I followed up again on XX/XX/XXXX and I spoke with XXXX, who stated that they will mail me some sort of documentation. I did receive a notice from Bank of America not necessarily, addressing any of the questions asked, but stating that they have received my request and the accounts were close. The documentation did not address who the funds were provided to, no guidance on if I need to do any type of FDIC claims, and no inclination of how his assets will be retrieved. 
There are a couple of accounts that are involved a checking and a savings account at Bank of America and the account numbers are XXXX & XXXX. At this point, I feel like Bank of America is giving me the runaround and avoiding the problem at hand, which is what happened to the XXXX XXXX dollars in his accounts. I took the liberty to attach the documentation per your investigation. Thank you in advance.

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 2019-03-22
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I absolutely tryed to make online purchases with my card and it would not go through and Them I contacted JcPenny and they said they had no idea what was going on just for me to contact the credit bureaus and see what the problem was I was just very very unhappy and upset because my jcpenneys credit card payment have been in on time and it was always paid completely off and In full I most definitely would like to have my credit card back on so I can make purchases on line please and thank you very much for fixing and finding out what the problem is and my issue,.

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 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2023 My Credit score on TransUnion dropped XXXX points for a remark ( XXXX XXXX XXXX XXXX  that was disputed and removed from my credit report, but I did not receive my XXXX points back.

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 2020-12-01
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/2020 an account by the name " XXXX '' appeared on my credit report as a tradeline. On XX/XX/2020 this account was disputed with the creditor and data furnisher. Experian required a copy of my drivers license and FTC complaint before they could " block '' the tradeline from reporting. As of XX/XX/2020 I have submitted the requested documentation via experian upload documents portal online. Please reference this complaint to further explain the dispute process and results as I am affected financially by covid 19 and any unnecessary delay before my credit report is adjusted to reflect as accurate could negatively impact my household.

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 2018-04-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I signed up for a trial subscription with XXXX ( experian ) in XX/XX/XXXX. It was {$1.00} for the first seven days and then {$32.00} monthly after that. I have tried to cancel it several times unsuccesfully. When you try online they tell you you need to call. When you call they tell you the wait will be at least an hour and you will probably get cut off during that hour. I have now paid in over {$150.00} for a service that I don't use.

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