BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX, XXXX in XXXX XXXX, IL .... sent me a letter saying I owed {$610000.00} ... .on a credit card debt that was dismissed during a bankrupcty in a case that started in XX/XX/XXXX ... ..got a letter in the mail on XX/XX/XXXX ... said they were trying to contact me for years ... this was the first letter I have received ... The said they were going to sue me and get a judgement on everything I own and attach my wages ... .. I called them and they said they would accept {$3100.00}. I am XXXX years old and I do n't want to be sued ... .did n't realize at that point it was included in a bankruptcy that was filed in XX/XX/XXXX ... I paid {$300.00} to them upfront and said they would not sue me if I paid the balance in 10 days.. after that, I realized that it was included in a bankrupcty .... I called back and talked XXXX XXXX was screaming at me, said now the entire amount is due ... .she hung up on me ... I was just trying to determine what this was about ... I have copies of my bankrupcty papers ... which includes the XXXX XXXX credit card ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: Continental Services Group, Inc. d/b/a ConServe
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Student Loans were forgiven through the Public Service Loan Forgiveness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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 having impeccable credit history for 10 years with B of A and in general, I received a late payment notification from credit bureau. I had no idea a financial obligation was owed on said account. B of A did not reach out via phone, email, or regular mail. Upon further investigation it was claimed to be due to " short staffing and covid ''. B of A advised as a " courtesy '' they would remove the late payment. Which to date they still have not removed from any of the 3 agencies. Upon notification of the late payment, I contacted immediately and made payment. They are breaking multiple laws affected by congress with covid. I am a small business owner and had extreme financial hardship. That said I still would have paid the bill before the late period had I KNOWN it was due. I have disputed the late payment ( 1 payment in 10 plus years ) and they " verified '' instead of holding their end of the agreement.

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 2023-07-21
Company: GOLDMAN SACHS BANK USA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
While living in NY in 2018, I opened an online Savings Account with Marcus by Goldman Sachs. However, I have recently moved to XXXX and a few months after I had to close my former US phone ( I opened a new virtual US number instead ) and transferred my US correspondence to a relative 's house address. Since then, Marcus blocked and then closed my account due to unspecified reasons ( likely related to the change in my contact information ) while I was trying to make a transfer to my own external checking account, which I understand. However, it's been almost a month that I've been contacting them to retrieve my funds from Marcus to my other US external checking account ( linked to my Marcus profile ) and they are putting multiple blocks. I have contacted them every single day. It's been a week since they told me my money would be transferred to my other account. Passed their deadline ( Tuesday ), I have contacted again and have only now mentioned that I should ask my other bank to recall the funds. Which I tried, but is not a feasible option since all the savings I accumulated on Marcus throughout the years ( around {$140000.00} ) were not originally sent from my current checking account so it can't be recalled. I've contacted Marcus again and now it will take another XXXX business days for them to give me another alternative. At this point, I'm considering they are just slowing the process, and holding my money hostage until I give up. They are not willing to collaborate and most agents have been extremely unpolite. I am in the middle of an expensive medical treatment and have an urgency in recollecting my money to pay for these expenses. I please ask for your assistance into this matter. I've contacted a lawyer recently who recommended placing this new complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: HUNTINGTON NATIONAL BANK, THE
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
date XXXX the amounts of credit extended XXXX to the Huntington national bank I have send a letters to resolve the issue they to respond to the letter but fail to open the account that is all ready been credited by my open end consumer credit plan 15 US code 1602 J this entire process has been unfavorable me they have discriminated against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: AMERICAN EXPRESS COMPANY
State: CT
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:
On XX/XX/XXXX I sent a request to AMERICAN EXPRESS to validate the account that was opened on XXXX XXXX, XXXX with a balance of {$9200.00}. To this day, the creditor was failed to answer my request as they are required by Federal law and I'm very concern because I believe this accounts was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX At XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in 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 non-monetary relief
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Despite submitting my request on XX/XX/XXXX and XXXX AUTO acknowledging receipt on XX/XX/XXXX, I have yet to receive any form of correspondence or information as of today, XX/XX/XXXX. 
The specific account details associated with this dispute are as follows : Account : XXXX AUTO Account Number : XXXX Date Opened : XXXX/XXXX/XXXX I demand an immediate and aggressive investigation into XXXX XXXX 's blatant refusal to provide the requested information. This failure to comply with my rights demands swift and decisive action on your part. I expect you to exert your authority and forceful measures to rectify this situation immediately.

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
The credit bureaus are not giving me my free reports.

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 2021-12-16
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had a XXXX lease for XXXX XXXX XXXX. I opted to do a lease buy-out approximately 2 months before the lease end date, with date of sale recorded on title by Ally Financial as XX/XX/XXXX ( for purposes of assignment of title to me, as the new owner ). 

The lease was through Ally Financial. 

The buy-out was financed through my new financial institution, XXXX XXXX XXXX XXXX XXXX who are the current lienholders. 

Ally Financial was very slow in getting me any of the documentation I needed for the refinancing through XXXX. I had to make several calls to Ally, and got transferred numerous times to make it clear that I needed the documentation for XXXX. 

On XX/XX/XXXX, I made contact with an Ally Financial person who could provide the documentation to release the title ( was sent by email after I hunted it down ). I promptly filled everything out, and sent across successfully to Ally Financial on XX/XX/XXXX. This included the Bill of Sale, and the Odometer statement. On the odometer statement, I recorded the actual on the day, which was XXXX miles. 

I received from XXXX the physical title for my vehicle ( with the previous owner 's and lienholder information ) around XX/XX/XXXX. 

The physical title has a glaring error for the odometer : XXXX miles, which was provided by Ally Financial. The first time I saw this error was after XXXX had received the title from Ally, and it got sent to me. 

I have tried to no avail to correct this with Ally Financial, but was told by them that it was my fault and they gave me the runaround. THEY ARE LYING. XXXX can not help in this matter. It's up to Ally Financial. I believe that XXXX, XXXX was the capped mileage per my previous XXXX contract, and they just lazily wrote that in. They apparently ignored the odometer statement that I dutifully provided them. Now, my car 's value has lost several thousand dollars in today 's market because Ally Financial willfully put the wrong information on my physical title. They were also delayed in providing XXXX with documentation that I needed to file at my local DMV. I went to the DMV today ( XX/XX/XXXX - first appointment I could get over the past few weeks ), and was told that I needed to pay fines in excess of {$100.00} because of the time lapsed between the Date of Sale ( XXXX ) and filing.. My DMVXXXX  XXXX XXXX XXXX only allows 30 days to lapse. This is was all out of my control, and not fair. I have tried to petition XXXX to help me, but they are not able, and say it's all Ally 's issues, and take it up with them. I am unable to resolve with Ally.

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 2023-03-14
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Last year, a company called XXXX started auto debiting my account once a month for {$140.00}. I have complained about this four times to Truist. Each time a case was opened, I received full or partial repayment, and a new debit card was issued. Today I found a new auto debit from the same company and I was unable to get Truist Fraud Prevention to listen to me. I was cut off from my first phone call and left on hold each time I tried to call back. 

I have never, ever interfaced with XXXX nor have I ever received goods or services from them. I am complaining to you because Truist keeps failing to stop this and now they wont even allow me to talk to them.

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 2023-07-21
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: JPMORGAN CHASE & CO.
State: SD
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:
Chase Bank gave a card to someone else. I am a XXXX XXXX veteran in a wheel chair. I had a XXXX attach and a XXXX and I went XXXX but I see at distance but I can not read. I have had 1  card for 21 years. I never had a chase card. total amount {$720.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Someone has stolen my card and is using it to steal my identity and deposit checks

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 2023-07-21
Company: Wilber and Associates, P.C.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company : Wilber & Associates PC, consumer phone # XXXX XXXX XXXX XXXX file number : XXXX Claim date : XXXX Claim Location : XXXX XXXX  XXXX access key : XXXX client claim number : XXXX WILBER indicated : we are handling this claim on XXXX XXXX XXXX XXXX XXXX Co which is seeking reimbursement @ amount {$2700.00} from incident which occurred on the claim date. Please send info contact XXXX I have no idea of what is this about? I have no business or any relation with XXXX XXXX XXXX nor did I have any incident ( reported / claim ) on the claim date ( XX/XX/2022 ) at location ( XXXX XXXX  ). 
This is suspected as ID Fraud maneuver originated from XXXX which somehow obtained my name and address ( only, no other info e.g. Tel # or detail information, provided by the involved companies. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified consultnts-XXXX I have told them several time that this not mines and doesnt know anything about this account. They taken it off my credit serveral times but somehow it appears back on my report. Please remove this collection as this is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM BEING HOUNDED BY PUGET SOUND COLLECTIONS FOR 11 DEBTS I AM NOT LIABLE FOR. I WAS A PATIENT IN A COUPLE OF HOSPITALS OWNED BY XXXX XXXX XXXX. I AM A XXXX XXXX  XXXX VETERAN. THE CHARGES INCURRED WERE PAID BY THE DEPT. OF VETERANS AFFAIRS. THE HOSPITAL SHOULD KNOW THAT THE AMOUNT ACCEPTED AS PAYMENT IS CONSIDERED " PAID IN FULL ''. THE VETERAN IS NOT LIABLE OR CAN NOT BE BILLED FOR ANY OUTSTANDING BALANCE. IF XXXX CAN NOT COLLECT THE BALANCES FROM THE VETERAN, THEY TURN THE AMOUNTS OVER FOR COLLECTION TO PUGET SOUND COLLECTIONS. I HAVE SENT THE COLLECTION AGENCY LETTERS, I HAVE CALLED, THE DEPT OF VETERANS AFFAIRS HAS CALLED AND THEY REFUSE TO REMOVE THESE FROM MY CREDIT REPORTS. THEY EVEN SHOW ONE DEBT OF {$420.00} AS JOINT AND ALSO REPORT THE COLLECTION ON MY WIFE 'S CREDIT REPORT. I AM HOPING THAT THE AGENCY WILL TAKE YOUR ADVICE AND CEASE FROM DESTROYING VETERANS CREDIT!!

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 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have contacted the creditor and all three reporting agencies on XX/XX/2023, XX/XX/2023, and XX/XX/2023 times this year. They never provide any documentation substantiating with evidence or information to report the late payment on the XXXX XXXX account. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6.2, which states I have the right to privacy ( 15 USC 1681 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. Also creditor may not treat a payment on an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of this title, is mailed, or delivered to the consumer not later than 21 days before the payment due date.

Statements are not delivered to me no later than 21 days before the payment due date. The statements are created on the XXXX of the month prior and mailed to me, thus not delivered until at most 3 days prior to the payment due date, and often, they are delivered after the due 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 2023-03-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing this complaint as a result of excess charges to my account without disclosure or explanation. 

As of XX/XX/XXXX, my account balance reflects a negative balance of {$91.00}. However, as of XX/XX/XXXX, I had a positive balance XXXX. I decided to make a purchase of {$25.00} and transferred {$21.00} from my savings account to cover this {$25.00}. Please see the screenshot of the account. I had {$470.00} in pending holds, and {$470.00} on my balance resulting in a balance of {$2.00} after my {$25.00} purchase. 

There is no reason why my account should be overdrawn {$91.00} the next day if the Citizens bank provided the proper balance information before, during, and after my purchases. I check my balance regularly to ensure that I have funds to cover my purchases. This seems like an attempt to collect excess overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
hello my name is XXXX XXXX i been disputeing XXXX XXXX from my credit report for months i do not owe XXXX XXXX  any money they are also reporting the collection to times on my equifax report. this is against fcra laws. 

delete off my credit report asap

Company response to consumer: Closed with explanation