BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-11
Company: JPMORGAN CHASE & CO.
State: WA
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:
Chase bank has mislead me about my consumer rights, and used predatory & misleading methods to avoid lawsuits and legal liability.

Chase only has a very small line of text, at the very bottom of the cardholder agreement, stating this outrageous clause : " If you do not reject this agreement as provided below within 60 days of account opening, you or we may elect to resolve any Claim by arbitration. '' TO ANYBODY PUBLICLY READING THIS COMPLAINT, IF YOU DON'T OPT OUT, THEY CLAIM THAT YOU  CAN'T SUE THEM IN COURT. IF YOU HAVE THE AMAZON PRIME REWARDS CARD, MAKE SURE YOU OPT OUT OF THIS CLAUSE, AS IT'S HIDDEN IN VERY SMALL TEXT. 

This is beyond deceptive and predatory. At no point did Chase directly notify me about this, or any time limit that I was subjected to. If I had been notified of this, I IMMEDIATELY would have opted out. 

Not only is this misleading, this " time limit '' to opt out goes directly against consumer law. Further, to automatically " opt-in '' all customers to this agreement, is a blatant violation of consumer protection law, and directly violates my rights as a citizen to take legal action against a business who falsely advertised a service, and caused financial burden against me. 

Further, the method used to notify them is discriminatory towards the XXXX and the financially XXXX : " Your notice must be mailed to us at XXXX. XXXX XXXX, XXXX, DE XXXX. Rejection notices sent to any other address, or sent by electronic mail or communicated orally, will not be accepted or effective. '' Every single function of this card, including opening the account and making monthly payments, can be done online. At no point, does the customer even need to sign a physical document. By forcing people to write a physical letter, and pay for postage/confirmation, Chase is not only discriminating against consumers, they are creating obstacles to prevent customers from getting proper justice in a court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Ive also contacted the companies and they have answered and said they removed the inquiry but transunion is still showing the inquiry on my file IVE SENT THEM MANY MANY TIMES MY POLICE REPORT MY IDENTITY THEFT AFFIDAVIT MY DISPUTE LETTER ALL MY IDENTITY THEFT DOCUMENTS AND STILL NOTHING

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 2020-10-11
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Earlier this year my wallet was stolen from my golf bag and several ATM withdrawls were made. Despite my furnishing police reports and repeatedly explaining that these charges were fraudulent I was told that because I personalize my PIN number that it was declined as fraud. Since then my FICO score has plummeted due to this misunderstanding. Please help me with Barclays.

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 2020-09-16
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am being harassed by a debt collection company as a result of incompetence on the part of the XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX finance, insurance, and customer service departments. The agency they have sent to harass me is Balanced Healthcare Receivables LLC. I am constantly receiving phone calls and voicemails from their number XXXX. This is happening despite the fact that this debt was paid by my health insurance 2 years ago! I have the documentation from my insurance company ( MVP/Cigna ) proving exactly this and have stated this to both parties on numerous occasions. I have also made numerous requests for them to stop contacting me because this has reached a level of incompetence and harassment and that I can not tolerate, because I have already tried to clarify with both parties more than once that the debt had already been paid. XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: SIMM Associates, Inc.
State: FL
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:
TODAYS DATE : XX/XX/XXXX XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT SIMM ASSOCIATES To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. This account and any other account associated with my social Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent  evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX Law Firm, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX..

Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Navient Solutions, LLC.
State: NY
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:
Instance one : At the time of taking out the loans Navient ( XXXX XXXX ) would not state what my interest rate was while I was still a student even though interest was being accrued. By the time I graduated with a XXXX-year degree and began repayment, the accrued interest was already $ XXXX. 

Instance Two : I graduated from XXXX University in XXXX  of XX/XX/XXXX.  Navient ( then XXXX XXXX ) refused me an income-based repayment plan forcing me into deferment. Once able, I began making interest-only payments of about $ XXXX/month because I could not afford interest/principle payments of about $ XXXX/month. I was XXXX and working XXXX part-time jobs. This went on until 2014 when my interest-only plan expired. At this time they finally agreed to an income-based repayment plan which lowered my monthly payments and interest rate and increased the life span of the loan by 30 years. 

Instance three : My parents co-signed on one of my loans. I have tried on two serperate occasions to release them. Although I make my payments on time each month we were denied. 

Instance four : I am currently set-up for reoccurring payments. On 3 different occasions Navient has notified me of past due payments on the XX/XX/XXXXof the month even though my payments are scheduled for automatic deduction on the XX/XX/XXXX. I have paid immediately to stay current only to have my bank account overdraft by 2nd payment deduction on my due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
In XX/XX/XXXXof last year I got a loan from ACE Check Cashing so i could keep my self afloat. I had just lost my job and filed for unemployment ( i was told verbally was approved ) at the time when i took the loan. At the time the person i had been dating all year stole that loan money and disappeared i have not seen or heard from them since then. but now ace check cashing has filed a law suite against me because i have not made payment on my loan with them. I paid XX/XX/XXXX and nothing since then. they claim i knowingly committed fraud and thats what they are trying to charge me with. That is called Slander and not for them to determine. They are not in the business of judging some one like that. Over {$700.00} they are going to ruin my current life and future by making a FRAUDULENT claim against me that is SLANDER if pretty sure both of those are illegal. They reported my social security number to the social security administration as fraud. At a time when I am dealing with job loss, while my health takes the turn of needing to be placed on XXXX. iIn XX/XX/XXXXmy lease ended on my apartment. in XX/XX/XXXXI took this Loan with intent of renting an apartment till ( the former partner ) took off with that money. In XX/XX/XXXXi paid XXXX they filed fraud claim against me. By XX/XX/XXXXI already started process of filing for bankruptcy. I had no phone no job no place to live so that give ace check cashing the wright to file claims of fraud on my social security number preventing me from ever being approved of any thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I had a vehicle repo in XX/XX/XXXX, I had to pay a large payment and fees to get my truck back which I did within 24hrs, XXXX XXXX will not fix my payment history which on the credit bureau shows 12 more late payments than it should be, my history should be good since XX/XX/XXXX but it shows XX/XX/XXXX, I received a payment history as requested by mail from XXXX XXXX but they wont fix the issue with the credit bureaus so I filed a dispute with each bureau and it has never been fixed, it is a joint loan so this has affected mine and my wifes payment history, the only thing that happened with my dispute is that Trans Union deleted the account on my side which lowered my score because of aged credit history but its still on my wifes credit report with the wrong payment history

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 2018-06-07
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At the beginning of last year, I had my credit pulled for a pre-qualification for a loan. It came back that I had a collection account with XXXX XXXX that I was unaware of. I contacted the company that was handling the debt, asked for validation, and it was removed off of my credit report. It then was resold to XXXX XXXX XXXX on XX/XX/2018 and reappeared on my credit for {$460.00}. It is the only negative collection account on my report, and as I previously stated I had no knowledge of the account at all. I have tried to reach out to the company about having the account removed, and every time I called I was spoken to extremely rudely and they demanded that I pay 70 % of the debt to have it settled. The problem with that is that it will still report negatively on my report, and the debt is not mine to begin with. I even offered a smaller amount in exchange for a Pay to Delete agreement just to get rid of it because I am XXXX XXXX military and I am trying to buy a house. They were nothing but rude every single time I spoke with them, and I refuse to deal with them any longer. I just want the debt gone and off of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: Block, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
There unauthorized charge for {$800.00} withdrawn from my account on XXXX XXXX at XXXX and I contacted XXXX XXXX in regards to disputing this charge because it was fraudulent and they denied my claim stating that it was no errors made and was authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I talked with XXXX XXXX about a garnishment issued against me in XXXX. After talking with XXXX @ XXXX XXXX then XXXX @ XXXX XXXX, I found out this was for a debt that was for a Discover Card opened in XXXX and closed in XX/XX/XXXX and was bought by XXXX in XX/XX/XXXX. Balance was {$4700.00} and current balance {$4500.00} with 25 % deduction. Then upon going thru old paperwork, I found a letter from XXXX XXXX dated XXXX XXXX stating that this debt has been investigated and is closing the account with a {$0.00} balance. Still digging I found a court document stating that XXXX XXXX having received full satisfaction and payment, releases the judgement entered on XX/XX/XXXX for {$2900.00}. According to Discover Card, I was only an AUTHORIZED USER and not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Identify theft victim ; XXXX XXXX XXXX **Completely compromised Data breach- Equifax, XXXX, XXXX, and more. 
Identity theft SSN, Birth certificate, DL, Registration, Identity theft wallet I have submitted in writing and via telephone to all major 3 bureaus XXXX, XXXX, and Equifax. XXXX, XXXX, XXXX, XXXX Issues as follow : 1. Equifax Failed to alert me of XXXX breach as I have been involved ( SSN, DL ), failed to add the requested Fraud alert, and security freeze. Resulting in more identity theft fraudulent activities. 
2. XXXX  added the security freeze successfully. Failed to add Fraud Alert.  Resulting in having to purchase complete Identity theft membership out of pocket. 
3. XXXX failed to add security freeze as well as Fraud Alert. Resulting in additional fraudulent activities. Having to purchase XXXX identity theft products for protection. 

Final results of not fully being protected by Consumer agencies who I relied on to prevent issues from arising as more activities add. Lack of protection has allowed more financial bariers to financial hardship HIGHER RISK, HIGHER INTEREST, VEHICLE REPOS, CYBER HACKING, HIGHER PREMIUMS, & Higher Deductibles /downpayment rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I am experiencing financial hardship and am consolidating all of my debt into a debt management plan, which LendingClub refuses to honor. If I am reaching out to LendingClub asking for their help to fulfill my obligations of my loan, how can they get away with not helping me, the consumer. I am willing to pay the remaining balance {$4500.00} of the original {$6000.00} loan amount, but with a reduced monthly payment of {$120.00} for 36 months which roughly equals {$4500.00}. This is more than reasonable and very financially responsible on my part. I just can not afford the originally agreed monthly payment of {$240.00}, which my debt management counselor at XXXX XXXX XXXX can confirm. 

Thank you, in advance. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Midwest Recovery Systems
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: Account status incorrect

Complaint:
I was recently notified by XXXX XXXX that there were four delinquent accounts that were placed on my credit report by " MIDWEST RECOVERY SYSTEMS ''. This account balance that they are reporting delinquent was " Paid in Full '' in XX/XX/2016 over 2 years ago. 

As a result, my good credit score between 730-740 was dropped to 680-690. Additionally I have a XXXX XXXX Clearance and am currently going through an investigation that will check my credit report and could effect my clearance since my investigation asked me about my financial credibility and is part of my investigation. I also am applying for a home loan and this couldn't come at a worst time. 

The problem that I have with this is that MIDWEST RECOVERY SYSTEMS never sent me a letter of notification giving me the opportunity to dispute these accounts and show proof. They just immediately put this on my credit report. It is my belief this is an attempt to force me to pay an invalid account to clear my credit report. A scam basically. Normally credit collection agencies send out a letter to validate a reported debt. 

I find this to be a violation of my rights to dispute and defend myself. Trying to destroy someones credit report appears to very illegal. MIDWEST RECOVER SYSTEMS did not take the proper and normal steps to validate the debt most likely because they know that there is no debt and just putting it on my credit report would be threatening and force me to give them money. I want them to be investigated as I see there process of non-notification as very illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
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 closed account information : deemed as fraudulent. Actively preventing the true owner of this identity embarking on important verified business expenditures.

please return my credit to an acceptable state in order for redemption. 

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 2022-08-10
Company: TD BANK US HOLDING COMPANY
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened case XXXX with the CFPB to request closure of TD credit account. I attempted to call TD bank and had issues getting through. I finally got through to a representative to close my account but she never closed it. Subsequently, I reached out to the CFPB for assistance. I received a response back from the CFPB that TD Bank closed my account but it remains open with a {$10000.00} available credit limit. After the CFPB informed me the account had been closed, I shredded the card. I only have the last 4 digits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-23
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been working with a HUD counselor since XX/XX/XXXX. In XX/XX/XXXX a lis pendens was put on our property. We have submitted all documents requested by Freedom Mortgage and they have been ve19ry slow to respond, We have asked them to allow us to pay our mortgage as they keep telling us we are responsible for payments during the slow process of evaluating our circumstances, but they will not accept any payments from us. The process of resubmitting documents went in for 3 months and we couldn't make any payments during this time. On XX/XX/XXXX we received a letter stating that we could not prove our case. We had requested that since we didn't receive the promised help during Hurricane Irma, we requested to have several payments put on the end of the loan, since we were out of work and had expenses due to the storm. We also had family members diagnosed with XXXX and several deaths which required us to travel. We could not produce every receipt they wanted because we didn't expect to end up in this situation, so they denied our claim and have told us that our only two options are to do a pre-foreclosure sale or a deed-in-lieu.

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