BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-25
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have applied to open both a checking and a savings account at Chase on their website. After I was turned down the first time, I have reapplied within minutes thinking that it might have been a processing glitch, I was turned down for a second time. I have applied today, XX/XX/19, and was turned down for a third time. The first two applications were submitted in XX/XX/19 and I have received two letters from Chase explaining the reason for the denial both of which are dated XX/XX/19. It is because of these letters I am filing this complaint today after getting turned down for a third time, for which I am sure I will receive a letter. On each letter, whose copies I will share with you, my calculated credit score appears as XXXX out of XXXX and this calculation is reported by XXXX. There are 3 factors listed as being the reasons why my application is turned down : 1. Two many recently opened accounts 2. Length of time since most recent bankcard account has been established is too short 3. Not enough debt experience The first two negative factors have low impact on credit scores. The third one is the source of confusion in that if I did not have enough debt experience, how could I possibly have a score of XXXX? 
All in all, these reasons do not mesh well with my credit score and my general financial viability which leads me to believe that they were thrown together to make a case which they fail at. 
The only reason for this complaint today is to understand why I was really turned down - need plausible reasons because this is likely to cause me trouble. With my financial background I should not experience anything like this. I would be able to rectify whatever is causing this outcome once I know why it is happening. 
On a final note, the last credit report I got from XXXX ( I am a customer of their monitoring service ) for all XXXX bureaus list my scores as XXXX, XXXX and XXXX. My XXXX score today is XXXX. If there is a blemish on my record elsewhere, I need to know about it since it should not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Robinhood is currently holding on to all funds in my account since XX/XX/21 and has blocked me from transferring to my account or another brokerage. I have sent multiple emails and received no assistance. My money is being held without my permission and I have no way of accessing my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
TO THOM IT MAY CONCERN, I AM AT A LOSS FOR WORDS ON WHAT I JUST EXPERIENCED. I RECEIVED 3 CALLS WITHIN A COUPLE HOURS FROM PHONE NO. XXXX. I CALL THE NUMBER BACK. A WOMAN BY THE NAME OF " XXXX XXXX '' ANSWERED AND STATED THAT SHE WORKS FOR " XXXX XXXX XXXX '' AND THAT IF I DIDNT PAY A CERTAIN OLD DEBT ( THAT WAS RESOLVED YEARS AGO FOR IDENTITY THEFT ), SHE WAS GOING TO HAVE THE SHERIFF COME TO MY WORK AND ARREST ME TODAY. I TRIED TO EXPLAIN THAT THIS WAS NOT RIGHT AND I NEEDED TO SPEAK TO A SUPERVISOR. SHE SAID SHE WAS THE SUPERIVOR. WHEN I ASKED AGAIN THE NAME OF THE COMPANY, SHE HUNG UP THE PHONE. I CALLED BACK AND THE SAME WOMAN PICKED UP THE PHONE, BUT CHANGED HER NAME TO " XXXX '' ... AFTER HEARING THE NAME CHANGE, I ASKED HER " DID YOU SAY YOUR NAME WAS XXXX? '' SHE HUNG UP ON ME AGAIN. I CALLED 3 MORE TIMES BUT THIS TIME NO ONE ANSWERED THE PHONE. I THEN USED MY OFFICE PHONE NUMBER TO CALL. THIS TIME A DIFFERENT LADY ANSWERED THE PHONE ... I EXPLAINED TO HER THAT I WAS JUST THREATENED AND HUNG UP ON. I THEN ASKED HER TO PLEASE PROVIDE ME INFO OF HER COMPANY, AND SHE HUNG UP ON ME TOO! BY THIS POINT, MY BLOOD IS BOILING. I WAITED AN HOUR AND CALLED AGAIN. THIS TIME A MALE ANSWERED THE PHONE ( HIS ALLEGED NAME WAS " XXXX XXXX '' ) ... HE TOLD ME THAT I NEEDED TO PAY WITH A XXXX OR XXXX FOR THE {$810.00} DEBT OR ELSE THE COMPANY WAS GOING TO TAKE A JUDGMENT OUT AGAINST ME FOR FRAUD AND BREACH OF CONTRACT ... AND THE SHERIFF WAS GOING TO ARREST ME TODAY. I TRIED TO PLAY DUMB SO THAT I COULD GET MORE INFORMATION. HE TOLD ME THAT HIS COMPANY 'S NAME WAS " XXXX XXXX '' ( DIFFERENT THAN WHAT THE 1ST LADY SAID ). WHEN I ASKED HIM WHERE HE WAS LOCATED, HE GOT ANGRY AND SAID " LOOK DO YOU WANT TO PAY THIS NOW OR DO YOU WANT TO GO TO JAIL '' ... I SAID YES I WANT TO PAY BUT I NEED TO KNOW WHO I AM PAYING ... SO I ASKED AGAIN WHERE THE COMPANY IS LOCATED ... AND THEN HE HUNG UP ON ME!!! PLEASE PUT A STOP TO THIS EGREGIOUS AND OUTRAGEOUS FRAUD! I CAN NOT BELIEVE THIS JUST HAPPENED!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX I was a victim of identity theft my identity was misused. Someone got apartments in my name and utilities in my name without my permission. I am requesting this be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: AMERICAN HONDA FINANCE CORP
State: NY
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 went to XXXX XXXX XXXX when I realized someone leased a vehicle in my name. 

They signed my name, and a vehicle was delivered to this person. 

XXXX XXXX had me sign a letter stating that I became aware of the lease the day I went to the office. 

They stated it would be taken care of in house. Thy even offered a vehicle to me but I refused. 

I stopped receiving mail for a while. Recently Ive noticed it is on my credit report. 

The signatures are not my signature on the initial application, the application had a co signer initially on the first application, then they used me solely on the application. 

My job information is incorrect, my income is incorrect, and the contact information is incorrect. 

Nothing has been done from XXXX XXXX XXXX or Honda Fonancial Service. They allowed someone to fraudulently use my information without me being present. I helped them obtain the vehicle by locating it through parking tickets. They did not take any of this into consideration. 

They left me with a large bill. Lease number is XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I mailed certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX about removing the damaging credit reporting history of their account that I already paid off in full. They are using stalling tactics to not properly investigate and remove damaging reporting from my credit report.

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 2019-08-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I mailed certified letter to Department of XXXX XXXX  student loan center about removing the damaging credit reporting history of their account that I already paid off in full. They are using stalling tactics to not properly investigate and remove damaging reporting from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I mailed certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX about removing the damaging credit reporting history of their account that I already paid off in full. They are using stalling tactics to not properly investigate and remove damaging reporting from my credit report.

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 2019-08-24
Company: EQUIFAX, 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:
XXXX XXXX vilated te fCRA by adding a removed item back to Equifax and XXXX   B/c my Data breach Was caused by the FTC violation that Equifax destroy the american economy by hiring people that dont even know how to read a credit report Law saids that you must noitfy me b/c items are put back in 5-10 Business days. EQUIFAX and XXXX XXXX should really consider hiring people that know their job. Then this issue might not be an issue but you get what you pay for

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, 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:
XX/XX/21 The Fair Credit Reporting Act ( FCRA ) requires each of the nationwide consumer reporting companies Equifax, XXXX, and XXXX  to provide me with a free copy of my credit report, at my request, once every 12 months. 

I am suddenly being forced to move, and I need a credit report to get a new place. 

I just went online to " XXXX '', and all three credit-reporting agencies " had an issue '' that prevented me from getting my report online. 

One of them said I could call to order a report, but it was all automated, and concluded " we'll mail it to you within 15 days. '' That's too late, I need it now online. 

I feel that they are all skirting the law to encourage me and my new landlord to pay for a report that can be delivered right now, and avoid their responsibility to give me a free report. 

Please make them abide by Federal law. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I reviewed my credit reports and found that there was an account reporting inaccurate information in my credit files. This account is reporting as a charged off account with a balance of {$500.00} reporting under the account number XXXX. On XX/XX/XXXX I wrote my first letter and mailed it certified delivery to XXXX XXXX and requested full validation  pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation including competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry. 
I received no response so I wrote a second letter to XXXX XXXX and mailed it by certified delivery on XX/XX/XXXX ( see attached supporting documents ). 
It is now ( 8 ) months since my initial letter requesting validation and since it is over the 30 day time frame since the mailing of my request to XXXX XXXX this company is in violation, they are out of compliance. 
Under advise, I wish to informed XXXX XXXX that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit 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 2021-08-21
Company: CURO Intermediate Holdings
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2021 I had applied and received a loan for {$500.00} from Speedy Cash online. I went about my week thinking I had funds in my bank to cover overdrafting my account and then I saw my account at XXXX. On XX/XX/2021 the funds were withdrawn from my account, and also accrued 6 overdraft fees for payments that were supposed to be covered by my loan. I called Speedy Cash support and they told me that they don't see anything in their system that they took my money. I called my bank and they said there is nothing they can do because I have to handle it with the merchant. I sent bank account statements with activity and still waiting from Speedy Cash to resolve the issue. Meanwhile I am accruing penalty fees from Speedy Cash for a loan they gave me and took back. I am behind on my bills and very frustrated with this whole process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Experian Information Solutions Inc.
State: TX
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 am trying to unlock my credit report that is frozen with Experian. I have tried online and all they tell me is " We're sorry. We were unable to honor your request ''. I tried to unlock my credit report so that I can apply for a new loan. I followed the online form on their website only for it to tell me that my information is not valid and that I could either mail in my identifying ( proof of identity, citizenship though social security card, and bank statements for address verification. I tried to call the number and all it does is play an automated recording, I tried to upload the documents and they gave me the error above. I am currently working overseas and do not feel comfortable mailing all these personally identifiable documents in the mail. Their website offers no other resolution other than mailing their phone number only offers me the same mailing solution.

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 2017-12-08
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was sent a collection notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ) dated XX/XX/XXXX.
I spoke with a representative there on XX/XX/XXXXand set up 6 months worth of automatic payments with the understanding that these would bring my account current.
I made a note while speaking with them and they stated that they " do n't report to credit bureau '' as in this was possibly an internal collection company.
My payments were deducted as scheduled but inXX/XX/XXXX I received a collection notice from a DIFFERENT collection agency ( datedXX/XX/XXXX ) stating they are collecting a past due balance that was more than the original notice.
When I looked at my account online I found that XXXX XXXX  has been charging me a late fee each month and is now stating that the payments I was making did n't meet the minimum due and that 's why the payment is considered late, even though a payment was made on time each month.
At no point did XXXX XXXX XXXX  tell me that the payment I set up with them would n't be satisfactory to get my account back on track.
I had to set up a similar process with another creditor but once I made the agreed upon payments my account was considered up to date and back on track.
I 'm not understanding how this is legal to set up a payment arrangement but still charge a late fee each month because the minimum payment is n't met - which is the whole reason it went to collections in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: Experian Information Solutions Inc.
State: GA
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:
To Whom It May Concern : My credit report is reflecting the late payments as seen below. These accounts are in error because they were paid on time. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days. 

Company Account # XXXX XXXX XXXX I would appreciate you sending me an updated copy of my file as soon as you have completed the investigation. 


Sincerely, 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 2021-08-21
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
US BANK allowed a debit transaction to process when there wasn't sufficient funds in the account to satisfy debit amount, without my permission. The consequence being my account being overdrawn. To which US BANK promptly added a overdraft charge of {$36.00}, a maintence fee of {$14.00}, and {$.00} service tax. When I contacted customer service, demanding a reversal of charges because I did not authorize said transaction. But also, US BANK should protect their clients accounts from such transactions is their are insufficient the in the account. Instead, US BANK designs their mobile app to have a default setting ALLOWING transactions to complete WITHOUT SUFFICIENT FUNDS. The support rep explained that I could change this overdraft setting, if I preferred. But nowhere, on their app or website, does the bank inform their customers that there is a setting for overdraft permissions and that it's default setting is in " allowed overdrafts '' mode. 

. This obvious fraud, as in the bank 's monetary gain from overdraft charges in the amount of {$36.00} per overdraft, needs to be addressed immediately. THIS IS OBVIOUSLY INTENTIONAL in order to financially gain from overdraft fees and FRAUD.

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: Experian Information Solutions Inc.
State: VA
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:
On several occassions, I have disputed a XXXX XXXX XXXX / XXXX XXXX XXXX   account that was paid in full to the creditor on XX/XX/XXXX. I have sent the documentation that I received from XXXX to XXXX  and Experian that the credit card was paid off and was reflecting a XXXX balance. The dispute continues to come back verified and the account still remains with a balance on my two credit report. I have contacted XXXX  and they advised I contact the two credit bureaus ( XXXX and Experian ) and have them call XXXX with my authorization to verify the status and balance of the XXXX account. I have called XXXX  and they refuse to call XXXX  and have let me know it is not a policy of theirs to do so. I am beyond frustrated and hate going around in circles. I am trying to obtain an updated credit report so that I may apply for a mortgage and this is preventing me from doing so.

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