BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Check was supposed to be deposited into account on XX/XX/2020 but they said account was closed then on XX/XX/2020 a direct deposit check from my employer was deposited into an account that was supposed to be closed out and chase telephone customer support told me the check was being sent out and should arrive in 12 business days. I called chase customer support on XX/XX/2020 and told me they had to reissue the check and wait another 22 days for it to come in the mail. I called chase bank on XX/XX/2020, a month after not getting my money, to find status on check that was supposed to be sent to me and was told it should arrive by XX/XX/2020. XXXX XXXX 2020 still no check, called chase telephone customer service and was bounced around to different departments ( loss prevention, accounts recovery ) they finally told me that instead of mailing a check that they took all the money and put into an old account where i owed money and i would not be recieving any funds. They did not tell me and did not have my consent to use that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: SYNCHRONY FINANCIAL
State: NY
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:
I have a Care Credit Medical Card. This card was very misleading. When I first opened the card, it was a promotional offer. If paid off in 12 months there was no interest. At the time I paid it off unaware that it just continues to stay in promotion. I noticed monthly interest rates so I assumed it wasnt in a promotion. I did see on my account often, that I had promotions ending but because I was making interest payments around {$30.00} a month, I thought i was ok. On XX/XX/XXXX, I was charged {$720.00} in interest which brought my account to negative. This interest rate is appalling. I called and spoke to two managers. At one point the manager chuckled when I asked for her name as I was going to be contacting you. She said gladly. She asked if I had a hardship. I explained Im a single mother with one income. She said thats not a hardship. I asked to see if there was anything I can do to spread that out and they said no. Now Im in the negative and have a {$160.00} a month payment. This credit card is extremely deceiving and that fee should not be aloud.

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 2023-12-07
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon discovery after viewing my consumer report I see that LVNV Funding LLC is reporting an alleged debt onto my consumer report. I am invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ). I am demanding that LVNV Funding LLC send me verification - ( sworn under oath 28 USC 1746 ) of this alleged account pursuant to 15 USC 1692g ( b ). I am also demanding LVNV Funding LLC cease all collection & communication activity through any & all mediums pursuant to 15 USC 1692c ( b ) & 15 USC 1692c ( c )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My address and phone number both changed. When trying to close the account, the bank would not let me change my address. In order to do that, I needed to be verified on my phone number, which I didn't have access to anymore. The only way the bank said I can close my account is either through mail in writing or by visiting a physical branch. I couldn't visit a physical branch due to being in a geographic area far from any physical branch. In addition, I can not do it in writing because I didn't know my account number. I could not be told my account number, and I also can not access my account number online because I forgot my password and can not reset it as my old bank merged with a new bank and the new bank does not have my old bank 's information. Also, because I'm unable to access my account online, I can not opt out of the " paperless billing fee ''

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 2021-09-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
I just had my new Chase XXXX Bank credit card shut down due to a massive identity theft. I finally received my credit card from Chase in XXXX and they closed my account due to an unfamiliar company recovering my information and was maliciously using my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
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:
On XX/XX/2020 I sent letters about incorrect and inaccurate information reporting to my credit report. I have yet to receive any information about these items I requested be investigated. At this point and time I feel that I am being taken advantage of and my disputes and are being ignored. I have done everything on my end to work with the credit bureaus to get this resolved and still nothing has been done. Section 611 ( a ) states failure to investigate these items within 30 days gives reason for those items to be immediately deleted from my credit report promptly. Ive been a victim of identity theft and have also sent them the FTC report and being a victim of the XXXX data breach, so I demand these accounts be deleted from my credit report while I am filing litigation for the stress and negative impact this has had on my life.

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 2021-12-02
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have had a horrible experience becoming a Chase XXXX XXXX " Infinite '' holder. For nearly {$600.00} a year annual fee, the service thus far has been indifferent at best. 

I got the card XX/XX/XXXX for the purposes of making a {$15000.00} upcoming moving purchase plus booking a flight on XX/XX/XXXX. I was notified after suffering a hard hit that Chase does not offer virtual card numbers at all - something that is unacceptable to me and NOT common in the credit card industry. There are no security threats with this practice because my XXXX card is connected to my XXXX XXXX plus which has my TSA Pre check! 

After spending an hour with phone agents, I still do not have my card information and the price of the flight has gone from {$230.00} one way pp to {$510.00} on way pp. The whole reason I got the card was to save money, not lose money, on flights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX filed a complaint and a proposed stipulated judgment in federal district court for the XXXX XXXX XXXX Indiana alleging that XXXX provided substantial assistance to XXXX XXXX XXXX XXXX XXXX ( IXXXX ) in engaging in unfair acts and practices. XXXX operated XXXX XXXX XXXX until it filed for bankruptcy and ceased operations in XXXX. XXXX XXXX complaint alleges that XXXX  was actively involved in the creation and the implementation of the XXXX loan program. The complaint alleges that XXXX induced its students to take out the loans by a variety of means, and that XXXX knew or was reckless in not knowing that many student borrowers did not understand the terms and conditions of the XXXX loans and could not afford them. 

On Saturday, XX/XX/XXXX, it was announced that student loan cancellation benefits will be offered to XXXX former XXXX XXXX XXXX, with up to {$160.00} XXXX dollars in debt being forgiven. 

This agreement was reached as part of a deal between the Consumer Financial Protection Bureau ( CFPB ), State Attorney Generals from 43 different states, and Student CU Connect ( CUSO ), the company who distributed and managed private student loans for 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 2023-04-04
Company: JPMORGAN CHASE & CO.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JPMorgan Chase bank has used abusive, deceptive, and unfair collection practices. I sent chase a notice of dispute and debt validation letter on XX/XX/2023, they responded with monthly statements on XX/XX/2023, which does not fulfill the requirements of validation or prove the alleged debt is owed pursuant to 15 USC 1692g, I then found several violations in the statements & docs sent by chase. I then sent a cease & desist and an affidavit of fact stating how I was violated along with evidence of violations & invoice for the violations. Chase bank failed to validate the alleged debt owed as well as knowingly, furnished an unvalidated debt on my consumer reports, they ignored my cease & desist, invoice, as well as my affidavit of fact. An unrebutted affidavit stands as truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Santander Consumer USA 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 status incorrect

Complaint:
I cosigned for a loan in XX/XX/XXXX with my now ex-husband and the courts granted him the vehicle however, Santander said he was unable to finance on his own and refused to assist me. I assisted Santander in locating the vehicle because he stopped paying on it and was hiding it during the divorce for retaliation. They recently this year XXXX reported the XXXX charge off as a new debt and are saying that the payments are past due 180 days then 120 days now. They also increased the loan amount without the amount they got from auctioning the truck. They recently sent me a letter XX/XX/XXXX stating that they will not do anything further to correct this information, because I have contacted them previously about it. The credit bureaus are not updating the account correctly even though I have hired XXXX law to assist me with this issue. Santander is refusing to put the correct information on my credit reports even after the lawsuits. I honestly don't care about my ex-husbands credit he was an XXXX and XXXX, they can keep it on his. I have screenshots of all the information from the credit bureaus showing it was a charge off XX/XX/XXXX. Last late payment was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Other problem getting your report or credit score

Complaint:
I sent in a formal request to investigate all information regarding my credit report with Trans Union via certified mail. Its been well over 90 days and they claim that they are still investigating. My understanding is it should be a 30 day process the very latest 60 days. I called and updated my address with transunion within the time frame they requested via telephone call. I provided Trans Union with all information including identity. License, Social Security, card, and proof of residence. To date they have not responded. I can not check or verify my credit on their website. The information being transmitted can not be validated or verified. Violating my consumer rights. Well over 90 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Checkr, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have requested a background check from XXXX to start working as a delivery driver for XXXX XXXX, XXXX, and others but they came up with a background check with incorrect information. When I sent a complaint to the company, they basically told me that their system is always accurate and that their previous background check is correct without providing evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Gurstel Law Firm, P.C.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently sold my house. During the process, I learned that my ex-husband had debt which had gone to judgement and there was a lien on the house. In the divorce, I was awarded the house and we were both responsible for our own debt. The title company told me I could not close unless these were paid. I contacted my ex-husband to find out what needed to be paid. He contacted the agency to ask them for settlement and payoff amounts. He gave them permission to speak with me. I called on XX/XX/2020 and asked them to send payoff amounts to the title company. I was assured they would be there that afternoon or by the next morning, at the latest. The documents were not sent until late the next afternoon and one of the pages did not make it. I attempted several times to contact them again for them to resend it. None of my messages were returned. I continued to call and eventually spoke with the same person who told me they would be there by morning. He said he could resubmit the request to send, but it would take 24 hours. I asked if it could be expedited, since it was faxed already, but did not go through. He said he had no way to telling me when it would be sent. I spoke with a supervisor who assured me he would contact the department which sends these and ask them to expedite it. It is now XX/XX/2020 and we have not received the document. I emailed and asked it be forwarded to a manager. I also asked my ex to call them again. He did and was told they would send the documents right over. That was 3 hours ago and they still have not been received. The title company is holding my funds until they receive this. The collection agency 's failure to send a payoff amount is hindering my ability to move forward with the purchase of my home. How can I get them to send this, so I can pay it and move on?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Experian Information Solutions Inc.
State: FL
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:
Experian and XXXX are reporting incorrectly a collection in the amount of {$3900.00} on the XXXX XXXX partial account number XXXX, from original creditor XXXX. ( Please see page attached from my credit report. ) This account is completely fraudulent. I never have had an account with XXXX, nor have I ever agreed to open an account with XXXX. This collection is being reported in error and needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2020-11-30
Company: AES/PHEAA
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: Account information incorrect

Complaint:
XXXX XXXX filed a complaint and a proposed stipulated judgment in federal district court for the Southern District of Indiana alleging that XXXX provided substantial assistance to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in engaging in unfair acts and practices. XXXX operated XXXX XXXX XXXX until it filed for bankruptcy and ceased operations in XXXX. XXXX  XXXX complaint alleges that XXXX  was actively involved in the creation and the implementation of the XXXX loan program. The complaint alleges that XXXX induced its students to take out the loans by a variety of means, and that XXXX knew or was reckless in not knowing that many student borrowers did not understand the terms and conditions of the XXXX  loans and could not afford them. 

On Saturday, XX/XX/XXXX, it was announced that student loan cancellation benefits will be offered to XXXX former XXXX XXXX XXXX, with up to {$160.00} XXXX dollars in debt being forgiven. 

This agreement was reached as part of a deal between the Consumer Financial Protection Bureau ( CFPB ), State Attorney Generals from 43 different states, and Student CU Connect ( CUSO ), the company who distributed and managed private student loans for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/XXXX, BBVA Compass posted a special offer on their website that they would give new checking customers a {$200.00} bonus if they opened a checking account ( either online, by phone or in person ) by XX/XX/XXXX and made a direct deposit of {$300.00} within 60 days of opening the account. I opened a new checking account with them on XX/XX/XXXX and made a {$300.00} direct deposit from my paycheck on XX/XX/XXXX, therefore meeting with requirements to receive the bonus. The special offer stated that the {$200.00} bonus would be credited to the account within 60 days after all requirements were met. After the 60 days passed, I had not received the bonus, so I sent an online message to BBVA on XX/XX/XXXX to ask if they could confirm that I met the offer requirements and find out why I had not received the bonus yet. 10 days later they responded to confirm that I did open the account during the offer time period and did make a correct direct deposit in the account within the offer time period ; they also added : " At this time we have submitted an escalation to further review your account regarding the promotional credit. Please allow 24 to 72 business hours for processing. '' After the processing time passed, I had still not received the bonus, so I sent another message on XX/XX/XXXX to check on the status of the review process. There had been no response to my message by XX/XX/XXXX, so I called their customer service phone number and explained my problem to the representative ; she said it appeared I had met the requirements for the bonus and would create a ticket for the bonus to be credited to my account. I asked how long that process would take, but she said she couldn't give me a time estimate but it should be " in a few days. '' On XX/XX/XXXX, someone finally responded to my last online message asking for an update and said that I would need to visit a local branch for more assistance to receive the bonus. I then sent this final response : " This was an online promotion and visiting a physical branch was not a condition to receive the promotion bonus. There is not a branch in my area of the state. I've already been told I met the requirements to receive the bonus, yet it's been over a month since I should have received it. I'll be filing a complaint with the CFPB. Thanks for your assistance. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-30
Company: LD Holdings Group, LLC
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: Account information incorrect

Complaint:
Loan Depot false credit reporting. Long story short once the pandemic hit my wife hours got cut and decided to call Loan Depot and ask for assistants. This was around late XXXX early XXXX. We were told we should do the loan forbearance for three months. Once the three months was coming to an end we called to see about what options we had for re-payment. They said it would take 1-2 month to review and we should extend our forbearance to 6 month. So trusting loan depot we agreed. This was were it got bad! We were waiting on paperwork that we never got. Then we get a letter that loan depot sold our loan to XXXX XXXX. This was around XXXX. We then had to go through the repayment process with midland that took another 2 months, We ended just paying everything off in one lump some to get us back to current. Our credit is reporting late payments that were not late, they reported the XXXX late payment to XXXX in XXXX. How can you have a late payment that month? I was not even able to pay loan depot anymore, my payment were to go to XXXX XXXX. This has caused extreme stress in my wife and I lives and our credit is so bad now we can't do anything we want to do.

Company response to consumer: Closed with explanation