BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-20
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card
Issue: Other

Complaint:
I received a XXXX from Chase Bank with my name and social security number associated with an account that is not mine. The event description indicates " Credit Card Fraud. '' The account belongs to a gentleman I was in a former relationship with who offered and assisted me financially due to me being off work with a XXXX condition in XX/XX/XXXX as a gift. Subsequent to my ending the relationship and reporting XXXX, he had all the payments retracted from my creditors to his bank account and credit cards, falsely reporting fraud to his creditors, bank, and to the local sheriffs department in which his daughter is employed as a XXXX as well as his close friend, who is employed as a detective. The accusations were false, inflammatory, and defamatory. He evaded arrest for the battery charges, although the Sheriffs deputy informed me he recommended his arrest to the prosecutor. I later was informed that his daughter was the deputy 's supervisor and now the deputy no longer works for the Sheriffs department. I have no criminal history and have a 30 year tenured professional career as an outstanding employee. 
Upon receipt of the XXXX from Chase Bank, I consulted with my attorney and made several attempts to resolve the situation with Chase as I am not the debtor. In addition, " credit card fraud '' is not an appropriate use of XXXX even for the actual debtor according to the IRS rules. At the advice of my attorney, I recorded my conversations with Chase Bank in which they agreed to issue a written document admitting it was issued to me in error and retract the XXXX from the IRS. They stated I should receive such documentation by U.S. mail within 5 to 7 days. After 2 weeks of not receiving the written correspondence, I contacted Chase Bank again and they informed me they were not going to issue the letter or retract from IRS as I was considered a " suspect '' in their fraud investigation when it was reported in XX/XX/XXXX. This is a deplorable situation and I have texts and emails between my former boyfriend and I supporting my case. I am not the debtor on this account and was not forgiven of any debt thereof. I am requesting Chase Bank issue a letter of apology and admit their error as well as retract the XXXX from the IRS. I have suffered XXXX, XXXX, and XXXX injury as well as significant financial devastation in having to repay my creditors with fees and costs as a result of payment retractions. I subsequently dropped a protection order with the understanding he leave me alone. I continue to fear him and I consider the XXXX another form of harassment in this regard. He scammed me by providing assistance and then retracting it as well as making false claims to his creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I filed a CFPB complaint against American Express on XX/XX/XXXX, got response from the company today as of XX/XX/XXXX. However, the company refused to address my complaint by stating " During your online application you were advised based on your history with American Express Welcome offers, introductory APR offers, or the number of cards you have opened and closed, you are not eligible to receive this Welcome offer. The message also explained that no credit check had yet been performed and you were given the option to cancel the application or proceed. You elected to proceed with the application, without the Welcome offer. '' This claim was completely false. I am 100 % sure no such message was provided during my application, or I would not have proceeded with my application. In my initial complaint letter, I also clearly stated " Then I was told that on the XXXX website where one can apply for the credit cards there will be a message towards the end of the application process that tells you if you are eligible for the welcome offer prior to the final application processing. However, in my case no such message was provided during my application process. Hence, I assumed that I was eligible for the promotional offer. More importantly, XXXX should be obligated to inform the applicant immediately even if they have the so called " reserved rights '' to decline offer any time for any reason ( based on what the online agent said ). '' I suspect that the company was not even paying attention to my descriptions in the letter. Therefore, I submitted a new complaint immediately onXX/XX/XXXX. I received the same response from the company on XX/XX/XXXX claiming that I was provided with the eligibility information for the welcome offer prior to the final application processing, which was completely false. This was a deceptive marketing event and through my conversations with other American Express customers, I learned that I was not the only one affected by the recent fraud activities. I demand that this event be thoroughly investigated and further involvement of legal authorities if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2019-06-10
Company: EQUIFAX, INC.
State: CO
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:
Hello! 

I tried in XX/XX/XXXX and then again today to get a copy of my credit report and put a freeze on the account. In XX/XX/XXXXit was online ; today it was over the phone. 

In XX/XX/XXXX I received my credit report from the other two major agencies - XXXX  and XXXX ; I had no problem what-so-ever and placed a freeze on my accounts. 

Late last week my wallet was stolen containing my credit cards, bank card, driver 's license, and other id. I tried yet again today ( XX/XX/XXXX ) to get my Equifax credit report and place a freeze. Even after speaking to a manager, NO ONE WOULD HELP ME. 

I gave them my home address - XXXX XXXX XXXX, XXXX XXXX CO XXXX -associated with my credit card, but they would not help me. Neither rep tried to verify me. They both said, " we can't help you at this time. '' By the law, I am entitled to one free credit report each year, but Equifax is refusing to assist me. Their customer service is also atrocious. The manager made a racial reference. 

Is there anyone who could help me? 

Thank you and kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 have complained twice with no relief. The last time, I didn't hear for more than a month, which I thought was the maximum before they had to correct their entry. 

Ther is a bankruptcy reported on my credit reports which are NOT me. I don't know who or how, but it must be removed.

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 2018-10-01
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: Information belongs to someone else

Complaint:
I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name, Thank you in advances for you quick responses.

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My husband and I have files several disputes with XXXX, XXXX, Transunion, and XXXX, about inaccurate information on my credit report. The first time XXXX was reporting all the negative payment history and refused to include the positive payment history. After trying to dispute that, XXXX started placing IN REPOSSESSION for each month for 3 years after the car was repossessed. We sent in another dispute, XXXX, XXXX and Transunion reported the same inaccurate information. We tried to fix the problem by calling XXXX to report the inaccurate information. XXXX told us, they wasn't fixing anything, because everything they sent to the credit bureaus is correct until 2026. We explained that the account cant be still open, if we don't have the car. We also let him know, reporting IN REPOSSESSION for years on our account is not fair. He replied, it is what it is and that is what they will continue to report every month.

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 2018-08-03
Company: CURO Intermediate Holdings
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
On or about XX/XX/XXXX, I contacted Speedy Cash in person to withdraw any consent to have payments automatically deducted for a Title Loan. I was told that action was taken to stop automatic deductions. This was done at the Speedy Cash location at XXXX and XXXX in XXXX, KS. On or about XX/XX/XXXX, I contacted Speedy Cash to ask for an extension of payment on my Title Loan.  The request was granted and given a date of XX/XX/XXXX. Today, on XX/XX/XXXX, I went to Speedy Cash at XXXX and XXXX to pay off my Payday Loan and Title Loan. I was told that Speedy Cash attempted to withdraw funds from my bank account, without my permission, and that they had put a block on my debit card and I could not pay. These people are already taking advantage of the poor in America. Why are they still allowed to operate under such unscrupulous activities?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Global Lending Services LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2020 i contacted GLOBAL LENDING SERVICES for clarification on why my application for credit was denied. I was given a multitude of answers in which none made any possible since to me. One representative informed my my application was approved, but for only a partial amount of the debt created. As i asked for a supervisor i was then told that they never received an application after i gave the same gentleman the application number i received directly from the sales manager. In addition i informed both individuals that i was the comsumer and creditor within the transaction and also that i was the entitlement holder over the account of the participant. For even more clarification i then asked the sales manager at XXXX XXXX was the application considered in-house financing in which he replied yes. After relaying the information back to Global lending services they claimed they never received or approved any contract or application applying to me when i just furnished the information indicating such fact. They also required a fee to release any credit or approval to me in which i understand is a violation under title 15.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: PA
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:
Ive made several attempts all with the same result of them sending a generic we have determined this debt is yours without addressing it in a real manner. Im moving forward with attorney XXXX in suing under the FCRA, there were other errors as well that will be listed in the suit. Additionally I was unable to secure a mortgage in time so that will be added to the damages section of the lawsuit. Was hoping you can send me any information or correspondence you have had with equifax regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: American Capital Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX XXXX needs Calls and Harassment to Stop. She also wants a Stay of Medical Bills debt collections and or Negative Credit Reporting. The Billing Company named America Capital keeps calling me and or contacting me for Medical Bill payment even after I have asked her to stop contacting me. The XXXX 's Representative name is XXXX. Their phone number is XXXX. The harassment has been on going for nearly a year. I am afraid to answer phone and or be sued without notice or relief. I received assistance with communication through XXXX XXXX with American Capital.He can be reached at XXXX. 

I also need help with getting a 6 month stay under the new federal law on medical bill and negative credit reporting or usage.

Company response to consumer: Closed
Consumer complaint received 2020-07-15
Company: World Acceptance Corporation
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I couldnt pay the loan off due to the other party wasnt paying the loan. The other party agreed to make payments and didnt because of work related issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2018-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Several of my bank accounts were Frauded and invaded several times Bank of america XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX Under my social security # XXXX the very last incident Was from XXXX XXXX XXXX XXXX Nj XXXX XXXX home owner and XXXX XXXX and XXXX son Computer programmers hackers and Scammers XXXX is a script kiddy And ring leader XXXX XXXX XXXX XXXX XXXX XXXX XXXX have switched my account from bank of america to XXXX i am a XXXX resident Of georgia and they reside in nj also hacked my atm card and transactions Along with cancelling my health insurance contact me by mail only XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX For 7hrs of continuing details in progresd.

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 2016-05-13
Company: Community Health Investment Company, LLC.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I agreed to pay PASI Collection agency a set amount for 12 months. 
I gave the agency my banking information. the amount was to be debited from my checking account beginning XXXX XXXX, 2016. 
PASI did not deduct the funds as agreed. when I contacted the agency a representative stated that my account had been forwarded to their legal department. On XXXX XXXX, 2016 I attempted to contact the law office. after making contact with a representative I was put on hold, I waited approximately ten minutes and I ended the call. on XXXX XXXX, 2016 I made contact with a PASI agent to attempt find out why they did n't debit the agreed upon funds, the agent stated the agreed amount was not sufficient to satisfy the debt, at which time she forwarded my call to another department which turned out to be avoicemail recording.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03
Company: Gaskell & Giovannini, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a notification from XXXX XXXX that a negative account had been added to my credit score so I opened it up and theres a collection account that has no information on there. It is not my account nor have I ever taken out any sort of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: CAVALRY INVESTMENTS, LLC
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:
My name is XXXX  ( XXXX ) XXXX, which is a very common name. I do not currently own an account with this company. The issue is this account is being reported to XXXX, XXXX  and XXXX as delinquent and this reporting is negatively affecting my credit scores and preventing me from securing a mortgage loan to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: EQUIFAX, INC.
State: MS
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:
happened : I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abide by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Nelnet, Inc.
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I previously submitted this as complaint XXXX, but it was not tied to my CFPB account or log in. I also did not receive an email confirmation. 

One of my federal loan servicers is demanding I send them a paystub within 90 days. I already sent them verified IRS data about my income. This is for the Income Driven Repayment Plan. This is not allowed under 34 CFR 682.215. I tried to call them and they were not helpful and did not understand my complaint. They said it is simply their policy but was not able to identify where this policy comes from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am noticing this debt on my credit report in which I have no knowledge of. I never received any notices but to my surprise it is showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I mailed a payment check for {$11000.00} to Barclays Bank to payoff a credit card balance on XX/XX/XXXX. The check was sent in with the payment coupon to the address on the coupon, and the last four digits of the account were printed on the memo line. I have a copy of the canceled check that was cashed by Barclays on XX/XX/XXXX. Barclays has not posted this payment to my account. I contacted Barclays several times and was told they would research the payment and contact me with a resolution. They were able to confirm that they received and deposited a check for {$11000.00}, but have no idea what account it went into. To date, there has been no resolution and I am forced to continue making monthly payments on a balance that I have payed off. 

I contacted Barclays on following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No one has ever contacted me to ask for any documents related to this issue, not even a copy of the cancelled check that was deposited into a XXXX XXXX account assigned to 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