BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-28
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, on XX/XX/2020 I noticed several unauthorized charges on my debit card with regions bank. Shortly after, new charges popped up labeled ATM Fee which showed that these charges were actually several different out of network ATM withdrawals. I immediately contacted the bank, and notified them and started the claim process. The interesting thing is though that my card never left my wallet, and I was working at the time of the transactions. Yesterday, a week after filing the claim, I was notified that the claim had been denied and I would not be refunded my money, and am out of over {$700.00}. Even though the associate who filed told me that there are many ways my card could have been cloned and used, this was there reason for denying my claim. I am extremely upset to have lost money and have been a great value customer at regions with no issues until this.

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 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. 

I waited too much for the response of the credit bureaus.

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 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
Spoke to XXXX XXXX over 10 times since XX/XX/XXXX. They said they were going to remove this negative information of my credit report because it was clearly not my fault. XXXX   canceled my Auto payment and my manual payment because there was a lapse on their system when you extend a lease. I did my part on ensuring my payment was made however do to a lapse on their online system my payments were canceled. I was reported late 30 days for the month of XXXX although I clearly made payments and received confirmations for those payments. They gave me multiple reference numbers however all they do is give me the run around. They are causing me extreme hardship because of the negative impact on my credit report causing me to not be able to get a mortgage. One of  their reference number I received from XXXX is XXXX. My auto payment was canceled XX/XX/XXXX and my manual payment was canceled was canceled XX/XX/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 2021-11-29
Company: JPMORGAN CHASE & CO.
State: CT
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:
Chase credit card balance transfer : I have been a Chase credit card customer since 2014, and have a history with the Bank of paying the balance in full each month. On XX/XX/XXXX, I initiated a balance transfer for {$410.00} and was changed a balance transfer fee of {$16.00} in order not to be changed interest for the next twelve months on the balance transferred. The first payment was made without an issue. 

Then on XXXX XXXX, I made a purchase of {$23.00}. That month the mobile app was not clear how much to pay in order to avoid interest charges on the purchase, so I made the minimum payment. On XXXX XXXX, I was changed interest@ 24.99 % - more than twice the amount charged on the card that I originally transferred from- on the unpaid balance of the purchase. I complained and Chase reversed the charge. Then next month I paid more than the minimum balance, thinking I was paying for the purchase. 

On XXXX XXXX, I was charged interest, again. Once again I called Chase to complain. This time the representative told me she would reverse the interest charge, and if I pay {$58.00} that will cover my minimum payment on the installment and the purchase amount so that I will no longer be charged interest. I made that payment on XXXX XXXX. 

On XXXX XXXX, I was once again charged interest. I call Chase on XXXX XXXX to request the charge be reversed. The representative told me the system would not allow her to reverse the charge. I requested a manager. The manager told me that other customers find it confusing regarding the amount to pay to avoid incurring interest charges on new purchases. Finally, she reversed the charge and told me I will not incur any more interest charges as long as I do not use the card for new purchases and continue to make minimum payments on time. 

This is resolved for now. I am complaining because the manager stated Chase is aware of the confusing billing but instead of enhancing the billing statement to make it clear the balance that needs to be paid to avoid interest charges on new purchases during the promotional period, the Bank continues to create misleading billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
RE : Receivables Management System ( XXXX XXXX XXXX XXXX VA # XXXX ) My name is XXXX XXXX XXXX I am XXXX-year-old XXXX woman on SSDI. As of XX/XX/XXXX I resided at XXXX XXXX XXXX. XXXX, VA XXXX ( tele ) XXXX XXXX XXXX ( 1 ) Complaint for Attempts to collect debt not owed. I was a designated user on the primer XXXX XXXX XXXX XXXX XXXX XXXX account : I had no knowledge of any debts owed or unpaid balances until it was posted to my credit report after Mr. XXXX. possible default?? ). However, Receivables Management Systems are currently assessing me interest and fees on a debt which I have not agreed to. 
( 2 ) I never received an original notice in XXXX from Receivables Management Systems, or any written notification about a debt owed. I was not afforded the opportunity to dispute a debt nor was I privy to any knowledge that I could, dispute the debt. My first notice was found on derogatory remarks on my credit report two years ago. 
( 3 ) Per XXXX Credit report XX/XX/XXXX, the actual date of Birth on collection account was not my own. The incorrect Birthday was XX/XX/XXXX. I have since corrected the wrong birthday in an XXXX   complaint. 
Per the Credit report the maximum, limit ( highest Balance ) on that account debt was {$340.00}. They have disfigured my credit report by stating I owe {$630.00}. Receivable Management Systems collector has used false, deceptive, or misleading representation in connection with the collection by falsely representation on my credit report. The character, amount, of their originators/debtor is in error. Further, as stated 15 USC 1692f 808. Unfair practices ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I have not ever agreed to pay interest or fees to XXXX XXXX or Receivable Management Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Experian Information Solutions Inc.
State: TN
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've taken the liberty to look through my credit profile and noticed that my accounts had quite a few errors on it. I saw that I was 30 days late on some of the accounts attached and I've never been late on any of my payments and disappointed that this has happened after carefully been avoiding that from ever happening. I don't know if this was a clerical error or some fraudulent activity is happening but I would greatly appreciate if this matter can get handled.

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 2017-08-03
Company: PREFERRED CREDIT INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt was setttled with Preferred Credit for the amount owed and I was sent XXXX. This company should no longer be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
At XXXX today I received a text from XXXX notifying me of a change on my credit report that I should look into. This is the free service provided by Equifax as a result of their huge security breach. The web page for log in does not load. The equifax website itself has no working contact info. No phone, just a chat box that does not work either. My browser is fully updated. This is outrageous that Equifax is still allowed to operate without consequence in this manner. I want your agency to fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Thank you for your inquiry. I am currently checking my files. However, I am currently unable to pay you anything at this time and therefore I must refuse to pay you. If my situation changes, I will let you know. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Experian Information Solutions Inc.
State: LA
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 contacted the bureaus are several locations about accounts that were supporting to the credit bureau on my behalf these accounts or allegedly not mine I have no knowledge of these accounts and most of these accounts were settled in my divorce when I divorced my wife five years ago I would like to have a cow still be removed from my credit file and my credit file update to show accurate and correct information the accounts or Louisiana Child Support, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX 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 2020-08-28
Company: EQUIFAX, 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/XXXX, I received a letter from CFPB stating Experian is still working on their process ; however, I received credit reports from all three credit reporting agencies seeming to not want to change a thing. I'll explain per credit bureau to be fair. As of XX/XX/XXXX after my reporting to CFPB XX/XX/XXXX XXXX letter is stating their reported inquiries will remain for XXXX XXXX XXXX XXXX # XXXX, who is on my BKXXXX Discharged XX/XX/XXXX but publicly viewed on my credit report. Every loan for my education is shown for student loans and my BKXXXX is still being acknowledged as well through XXXX but I have documentation from XXXX they will not only stop reporting my details which is attached, but also documentation emailed to me by the XXXX XXXX, NV Federal BK Court that they do not take any part in reporting Bankruptcies to any credit reporting agencies, which is also attached. After my report to CFPB XX/XX/XXXX. 

For Experian, on XX/XX/XXXX, I received documentation from CFPB that they are still working on the process of removing items, but, as of XX/XX/XXXX, I received two credit reports from Experian, I only need one, I am fighting ID THEFT majorly, they are still reporting XXXX XXXX XXXX # XXXX is fraudulently being reported as of XX/XX/XXXX I did not do, stated to them multiple times but still nothing has been done. Also XXXX XXXX # XXXX, although on my BKXXXX is still being reported as information to be known that they are on my BKXXXX, Discharged XX/XX/XXXX, this should not be publicly known and should be removed but they refuse. They also refuse to remove old adresses that I have had information stolen from all these addresses with multiple reports to FTC and ID theft.gov regarding these addresses ; such as, XXXX XXXX XXXX # XXXX, XXXX XXXX, NV. XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX # XXXX, XXXX XXXX XXXX, XXXX, CA. XXXX # XXXX, and for some reason there is an old address for my current address without my residence number XXXX as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV. XXXX # XXXX. They won't remove an old number XXXX as well. That is for Experian # XXXX. 

XXXX # XXXX, as of XX/XX/XXXX refuse to update my address to XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV. XXXX. They refuse to remove my BKXXXX, although it is acknowledge that the BK Courts do not report to credit reporting agencies as public acknowledement, as well as every student loan made shown as notice on my credit report although I am on XXXX under a federal program,

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 2018-07-11
Company: SUNRISE CREDIT SERVICES, INC
State: TX
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:
ftc filed hacking issues and police report all sent

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 2021-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 started working on repairing my credit about a year ago. I have sent disputes to XXXX, TransUnion, and XXXX on a loan account for a motorcycle, with XXXX XXXX. The most recent was sent in XXXX XXXX XXXX ). They all sent back that it was Verified as Accurate. However, the account NAME does not match up .... nor do the addresses, or STATE of the creditor. It's also stating that the account was a PAID CHARGE OFF ... XXXX however one report says {$1200.00} was paid, one says {$700.00} was paid, and they ALL 3 have DIFFERENT YEARS for the closed date. This is really affecting my credit negatively, and I have tried everything I can to prove to them that it is inaccurate.

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 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
AS OF XX/XX/2020, A COLLECTION ACCOUNT WAS REPORTED ON MY PERSONAL ACCOUNT FROM A CREDITOR I HAVE NEVER HAD.I CONTACTED TRANSUNION CONCERNING THE MATTER AND THEY HAVE DONE NOTHING TO RESOLVE THIS. THE CREDITOR REPORTING THIS IS A XXXX, XXXX XXXX  XXXX AND NEVER IN MY LIFE HAVE I BORROWED MONEY PERSONALLY FROM THIS ENTITY. IT IS BAD ENOUGH TO BE STRUGGLING FROM COVID-19 BUT TO HAVE THIS HAPPEN TO ME RIGHT NOW IN THE MIDST OF BUYING A HOME FOR MY FAMILY, TRANSUNION HAS LET ME DOWN.

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 2018-02-09
Company: AMERICAN EXPRESS COMPANY
State: UT
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 called in to American Express in XX/XX/XXXX to inquire about my Annual spending on my Delta Reserve card. The purpose was to see how close I was to my annual {$60000.00} required spend to receive an additional XXXX delta MQM 's which would have taken me to the next medallion tier with Delta. I spoke to a US Based representative who informed me that I had met the required spend in XX/XX/XXXX and would receive my MQM 's aprox XX/XX/XXXX and assured me that I didn't need to do anything else. When those MQM 's never came from Delta, I called in again in XX/XX/XXXX to inquire. I was informed at that point that I was previously misinformed and that the card spend was on different AMEX cards ( I changed in Q1 from a business reserve to a personal reserve ) and for that reason I did not qualify BUT since the damage was done and I was led astray by AMEX, they would open an investigation and pull the call logs from my XX/XX/XXXX call. If they could confirm ( which they did ) that I was told what I claimed ( which I was ) that AMEX would without doubt honor their mistake. I was told that would take 3 days and then AMEX would call me back. After 3 days I called again and was told that in fact it could take up to 60 days. When I advised that the time frame was unacceptable they escalated my compliant and I was told I would hear back in 14 days. After 14 days and no call from AMEX, I called and and spoke to US based supervisor XXXX ( # XXXX )  who assured me she would get to the bottom of things and would call me 3 days later on a Monday.. On Wednesday/Thursday I called in again and spoke to US based supervisor XXXX ( # XXXX ) who assured me that I would get a call back from XXXX right away. That never happened and I've since talked to 2 more supervisors who promised they would help and of course I never heard back. Several times I've been assured that AMEX would do the right thing and honor what they told me but no one there seems to care or have an ounce of accountability. I need help please!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14
Company: SUNTRUST BANKS, 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 information incorrect

Complaint:
As of XX/XX/XXXX the remaining loan balance prior to an unlawful repossession was {$3100.00} The company then added on {$5000.00} in fees. Failed to disclose the sale of the vehicle in auction accordingly. 
The company continually refuses to provide proper documentation regarding the fraudulent and exhorbitant fees. 
The date of first delinquency is XXXX of XXXX After multiple disputes directly and through the credit bureaus the company continues to update the account by re-aging the late payment status and continues to reflect an incorrect balance

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 2021-03-28
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
good afternoon I contact you because I received a letter from a company called radius saying that I have a balance with them that account is not mine and I would like you to review the account to investigate what is happening someone has asked for credits in my name without my consent.

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 2017-08-06
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called these companies to have all my inquiries removed because some one tried to apply for credit cards in my name and was not authorized to do so. Now these are listed as hard inquiries on my credit report with the 3 bureaus. None of the inquiries have been removed yet. XXXX XXXX- Hard Inquiry- XXXX XXXX XXXX- Hard Inquiry- XXXX, XXXX Chase Card- Hard Inquiry- XXXX, XXXX XXXX- Hard Inquiry- XXXX, XXXX XXXX- Hard Inquiry- XXXX XXXX XXXX- Hard Inquiry- XXXX XXXX- Hard Inquiry- XXXX

Company response to consumer: Closed with explanation