BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My complaint is the disclosure of the rules regarding tier points for the XXXX XXXX XXXX XXXX  Card. As I have learned only after receiving and using the card for a few months there is a difference between the Plus card and the Premiere card. I only learned of this after the first two billing cycles. Before 2 days ago I did not know there were two different cards. I carefully read through the rules and regulations that were publicly disclosed when I applied for the card and did so with the understanding that tier points would apply towards XXXX A-List status. Only when the tier points for the XXXX18 billing cycle were not credited towards my A-list status did I inquire. Then and only then did I learn of the existence of a second card, the so-called Premiere.

When I called to find a solution to this problem I was told that Chase would do nothing to help. Yes I was willing to pay the {$30.00} difference. At that point to me a line was crossed from an onerous and confusing disclosure on the part of Chase to that being a deceptive business practice. I escalated the complaint in writing, cc-ing XXXX XXXX XXXX of XXXX XXXX, their cohort in this wrongful deception.

I received a form letter from Chase that they would do nothing to help. Neither has XXXX responded aside from a postcard and a complaint number, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: HW Holding, Inc
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a new phone number for about one year. This Hunter Warfirld collection company is looking for someone else, not me. They call 3-4 times per day, always a different phone number leaving multiple messages. No one ekso can leave a message, they fill my box.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
i am working on resolving on my credit card debt in general, i have asked this particular phone called in general to stop calling and got a nasty response of a live person that it doesn't work that way without even hearing the story, i refuse to receive abusive tempting calls, especially after blocking one of their phones already, i have asked again to stop calling but the person on the phone did not think its a reasonable request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX # XXXX placed on XXXX was returned because I was sent incorrect style of sunglasses, purchase date shows as XX/XX/XXXX on statement. The item was returned via USPS parcel return service on XX/XX/XXXX, it it still unclear if a refund will be issued or not, the phone rep I spoke with earlier said it is being worked on but had no other information. This is not the first time I've been sent an wrong item, XXXX XXXX has sent me items in the past which have turned out to be wrong item/style. I emailed a XXXX XXXX on XX/XX/XXXX requesting a refund in advance of receipt of item due to situation, wrong item sent. She referred me to a XXXX, I left her a voicemail on XX/XX/XXXX, did not call me back and it is now XXXX. I request Capital One, the bank whom issues the card I placed order on, to dispute the charge with the information I provided above. They should be able to track the return through XXXX XXXX and the order number I provided, the return label was provided by the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
I did not know I owe any money to XXXX XXXX XXXX XXXX XXXX until I schedule an appointment. Therefore, I, immediately, paid {$200.00} to XXXX XXXX XXXX XXXX XXXX in XXXX, New Mexico. I never dealt with a collection agency in any of the dept they are reporting in their remarks as " paid collections. '' This is incorrect. As of XX/XX/2018, I do not owe any money to XXXX XXXX XXXX XXXX XXXX ; however, they are, also, reporting I owe {$200.00} on TransUnion credit report as I attached this file. Furthermore, I received a ledger from XXXX XXXX and, not a collection agency.

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 2020-08-31
Company: SUN LOAN COMPANY INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Can't contact lender or servicer

Complaint:
I had a loan with sun loan /XXXX XXXX XXXX reporting to all 3 credit  bureaus the amount of XXXX I have a validation letter from sun loan stating company was sold and I don't owe debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Account # XXXX Amount {$4800.00} No knowledge of this account

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 2018-11-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am having a problem with charges for goods and services that weren't delivered as agreed.On XX/XX/XXXX I ordered Qty 5 XXXX  XXXX XXXX network dome cameras from XXXX using my USAA credit card. Item showed shipped with USPS tracking numbers with an expected delivery date of XX/XX/XXXX. I never received my order and upon checking the tracking numbers online I showed delivered XX/XX/XXXX at XXXX Delivered, Front Door/Porch. I did not received my order and contacted XXXX on XXXX XXXX and they stated they would look into it. After a few days I contacted XXXX again and they stated that it showed delivered and that there was nothing else they would do. I contacted my credit card issuer USAA and opened a dispute for services not delivered. On XXXX XXXX Usaa credited my account {$590.00} while they investigated the dispute. On XX/XX/XXXX Usaa charged back the {$590.00} with a letter from XXXX stating that the order was delivered. I called USAA back to inform them that I still had not received my order, that I never signed for anything and my order was not on my door step as stated. Usaa advised me to contact the post office and there was nothing further they could help me with and would not remove the charges on XX/XX/XXXX. I contacted the postal inspector and they stated I would have to open a claim with the merchant and or credit card company which I had already done. I still have not been refunded for the merchandise I ordered and did not receive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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:
I have sent several disputes into XX/XX/XXXX requesting for the following collection to be removed XXXX and XXXX XXXX XX/XX/XXXX XXXX however the negative markings are still be reported Monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My identifying personal information ( e.g., name, address, SSN ) is at risk to be stolen and for identity theft from now until the day I die due to Equifax 's security breach. 

Equifax stored my information, and hundreds of millions of others, without asking for anybody 's consent and did n't maintain a secure enough system to guard our personal information.
In addition, the U.S. government itself allowed social security numbers to  act as personal identification numbers even though these two concepts are n't the same at all. It is a nightmare to get a new number issued, but it is imperative to have one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: GOLDMAN SACHS BANK USA
State: ME
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Investment fraud + deception hinged on " Promotional Investment ''. ( XXXX incentive ) A check for a 90-day minimum investment amount ( XXXX ) was cashed on XXXX by the banking institution ( Goldman Sachs MARCUS ) . The check was submitted to the address provided by the bank. They couldn't corroborate receiving the funds despite bank 'roller ' numbers on the back of the check and deposit tracking numbers are indicative.. ( The bank clearly deposited the funds, It required nearly three months for the institution to track where " they '' deposited the funds. ) In the interim it took : 18+ hours of phone calls, 17 different customer service reps in 3 US states, 4 escalation reps, 5 supervisors, 4 fraud dept. specialists to net a {$25.00} XXXX XXXX  ( The bank re-opened the account on their own volition ) and during the entire period " promises '' that the ( XXXX ) promotional incentive deposit would be executed providing the funds were not withdrawn. 
At day ( 90 ) I requested the account be closed and funds returned. The bank said another 14-days would be required. On days ( 104 ) I REQUESTED the account be closed and they informed me " you didn't meet the deposit 'deadline ' of XXXX. We are not honoring the promotion deposit ( XXXX ). Then they indicated the issue was 'under revue '. We waited another ( 5 ) weeks and were informed that they notified me : " we are not compensating you the promotional ( XXXX ) incentive. They also ( Falsely ) stated : " we informed '' you of this. Cleary the latter " Informed '' is less than forthright.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: Atlanticus Services Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been in the hospital for 21 days and have been unable to work due to this. I have been extremely ill for 3 months and have been falling behind financially. I was unable to make my payment on time to XXXX, however they were not willing to work with me. It is now showing as late on my credit report which I have worked so hard on trying to fix. I do not want to file bankruptcy if I can help it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 appreciate CREDIT BUREAUS ' time to REMOVED some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 XXXX, XXXX and TRANSUNION are required to remove any items listed on an ID THEFT REPORT XXXX. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please remove the followng items Per FCRA 605B ( 15 U.S.C. 1681c-2 ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, MI XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Date 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 non-monetary relief
Consumer complaint received 2023-05-15
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-06-11
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made a purchase using my Paypal account on XX/XX/20. It was a purchase made via a XXXX ad. I later read through some of the comments and realized this was a fraudulent seller and I should cancel the transaction. I sent an email to the seller and it came back as undeliverable. I contacted PayPal to dispute the transaction on XX/XX/20. I disputed as items not received. On XX/XX/20 I received an email from PayPal that my claim was denied and the items had been delivered. The tracking info they provided said the items were delivered on XX/XX/20. This is before I made my purchase! They have denied my claim and I am unable to speak with anyone. Please assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-22
Company: Experian Information Solutions Inc.
State: TX
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:
In XXXX XXXX I called XXXX XXXX to make my monthly payment, decided to pay 2 seperate pymnt in order to pay 1 month in advance.I had no idea when fraud occurred & credit  union cancelled my card that XXXX pymnts were not paid. No NSF fees, trying to recover cash, contact all auto-debitors, finding unknown SS #, addresses, employment, credit inquiries, attempts to finance a vehicle and more connected to my credit report ... what i later found to be XXXX recorded messages in my vmail sound like telemarketing, incomplete, started with 2 min white noise, cut off with incomplete info & was unsure who called. They reported me dropping my credit score 42 pts overnight.I was in 1st stages of home equity loan to upgrade my home, this ruined all arrangements for that.I spent hours, days, made over 40 calls to XXXX/Experian, Corporate promised me a callback in 10 min, after visiting a store manager asking him to please call in order to attempt getting someone to help me, they never called.He was embarrassed for corporate. I tried everything, I explained the fraud, offered credit union statements, proof no NFS fees, you name it and they referred me time and time again to Experian who referred me back to XXXX. Started on XXXX XXXX and it is XXXX XXXX, no one has ever responded to my calls, emails, requests for help, complaints, nothing but a runaround from a huge chain that never sent a letter about my missed payment, never responded to my many emails or phone calls, but manages to blow up my email daily with duplicate " offers '' in an attempt to entice me to spending more money. They make sure they have the resources for marketing while leaving long time customers hanging in the wind with no answers or assistance of any type. Paying them off income tax time and destroying the card which I have not used in months.Bottom line, XXXX did not make a effort to contact me about the payment via email, phone or mail other than a poor recorded call that lacks required contact information. In the end, I was promised help the never came, a phone call from the gentleman at Corporate that oversees accounts who I was told is unable to accept phone calls in his office.

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 2018-07-19
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted SW CREDIT regarding account ASSOCIATED WITH XXXX on 3 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have faile to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have also informed them that I am a victim of identity theft and this account is a result of identity theft. There is no contract and furthermore I have not had any dealings with SwCredit nor the company XXXX it represents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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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 2018-11-04
Company: Byrider Franchising, LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We purchased a XXXX XXXX  from XXXX XXXX in XXXX and then we traded this car in XX/XX/XXXX to XXXX XXXX. XXXX XXXX paid XXXX XXXX {$5500.00} as in contract to retain the original title and complete the trade agreement for a brand new XXXX car. 
We do not own or are liable for an account that was closed due to a trade-in vehicle purchase! Weve validated the balances and XXXX XXXX is claiming a debt that is mistaken, inaccurate, and deceptive. We have a copy of the XXXX contract stating they paid off XXXX. XXXX off and additionally, our paid fees to XXXX XXXX would have fulfilled our obligations ... we have proof of this trade and XXXX XXXX is scamming us and destroying our credit. They have falsified records and are using predatory financial tactics to collect a debt from a car they no longer own or are the lien holder to-How can they collect a debt for a car they or we do not own?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation