BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-01
Company: JPMORGAN CHASE & CO.
State: IL
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 have been reporting to my bank for the last 3 months about a charge from XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Il. This company has charged me XXXX dollars for items i never received. I have proven to the back this and the have refused to chargeback or return my funds. This company has fraudulently forged my signature and I have provided to the bank my correct signature. At this point after I have been fighting with the bank for over 3 months they are telling me that visa says they are out of time so even though I have provided the documents and proven it was fraud they ca n't help me. Seven though I notified them of this in XX/XX/XXXX and here it is XX/XX/XXXX and they are saying they ca n't help me anymore. Chase is my bank and I have spoken to Number of people even a escalation team. XXXX XXXX is my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: OK
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:
There are several accounts on my consumer report in which are unfair and inequitable to me the consumer. I never gave Equifax my written consent to furnish any information on my consumer report on my behalf. The banking system is dependent upon my credit report being fair and accurate. These accounts are inaccurate, and unfair to me as the consumer. Please see the attached letter and report for the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am not presently working, so my wife called our mortgage servicing company ( Fay Servicing ) several weeks ago to apply for deferment until I start working. She was told the request will be forwarded to our account manager, but we did not hear from her ; therefore, on XX/XX/18 I sent her an email explaining our financial situation and stating that we need to apply for mortgage payment deferment. We have not heard from her up to this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Have attempted multiple times to contact company to start paying off with monthly payments that are affordable for me, but no one would ever return my call.

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 2020-09-01
Company: ResidentCollect, 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: Information belongs to someone else

Complaint:
On XX/XX/2019, Innovative Recovery Inc added a derogatory remark on my credit report per XXXX XXXX. Upon further research, this account was transferred and I am no longer reliable for this account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate a debt and anybody can send me a bill and say it's mine. According to the FCRA, INNOVATIVE RECOVERY has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent certified letter to Jefferson Capital System agency on the following dates requesting the amount owed to be updated : XX/XX/2020, and XX/XX/2020 and no response received as of XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-15
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$8800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$8800.00} -This is not my 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 explanation
Consumer complaint received 2019-05-28
Company: Credit Karma, LLC
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:
Credit Karma notified my husband that he had been added as an 'authorized ' user on " some one 's '' ( unidentified person ) credit card. He was then asked to click on a link ... a clear indication that it was a phishing scam. This is out of control and unacceptable. We have sent a message to Credit Karma that we would be lodging a complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 contacted TransUnion and XXXX  regarding multiple inquiries listed on my credit report that I do not recognize. I contacted both agencies multiple times between XX/XX/2018 and XX/XX/2018. Both agencies refused to investigate the inquiries, stating that they do not have any obligation to ensure the accuracy and legitimacy of inquiries listed on the reports maintained by their respective agency. I was directed by both agencies to contact the companies making the inquiries. I did so and was instructed by them to contact the reporting agencies as it was their responsibility. I reached out to TransUnion and XXXX  again, this time requesting documentation showing that the inquiries were compliant under the FCRA and both agencies said they could not provide me with that information. They also told me again to contact the individual companies making the inquiries to dispute the information, and that I could not dispute the information with TransUnion and 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 2021-01-20
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from California Business Bureau back in XX/XX/2020 requesting a payment of {$300.00} and change. I contacted them and escalated the matter to a XXXX by the name of XXXX XXXX to explain to her that this charge is wrong, unauthorized, and I have the proof from the doctor at XXXX who was trying to help me resolve it ( attached ). Ms. XXXX asked me to send her the proofs which I did in my email dated XXXX ( attached ) to look into this matter. On XXXX I got a notification from my credit bureau that there's a collection on my bureau ( attached ) and my credit score dropped by 80 points. I called California Business Bureau left multiple unanswered messages to Ms. XXXX today XXXX. Finally they transferred me to Ms. XXXX XXXX. She acknowledged having received my dispute and documents back in XXXX, and acknowledged that they have not sent me any form of communication in response ( no email, mail, phone call, text message ... nothing ). They did not even try to collect the money since then. Instead they went straight to the bureau and ruined my credit. She offered to make a payment and she would " remove the collection from my bureau '' to " help me ''. I didn't trust that this is possible, I was willing to pay something I don't owe for them to restore my credit. I felt helpless. I asked multiple times why didn't anyone send me any communication in response to the dispute since XX/XX/2020? No explanation given other than " it's your credit sir ''. This is too much power that no-one should have over any person. I am glad to find that I do have a recourse by filing this complaint.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: F.H. Cann & Associates, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
F H Cann and Associates Incorporated XXXX XXXX XXXX # XXXX, XXXX XXXX, MA XXXX has an abusive call policy : they record all calls and do not allow consumers to request not to be recorded -- their policy is to hang up on those calls, creating a harmful environment for consumers that want want to verify their legitimacy while not being recorded. Agents refused to answer company information that is public knowledge like their physical address which created me harm when thinking they were a scam. Their agents and supervisors make it seem like this scenario is the consumer 's problem and use language that felt like I was to blame. I heard phrases like, " Whatever you ask me, I don't know '' ( XXXX XXXXXXXX ) which makes them feel like a scam. I heard, " Are you done? '' ( XXXX XXXX  ) in an aggressive tone from a supervisor which belittled my legitimate concern. One of the agents ( XXXX XXXXXXXX ) created a hostile environment for me when his crying child appeared in the background of my formal complaint. Also, it took an outrageous amount of time or I received hostile answers from agents XXXX XXXX, XXXX XXXXXXXX and supervisor XXXX XXXX. The phone number that supervisor XXXX XXXX provided to reach Manager XXXX XXXX at XXXX did not have a voicemail available and instead had the unhelpful runaround XXXX XXXX. Supervisor XXXX XXXX 's notes say she explained their Recording Policy as " security reasons '' but I do not remember that explanation in our call. F H Cann and Associates needs to not hang up on calls that request not to be recorded and should have the ability to control their call recordings. F H Cann and Associates needs to answer public knowledge questions about their company when asked. F H Cann and Associates needs to ensure the staff mentioned can appropriately handle escalated calls in a way that doesn't blame consumers for these legitimate concerns. Calls from XXXX at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Byrider Franchising, LLC
State: WI
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:
I had an arrangement and kept it to pay off the loan with JD BYRIDER. It is still showing on my credit report as a judgement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
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: Account information incorrect

Complaint:
XXXX XXXX is reporting an account in the amount of XXXX to credit bureaus. The account was charged off in XX/XX/XXXX with a balance of {$13000.00}. The vehicle was sold for XXXX. The cost of repossession was approximately {$1100.00}. The company starting charging interest on the account after it was charged off and closed with out sending me any detailed statements about the interest. The company reported this account in XX/XX/XXXX with an amount of {$9100.00}. They kept charging interest until XX/XX/XXXX when the amount reached {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: CITIBANK, N.A.
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
CitiBank closed our Costco Anywhere Visa account with NO WARNING based on, I believe, a statement about our being behind in our payments. ( I can no longer find that email. ) Reviewing our payment history since XX/XX/XXXX, the only payment missed was the XX/XX/XXXX payment. This payment was missed purely because of human error but no contact was made notifying us that the payment had been missed. 

When the XX/XX/XXXX payment was made, the payment was made in the amount of the required minimum payment shown on the account. 

This closure of our account as destroyed our credit score! 

I have attempted to contact CitiBank to no avail ( put on hold forever ). 

We do not care to have the account re-established but do need to find some way to resurrect our credit score!

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 2020-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2020, i mailed transunion a letter because i saw inaccuracies on my credit report. I asked them to verify the account as I read that they are required to do so by law. it has 3 months and I still haven't received any correspondence from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Southwest credit systems has furnished information on credit file regarding XXXX bill. Made contact with XXXX and company unaware of debt. In addition requesting signature for contract. This company has furnished, unfurnished, furnished on credit file. This is unacceptable and a violation according to FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XX/XX/2018, I spoke to XXXX XXXX ( PNC bank rep ) and regarding the service fee charged to my account. XXXX was able to reversed the service fee charges and informed me that the account needs to have XXXX $ minimum balance to avoid being charge again. Hence I made a deposit on the same day ( XX/XX/XXXX ) which gives me a balance of XXXX . But 3 weeks later I get the bank statement with the service fee charge again. Talked to several PNC rep ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) but they are just a waste of time to deal with. I made an typo error in the address change and they informed me that it takes 3 business day to update the address change and can not do any thing until it is updated in their system : Ex 123 AbcAve => should be 123 Abc Ave. In this day of business and technology where information is updated in split seconds, it should not take 3 business days to update the correct address, especially when there is email and text message to verify electronically. I realized PNC bank does not have a good business practice and need to file a complaint. But PNC does not have formal form or procedure to file a complaint, hence no documentation or transparency of complaint is maintained. This is a " Pretty Nasty Company '' ( PNC ) business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On the following dates XX/XX/2018 and XX/XX/2018, I drafted and mailed dispute letters to TransUnion in regards to inaccuracy that they are reporting on my credit profile. The accounts are as follow ; XXXX - Closed XXXX - Closed These two accounts are reporting late each month though they are actually closed.

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 2018-10-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My issue is related to an American Express Business Credit Card. I have been enrolled in a credit monitoring service for years. I never received any notification of a credit application, or an account in my credit report, nor did I ever receive a card, bill, or notice. Out of nowhere, I get dinged by AMEX and my credit score drops 160 points for a credit card default of {$15000.00}. I call AMEX and they will not provide me with any statements, any mailing address/email address information on the account, or if any payments had ever been made and by whom they were made. They tell me that I am personally liable for this debt. They also told me that AMEX Business Credit does NOT report to any credit agency UNTIL an account is in default. In this day and age, how is this possible? There needs to be some regulation that any credit account ( personal or BUSINESS ) that requires the credit bureaus be notified of an application AND the account posted to the " guarantors '' credit report. AMEX is NEGLIGENT in this matter. They need to remove this debt from my credit report, and my credit score needs to be reset to it's prior value immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-20
Company: PINNACLE RECOVERY, INC.
State: FL
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:
We bought a Timeshare at the XXXX XXXX XXXX, XXXX XXXX XXXX, thru a Timeshare Resale company. The property was paid in full. Used it once, not what we thought it would be. We offered the company to take back the property totally free, we just could not keep paying the Maintenance & Taxes. They refused. 
We stopped paying the M & T and eventually they sent it to Pinnacle Recovery , Inc for collection. This happened so long ago that I do not have exact dates. However this debt is way past the Statute of Limitations and should not be pursued anymore, much less putting it in our credit report. This could not be happening at a worst time since we were just approved for a mortgage and there should not be any significant changes in our credit scores.The daily calls and frequent letters also became very annoying. 
Please help us resolve this as quickly as possible for we do n't want this to interfere in our new home purchase. 
Thanks.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: IL
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've been working on getting these accounts off my credit for about two years. None of these accounts are mine. I've never filed BK in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: Embassy Loans
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I made my first title payment late because it was for more than I expected and I did not have the money to pay for the loan because it was an unexpected highest payment due to them slipping in a damage waiver adding {$700.00} to the {$1500.00} loan amount that I had expected. I was asked to add the damage waiver even tnough I carried full coverage insurance with XXXX. I got a phone call from them when I was one day late and they are now saying that I have to pay the commission waiver fee off with my {$1500.00} loan. The interest is 30 % and my payment jumped from {$150.00} to {$200.00}. They also want {$15.00} in late fees and {$6.00} to make the payment online or {$12.00} on the phone. Embassy Loans has has my loan for less than two months and they have lied to me, tried to take advantage of me as a single woman, and threatening to repossess my car! I am waiting on XXXX and I am in need of my car for medical appointments and at times have had to live in the car. I would like to refinance with better terms and I am grateful for your help! Please call me at ( XXXX ) XXXX with any questions. Thank you for your consideration!

Company response to consumer: Closed with explanation