BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-20
Company: DISCOVER BANK
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.The date of last active and last payment is not reported consistently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, JPMCB CARD XXXX, JPMCB CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I C systems has reported a medical debt from the same event as XXXX multiple occurrences listed as derogatory marks on my credit report. This debt should have been paid by my secondary insurance at the time was not aware of any balances would arise.

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 2016-09-20
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I 've had this company call my work after i 've told them that I cant receive call at work1 I 've even given them my correct number to call me at but they keep on harassing me at work and leaving messages to my coworkers. ic system

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 2023-09-20
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX  this account is reporting inaccurately on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the inaccurate information be updated to reflect my accurate payment history. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2022-07-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Earnest Inc.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
About a month ago, I changed my autopay settings to add a new bank account and to change the payment frequency. I also requested to delete old bank account that I no longer have access to. Despite making these changes, Earnest drafted my old bank account at on XX/XX/23 for {$990.00}. I have asked them to delete this account and to pay for these fees associated with their unauthorized debit of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXXXXXX and 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 2018-10-25
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Chase Bank. 
Checking Account. 

On or around XX/XX/XXXX, I was alerted that my Chase account was overdrawn. I quickly made a check deposit online for {$200.00} to resolve the negative balance. It was my indication that the check would post the following business day XX/XX/XXXX. 
On XX/XX/XXXX I made several purchases including my medication at XXXX. Come to find out Chase had put an 8 DAY hold on a check they already knew was good. As a result I was charged 3 {$34.00} NSF fees which resulted in my balance going negative. I called Chase and the hold on the check was released, I was told the hold SHOULD NOT have been placed. I sent Chase a message via their secure message service requesting a refund of the NSF fees, I was essentially told I don't " qualify '' for a refund. I've been a Chase customer since the 1980 's, I've deposited $ 10s of thousands of dollars to them. I've recently been the victim of a theft from my Chase accounts. All I'm asking for is a measly {$100.00} refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-11
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am co-signer on a student loan taken out by my daughter about ten years ago. It was taken out through XXXX but is now serviced by Navient. Due to problems my daughter experienced in collecting her pay for her job, she stopped making payments. She did n't tell me. The loan has recently gone into default. The only written ( US Mail ) notice I received from Navient was recent, telling me that the loan was already in default. ( There may have been email correspondence telling me to login to their web site to see a message, but these things come all the time for less significant events. ) Then a series of phone calls started from Navient collections. First, they offered me XXXX lump-sum options, XXXX to release me as co-signer, the other a settlement in full. I did not have the tens of thousands of dollars available to me, so I declined. Both those offers came in the form of an email letter on Navient letterhead. 
The most recent phone call ( yesterday ) from Navient conveyed an offer that if I paid the back amount due on the loan and then made a monthly payment slightly above the most recent monthly payments that I could pay off the loan balance that way. The interest rate would be 0.1 % ( why? ). This sounded hopeful to me but there were obviously terms and conditions that I wanted to see in writing so I could talk them over with my spouse. Besides, my hearing is n't perfect, the phone connection was poor, I had to go outside my place of employment so there was road noise, I had no writing material or place to write, and the agent had a thick accent. It seemed so reasonable for me to ask for this offer in writing, but they refused. Instead, they said I had to make these payments for some number of months and then I would get something in writing. 
We went back and forth for a while, with my insisting on an offer in written form. The agent seemed to think that obviously I ought to trust him ( " This call is recorded and I would get fired if I lied to you. " ). This insistence on no written offer seemed so outside the norm -- more like a loan shark than a reputable company -- that eventually ( after much repetition ) I just hung up. 
I will be making those payments ; obviously I should, and they are close to the payments for the original loan. One big worry is what effect this will have on my credit rating. I already ca n't refinance my mortgage and save 2 % interest because of my credit score. At my age I probably never will. I also worry about the effect on my daughter 's financial future. 
I think that this " no offer in writing '' policy is outrageous ( and obviously not XXXX compliant ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting 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:
There are fraud inquiries on my credit report

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 2018-11-19
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Under the guise of employment at the company as a project manager, XXXX XXXX XXXX, supplied a Contract of Employment and had my wife take a series of 10 case studies on leasing and international trade. On successful completion of the training she would receive {$2000.00} and an offer of employment. My wife was a good student and got all " A '' s. Pleased with her performance they asked her to help set up the office in XXXX, NJ. They sent a Purchase Order for 12 XXXX. They said we would not be at risk as our Citibank credit card would be reimbursed from an account at XXXX -Account number XXXX routing number XXXX. Indeed, on line we saw that funds had been received by Citibank from XXXX. On that basis we express mailed the phones on XX/XX/XXXX via USPS to : - XXXX XXXX, Room XXXX, XXXX Floor, Poly Center, On Lok Tsuen, XXXX, XXXX XXXX. The USPS tracking number for the first item of 6 boxes each with 2 XXXX was XXXX. Per the tracking number the phones were delivered on Tues XX/XX/XXXX. Subsequently on XX/XX/XXXX Citibank emailed that There was a problem with your online payment ( actually a reimbursement ) of {$6000.00}. We called Citibank and on a recorded line we asked several times and they confirmed that a second online payment for {$5600.00} had been received. The reference for the recorded call with Citibank is XXXX. That put our mind at rest. One week later, on XX/XX/XXXX, we received an email from Citibank that " A payment was returned unpaid ''. We have been unable to contact the company representatives by phone and email. They have disappeared. Had Citibank not confirmed receipt of the payments we would have had time to notify the shipper of our suspicious of a fraud. 
We have notified the local Police Dept in XXXX, NJ. The Case Number is XXXX and their phone number is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

We spoke to Citibank again today, XX/XX/XXXX, to both customer service and the fraud dept. We were told that as the charges were valid we were liable. I informed the representatives that had Citibank not provided false information specifically on the status of the reimbursement we would not be in this position. They told us they would try to investigate. 

Notes. 
1. This fraud was very well organized and it seems unlikely they would go to this much trouble and not do this on a large scale.

2. It seems that the criminals know the credit card payment systems better than Citibank 's employees.

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 2015-03-26
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received XXXX phone calls within XXXX week from the following number XXXX and XXXX. Message simply was a debt collection agency following up on collecting a debt. End recording ... 

I do not know what it is all about since we do not have any financial arrears? 

Do not know if this is a scam either?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-12-26
Company: Experian Information Solutions Inc.
State: NY
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-12-26
Company: GOLDMAN SACHS BANK USA
State: NH
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: Card was charged for something you did not purchase with the card

Complaint:
This is regards to my Apple Card ( Mastercard ) Went to a website that looked like usps, it was a fake site and charged my card on XX/XX/21 for XXXX for a change of address ( this is suppose to be only XXXX ) I disputed it over 6 times and each time I was required to provide them with a receipt to prove it was fraud, I never received any email or receipt because it was a scam. I never received any information from the fraud site so everytime it was recharged and not resolved in my favor. I called and spoke to a manger and still was told nothing could be done, I explained that a fake/fraudulent website is not going to give you a receipt or proof they it was fraud. I closed my Apple Card after a year of disputing this charge and they closed the account a left the following message on my credit report. ( Dispute resolved ; consumer disagrees, account closed by consumer ) which is odd because the dispute was never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Business Financing Corporation
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
CFG is a ruthless company and I would suggest not dealing with this company. I did borrow from them for my business, however my company was no longer making any money as I no longer had my short term rental. I was making the daily payments but realized could no longer continue as I was barely making {$2000.00} per month to pay {$99.00} per day. So in order to ensure that they get paid I researched and decided to go with a resolution company to show good faith. They claim that the resolution company has not contacted them, now I have a XXXX year grandchild who stays with a XXXX where where the dates are expired and asking the company to illegally hold my revenue. They used a software to created a false document -See attached form. It is time for the FTC and CPFB to get involve and stop these companies. Something needs to happen to prevent these people from XXXX  individuals when individuals have signed up with a company to try to fulfill the obligation even though they do not have the revenue that was coming when they first started. They are practicing illegal methods. Loan amount is {$5500.00} yet they are demanding over {$15000.00} with no detail of the charges to dispute or validate. In order not to lose my Statement of work which they are causing, I had to agree to a payment amount which has been paid and they stated my funds would be released. I am still waiting. Now this is what happened to me -DECLINE IN RECEIVABLES / ABUSE BY FUNDERS If business receivables have declined, the funder must reconcile the repayments to correspond to actual receivables rather than estimated receivables. Why have not been released as per agreement. 
Company did not to receive any legal paperwork thus the company I contract with was illegally sent a false document. Not a court ordered document with expired dates, but a document created in a software program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: PNC Bank N.A.
State: DE
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:
PNC Bank. allowed me to open a NEW VISA credit card on XX/XX/18. per the terms I agreed to online during the application process it stated that I would receive balance transfers at ZERO percent rate for 18 months. PNC terms show that the transfer could take up to 10 business days to be completed. Account was opened and the balance that was transferred ( from XXXX XXXX ) showed as debt on my PNC account ( as expected ) as of XX/XX/18. However after a little over a week my XXXX XXXX card ( that the transfer was to be paying off ) had still not received payment. So I called PNC on XX/XX/18 for a status update. They advised me that due to it being a new account that the balance transfer would be held for 15 calendar days, and then sent out. once it was sent out, it could an additional 10 business days. this 15 day HOLD was never disclosed at anytime to me. Also the main issues, that I find downright criminal, is that PNC is able to show my balance transfer as being an owed debt on their account when they acknowledge that it could still be on my other non PNC account ( XXXX XXXX ) for at LEAST 2 weeks, and possibly an entire MONTH. This already has affected my credit score, as my credit usage percentage, as well as my debt to income ratio has been inaccurately reported due to PNC claiming a debt for the balance transfer on their account that they have told me is not paid on my XXXX account. as of Monday XX/XX/18. I have XXXX balance on my XXXX, and the EXACT SAME XXXX on my PNC account ( that was to be transferred ). PNC has told me that they have not, and will not send out payment for 15 calendar days. So I feel they should not be able to claim my debt as theirs through balance transfer until the send out payment. Also I would like them investigated for another issue with the same card, in regards to billing statements. My card was opened on XX/XX/18. My first billing statement closed on XX/XX/18. this hardly seems legal, a 16 day billing statement? that's unheard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
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: Their investigation did not fix an error on your report

Complaint:
I 'm entitled to a method of verification as I have asked for and if they are unwilling to provide  one the information must be deleted. The credit reporting companies are not addressing these complaints but rather giving a generic answer. The credit reporting companies ca n't use a third party to verify disputes but rather retain documents supporting the facts of the investigation. If the credit reporting companies continue to not send me a method of investigation or delete the disputed items I will seek my rights as established with the FCRA in  court.

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