BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-22
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: Information belongs to someone else

Complaint:
I LOOKED AT MY CREDIT REPORT AND I AM IN DISBELIEF AT HOW MANY FRAUDULETN ACCOUNTS APPEARED ON MY CREDIT REPORT. SOMEONE HAS MY INFORMATION AND ARE FRAUDULENTLY USING IT WITHOUT MY PERSMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM 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 explanation
Consumer complaint received 2021-04-26
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Last Sunday I checked my account and saw that I had been overdrafted by {$230.00} this was the amount chase removed from my account due to government overdraft assistance. I dont make a lot of money but I am also a credit card manager at a big bank so I know enough. I was given no forewarning as I calculate my bills and pay according to what I have on my account I had gotten paid on Friday, set up my bills to be paid on Friday and on Sunday I had this surprise withdrawal hit my account. I called chase they said they cant do anything about it. I dont get paid till next Friday they refused to freeze additional overdraft fees. Ive been a 15 year customer with Chase and the e going to treat me this way when I told them I strigggled with the pandemic caring for my elderly parents? This is CRIMINAL. How can we trust our big banking institutions when they rob us and treat us this way. If I knew I was going to be charged over 25 % of my paycheck I would not have paid my bills as aggressively as I did. Please help me get justice and restore faith that a government body can in fact protect its citizen against predatory practices. Thank you so much for your assistance. XXXX bless!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-26
Company: JPMORGAN CHASE & CO.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/21 I went to www.chase.com/prequalified to see if I qualified for the Chase Ink Card. The site specifically says that " the process of checking to see if I have an offer will not affect my credit score. '' ( Please see attachment ) I followed the prompts and my credit was pulled lowering my score on XXXX and XXXX by 8pts ( please see attachment ). I attempted to call Chase to get this matter resolved and was initially told that the URL I was referring to didn't exist. When I finally directed them to the specific URL on their website they then told me that I misunderstood the process. I notified them that I had successfully done the process on their website a month prior when I was approved for another card and that I was in fact very familiar with the process. At this point, they said they were going to forward me to a supervisor but instead sent me to a fax line. This has had a detrimental impact on my credit and I want the inquiry removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was acquired to open unauthorized accounts. I disputed the accounts from my credit report and still have not recieved a response from any of the 3 credit bureaus in over 60 Days. I also paid off my automobile with XXXX XXXX over a year ago, also something that is still 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 explanation
Consumer complaint received 2018-07-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I never authorize this account to be open at no point and i have call the bank to fix this and they only give the run round everything. i contacted them 3 days ago and they said i dont have no account with a negative balance but in my XXXX XXXX it came up with a negative balance and this is not letting me open other banks account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
THESE INQUIRES WERE NOT MADE BY ME AND I HAVE SENT THEN SIGNFICANT AMOUNT OF PAPER WORK AND THEY REFUSE TO DELETE THESE ACCOUNTS. 


Hard Inquires Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-16
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 fraud alerts or security freezes

Complaint:
Trans union is the company I am writing about. My W2 form went missing in the mail so I froze my credit. The other 2 companies I contacted froze my credit immediately.. But trans union is non responsive to anyone. A company whos sole job is to protect peoples credit and identity who is impossible to get in touch with is unacceptable. 

Thankfully I resolved my issue ... but if you go on their twitter page, you will see lots of frustrated people who get ignored. 

Peoples identity and livelihood are at stake. This company, Transunion, are not taking their role and jobs seriously. This company should be held accountable. Please get back to me if you have any more questions. 

Try to freeze your credit online or over the phone and you should see what I am talking about.

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 2017-08-07
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I sent a secure message to Comenity Bank in the online account servicing website for my Ann Taylor MasterCard requesting a waiver of the late fee and interest assessed on my XX/XX/XXXXstatement. I received a reply on XX/XX/XXXX, granting a courtesy credit for the {$27.00} late fee that had been assessed. However, when I viewed the online account activity for my card, the late fee correction appeared as an additional debit of {$27.00} dated XX/XX/XXXX rather than the expected credit. In my XX/XX/XXXX statement, a {$27.00} " other debits '' entry appeared in the summary of account activity, increasing the final statement balance, and the " LATE FEE CORRECTION '' transaction appeared as an additional charge rather than the expected credit. This additional charge was not what I expected from my request. On XX/XX/XXXX, I sent a reply to the secure message I had received in XX/XX/XXXX requesting that the late fee credit be properly processed. I received a reply on XX/XX/XXXX claiming that a proper {$27.00} late fee credit would be applied, but when I checked the associated account activity, I saw that a second " LATE FEE CORRECTION '' transaction for XX/XX/XXXX had appeared with an improper {$27.00} debit instead of the credits I desired. The two {$27.00} debits on my account are not legitimate fee assessments, as I have not made any recent late payments on my account, and I do not believe they are appropriate methods of addressing my initial request to waive a past late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling all hours everyday of the week. I tried to make a payment they claimed they couldnt accept the payment I tried to pay. They are always foreigners that XXXX cant undo and very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: CITIBANK, N.A.
State: NY
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:
Why does Citibank not offer latest card technology tap pay contactless like many banks already have the Citi retail cards dont have this very inconvenient with covid its safer than a chip card which is what they currently only offer the Exxon Mobil card to does not have the symbol to tap to pay

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 2020-10-22
Company: WATERMARK CAPITAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The Producing Team Lead, XXXX XXXX XXXX, decided to close our loan application today because my wife and I did not want to agree to the loan disclosures with incorrect numbers. We previously submitted a complaint ( XXXX ) about this lender for failure to provide us with loan disclosures without submitting additional documents and before the three-day timeframe. XXXX XXXX contacted us onXX/XX/2020 to see if he could resolve the original dispute by honoring the initial offer we received when we started the application. Since we started communicating with each other, he did not acknowledge the original complaint but only tried to move forward with completing our loan processing. I requested that he correct the loan disclosures to reflect the actual numbers that we agreed to. He did not attempt to correct this for us but decided to cancel our application neglectfully. Additional fees were not previously disclosed, and he has not effectively clarified the additional amounts. An amount not previously disclosed includes an origination fee amount of {$1400.00}. When my wife and I started doing business with the lender, we provided our monthly property tax and homeowner 's insurance amounts. They decreased the amounts on the loan estimate to make it seem like the closing costs will remain the same as the initial numbers. We are expected to agree to incorrect information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Loan Acct XXXX Loan denied after appraisal was completed, Client relations claims file was e-mailed to new lenders. New lenders never received the file. Closing was delayed a week due to negligence of Rocket mortgage team.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: U.S. Auto Sales Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I got in my car to go run errands and prepare to go to work and my car wouldn't start due to a kill switch. I purchased my XXXX XXXX XXXX last XXXX of VIN # XXXX at US Auto Sales at the XXXX branch on XXXX XXXX on XXXX XXXX. 
Ever since my purchase i've experienced multiple problems with their payment system & reps. The system continuously says " IT DOESN'T RECOGNIZE MY INFO '' even causing me to pay late because the system wont allow me to move forward to make a payment. I can not use my phone during work hours which renders me relegated to the after hours or online portal which has given me problems as well. I called all the associated numbers to no avail ( XXXX ) XXXX, XXXX spoke to sales rep XXXX XXXX who answered the phone giving the name XXXX, i recognized his voice and addressed him accordingly & manager XXXX who presented a number as corporate with a live rep yet was a recording, as well as the " XXXX XXXX' system ( XXXX ) XXXX spoke with a rep who acknowledges my note as paid fully yet says I don't know why they didn't update your account i don't know what to tell you '' instructing me to wait until Monday morning at XXXX XXXX. when i must be at work XXXX and have my child at school prior to that. 

This constitutes a violation of my sales contract and agreement, my consumer right under F.C.R.A. as well as constitutes a DE-FACTO REPOSSESSION. 

I have net all the obligations of my sales agreement yet they ARBITRARILY grant access to my vehicle rendering me incapable of enjoying the unrestricted use of my vehicle as dually agreed upon and bound under the provisions of my sales contract. i know this is common practice for them as i've had the unfortunate awareness after speaking to quite a few people who have experienced this and worse due to their shady business practices. 

I want the system corrected to prevent this type of incident in the future, i want the XXXX XXXX XXXX  REMOVED FROM MY VEHICLE IMMEDIATELY BY XX/XX/XXXX AS IT CONSTITUTES A VIOLATION OF MY RIGHTS under F.C.R.A. AND IS A DE-FACTO REPOSSESSION, and i want to be COMPENSATED the equivalent of XXXX  monthly payments credited to my account in the amount of {$490.00} for the months of XX/XX/XXXX and XX/XX/XXXX. I also want a full letter from US Auto sales acknowledging its wrongdoing in killing my starter/ignition on my car with an apology and payment/credit for XXXX  months car note to my account paid immediately. 

My confirmation numbers for my payments are XXXX for {$300.00}, XXXX for {$130.00} and ** XXXX for {$68.00}. I will attach a photo of the payment confirmation sent from U.S.Auto servicing as proof. as well as my current screen showing next payment due and date due establishing me as current on all payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Grant & Weber
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled up my credit report and found this item on my report. I have never been contacted by this creditor and my 30 days to dispute this charge has lapsed bc I was not made aware of this charge. I do not know what this charge is for and would like to have the creditor to provide me with proof of the debt in writing.

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 2017-08-07
Company: CCS Financial Services, Inc.
State: TX
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:
XXXX XXXX, 2017 Account Reference # : XXXX To whom It may concern, I request validation of thisdebt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to :  For the purpose of validation provide me with : The name and address of the original creditorThe original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 
Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files.
I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
Please also note Texas BCC17.
I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I would like assistance with two debts that are being falsely reported by Portfolio Recovery Assoc. I believe these debts to be 8-10 years old. 

They purchased 2 debts of mine... one from XXXX XXXX and the other from XXXX. 
These two debts have both been re-aged to the date that they purchased the debt and not the original charge off date. I've made numerous requests to Portfolio Recovery Assoc. and the credit reporting agencies, to date this has not been resolved. 

I just disputed the debt again with XXXX. This time I asked some very specific questions and was shocked at the answers. 
I was told that the company does not have to show any proof of the debt. I was told they simply have to reply debt is correct, this is very frustrating. 

When I reach out to the original creditor they refer you to the debt collections company. So they make you run around in circles and nobody will give any supporting documentation as to the age of the debt. 

If I am incorrect I will do the right thing but not one company will step up or provide any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian does not have my address showing in XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX That should be under Address year at address XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Leasing Office # 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 2017-12-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had XXXX credit cards with Chase Bank. I will provide the details of all the cards, open date and usability Chase XXXX XXXX : XXXX, Opened in XXXX. Limited use. Used at least once a year. 
Chase XXXX XXXX : XXXX, Opened in XXXX use. Used at least once a year. 
Chase XXXX XXXX : XXXX. XXXX XXXX. $ XXXX. Opened in XXXX. Used Frequently Chase XXXX XXXX XXXX : XXXX. XXXX XXXX. $ XXXX. Opened in XXXX. Used Frequently and heavily everywhere. 

I am very upset and disgusted by the steps of chase bank to close of all my accounts on XXXX XXXX, XXXX without providing me any notice. All accounts all the time paid in full for all the balances. This is severely flawed banking systems in chase. I want chase to return my annual fees and compensate me by reopening my accounts. I do not want to lose my credit history and I do not want more credit checks in my reports. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, XXXX I received a phone call from XXXX at XXXX XXXX XXXX. The number he called from was XXXX. He claimed that I owed a debt on an HSBC Mastercard ending in XXXX, that the card was opened XX/XX/XXXX and had been paid up through XX/XX/XXXX. He said that I owed XXXX and he could bring that down to XXXX. While talking to him he claimed that my employer at the time of the card opening was XXXX XXXX which has never been my employer at any time. This tipped me off that this was a fishy attempt to collect a debt that definitely wasn't mine. He gave me a call back number of XXXX and said his extension was XXXX. He also gave me an email address of XXXX I pulled my credit report from XXXX and didn't see this " card '' listed I also pulled up my current credit report and didn't find this debt either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent a letter from XXXX claiming that I owe them {$80.00}. When I called them to report that the debt was not mine and that it was a case of identity theft, they were not trying to resolve this issue. They then placed the debt into a collection status on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation