BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Fiked a claim # XXXX amounts of XXXX and XXXX on XX/XX/XXXX with chase bank regarding merchant service claim was denied. I spoke with a chase claims rep on or about XX/XX/XXXX XXXX in regards to reopening the claim. The rep stated they would reopen my claim and said if I have any additional documentation I can send via mail or fax. On or about XX/XX/XXXX faxed Additional documentation to Chase claims department. On Thursday XX/XX/XXXX spoke to a Chase claims supervisor a who informed me fax documentation had not been received yet to call back the next day and if fax documentation was received to request the reopen the claim as Chase was willing to take a second look. On Friday XX/XX/XXXX spoke to Chase claims rep claims acknowledged receipt of the fax i sent and stated he entered for claim to be reopened and request for a temporary credit to be applied. The claims rep also stated that the inital claim filed was very vague and that he would provide additional details. Called on XX/XX/XXXX claims spoke with rep and was told claim was denied. Explained to the rep the claim was supposed to be reopened. Rep stated claim was NOT reopened and put me on hold while she spoke with the back office. Rep came back after about 5 or 10 minutes said sorry they not going to reopen claim. I asked to speak to speak with a supervisor as I was told claim was to be reopened The rep rudely and coldy stated speak to a supervisor for what it ain't gone change nothing,! I still requested to speak with a supervisor. Was eventually transferred to a supervisor and the supervisor said it was not reopened then begin to say it was denied again by chase then I asked how was it denied if it wasn't opened again. Supervisor then stated Chase didn't deny it deny it Visa denied it. I got contradicting statements and seems.like outright lies from different reps and suoervisors. Why was I even asked to submit additional info if it was even going to be reviewed. The initial claim was very vague and really no information entered by the claims rep which didn't help either. Also chase never sent any request for additional information to clarify the claim from me when the claim was initially filed.This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: National Credit Adjusters, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This company National Credit Adjusters purchased a debt illegally without my consent or knowledge. They violated my consumer rights by purchasing this debt and obtaining my personal information. According to 15 U.S Code ss 1692g they did not validate this debt and was suppose to be done within 10 to 15 days and it was not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was laid off XX/XX/XXXX but started working again on and on XX/XX/XXXX. On XX/XX/XXXX, I contacted Toyota Financial Services ( TFS ) requesting assistance and received a deferment. After noticing that I need more time, I contacted TFS prior to 30 days requesting another 2-month extension. The representative set up the deferment fee for XX/XX/XXXX and explained this was the latest date that I can submit before it affects my credit rating. This was important to me because I did not want my credit affected especially while I was in the process of refinancing my home. 

During the first transaction, a payment was processed immediately. The second payment was set up for a draft which I was later told I should have sent the agreement back signed. According to Manager XXXX, who's reasons for not removing the delinquent mark changed stated that the agreement does not state that if I do not turn the form within a certain time period TFS will report you to the bureaus. She explained that the program is set up for delaying payments not protecting your credit. My concern that I was NEVER told my credit was in jeopardy until today. I also asked XXXX to send me the 2nd signed agreement which states that I had until XX/XX/XXXX to send in the agreement. TFS is refusing to remove the 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit adjusters you are here by put on notice that CEASE AND DESIST any and ALL claims that your company may have on me under 15 U.S.C.1692cc, and 15U.S.C.1692e { 8 }, cease communications of ALL collections and debt information that you have, to ANY BODY OR COMPANY other than myself by mail only this is a official notice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
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:
On XX/XX/2022, I used the Cardtronics ATM inside of the XXXX store located at the intersection of XXXX XXXX and XXXX XXXX XXXX. I attempted to withdraw {$400.00} from my XXXX card provided by Fifth Third Bank. The ATM malfunctioned and I received a receipt saying that my transaction was denied. The money was still removed from my account. I called the number on the machine and the agent referred me to my bank because there was NOTHING that he could do. So I called my bank on numerous occasions, and each time I was told that my money would only refunded within 45 business days and that there is NOTHING that they can do. I even spoke with a manager called XXXX who insisted that I won't have any money until the investigation is complete. 
Obviously, I need the {$400.00} to pay bills. Please help. There should be a way for me to have access to {$400.00} before 45 BUSINESS DAYS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Fidelity National Information Services, Inc. (FNIS)
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: Personal information incorrect

Complaint:
I complained back in XXXX about my Chexsystems information being incorrect. 

They have my middle initial a C when it should be R. 

Chexsystems told me the report was given by a bank sometime ago, most likely a credit card I tried to apply for years ago. The middle initial in their data base with the letter C is incorrect. 

They refuse to correct that information. 

I believe that is why banks, etc. have turned me down several times. There was a time when identity theft was being committed towards me back in 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 2023-04-17
Company: Experian Information Solutions Inc.
State: NJ
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 dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations.I 'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated 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 2019-04-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I selected a vehicle XXXX at the XXXX Florida Infiniti store located at NMAC XXXX XXXX, XXXX TX, XXXX. Customer service # XXXX. 

Dear Sir/Madam, I am writing this complaint due to an agreement that I was promised when I leased my XXXX vehicle during the month of XX/XX/2016 at the Infiniti of XXXX store located at XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX XXXX # XXXX XXXX XXXX. 

I was promised free maintenance on my vehicle for the term of the lease contract however when I first went in for my initial maintenance check there was nothing in the maintenance system that I had maintenance coverage for my vehicle and I then told him it was suppose to be in the system because I was promised it free for his manager / sales manager selling the vehicle I had selected sold my vehicle to someone else therefore for selling it to some lady customer that wanted a darker gray in lieu of the silver that was available that I ended up getting after he told me he would make the mistake up to me by giving me free maintenance on my vehicle for the life of my contract however later while checking my contract with Nissan it was discovered I was charged for my maintenance contract which I believe was done after my inquiry during my first maintenance visit. I also discovered that someone signed and initial a maintenance document on my behalf because the salesman tried putting a maintenance document in my original set of paperwork and I told him your manager stated that my maintenance was suppose to be free due to the mix-up on the car that I selected and sold to lady I mentioned previously I believe his name was XXXX XXXX and he now works next door for the XXXX dealership. I am requesting that I be reimbursed for the maintenance contract I was charged for and all interests and fees associated with the term of my lease which is still open until next year. In addition I believe my lease should be terminated immediately due to the misuse of my information inappropriately and the signing of documents that were not signed by me. 

Thanking you In Advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been having issues with my credit report, somebody put 2 credit cards in my NAME THAT I NEVER AUTHORIZED signed for EVER! One named XXXX XXXX, the other being XXXX XXXX XXXX XXXX. I have disputed this information with the bureaus and with the company, I am a male, a female has done this without my authorization, there should only be medical bills and student loans on my credit report, I have no credit nothing in my name at all. You should all investigate what IP address was used as well as signatures used because I NEVER signed for anything. I would like to get this resolved, its reflecting on all my bureaus and hindering me, I want this to be thoroughly investigated and removed and or associated with my name immediately. I also want them deleted from each bureau and I would like an updated copy reflecting that.

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 2021-09-24
Company: EQUIFAX, INC.
State: CO
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 was on XXXX XXXX orders from XX/XX/XXXX to XX/XX/XXXX. I was on military forbearance with the XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I was taken off forbearance and was told that my military orders were not valid and I no longer qualify for military forbearance. I tried to get this taken care of for years, but eventually, they stopped answering my emails and phone calls. From XX/XX/XXXX, I was considered a XXXX veteran and had gotten this debt deleted ( not on credit bureaus but with the government ). Also, I want to note I was a full-time student from XX/XX/XXXX to XX/XX/XXXX This account went delinquent XX/XX/XXXX and finally counted as paid off in XX/XX/XXXX ( 10 months after I was a XXXX  and XXXX-XXXX  XXXX, which is still reflected in my report ). 

The XXXX XXXX XXXX has been a nightmare to work with while in the military. They need a military-friendly finance center. When it came time to have my loans deleted with XXXX, it took months to get ahold of someone so that I could pay them! 

I called the XXXX XXXX XXXX with this issue and surprisingly got a call back from my student account advisor and was told that she could do nothing to rectify this and that I must dispute. I disputed multiple times with all three bureaus and have gotten no real investigation. I have similar student loans with XXXX, and the late payments were deleted from all reports. The XXXX XXXX XXXX has to answer for their negligence and delete the late payments from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
I advised the creditor that I requested a review of my credit history with Home Depot, which has been perfect for 3 years with no late payments and as the agent reviewed my account to see if they would increase my credit she neglected to advise me that a new credit inquiry would be processed. I was never asked my permission to run my credit. I assumed as a result that my payment history alone was what was being considered. If I had known then I would have cancelled the request for consideration of an increase of credit. I contacted the credit department after realizing there was a hit against my credit file and they refused to handle this issue accordingly and did not take responsibility for their actions.

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 2022-12-13
Company: EQUIFAX, INC.
State: PA
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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Garcadia Financial LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/2021 I have entered into a credit transaction with XXXX XXXX XXXX, who sold my security agreement to XXXX XXXX XXXX XXXX doing business as FourSight Capital LLC. FourSight Capital LLC has mailed me payment coupons that I have endorsed in good faith and rendered to FourSight Capital LLC. Their representatives have been calling me excessively. Today XX/XX/2021 one representative by the name of XXXX held me on the phone for over 30 minutes while I was at work ( which I informed him numerously ) and demanding payments, threatening to either go to my place of work and/ or my dwelling to take possession of my automobile. XXXX also claimed that the CFPB doesn't apply to their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Square Inc
State: FL
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:
I have already contacted the companies involved and Square Inc. refuses to provide any support. All of the other companies have been very forthcoming and helpful. 

On XX/XX/2021 at XXXX a charge posted to my XXXX credit card ending in XXXX in the amount of {$4900.00} from XXXX XXXX XXXX via XXXX ( Square Inc. ) On XX/XX/2021 at XXXX I spoke with the accounting department for XXXX XXXX XXXX in XXXX XXXX, Florida. They not have a charge in that amount on that day. They also do not use Square. 

On XX/XX/2021 at XXXX Square responded they would investigate the issue. 

On XX/XX/2021 at XXXX Square instructed me to contact local law enforcement. Square did NOT provide any of the transaction information I requested.

To date Square refuses to provide any transaction information or accept responsibility for not doing their due diligence. The transaction was completed using false information that square freely accepted as fact. 

I have plenty of supportive documentation to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: CURO Intermediate Holdings
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
someone took out a speedy cash loan out with my social security number but the loan is in a different name it's not my name but its my social security number the account is not mine I never took out any payday loans. i called the company and tried to dispute this but they are giving me a hard time, they tell me its not my name it's under but its my social. this is ruining my credit for something that doesn't belong to me and I want this company to fix it immediately and be accountable for their mistake in not obtaining proof when giving out loans

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: PA
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 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 explanation
Consumer complaint received 2022-09-07
Company: Financial Credit Network Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Date Assigned XXXX XXXX, XXXX Account Number open Fin Cr Netwk Original Amount Owed {$150.00} that I owe. 

I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed Account Name : XXXX Account Number : XXXX Sent certified mail to Transunion : XX/XX/XXXX XXXX second request ) Sent certified mail to XXXX : XX/XX/XXXX XXXX second request ) Sent certified mail to XXXX : XX/XX/XXXX Credit Bureaus, Transunion, XXXX XXXX and XXXX, all three stated that the accounts were properly investigated and verified the accounts and information as accurate but the information for the account is still inaccurate and was not verified as I did not get any proper paperwork to show that the account belonged to me at all. The date opened, the date last active and the date last reported are all inaccurate still as well as high credit. The payment history is incorrect and also not reporting correctly and Transunion and XXXX does not report any payment history at all and XXXX only reports good payment history with no late payments at all listed. How can this account be verified as accurate when nothing is accurate or reporting correctly or consistently? This is grounds for immediate removal and they have also violated my rights under 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts 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