BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My bank account was hacked into and my contact information was changed. My debit card was stolen and used fraudulently. My bank branch showed me where the person tried seven times to enter my PIN before finding the right one and completing the purchase. Chase Bank claims they are in no way responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The inquiries below do not belong to me and were not authorized by me. Please remove these asap. I have included the identity theft reports as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

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 2022-12-30
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: Account status incorrect

Complaint:
XXXX XXXX or XXXX XXXX  is breaking the laws. First of all the same loan is listed twice. Secondly they repossessed the car I gave it back voluntarily. They came to the XXXX  I was at asked me where it was. I told them. They then sold it and never notified me about it which they are supposed to by law. Then took the money and sued me for it. This is illegal in so many ways I was 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 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Problem with personal statement of dispute

Complaint:
I filed a dispute with the credit bureau and all they did was to reach out to the lender to verify the payment history. Not sure what is the purpose of a dispute if I present my evidence and it doesnt get taken into consideration. Basically why did you ask me to provide support if your not even going to use it to figure out my case. 
I feel that this system is rigged from the beginning and the consumer doesnt have a chance to win anything that they are disputing.

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 2023-02-25
Company: Experian Information Solutions Inc.
State: IL
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:
Experian and XXXX says they have investigated and found whats on my credit report is accurate. however my name is wrong my employer is wrong and inquires are fraudulent i asked several time for the to send me proof that i gave these companies permission to pull my credit because i didnt

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 2022-01-13
Company: Experian Information Solutions Inc.
State: KY
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:
I have sent XXXX multiple Cease & Desist letters to stop them from contacting me about an alleged debt. The Cease & Desist also requires them to stop reporting to my credit file. It is against my right to privacy. The alleged debt do not belong to me, I am a victim of identity theft. I asked the company to provide me copies of my wet ink signature opening the alleged debt but I have yet to receive it. They are still contacting me about the alleged debt and reporting to my credit file which damage my general reputation.

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 2019-10-15
Company: Colony Brands, Inc.
State: CT
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:
Accounts were open under my name which I was not aware of until recently i have file directly toward a company for fraudulent accounts and has not neem resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A Chase credit card was opened in my name fraudulently on XX/XX/2023. I received a bill in the mail for {$95.00}. I thought this card was an existing Chase account as I have several and paid the annual fee sometime in XX/XX/2023 I believe. Upon paying the bill, the following day I went in to check an existing account and noticed over {$1000.00} in charges were made to the card. I called chase to tell them I did not make these purchases and the issue with paying the annual fee. 

I have gone through XXXX thorough investigations, both resulting in Chase telling me I am responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: OPTUM BANK, INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had bill pay set up through my optum HSA account. I set up the payments to auto pay XXXX XXXX Bank, as it is a credit card I opened for a medical XXXX. XXXX XXXX payments of {$30.00} on XX/XX/XXXX, and XX/XX/XXXX, were never credited to my XXXX account but have still been debited from my Optum HSA Account. I called Optum to do XXXX stop payments and was told they just changed their bill pay recently to send over electronic card numbers instead, and that XXXX did in fact receive said payment. I have called back and forth and no one will Help me. I need a XXXX statement from Optum bank but it is mid XXXX and still nothing. I have to prove to XXXX bank that the payments were debited from my account, paid to XXXX  and I can't as I can not get a statement from Optum. I attached a transaction snapshot from XXXX  bank as I receive paper statements and don't have a scanner. I disputed missing payments on their end and they closed the dispute as it's been 30 days, and I have NO statement to show them proof from my Optum account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: VA
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Balance Owed : {$19000.00}.

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 2019-10-15
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Tuesday XX/XX/XXXX. 

I attempted to use the Citi website in order to process a payment towards a credit card but was unable to do so. There was an error on the site for one card but not for another. 

Unfortunately this has become a pattern with Citi where there are frequent and lengthy issues with applying payments to cards, making it difficult to process payments in a timely manner, which has made it painfully difficult to keep current on payments. 

Almost every month when I attempt to make a payment it will take 2-3 tries over the course of as many days to accomplish this goal.

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 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
These are not my accounts. 

XXXX XXXX # XXXX XX/XX/2020 Requested the original instrument of indebtedness for the account, the binding contract for this account, method of verification and validation of debt. 

XXXX XXXX XXXX # XXXX Requested the original instrument of indebtedness for the account, the binding contract for this account, method of verification and validation of debt.

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 2017-12-16
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A FRIEND AND I RENTED AN APARTMENT AT XXXX XXXX UNTIL THE LEASE RAN OUT AROUND XXXX XXXX. WE NOTIFIED THE OFFICE THAT WE WERE NOT GOING TO RENEW THE LEASE AND WOULD BE LEAVING. WE THEN MOVED IN XXXX XXXX. MY FRIEND ( XXXX XXXX XXXX WHO WAS THE PRIMARY LEASE HOLDER DID NOT HEAR OR RECEIVE ANY NOTIFICATION FROM XXXX XXXX UNTILL A YEAR LATER. THEY SAID HE OWED $ $ $ $ FOR RENT. THERE WAS NOT LEASE SIGNED. HE REFUSED TOY HAD BROKE THE PREVIOUS LEASING PAY. NO FURTHER ACTION WAS TAKEN TOWARDS HIM. AFTER ALMOST 7 YEARS WITHOUT ANY NOTIFICATION I NOTICED MY CREDIT SCORE FELL SIGNIFICANTLY DUE TO XXXX SENDING THE ACCOUNT TO A COLLECTION AGENCY. THIS WAS NOT PLACED PRIOR TO XXXX BECAUSE I WOULD NOT HAVE BEEN ABLE TO APPLY AND RECEIVE A MORTGAGE TO BY MY HOUSE. I CONTACTED IDEAL COLLECTIONS FOR THEM TO SEND ME THE NECESSARY PAPERWORK TO SHOW THIS DEBT. I HAVE NOT HEARD FROM THEM. I DISPUTED THIS WITH THE CREDIT BUREAU ALSO. THIS IS AFFECTING ME SIGNIFICANTLY SINCE I AM TRYING TO EITHER REFINANCE MY MORTGAGE OR APPLY FOR A HELOC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Creditors have continually violated FCRA, FCDPA, and numerous consumer protection laws aswell as state laws.

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 2021-04-12
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I believe PHEAA to be in violation of unfair credit reporting and collection tactics during the pandemic. My loans went into default at the onset of the pandemic despite me attempting to work out a payment plan with them. Not only did they continue to report that I was in collections but they reported that I was late as well thereby purposely and maliciously affecting my credit. If that wasn't bad enough they sent my account over to a collection agency and added a whopping XXXX, XXXX to my loan bringing my loan to XXXX from XXXX. I feel that this is unjust and malicious in nature

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company XX/XX/XXXX had received a payment from me and they told me that year that it was sent to collection by mistake and they put me on hold and try to contact them and Helvey & Associates told me as well that the account will be deleted but they left it still when I was not notified that they did not delete it. I have been disputing this since I first saw it on my credit report. So I was going back in forth with the collection agency telling me it was deleted and paid off through XX/XX/XXXX that year and they told me that we fix it from here but we need to call XX/XX/XXXX that its paid in full but it was still showing that it was a debt collection and it showing negative on my report. I was told of this year by some rude representative that it was bought by them and it will stay there because I didn't pay them. I told that representative that why would I pay double on an account that is paid in full because I had the same utility service all year long. It was an error by XX/XX/XXXX and they told them to remove it that year and it was not removed. The collections agency lied to me for many years that it was deleted from my file and now to this day it's showing up as a negative account like its never been paid all so many months and when I called them and asked them why is it showing up as a negative account they told me that they didn't know my account was paid in full and I asked them how can they report some inaccurate information because it was a mistake sending it there and they told me that it was bought from them and the payment should go to them. I told them my service was still on and why was it sent to a collection agency in the first place. On their reviews, I have seen stories like mines. I have also reported it to the XXXX XXXX XXXX but no response to them as a business. I also have reported to the FTC, Attorney general office, and the CFRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Santander is civilly and criminally liable for fraudulent activity. The consumer credit transaction included a finance charge and the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. Santander Consumer, USA did not include my insurance within the finance charge. Not only that, but they also took cash from me, which is unlawful due to the fact that a finance charge does not include cash. They then went on to report to the consumer reporting agencies that I owe this alleged debt. They responded to my cease and desist, but did not complete the demands placed upon them, which are listed in the " fair solution '' section below, as well as, in the cease & desist document, too. This has caused lots of distress, which resulted in a XXXX ( view the medical records below for more details ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they have posted on my credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the inaccurate accounts. Plan on seeking legal counsel for your actions against me. 

Your failure to positively verify these accounts has hurt my ability to obtain credit, defamed my character, and caused damages. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

According to the provisions of the Fair Credit Reporting Act ' 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. According to the Fair Credit Reporting Act, 611 ( b ) [ USC 15 1681i ( b ) ], I am entitled to enter a consumer statement in my credit report so that the information is complete and the credit reporting process is fair and equitable to me. I would like the following statement to be made a part of my permanent record so that potential future creditors will be aware of certain circumstances that caused negative credit information.

Litigation is quite expensive and should be avoided at all costs. Should it be necessary, I would appear in propria persona [ pro per ] and file a court case in forma pauperis for free with the guidance from outside legal counsel on retainer ; however, my belief is you and your organization do not intend to pursue this matter as you have no valid legal claim or merits. The cost-to-benefit ratio is relatively low when suing indigents ; therefore, this is a good-faith attempt to resolve this matter before litigation is necessary. I am willing to resolve this matter privately and civilly. Thank you for your time and attention to this matter. 
This is my third attempt to resolve this issue.

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 2019-01-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/18, I was served with a notice to appear for a pretrial conference/mediation with regard to a suit apparently filed against me by XXXX XXXX XXXX for an alleged debt that they purchased from XXXX XXXX. On several occasions, I have requested that XXXX XXXX XXXX cease communication with me, and was therefore more than a little surprised that they proceeded in this manner given their blatant violations of the FDCPA. I had assumed that the matter was now being handled by their legal counsel and I would be able to resolve the matter with counsel. The next day, XX/XX/18, I received yet another call from XXXX XXXX, XXXX, I advised the caller that I wished to receive no more calls, and terminated the call. Within seconds, XXXX XXXX, XXXX called me again, and placed me on hold. I held so that i could notify the caller of the most recent call, I waited on hold for approximately 10-15 minutes, and hung up. Once again, within seconds, XXXX XXXX, XXXX called me again! According to the FDCPA, if I request a debt collector to stop calling, they are required to do so. I have proof of this violation, as well as several other instances of XXXX XXXX 's disregard for the FDCPA. On XX/XX/18, I wrote a letter explaining this to the attorney representing XXXX XXXX, XXXX, and explained that I would be willing to forego the filing of a suit against their company for their numerous FDCPA violations if they would agree to dismiss the suit filed against me, and to delete any collection activity from my credit report. To date, I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
Please help me with a refund for card ending in XXXX from XXXX for {$97.00}. Because XXXX XXXX XXXX XXXX charged me {$120.00} on the same card for a one night stay on XX/XX/XXXX and the people at XXXX sounded confused this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying American Education Services for over 20 years on a {$24000.00} original loan amount. I have paid combined principle. And interest a total of {$48000.00} The servicer says I still owe {$12000.00} doesn't this violate usury laws? 

My loan number is XXXX. I'm XXXX XXXX XXXX and can't take the financial stress this is causing me. 

Thank you for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Equifax has a security freeze on my credit file that i did not authorize. I was trying to apply for a automobile financing and it says that equifax has a security freeze on my file and creditors are unable to pull my file I DID NOT AUTHORIZE OR REQUEST THIS

Company response to consumer: Closed with explanation