BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-21
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im not sure who this company is ( XXXX XXXX XXXX XXXX XXXX  ) but on XX/XX/2022 I had an hard inquiry on my credit report showing a collection balance of {$280.00} from XXXX XXXX XXXX I havent done no business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to reach out to the company and the bureaus with no luck please revise and send

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 2022-01-21
Company: JPMORGAN CHASE & CO.
State: VA
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/21, I contacted Chase customer service to inquire about paying off the balance of my card # XXXX ( Southwest card ). The Customer Service Representative ( CSR ) XXXX notified me that the total pay off balance was {$10000.00}. My records reflected the same amount owed to bring my balance to XXXX. A check ( ck # XXXX ) for the entire payoff was mailed to Chase on XX/XX/21, prior to my due. My bank records show the check was paid on XX/XX/21. Shortly after paying the balance, I decided to close the credit card due to being charged an annual fee to have the Southwest Chase credit card, I spoke with XXXX XXXX. After paying the balance in full to XXXX and closing the credit card account I received a correspondent and credit card statement from Chase, that I would need to pay additional fees/interest. As previously stated, I confirmed with the Chase representative the full balance owed before submitting the payment and closing the account. Therefore, the correspondent was not in line with what the customer service representative had previously communicated to me. I paid the account in full based on my communication with Chases representative and my records, including a check. If Chase wanted to dispute the payoff that should have been done prior to my making the full payment and closing the credit card. The representative never communicated that an additional charge, fee or interest would be reflected, therefore any erroneous fees and or interest that Chase is attempting to collect is unwarranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Good afternoon, I currently have a cash app account. On XX/XX/XXXX there was a deposit of {$750.00} placed to XXXX XXXX XXXX XXXX. This is the only account that I have with Cash App. This payment was not deposited by myself nor my son, who was invited to share the account. 

On XX/XX/XXXX, my son forwarded a Cash App deposit of {$1.00} to the account as shown with document dated XX/XX/XXXX. Looking at the area on this document, the area that indicates the source is in question. It indicates XXXX as opposed to its " destination of XXXX XXXX XXXX XXXX. I was trying to email my concerns because I believe that this account XXXX be compromised. Please see discrepancy form for {$1.00}. Please disregard the handwritten from address message as I have since researched and discovered that this is my carrier and the telephone number is correct I contacted the XXXX XXXX XXXX XXXX after examining my financial statement to inquire about the two cash app transactions. I was advised that I needed to speak with Cash App regarding these transactions. I contacted Cash App and spoke with someone however there was a significant language barrier and I could not understand her response. I requested to speak with a supervisor and was disconnected. 

Your assistance in investigating this matter is greatly appreciated, as I do not know how the {$750.00} fund was added to my account and how the {$1.00} charge was not accredited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2019-12-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've notified Equifax several times regarding incorrect information on my credit report. They've replied to one inquiry specifying that the information has been verified, but upon request of information pertaining to how they verified the information they've ignored me. They've provided me no information as to how this inaccurate information is valid. I've mailed them information on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/2018, I received an email offering a XXXX XXXX points bonus of a new Chase card was opened and you spent {$1000.00} in the first 30 days. I clicked the link in the email and applied and was approved. After the first 30 days, I received XXXX points and a {$200.00} statement credit. I immediately called because the value of XXXX XXXX points is {$1100.00}, but the value they provided me with was {$470.00} ( XXXX points are {$270.00}, plus a {$200.00} statement credit ). The ONLY reason I got this card was for the XXXX points. They told me theyd talk to marketing and get back to me. Ive called 3 times and have not received a reply. Im now at the point that Im ready to book a trip and Im missing XXXX points, so I called AGAIN and was told theyd talk to marketing. Today I contacted customer service at Chase via XXXX and they said sorry, its been too long, when theyre the ones who never replied back every time I called. 

I also contacted XXXX since its a co-branded card but they said only Chase can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 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 2022-11-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I leased a XXXX XXXX XXXX on XX/XX/XXXX. The lease end term was XX/XX/XXXX. I did file XXXX XXXXXXXX bankruptcy during the term of the lease but the vehicle was not part of the bankruptcy. I still kept up and made all payments. On XX/XX/XXXX I contacted Nissan Motor Acceptance Company to request end of lease documents since i wanted to purchase the vehicle. I was advised i could not receive any since XXXX does not send documents when somebody is in bankruptcy. I was advised to go local dealer to purchase the vehicle. 
I went to 4 local dealers and was advised i could not purchase the car since it was not in their system. I contacted XXXX again and was advised to mail in payment to them. I was advised on payoff amount of XXXX and made the payment. I was received by XXXX on XX/XX/XXXX. 
On XX/XX/XXXX i received a notice from XXXX asking for an additional amount of XXXX and stating my payoff amount could not be approved. The letter had a date of XX/XX/XXXX and asked for payment by XX/XX/XXXX but it was received on XX/XX/XXXX. 
I contacted XXXX and asked again for lease payoff documents and explanation of additional amount, i was advised again i could not receive documents due to bankruptcy and simply advised previous payoff was incorrect and was missing some tax amounts. 
I did not have the fund available right away but i did mail in the full payment of XXXX as requested by XX/XX/XXXX and was received by XXXX on XX/XX/XXXX and cashed on XX/XX/XXXX. 
After this on XX/XX/XXXX i get another notice from XXXX  ( Parent company of XXXX ) stating that they are requesting right to reposes the vehicle and asking for a removal of stay from the bankruptcy court even though they have the money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: NC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2018-09-12
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo Bank Home Mortgage took my house illegally even during a bankruptcy to stop the sell. Rather than correcting the error they allowed it to be sold at auction. I have been reporting this error since XX/XX/2015. Each time I reported this to the bank I was told that it's in review. The review was done by employees of the bank and I don't trust them. I was never given a chance to show them that the fault was within the bank. 
I have document that show I was targeted by the bank, they been working to take my home even though I paid my mortgage on time each month. I was never in default until they refused to take my payments. 
Now to cover they wrong they report that it was a computer glitch. Even in the wrong I'm still hearing about this review. I don't believe this has anything to do with a computer glitch at all. This is another one of their cover up of their lies and deceit.

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 2017-07-28
Company: SYNCHRONY FINANCIAL
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: Credit card company forcing arbitration

Complaint:
1 ) Credit Card Company - " GAP Silver Visa Card '' - " Synchrony Bank '' abruptly closed by Credit Card without giving any prior notice / call / email. Also reason for account closure given by bank ( as per below point # 3 ) never mentioned or discussed by agent earlier 2 ) Bank Closed my  card/account around XX/XX/XXXX to XX/XX/XXXX and I tried to use that 2-3 times during that week to get - a. XXXX XXXX XXXX XXXX ( For my family member who suffered from XXXX XXXX in month of XX/XX/XXXX ) b. Grocery Items c. other important stuff d. Also account closure impacted me heavily as this card is linked to my Car Insurance/Kids Day Care Fees/ Online Shopping Website etc. 3 ) After contacting to Customer Care ( Telephone ) - 2-3 times between XX/XX/XXXX- XX/XX/XXXX - they gave me unacceptable reason of closure of credit card. Reason I 've got == My Bank - which is holding my Checking + Saving Account has been rejected 2 Payments for Month of XX/XX/XXXX ( for Amt. - {$5000.00} ) and Month of XX/XX/XXXX ( for Amt.- {$1000.00} ) 4 ) When I checked my credit card account balance - it was showing balance - {$490.00} as of XX/XX/XXXX with Due Date XX/XX/XXXX - and I 've cleared that balance on same day. I requested Synchrony Bank to reopen by account as it could be some issue with my checking account during that time and those payments were already processed with balance of {$550.00}. Not sure why there was difference of some $ with respect to due amount - {$490.00} as I did final payment of {$550.00} on XX/XX/XXXX.. FYI - Current Outstanding balance is XXXX ( As of XX/XX/XXXX ) 5 ) If Bank is not able to re-open my account then I requested them to Transfer or Adjust my Cash Reward Points which was around {$400.00} as I am using this Card for approx. 5 Years i.e. from XX/XX/XXXX..Also my Credit limit was {$9300.00} and always used this Card for all type of purchase with full utilization ; which has benefited synchrony bank 6 ) I 've got very un-professional answers and they informed - their software system is not having account reopen feature and it 's impossible to re-open account & adjust my cash reward. Also I understood that bank does not have email id / digital process / telephone process to log complaint or reach to any senior person 7 ) I was most valued customer for last 5+ year with Credit Score XXXX and still bank is not able to re-open or adjust my cash reward points. We loved GAP showrooms and we would like to continue shopping there via GAP cards but after this kind of treatment we need to stop the GAP shopping.

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 2023-09-29
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On or about XX/XX/XXXX, Authorized Agent, XXXX : XXXX sent the following correspondence : CERTIFIED MAIL NO. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Chief Financial Officer LVNV FUNDING LLC d/b/a RESURGENT CAPITAL SERVICES LP ( " LVNV '' ) c/o XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX Re : Alleged Debt Account # : ending in XXXX XXXX XXXX, This instrument is a NOTICE OF DEFAULT IN DISHONOR AND CONFESSION OF JUDGMENT upon the following instrument presented in a private communiqu : NOTICE OF ALLEGED DEBT DISPUTE mailed on or about XX/XX/XXXX via U.S.P.S Certified Mail Article No XXXX XXXX XXXX XXXX XXXX XXXX and received by your offices on or about XX/XX/XXXX. 

Your failure to respond with the CREDITOR DISCLOSURE STATEMENT as requested in said Notice, providing your verified PROOF OF CLAIM in the form of a sworn rebuttal affidavit, under your full commercial liability, signing under the penalty of perjury that the facts contained therein are true, correct, complete and not misleading, is taken as agreement to your commercial dishonor, XXXX XXXX, exhausting my administrative remedies. 

Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act ( FDCPA ) is construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. 

******* LVNV moved forward and took legal action against the Beneficiary of the XXXX XXXX XXXX XXXX ( " Principal Debtor '' ) and secured a default judgment for a wage garnishment of the Beneficiary property. 

On XX/XX/XXXX, we sent a Notice To Cease and Desist ( Contract ) via U.S.P.S. Priority Mail Express XXXX. XXXX XXXX XXXX XXXX XXXX as our good faith offer on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to give their client an opportunity to cure its breach of trust and voluntary dismiss the case in light of LVNV 's egregious violations of 35 violations of the FDCPA and the FCRA as well as the State of Florida Statutes Titles XXXIX and XLII, 18 U.S.C. 1341 and 1342, 18 U.S.C. 241, 15 U.S.C. 1 and 2 and Beneficiary 's 4th amendment rights to the Constitution. 

On XX/XX/XXXX, XXXX garnished Beneficiary 's check in the amount of {$1400.00} for an unvalidated debt based on a fraudulent default judgment secured by XXXX on behalf of their client LVNV. 

XXXX XXXX XXXX and XXXX are complicit in this fraud upon the court and acting as a debt collector is subject to the FDCPA and FCRA as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: NY
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:
There is a huge inaccuracy on those student loans on my credit report. please review it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acct number : XXXX Acct name : XXXX XXXX. 
Acct number : XXXX Acct name : XXXX Acct number : XXXX Acct name : XXXX XXXX  XXXX Acct number : XXXX Acct name : XXXX XXXX XXXX XXXX  Acct number : XXXX Acct name : XXXX XXXX XXXX XXXX number : XXXX Acct name : XXXX XXXX Dismissed Acct number : XXXX Acct name : XXXX XXXX  Acct number : XXXX Acct name : XXXX XXXX  XXXX Acct number ; XXXX Acct name : XXXX XXXX XXXX  Acct number : XXXX Acct name : XXXX XXXX XXXX Acct number : XXXX Acct name : XXXX XXXX XXXX number : XXXX Acct Name : XXXX XXXX Dismissal Acct number : XXXX Acct Name : XXXX XXXX XXXX As violated my rights. 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my writing instruction. 15 U.S.C 1681 C. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer repot containing any of the following items of information any other adverse item of information, other than rords of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s- 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.

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