BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-25
Company: Experian Information Solutions Inc.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name XXXX XXXX {$2600.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX   XXXX {$2200.00} XXXX XXXX {$980.00} XXXX XXXX {$6000.00} XXXX XXXX {$3500.00}

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 2020-05-09
Company: AMERICAN EXPRESS COMPANY
State: UT
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:
I have a BlueBird American Express prepaid card. My direct deposit goes into it. I went to check my balance on XX/XX/XXXX, it would not let me log on. So I hit " forgot password. '' Then they've installed something to where the same message comes up over & over & over saying " due to 10 minutes of inactivity, log in again. '' Then you'll get to same point & again " due to inactivity ... '' Then I called XX/XX/XXXX at XXXX XXXX. & waited on hold for 1 hour & 7 minutes & was told I had to talk to fraud Dept. I asked why? They can't tell me. But fraud was closed so I had to call next day, XX/XX/XXXX. Was on hold for 2 hours & 5 minutes & hung up. Not only did they put my card in fraud Dept. without my knowledge, they refuse to talk to me. I can't log in my acct. & Fraud will not talk. I'm a XXXX XXXX  & I'm not taking my son to  XXXX this weekend like I promised him, because Bluebird has froze my acct & won't tell me anything. This is theft. I need my money from them or at least someone to talk to. I checked online in chat rooms. Thousands of people have same problem with Bluebird.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal limited both my PayPal accounts ( 1 & 2 ) on XX/XX/XXXX, while one of them ( 1 ) has {$1400.00} balance remain. I submitted required documents to both accounts on the same day. In their  instructions, it said take 2 business days for review. However, on XX/XX/XXXX, my account 1 still shows submitted for review, and my account 2 shows completed but limitation remains. I called PayPal and they ask me to resubmit provide of address for account 2. So I resubmitted on the same day. I have been waited for three business days, but the limitations on both of my accounts still no resolve. On XX/XX/XXXX, I called again about my cases process, but all I get for answer is I have to keep patiently waiting and no one can help me, even I waited for one or two months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
OCWEN now charges to collect mortgage payments A few months ago, OCWEN changed how they collect mortgage payments. Now, on their web site, you must sign up for their auto bill pay system, or you are forced to use a third party bill pay system - XXXX XXXX ( which charges {$7.00} ) in order to complete the process of paying your mortgage. 

I have never experienced a mortgage lien holder or a bank ever charge a customer for payment. Aside from inconvenience, I'd like to know if this is legal. This is not the contractual repayment plan we made, and me simply raising this with them - I have no voice and no power to affect change. I just get transferred around and put on hold for long periods of time with no one able to help me and no one empowered to be my voice within the company. 

Lastly, I would like someone from CFPB to weigh in on if this practice is considered legal. 

Attached sample XXXX and mortgage payment confirmation. 

Help!

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 2020-07-05
Company: JPMORGAN CHASE & CO.
State: AZ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a Chase bank Visa card. Chase bank finally did credit my account after nearly two months in the amount of {$130.00} regarding the dispute with XXXX  XXXX XXXX. 

Since than I have been billed inappropriately by Chase bank. First there was some kind of charge from XXXX XXXX XXXX. I have no idea what or where that has come from. Chase bank has cancelled it, and is in the process of sending me a new Visa credit card. 

Now, Chase bank is incorrectly billing me for {$64.00}. As they have billed the amount TWICE. I spoke over the phone with a gentleman from Chase named XXXX who was in XXXX. He told me to contact XXXX XXXX regarding the double charge for the amount of {$64.00}. I have done that and have emails from XXXX XXXX that admit that there was ONLY ONE PURCHASE in the amount of {$64.00}. From reading their ( XXXX  XXXX ) emails, the first charge should of dropped off. Chase bank is at fault. For charging me TWICE for just ONE PURCHASE. 

Added NOTE : I have a New Chase Visa card coming in the email. I only know the last four numbers are : XXXX Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern, Portfolio Recovery Associates reported 2 accounts to the credit bureaus and has been contacting me about two debts they say I owe them. I have never done business with them and I do not owe them any money : no credit has been extended nor any services ever rendered to me from this company. One debt is showing on my credit report as {$880.00} and the other is {$730.00}. 
I sent a letter to them to verify that I owe them money on this account according to the FDCPA and they could not verify through any signed contract or document between XXXX  and I proving that Im responsible for the debt on this account. I informed them that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from Portfolio Recovery or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entries. I am requesting just this or I will be forced to take legal action against Portfolio Recovery Associates at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair  Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I requested proof from them in writing which they received through certified mail on XX/XX/2018. I have attached my receipt from the certified document as well as a copy of the document itself and the response I received from Portfolio Recovery and Associates regarding these accounts on XX/XX/18 which included account statements bearing no signature and is no deemed acceptable to the FCRA & FDCPA as proof. 

Thank you for your time and attention on this important matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: CITIBANK, N.A.
State: NC
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:
On XX/XX/XXXX I returned two florescent light tubes to XXXX XXXX in XXXX, MO for credit and I received a credit of {$18.00}. My next billing statement indicated two credits for that same amount, but I believe only one was valid. 
On my XXXX, XXXX statement, I noticed two strange entries : XXXX Trans Bal Between XXXX ( XXXX ) and each was for {$18.00} I called the credit card company and asked what this was all about and was told that they reviewed the account and to make it balance they reversed both credits. This was about ten months after I returned the light tubes. What a delay! 

Since I called, I have had no satisfaction nor do I understand why they reversed both credits. I have made numerous attempts to resolve this, but no success. Perhaps one was a duplicate, but certainly not both.

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 monetary relief
Consumer complaint received 2020-06-25
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have three credit cards issued by Citibank. I have NEVER been late on payment. Instead, I always made my payment on time. And over the years, for several times, I have paid off completely the balances on these three credit cards, showing both my good will to be a good customer and my ability to financially manage my credits/debts. Also, I have a very stable job as an XXXX XXXX in a large public university, with annual income over {$180000.00}. Fairly speaking, I have no issue whatsoever paying off my credit card balances. 

To my very surprise, on XX/XX/XXXX, Citibank has notified me that they have updated my credit limit. Specifically, they have significantly lowered the credit limit of ALL my three Citibank credit cards, which almost erased all the rest of " available credits '' at that point. Accordingly, the percentage of debts on all my three credit cards have increased in a sky-rocket way. That consequently had a significant and negative impact on my credit score. I feel that as a long-time loyal and good-record customer ( about 13 years ) with Citibank, I have been discriminated against by Citibank with significant adverse impact on my credit score.

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 2020-06-24
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am still affected by the covid 19 and need another payment waiver. I am not back to work yet.

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 2019-01-18
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:
On XX/XX/2019, I received my credit report and notice multiple hard inquires on my report. I called the companies for letter of deletion but they told me to dispute with credit bureaus is my only option. So I called Transunion to dispute them and they told me to call the companies again and get a letter of deletion and an authorize letter. I feel that they both are giving me the run around. Below I am attaching an attachment of all inquires that I wish to be removed.

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 2020-12-12
Company: ALLIANT CREDIT UNION
State: AL
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 have noticed UNAUTHORIZED inquiries on my report or I noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these UNVERIFIED & UNAUTHORIZED items MUST be REMOVED!! Below is a list of all of the accounts and the dates at which they where UNAUTHORIZED ALLIANT CRED XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COMENITYBANK/XXXX XXXX XXXX failed to give me proper validation of this debt. 

I mailed COMENITYBANK/XXXX XXXX XXXX a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I already reached out to the credit bureaus and to XXXX XXXX for the account number XXXX and XXXX XXXX XXXX for the account number XXXX, notify them of their error posting for this account. I DO NOT OWN THIS DEBT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: CA
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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2019-01-18
Company: JPMORGAN CHASE & CO.
State: CA
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:
I used my XXXX Chase credit card to make a purchase through XXXX in order to fly with my parents ( my father was very ill ) from XXXX. I later was charged a total of {$630.00} ( {$210.00} per ticket ) in fees. I would've used any other card for this, but because this is a XXXX card and I booked through XXXX I understood that there would not be any other fees. The fact that I was charged {$630.00} because I was told I should use my XXXX card for XXXX or Mileage Plus purchases is misleading and defrauding me with these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
There is a business credit card with Chase ( it was a MasterCard, then Chase converted it to a Visa despite the company 's objections ). Several times a few years ago, Chase confirmed via its Secure Message Center that I am not personally liable for this account. Despite that, they are reporting negative information about that business account on my personal credit report. I've told Chase about this, but they will not have this information removed from my account. They should have a record of the messages ( I think they were from 2015 ) in their file, so there is no reason why they should make these mistakes. It's dropped my credit score from well over 800 to being in the 600 's. After complaining to a manager or supervisor, Chase  promised me on a recorded call ( and in a written response ) that they would pull all secure messages from my archive and provide them to me. I have that in writing and can provide that to the CFPB upon request. They now are ignoring this issue and claim that they can not get the messages they promised to me. Moreover, they confirmed that they do not have any signature of mine or anything verifying my identity for the opening of this account that supposedly was done using my social security number. There were other instances of fraud where they changed this account number, and they have no proof that I opened this account or that I ever agreed to be personally jointly and severally liable for it. Accordingly, they should take this account off of my personal credit report. Chase should remove the reporting of this account from my personal credit reports ( XXXX XXXX, XXXX, etc. ) and handle this with the company whose charge this belongs to. Chase should also compensate me for the damage it has done to my previously impeccable credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have several inquiries on my credit that i didnt authorize and do not recognized Ive reached out to TransUnion about them and was told they do not dispute or remove inquires

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 2018-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX Transunion, and XXXX are reporting inaccurately on XXXX XXXX XXXX  account XXXXAfter repossession of a car in or about XX/XX/XXXX, the account was charged off for {$5800.00} in XX/XX/XXXXThe car had an auction value to reduce the loan indebtedness, yet it is not depicted in the balance histories.The charge off indebtedness increases from {$5800.00} in XX/XX/XXXX to {$9000.00}, the following month in XX/XX/XXXX.After dispute with all 3 bureaus XXXX says on the report, {$7100.00} past due inXX/XX/XXXX.In XX/XX/XXXX, the reports of all 3 bureaus say {$9900.00} past due.The Fair Credit Reporting act entitles me and is required by law to be accurate, complete and clearly depicted on my credit report.All 3 bureaus are inaccurate and incomplete in the reporting of the XXXX   account and are required to correct or delete the reporting.That has not been done in any of the previous recent disputes with all 3 bureaus.

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 2023-01-20
Company: JPMORGAN CHASE & CO.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My check has been garnished and debt almost completely paid. XXXX XXXX Was told debt was from an account with Washington mutual bank. That bank closed in 2008. I have no idea what debt is for. I filed bankruptcy in XXXX. Tried to do paperwork to have someone explain to me why I owe this and filed wrong paperwork. Tried to hire an attorney and paid for legal work that has not been done and no refund issued. XXXX $ there. Almost XXXX in XXXX  months over XXXX ... .still no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: SYNCHRONY FINANCIAL
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 have disputed this report already with XXXX but nothing has changed. I have a hard inquiry on my credit report for XXXX/XXXX  but I haven't ever given them authorization to run my credit. I don't have an XXXX credit card but I do have an XXXX account that I order from frequently but still not authorizing them to run my credit. I am completely confused as to how they even have my social security number. I research and found out that XXXX XXXX has changed their name to XXXX XXXX   and that is why it show XXXX XXXX. I believe this inquiry to be fraudulent because anything done without my authorization is illegal. That is my understanding of credit inquiries

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