BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-30
Company: Colony Brands, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX / XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Date Reported Opened : XX/XX/XXXX Date Reported Closed : XX/XX/XXXX Individual Account Revolving Account CHARGE ACCOUNT Balance : {$280.00} Company named above claims I have as of XX/XX/XXXX Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them : {$280.00} dollars on : XX/XX/XXXX This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. The above named company must submit to Consumer Finance the social security they have on file relating to this matter in order to positively identify me as the person who conducted business with them and am the person positively identified as the owner of the debt. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owe as third-party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus, failed to do so. 7. above company must submit to Consumer Finance what name was submitted for these alleged business transaction ( s ) and/or service purchased. Or any items purchased. Above company named must submit the correct spelling of my name and address I reside at while contracting or purchasing their services or items. Above named company must provide full information identifying me as the person doing business with them on said date submitted above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XX/XX/2020 I sent out a request for the Collection agency to provide me with validation of date. I told them to include a copy of the judgement in writing, complete accounting of debt which includes loan amount, payments, interest, and any fees associated with the loan. I also requested that they provide me with the original contracts with signatures.If not provided to me then I am requesting deletion for violation of the FDPCA. On XX/XX/2020, I received a notice from ERC stating that they provided me with requested documents. Upon receipt I noticed that they actually did not send what was requested and are using stall tatics instead if providing what I asked of them. I do not believe I owe them anything, especially if I cant be provided what are my debt is reporting to the bureau. Please assist I have attached all documents for reference

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: AMERICAN EXPRESS COMPANY
State: ND
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:
I was promised XXXX miles on Delta skymiles credit card by American Express if I spent {$1000.00} within a month of subscribing for the card. I spent more than that and per their criteria I qualified ( which their customer service representatives also acknowledged ) but I never received the miles. Now it has been almost four months since I opened that card and I still have not received the promoted miles. I contacted their customer service representative and they said they do not know why that is, but they said they filed a complaint/ investigation. I have contacted them three times at least several weeks apart and I still get the same answer. Now they tell me they " updated '' the complaint and that I should wait 6-8 weeks!! That was per a supervisor! I feel that they are trying to procrastinate until I forget the topic.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Mid-Atlantic Finance Co., Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
have checked my credit report and noticed inaccurate information from your company. 

I have not received a dunning letter from your company and you have taken away my rights to validate the debt. I am not responsible for this debt with your company. I have never done business with your company and I do not owe your company. 

Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA : therefore if you can not validate the debt, you must represent that all credit reporting agencies delete the entry. 

As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do not send me a copy of a bill because that is not debt validation. I am asking for debt validation from your company. Send me a copy of the contract I signed with your company. I have attached my ucc11 from the secretary of state which shows i have no lien placed against my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Experian Information Solutions Inc.
State: LA
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:
The company accused me of using a third party to submit my dispute/discrepancies with their reporting practices. I do believe it is my right to use a third party to represent me of which I didn't in this instance. Its a stall tactic to deter me from disputing this erroneous account.

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 2020-09-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/202 received a grant of XXXX dollars from the SBA Covid-19 disaster loan, I'm a sole owner so the deposit was put in my personal checking account, took out {$2000.00} from the ATM to make payroll, CHASE then decided to freeze my checking and saving accounts on XX/XX/2020, then I received a loan from the SBA for {$32000.00} dollars on XXXX XXXX that went into my checking account. Spoke w/ Chase employees at the XXXX XXXX XXXX Branch and I was informed that I needed a Business checking account which I had opened online. After four trips to that branch I was informed that I needed the following to put the money in : EIN # which I completed on XX/XX/XXXX, Assumed Business Name DBA with XXXX County in Illinois, Note : Office of XXXX county clerk closed in XX/XX/2020 and reopened on XX/XX/2020. Paid the XXXX dollar fee on XX/XX/2020, paid another {$65.00} fee to the law bulletin/index publication on XXXX XXXX to published my DBA business name once a week for 3 weeks, and on XX/XX/XXXX XXXX CHASE Bank closed my accounts? I was informed by CHASE employees that a check would be mailed, still waiting? On XX/XX/2020 I received my Assumed Business Name Certificate, took these documents to CHASE brand located on XXXX & XXXX XXXX, went back to back every week and no news about the location of money, employee have no idea where money is or who to contact since CHASE is not answering their phone calls? On XXXX XXXX the branch Mgr stated I needed to get a letter from a CPA or Attorney stating that I am the the sole owner of DBA company and have authorization to to business in XXXX. Took letter back to CHASE on XX/XX/2020, and told that this should take care of the release of funds, hopefully? On XX/XX/2020 received a call from CHASE bank service rep from the branch on XXXX & XXXX XXXX and told the letter from attorney was not good enough? On XX/XX/XXXX went up to CHASE twice and no one could be of any help, per employees they have no idea who is handling this issue, so far. SBA stated that they funded the money and they can't do anything because CHASE has the funds? Per SBA CHASE is doing this to customers in XXXX, and Florida. Where is the money, this loan repayment is due in 12 months, how can I repay a loan I never had access to? Is CHASE just stealing in certain areas only and are the people being targeted in a certain economic grouping?!? Also, SBA stated that if you are a sole ownership that funds could be place in a personal checking account? CHASE Bank employee stated he would call me back yesterday with some news, still waiting! Also the branch doesn't even answer phone calls it just keeps rings! When did CHASE Bank become the Banking Police and who is really stealing these funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was notified via letter on XX/XX/20 that XXXX XXXX XXXX would be garnishing my wages by 25 % beginning XX/XX/20. I called them immediately on the XXXX, I got an approval to settle the debt in whole for {$1600.00}. I went to the bank immediately, procured a cashier 's check, & XXXX overnighted the check. The check was received on XXXX PST on XX/XX/20. Today, my check from work was garnished anyway. When I requested assistance from the company for seizing my assets after they settled my debt, they told me they had done their job and would not assist me in recouping my money.

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 2019-05-30
Company: ERC
State: OH
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:
I sent two letters to the company asking for verification of a debt but got no reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This account was sold to collection agency against Hipaa violation. Account was sold for {$6000.00} and got a call about trying to be sued. I have not signed or received any paperwork from company. Synchrony Bank and XXXX XXXX have went against the Hipaa law. Now I get a letter about wage garnishment but yet to receive proper paperwork. This is unethical of this company to sue without summoning myself with proper documentation.

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 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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 was shopping via the Internet and was purchasing a product. I was given the option to us XXXX or use my credit card. I chose to use my credit card. I completed the process by providing the details of my credit card and home/billing address. I was later informed by credit watch services that I subscribe to that a hard credit inquiry had taken place on my file. Since I was paying by credit card, there should have been no reason to pull my credit report. The credit report was pulled by XXXX XXXX XXXX XXXX/XXXX XXXX on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This complaint is on XXXX XXXX for failing to correct credit bureau reporting. I have been a customer in good standing with XXXX XXXX for at least ten years but have rarely used my card in the last few years. XXXX XXXX has had a history of charging my card without my knowledge after new vehicle purchase. It seems like the dealer might be providing my credit card information without my consent. This occurred in XX/XX/XXXX and XX/XX/XXXX and both instances were disputed and the charged amounts were refunded by XXXX XXXX. As a result of these fraudulent charges, my credit card went 60 days late as I was not aware of the charges and I do not use the card. The credit card company agreed the charges were fraudulent and reversed both late payments and the interest charged. However, they have not corrected the late reporting to the credit bureau.

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 2021-05-19
Company: JPMORGAN CHASE & CO.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Chase Auto Finance ( JP Morgan Chase Bank NA ) : I made a {$700.00} payment last week. Chase Auto Finance claims that have sent me statements through the USPS. I believe because of the disarray of the USPS, I have not received these statements from them. Not considering that their statements were not being received by me, they just repossessed my vehicle. Then they have added excessive fees on to the balance of the loan. They are expecting the entire balance to be paid in one payment for me to get my car back. This is unreasonable. Chase Auto Finace has been extremely difficult to do business with. I am reaching out to the CFPB for help, because I feel I am being XXXX  handled. I would like help with a solution that will work for me and that I can get my car back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 victim of identity theft several account were open fraudulent

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 2018-04-04
Company: AES/PHEAA
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have my student loan with XXXX XXXX. This is because of the PSLF program. 
XXXX has been taking unauthorized actions on my account without providing proper notice. XXXX placed my account on forbearance without informing me or obtaining my consent, leading to a decrease in the number of payments applicable to my PSLF credit. Further, XXXX has not kept accurate records of my payments. XXXX does not inform me when it takes actions on my loan, or obtain my permission before placing me on different payment plans or notify me of account changes. Since XXXX is the only provider that administers PSLF, their actions are unfair and discriminatory. If this complaint is not resolved, I am unafraid of taking legal action against XXXX, CFPB and the Ombudsman if necessary to ensure my loan is properly administered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
to whom may concern, i am unaware of any awares of these so called charges.i am just becoming aware of this charges to my credit account. i dont know who placed it on my account but, i will like it 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 2017-12-21
Company: Account Recovery Service, Inc. (WI)
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
No amount was given to me that I owed because they wanted me to verify my social security number and I refused. I requested a written notification and he yelled that one had already been sent but I never received one. We have asked that they stop calling and the guy called twice after and left a voice message. Then we received a call from a XXXX XXXX threatening to have someone knock on our door and serve us papers.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-01
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing in regards to a late payment on my credit report from for XX/XX/XXXX on my TD Bank/Target account # XXXX, opened XX/XX/XXXX, credit limit {$2000.00} that occurred due to a third-party error. ( I already sent proof to TD Bank ). 

My due date is the XXXX of the month. On XX/XX/XXXX, I received a payment confirmation from XXXX stating that my payment was successfully submitted. However, one month later I realized that I had a late payment reported. On XX/XX/XXXX, I received an email from the third-party company stating that they committed an error and my payment did not go through. Before this email, I was not even aware that my account was carrying a balance and had a late payment. I immediately made the payment on but by that time I was already marked late. 

This was a situation that I could not control. I had over {$19000.00} in the bank, which was more than enough to make the payment. This was not a money issue or even worse, because I did not want to pay. Now I have a perfect record of on-time payments. 
As a courtesy, I am requesting that XXXX a goodwill adjustment and remove the late payment from my record. You have been my bank for a long time, and I hope to continue having a wonderful relationship with your company. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have 2 loan servicing companies XXXX and XXXX XXXX stating I owe loan. I contact XXXX and they insist that I owed them a {$4000.00} loan. I have never made any payment to XXXX. XXXX  states I have made 4 payments that I never have. I have reached out to University of XXXX XXXX and there is only 1 loan. I have been making payment to XXXX XXXX since 2013 only to find out they never sent any funds to the University of XXXX XXXX. XXXX XXXX has put a charge off on my account and refuses to address the funds they owe me. Both companies XXXX and XXXX XXXX are sending promissory notes to credit bureau. I have sent police report, identity thief report and information from University and no one will communicate with the University of XXXX XXXX. XXXX is now saying that my loans were in school status and that is why they have not collected, than I was told that the Loan was not sold to XXXX XXXX. XXXX XXXX say the loan has always been with them. The credit reporting company Trans Union is not doing their investigation and allowing these companies to destroy my credit. The loan that was sent to the University of XXXX XXXX neither companies have presented that loan lnumber.

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