BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: VA
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 filed an FTC report for identity theft for inaccurate accounts I found on my report and no one is helping me.

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 2015-03-30
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have an account with Westlake financial ( XXXX ) and they are in the process of attempting to reposes a vehicle which I conveyed in a title loan transaction. The issue that I have is that Westlake has hired a third party agent that has violated the fair debt collection practices act on several occasions. Their agent has engaged in such practices such as conveying information concerning the vehicle make, model and year, parked in the drive way of a private residence for prolonged periods of time ie harassment of a third party and the most egregious act is misrepresentation of their standing or official title. 

The agents have stated om many occasions that they are " investigators '' however when pressed on the matter of holding a " validated investigators license '' of any type the third party agent, XXXX XXXX ( XXXX ) XXXX avoided the direct questions and said call " the number '' which he refused to convey. 
The primary issue of concern is the continued harassment of third parties who are not obligated in any way to this matter and the conveyance of proprietary personal information and false claims concerning their professional standing which is in direct violation of the FDPCAFalse statements. Debt collectors may not lie when they are trying to collect a debt. 
Additionally, sitting in the driveway for extended period of time ( XXXX ) can be construed as an obvious harassment tactic. 
Divulging proprietary information of the nature of the attempted contact specifically the Make, model and year of the vehicle which is an obvious attempt and inference to the status of the loan/account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: Platinum Holdings Group, LLC
State: KY
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
They continue to call and harass me. They have called my wife on her cell harassing her. They threaten to garnish wages and put liens on property. I do n't owe them any money and those they say they are representing. The company calling is premium assest services. They do n't have valid website. They say they represent an online payday loan which is even illegal in the state of Kentucky.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX I received a letter from Chase Bank stating that 'after a recent review of your account, we have decided to end our relationship with you. ' Account to be closed on XXXX XXXX. I have been with Chase for 8 years. Never any overdrafts. Paid off a mortgage thru them and paid off a new vehicle loan. No one can tell me why or what triggered them to close my account. I want a specific reason, not just 'due to a review '. I need to know what they saw on this 'review ' to make this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Core issue : Deceptive Business Practices This company and the underlying banks are systematically doing the following : DeFrauding Consumers by False Advertising, Unclear & Ambiguios Terms Receiving Ill gotten gains by falsely comparing their loans to federal loans with obviously better terms then suing the Victims Material Misrepresentation of Deferal & Forebearance terms Predatory lending on 1st time borrowers & minorities Violation of Private, Commercial & Consumer Law through a complex layering of entities and purposely confusing lack of clear scope of regulation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently started to look into my credit back in XXXX, and saw a lot of inaccurate information being reported to all three credit bureaus for two separate accounts, I requested for items to be deleted due to the FCRA laws, the two accounts came back verified, but without any proof? At this point with all these inaccuracies I just want the accounts removed from my credit I am willing to to settle both these accounts for them to be deleted off my reports since they are negatively effecting me more than they should.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2015 J.P. Morgan Chase withdrew from my checking account {$6600.00}, apparently on IRS behalf. After the internal file went through the complaint department, J.P. Morgan Chase confirms funds wo n't be returned, unless IRS authorized. I have never received any communication from IRS, and after I called them I was told to talk with the bank. As mentioned above, the bank wo n't return me the funds. So I feel abandon and extremely frustrated. The reason why the funds were withdrawn is because XXXX form was incorrectly filled out BY, J.P. Morgan Chase. Moreover, this situation is causing me financial issues as I ca n't afford the bill is committed myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased an speaker and I told the guy I wouldhave to come back and get it because XXXX too big to fit into an car a truckwould have to pick it up I told himI would call him if i could n't get a truckand if so will he just give me an refundi asked all of this before i purchase thespeaker he agreed. I called the next day talk to thegirl that works with him I think its it his girlfriend shesaid he was n't in and she would tell himi want to cancel the transaction she said ok ikept calling him i would be told he was n't inhe only works on Monday so i calledon an Monday still he was never in. 
i disputed the transaction this owner told chase ileft with the speaker that was XXXX feet tall imonly XXXX XXXX tall and it would n't have fit in my carhe presented an different receipt looks as ifit was altered ( read letters ) enclosed in theend he sent in no more than me Chase went withthe XXXX man over me that i took this speakerand left with it he said we took the speakeri went to his store and i have an link of himNOW STATING AS EVER WHITE PERSONSAYS " A TALL XXXX UNKNOW MAN '' picked up the speaker HE USES THE '' THE BLACK '' CARD EVERY RACE USETO GET OVER! Your Exe. XXXX XXXX whoI feel is very Prejudice as he wrote mea letter stating HE WILL NOT GIVE ME ACREDIT I called and called this man overand over he never returned a phone or didhe answer the phone I sent him the video link tohear this liar that we sent a ramdon tallblack to pick up speaker when hejust told chase i took it with me orHasani did when i XXXX was theonly one to pick it up that iswhy all my info is wrote on receiptSOMEBODY IS GOING TO GIVE ME MY MONEYBACK PLUS ALL FEES OR THE SPEAKERSIM LEFT WITH A BILL AND NO ITEM THATWILL NOT WORK TODAY OR NEVERI WILL BE SENDING PAPER WORKSMALL CLAIMS SUEING CHASE FORSTRESS DOCTORS BILLS PAIN & SUFFERING MISSED WORK DAYS FOR THETOTAL AMOUNT I CAN SUE FOR $ XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Applied for and entered HAMP mortgage modification because I am XXXX on SSI XXXX XX/XX/XXXX. Before and during entry into program I asked no less than XXXX representatives in recorded conversations if I could take the modification but make full payment as I was afraid to ruin my credit after recovering from divorce induced bankruptcy in XX/XX/XXXX, I was told that I could do that by sending I the modification coupons with a note stating my concerns and enclose full payment and that it would not affect modification chances. 
On XXXX XXXX XXXX I received a letter from Chase stating I would not get the modification because if I could pay the full payment then, I could continue to pay it. Upon receiving this, I called Chase and explained that I was told that was not going to affect the modification. I was told the lender said no and that was that. 
I entered a complaint with cfpb stating all the above in detail. cfpb followed up with Chase bank and on XX/XX/XXXX I received a call from my representative saying I WAS getting the modification and I would have it updated by XXXX XXXX XXXX. I spoke with the rep again on XX/XX/XXXX and he said same thing ... go ahead and use modification payment coupon and all would be done by XXXX XXXX. On XXXX XXXX I received a letter that MORE TIME was needed for a decision! I called the rep 7 times to ask why I received that letter when he told me XXXX XXXX all would be done and I was getting my modification. He never returned my calls. His assistant called and said she was calling to tell me they received my calls but she could not talk about my case. She said she was transferring me to my reps phone. After 32 minutes on hold I hung up and re-dialed him directly to no avail. Today XX/XX/XXXX I called the main service number and talked to another rep. She had no trouble discussing my case and told me NO DECISION has been made and they need more time to review. I told her I was going to contact cfpb again at which point she because very surly and told me if they say they need more time, then they need more time. I asked her why my rep would not call me back knowing that I called 7 times stating I was going into the hospital tomorrow for XXXX and really needed to speak to someone. her answer was ... ask him! I have been lied to strung along and ignored. I explained that they only reason I was able to make the mortgage payments was that I borrowed the money from my daughter. They did not care. This program is to help people struggling and as a XXXX XXXX year old on a very low fixed income I sought that help and was mistreated and misled. The reference former complaint is XXXX if there is anything else needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. Transunion, XXXX, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX XXXX Bankruptcy and accounts. 
My credit report is still reporting XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, and Inquiries that are not mine. 
Please see attached FTC Identity Theft Report. 
This has caused me tremendous XXXX XXXX, and financial hardship.

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 2017-07-11
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After months of having written several letters to Central Financial Control, I received a letter dated XX/XX/XXXX stating that I agreed to accept financial responsibility for medical services provides by XXXX XXXX XXXX XXXX. No where in the information provided was my signature. There was a signature by my wife but I never authorized her to sign on my behalf. Therefore the debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX have violated my rights. According to : 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28
Company: Square Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Ive had cash app for a long time, Ive never had an issue with it. Ive never mishandled my account to where security measures would have to be put in place! Ive sent money and received money from the same people consistently and Ive purchased Bitcoin and withdrew it to the same address! My identity was manually verified and I have the email still from when I was told I had full access to cash app features! Out of nowhere I sent a payment to my sister who is an established cash app customer as well and Ive sent to her multiple times before! It canceled every payment on me and since then any transaction Ive tried to do! Customer service has no answers other then if they detect anything out of the ordinary they will cancel a payment! I really cant imagine what is possibly are the ordinary from transactions Ive completed multiple times before the same person. The Bitcoin wallet will not allow any transactions either! Cash app support have no answers and they are no help they just disconnect the chat over and over! I could use other platforms and I have but the point is theres no reason why I can not use cash app! Ive done nothing wrong they have provided me no information that I have! Pretty much all I can do is add money to cash back out to myself buy bitcoin sell it to cash out myself thats it! They think its normal!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
In 2007 i filed for bankruptcy and went before the judge and discussed this particular loan ( NATIONAL COLLEGIATE STUDENT Loan ) and the judge granted the bankruptcy on this loan. I have sent this company several copies of this and yet they keep attacking me thru collections as well as taking funds from bank accounts and my tax refunds. They have also ruined my credit by refusing to take it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: JPMORGAN CHASE & CO.
State: CA
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:
My account was several months past due to a injury and I was supposed to be a on a payment plan with chase credit card however with no money coming in they claim they couldnt make a payment for XXXX $ even though the money was in my account even though they made a XXXX payment without the money in the account. theyre saying it wasnt possible to process the XXXX $ and I need to appeal. There is a phone call and my bank statements to show what Im saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have become an new member of a credit membership and have come to find I have unauthorized inquiry on my consumer report. I've contacted the credit bureau to dispute these inquiries immediately i was told to file a ( CFPB ) report and retrieve a cover letter. these actions were taking on XX/XX/XXXX. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-03-12
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home has been in foreclosure status for several years. I have repeatedly ask for a deed in lieu of foreclosure. I 've received numerous collection calls and one of the first questions they ask is if I reside in the home. I assume this is for them to ensure that the 'asset ' or home is secure and protected. I live in the home. I received notification for Sheriff Sale posted on my door on XXXX XXXX, 2016 with notification of sale on XXXX XXXX 2016. The sale is inevitable, but the month notification is not adequate in order to secure a new residence. When I purchased the residence I was making in excess of XXXX a year, I did not work for 2 years after purchasing the residence and now work full time but make less than XXXX a year. I 'm unable to keep the residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: MN
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 first disputed inaccurate inquiries with equifax and they came back verified. I then sent a method of verification request exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). According to federal law they must provide a response within 15 days of receiving that letter. Well I have proof via USPS CERTIFIED MAIL that equifax received my letter on XX/XX/2022 and here is the tracking number XXXX Till this day XX/XX/2022 i have not received any form of communication with the credit reporting agency equifax thus they took longer than 15days which in fact is a VIOLATION OF FCRA. I demand they remove the inaccurate unverifiable inquiries by these lenders XXXX XXXX XXXX XXXX XXXX XXXX XXXX if not i will gladly enforce litigation and take equifax to small claims court in XXXX XXXX MN for playing with my privacy and credit report and for violating federal law. I will request {$1000.00} per inaccurate unverifiable items and i am 100 % certain i can prove to a judge these items are inaccurate and equifax has violated law. IF Equifax does not respond appropriately to the CFPB complaint and correct the errors on my credit report within 14 days A lawsuit against equifax WILL be FILED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Bread Financial Holdings, Inc.
State: IL
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 purchased on order XXXX two XXXX XXXX from Wayfair on line. 
I received the product and had it installed. Upon reviewing the packing slip it showed that the product could cause cancer. This is on top of my kitchen table where my family sits everyday. I called and nothing happened. I filed a claim with the XXXX XXXX XXXX and someone called me and I was informed that they would take the product back and issue a refund. I explained to him that at that time the State of Illinois had shut down all the businesses and I couldn't get nor did I want someone at my house. He said that would not be a problem. However, in XXXX when I was able to get someone to have it down, I could not get anyone to return my call.

Company response to consumer: Closed with explanation