BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-22
Company: United Collection Bureau, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went into XXXX XXXX to purchase a blouse to match a pair of pants that I didn't have with me. I picked up some blouses and was told that if I open a XXXX 's credit card I could get a discount. I opened the account there. Upon returning home, the blouses did not go with the pants. I returned ALL items, and was told be the clerk that the balance was now zero. I started receiving bills for a balance, but I had returned EVERYTHING that was charged, so I should have had a zero balance. I called XXXX 's several times, and was finally connected with the fraud department. They came to the conclusion that the clerk did not scan in all items for the credit. Fraud dept told me that they would start reversing late fees and it would take several months to reverse all charges. I have NOTHING from XXXX XXXX. Now, I'm getting calls from a collection agency for nothing but late fees, when everything was reversed. This is ruining my credit. Please help. Also, when I spoke to the fraud dept, I asked that they cancel my card. They did and said that everything would be taken care of with a zero balance and offered their apologies. I don't know what else to do. I have nothing from XXXX XXXX and owe them nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I recently accepted a % XXXX XXXX balance transfer offer on my card which posted XX/XX/XXXX, I was expecting to see an interest saving balance amount like I do on my other cards that have % XXXX XXXX promotions in order to properly pay what I needed to in order to avoid accumulating interests, but when I went to make a payment today, XX/XX/XXXX, this was not there, when I called to inquire I was told that with a balance transfer, if there are any other transactions on the card, the full statement balance amount would need to be paid in order to avoid interests. This fully defeats the purpose of the % XXXX XXXX offer. I was told there is no solution and that this was disclosed in the balance transfer offer. While I don't doubt that this is hidden somewhere in the fine text of agreement, this is vital information that should be provided to the consumer before finalizing the decision to complete the balance transfer, especially since I already had transactions on this statement while I was completing the offer, had I been informed prior I would have made a different decision regarding this promotion, other information like the length of the % XXXX XXXX term or the balance transfer fee were plain to see, but this was left inconspicuous in what feels like unfair and borderline fraudulent business practices. The customer service representative offered no help whatsoever and said that the only solution is to pay the balance. He said he filed a complaint, but even told me to my face that the complaint would amount to nothing and would only be " tracked '', he refused to provide anything in writing despite my request it be emailed to me and only provided me with a complaint number ( XXXX ), I can not find on the website where I can review the balance transfer agreement either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a {$5000.00} payment on one of my chase credit cards. Unbeknownst to me, the default payment account had defaulted to an older account I dont use. I didnt notice this when I made my payment. 

As a result My payment was returned to to insufficient funds. Chase mailed me a paper letter stating the payment was returned. By the time I got it, my payment was late and reported to XXXX XXXX causing my credit to drop over XXXX points. 

I have been a customer for XXXX years with a perfect payment history. Ive never been late before, and use online banking for everything including the alerts I get from chase that they received my payments, or I have a payment due. Why chase didnt send me an email Notifying me the payment was returns baffles me. There is zero grace for an honest mistake and obviously an attempt to make a payment was made. I immediately rectified the mistake when I got the paper notice, but by then it was too late. I called customer service and received a sorry its all automated nothing we can do. 

This lack of customer service, especially for a loyal customer with a perfect payment history is beyond disappointing. Additionally the communication method used for such a time sensitive and important issue is unacceptable, especially when I have text alerts and email as my preferential forms of communication. They did not give me an opportunity to correct an honest mistake in a timely manner and as a result my excellent credit rating dropped to fair. The lack of attention to the matter when I called is also beyond disappointing. This is especially disappointing because we were in the middle of trying to get an RV loan that was offered to me at an extremely high rate due to the negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from Jefferson Capital that was attempting to collect a debt from a XXXX account that was opened in my name. I do not have a XXXX account nor have I ever. The account and the debt are fraudulent and I have been the victim of identity theft. 

Jefferson Capital letter dated XX/XX/2020 for {$61.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Starting from XX/XX/2022, I have been receiving harassing phone calls from XXXX XXXX XXXX, a " debt collector '' for a fraudulent collection that was placed on my name. For the past 23 years, I have lived with my parents and the address this company is trying to claim I owe a debt to, to is the same property where I grew up and my parents still have the title to this day. 

I have been in contact with the girl " representing '' my claim thru XXXX XXXX XXXX, and have not given any personal information. She is the 3rd " rep '' from them that this has been passed along too and I'm sick of dealing with this already. 

I have contacted Transunion, XXXX XXXX XXXX about removing the fraud and have been unsuccessful with the first two. Transunion and XXXX have yet to correct my credit file and remove the not liable history. 

I do not wish to file a police report on a matter I have no liability, knowledge or responsibility for and it needs to just be removed. 

Transunion & XXXX have NOT properly investigated this and ignore my request to have it deleted EVERY TIME.

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 2022-10-22
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I sent a certified letter to Midland Funding LLC requesting a verification and validation of this alleged debt. I requested detailed information and letting them know that I wanted proof of the alleged debt from them. I will include the letter that was sent. On XXXX XXXX I received a letter. What I requested was not enclosed in the letter. Now I am requesting from the CFPB to investigate this matter. This is an alleged debt that was not proving that it belong to me. I am requesting that the alleged debt be removed from my credit report immediately from Midland Funding LLC. Midland Funding LLC failed to prove that the debt is mine. Midland Funding LLC did not reply accurately to my written demand for proof. I will include the tracking number for the certified letter and the letter itself, asking for proof. Neither of the requested information was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 requested validation from the bureau for the fraudulent account through the original contract. I sent in a letter and an FTC report just like the bureau requested and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.

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 2022-08-02
Company: EQUIFAX, INC.
State: TX
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:
SINCE XX/XX/2022, i HAVE REQUESTED THAT EQUIFAX PROVIDE ME WITH THE CREDITOR INFORMATION FOR 2 MEDICAL ACCOUNTS THAT ARE ON MY CONSUMER REPORT. BOTH ACCOUNTS DO NOT LIST A " CREDITOR ''. THERE IS NO WAY FOR ME TO ADDRESS THESE ACCOUNTS AS THERE IS NO CONTACT INFO OR CREDITOR NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Veros Credit, LLC
State: NV
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 a victim of identity theft and I have filed an FTC report and sent it to the company and they are still reporting this negative account on my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Collection Receivables, Inc.
State: GA
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:
Written notification for verification of who and how this alleged debt was verified to this debt collector has been sent on the following dates : XX/XX/2022 & XX/XX/2022, with no response each time. On both occasions, a 30 day investigation period was given. This company has not been in compliance of the FCRA laws during this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
YOUVE VIOLATED MY CONSUMER RIGHTS, HOW DARE YOU SAY MY APPLICATION IS DENIED XXXX. FEDERAL LAW SUPCEDES YOUR POLICY AND PROCEDURES. CONSUMERS ARE ALWAYS CORRECT. IF YOU DO NOT FOLLOW FEDERAL LAW I WILL HAVE TO TAKE LEGAL ACTION AGAINST YOU 15 USC 1691 ( K ) .READ ATTACHTMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: EQUIFAX, INC.
State: GA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: OneMain Finance Corporation
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
After XXXX treatment in 2019 I entered into a global pandemic. I was denied all aid from Iowa ( some doctor in Iowa XXXX abrogated XXXX XXXX suggestions of recovery and denied me-twice ). So I got an email from one main financial. I called them and they would approve me for a loan if I gave over my title. I was 6 months behind in my car payment and worked out a deal to settle. One main paid the balance and took the title. I was defiantly a bad choice and they gave me 33 % interest. I had only had a job for XXXX month and was fired XXXX weeks after the loan processed. They did not qualify my work history or even check to see if I had any money. They had me in and out and just kept saying just hit approve. I was seriously drugged on anti-depressants and really had no clue what I was doing. The car had a dead battery and they asked me for photos over a year old to use for an odometer reading ( they didnt care that the car was not functioning at the time-they just wanted the title ). Well I was unable to pay it off and XXXX weeks ago I was sued in small claims court. I didnt understand how to use iowas online system ( much to my chagrin the Iowa courts said I should have gotten a lawyer and that there is nothing I can do. I could try to appeal. However, now that Im 3 year post XXXX treatment and not under 6 months like when I signed my life away I can see how they saw me coming. They offered to get me a taxi to get me in the office. I explained I was a post XXXX treatment patient and needed help with the paperwork. They sped me through as fast as possible. 

I know I cant do much now ; I was totally taken advantage of during a time of duress. I was under XXXX months of XXXX treatment at the XXXX and they suggest 3 year of recovery. Which is now. I got taken for a fool at a time when I was unable to make clear choices and these folks did everything they could to get me sign away. They are predators and now that Im able to think clear ; I can see how deep they took me under. 

Shame on them ; shame on me for having XXXX. I cant believe how much they took advantage of me in a global pandemic. With my clear head, I never would have agreed to 33 % only have a job XXXX weeks prior to obtaining a loan. One main is a shameful company and I think this agency need to investigate how they practice. Post XXXX treatment me is still awed by how much they too me for a ride. They knew my car was not paid for months, yet by holding the title they knew I was not going to be able to pay them off ; they committed many crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX, I attempted to use my Apple Card to pay for a {$36.00} charge. I received an " over spend limit '' message and the card was declined. I checked my credit usage ; I had a balance of {$5200.00} with a {$10000.00} credit limit. I had already paid {$5000.00} on XX/XX/XXXX, which cleared my bank on XX/XX/XXXX. 

When I tried to reach Goldman Sachs, which handles Apple Card, I was put on hold. I tried using the chat function. I was on the chat function for nearly two hours. The third person who " assisted '' me texted that I can not use my card until XX/XX/XXXX when " the payment will be released. '' She said that she " attempted to release the payment '' but was " unable to release the payment on my end. '' They have {$5000.00} of my money but won't apply it to my account until XX/XX/XXXX. Until then I can't use my card. My daughter in college, who is a participant in this card, can not use the card. All scheduled transactions on this card, including medical bill payments, will be denied until XX/XX/XXXX. 

I have always paid my credit card bills on time. I have a credit rating of 800+.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Due to being a victim of data breach for EQUIFAX my paid services are suppose to be free. I noticed your company keep trying to charge me services that is suppose to be free. Also, the information reporting on my credit in regards to vehicles is false, medical information is false, I keep stating to update address and personal statement and have sent your company over 15 times in the last 4 years my Drivers License Social Security Card Copy of Birth Certificate all copies and your company always state you never received it. I still have USPS receipts where I would items requested for me and my XXXX kids and never get a response back from your company. Ive sent all the documents for me and my kids XXXX and yet still no response for the last 4 years. This is for EQUIFAX XXXX XXXX XXXX XXXX Ive disputed handwritten all companies. Ive sent EQUIFAX proof of all the distress and money spent behind their data breaches and yet to be compensated for everything Ive been through trying to recover me and my kids identities. Yall keep sending me the same information stating please send in proof of documentation that Ive already sent in 15 or more times. When trying to upload it it says an error. Me and my kids lost everything, not able to get housing, get a vehicle when needed due to all the things that was on my credit report from XXXX. Since XXXX EQUIFAX was suppose to compensate me for everything Ive had to go through and still havent been compensated for me and my kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have been a customer of XXXX XXXX and this account is reporting late payments when during months where payments were made and received with this credit card. Please properly investigate this and correct my credit reports. The latest reporting error being marked late in XXXX but the company confirms receipt of two payments in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: CITIBANK, N.A.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe my account was compromised. I tried to dispute this with XXXX already. I did not apply with Citi Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
While checking my American Express account I noticed there was an additional card in my name. The card had an old credit card number on it and a new expiration date. I previously had this card and American Express sent me a letter ( which I still have ) that they were sending me a new one since the old one expired and I would also get a new credit card number. This was years ago, and I have only been using my new credit card since. 

I immediately froze the card and called American Express to inquire how an old, expired card that they sent me a letter stating it is no longer in use ; the card number is not in use, how that randomly shows up on my account again years later as active. 

After escalating to the supervisor, she claimed they have had problems in their application department where individuals are trying to increase their sales and open a new account under customers name. She also claimed this has been corrected. Obviously, this has not been addressed or corrected and American Express has committed sales fraud in my name. 

The supervisor stated she would close the account and that also concerns me whether or not there was a hard inquiry and when a card is closed, I will suffer a negative hit to my XXXX XXXX. 

This is exactly what XXXX XXXX was guilty of ( among others ) and now American Express.

Company response to consumer: Closed with monetary relief