BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
My name is XXXX XXXX and I was a managed user on my father in laws card. Me made me aware that he called in about my identify theft I been fighting and was asking about who would be responsible for the fraudulent debt paid with a XXXX  to XXXX  XXXX and the answer is XXXX  XXXX. With that said he told Discover not to do anything and leave the card alone. However, the agent decided to take it upon themselves to dispute not just XXXX  XXXX but all 12 Balance transfers that were done on that card. This caused mass confusion between myself and XXXX XXXX my father-in-law. We called multiple times at first with no responses and no one able to help telling us that they can not on undispute a dispute Which makes absolutely no sense because every card company I know of has done that. This resulted in two of my credit cards shutting down because they thought I did it and that was against their policy XXXX XXXX  now has two cards shut down of mine which I was using to run my company and ultimately made me lose a ton of money and hurt my credit to the point where it was impossible to get a new one. Eventually we got in touch with somebody that undisputed the dispute and we got a letter stating that however somewhere along the line it got reversed then undisputed again and reversed then ended up saying that they couldnt determine who we were so we were responsible for the debt which also got reversed and then came the same balance that we had previous even though they took money back from XXXX  XXXX XXXX and other institutions and said that they never received it finally they ended up finding it and crediting it back but not giving it back to the company like we told them to because they messed it up so we needed the money to go back to the institution that they originally paid so the cards can get reopened and we can get a letter stating it was a bank error and there was no issue on our side Discover credit card did not do this and still to this day did nothing to help us I and my father-in-law wrote a letter sending to all institutions of the issue that was going on with Discover and that they will be getting their money as soon as we can figure out what was going on. Most institutions listened however there was time frames and discover has missed them by far which is why I have two closed credit cards which ultimately hurt my credit a lot and the inability to run a business because I need to make purchases for every guy I hire equipment wise vehicle wise so on and so forth. With this being said we need this fixed asap as I can not build my company and provide for my family. And its very frustrating and I can not continue to fight banks and credit card Companies anymore as Ive been fighting them for over a year because of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
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: Their investigation did not fix an error on your report

Complaint:
I settled my Account with XXXX on XX/XX/XXXX. 
I settled in FULL for less than the balance. 
This means in XXXX you do NOT continue to report it as if activity is on it. 
This means in XXXX you do NOT continue to report it as if activity is on it. 
You can see in another account ( XXXX ) that my settlement was done correctly reported. 
You put an N for the settlement month only. 
After that, the next month does NOT get an assigned value, and the reason is because the account is now closed, paid, and dormant. 
There is no new data to report. 
The account is settled. 
Settled is Settled. 
I called your representative 2 weeks at XXXX and they agreed. Settled is settled. 
You incorrectly stated it was a Charge Off 2 times, yet you don't put the CO code for the month, because you know it is NOT a charge off. 
I settled with a settlement before a Charge Off. This account was nowhere close to being a charge off. 
It was settled in good faith. 
I was given 3 months to pay {$380.00} each month. Instead, I paid this amount within 72 hours. The ENTIRE settlement. 
And you reward me by XXXX  my credit. 
This is not right. 
My payments were as follows : {$310.00} for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Except I paid the {$380.00} on XX/XX/XXXX and 2 days later I paid the final 2 payments together, for a total of {$760.00}. 
So in XXXX I was Settled and Paid to {$0.00} Balance. 
XXXX and XXXX there is to be no data included in those months. 
There was never a charge off.

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 2016-07-15
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling me at my place of work everyday.when I told them My employer does not allow me to receive calls here at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: DriveTime
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
DT received a insurance lease gap payment final date XXXX/XXXX/XXXX from XXXX due to accident XXXX/XXXX/XXXX Claim XXXX, after final payment was received I spoke with a gentleman at DT that advised all accounts were closed and removed from CBR which was confirmed once all XXXX CBR had DT closed, XX/XX/XXXX I received a letter advising of such Balance of {$1700.00} with a settlement request. I spoke with a female rep from DT ( XXXX ) XXXX that advised indeed what the gentleman advised was correct and account will be removed out of collections and no more correspondence would be received. Letter dated XXXX/XXXX/XXXX advises another attempt to collect ( XXXX letter a year- failed at due diligence and collection attempts ) Account Manager advised no there were no notations advising of what each rep advised but noted that I contacted. Transferred to a " manager '' advises that same. I advised her to pull the call and she advised she COULD NOT, I advised her what I was advised for going on 2 years and advised I would file a complaint to get this rectified since she was not gone to attempt to resolve my minor issue. 

I spoke to DT after filing the XXXX complaint on XX/XX/XXXX ; on XX/XX/XXXX and the customer rep who was not XXXX ( one who left message from Customer Resolution ) advised that XXXX was gone to inform me that I could settle while they review the calls for training purposes. I told the rep that their resolution was not acceptable as they had not even listen to said calls I mentioned above. 
I contacted DT XXXX back on XX/XX/XXXX and was advised the same thing, that they have not reviewed the calls yet and I could settle. I advised the rep who was not XXXX, that they should call me back after they reviewed the calls so they could finally resolve my issue besides trying to get me to settle on said balance that was supposedly " paid in full '' advised by XXXX of their reps. The XXXX rep advised that I had requested on XX/XX/XXXX to place a Cease and Desist on my account, this in fact was false and advised her to remove it because why would I request to place a C & D on my account when my issue has not been resolved. As well as advised her to review that call, because placing a C & D on someone 's account is not legal without their authorization and working with Charged Off Private Loans, it can lead to that account being placed with a Cease and Desist Law Firm.

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 2020-08-05
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:
I have tried at least since XX/XX/2019 to revolve a matter of an unvalidated account with XXXX XXXX XXXX XXXX, XXXX has received several ( al least 6 attempts ) to validate or remove the account. XXXX has not resolved this matter and the negative account is affecting my credit score, causing me high interest, higher deposits, and the denial of a home purchase. I have prof of mailed letters sent to XXXX asking for this account removal. XXXX has always come back with a " verified with creditor '' never providing information You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act.

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 2016-10-24
Company: ACS Education Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have a FFELP Consolidation loan that was originally serviced by XXXX ( I think- it could have had another servicer before that but neither Navient nor ACS will give me a complete accounting or chain of ownership of the loan ) and is now serviced by ACS Education . I have been current for many years, paying as much as I possibly can, and the principle balance has not even budged! At one point I went into forbearance when I lost my job in 2009 and then when I got a new job making much less money, I offered to pay them half of the monthly payment and they said NO, it 's all or nothing. Flash forward a year or so and I began again making the monthly payments. My loan balance BALLOONED from the time XXXX sold it to ACS. I believe there may have been a prepayment penalty that I am now funding because ACS wanted to buy the portfolio. They also arbitrarily apply my payments to principal and interest- the last time they applied any amount to principal was 4 months ago and there is no rhyme or reason why. I never received a repayment schedule from them which is in derogation of Part 682 of the CFR. They REFUSE to give me an accurate and complete accounting of the entire loan from start to finish or a copy of the Promissory Note and assignment documents despite my repeated attempts to collect the same from them. I stopped calling them a while ago because the answer is always no. I am now XXXX years old and ca n't qualify for a home mortgage because of this debt. They also wo n't remove the delinquencies from my credit report despite the fact that they are false. I pay lexington law to send them letters and they never respond. At this rate I will be paying this debt forever until I die and the principal balance will still be what it is today. This is unfair. Just like a mortgage lender they should have the obligation under the law to produce all of the records to show me why I owe DOUBLE the amount of my original loan!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: IN
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I have a rushcard with direct deposit. I found out that they were having problems and sure enough my dd didnt come. I spoke with someone in customer service who told me he couldnt tell me when my money would be available. I began to stress to him that my electric and gas will be disconnected if I dont have my money. He responded by sayin sorry to hear that but there is nothing I can do about it. I then said so you just telling me me n my kids are going to be in the dark and he said guess its a possibility. HELP. I am callin my employers first thing but im afraid they wont change it right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-03
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
According to the Fair Debt Collection Practices Act ( FDCPA ), a company is required to verify a debt using documentation held within the businesses or their affiliates. 

I would like Scottrade Bank to provide verification of any debt that Scottrade Bank or their affiliates allege that I owe. 

According to the, Fair Debt Collection Practices Act ( FDCPA ), Scottrade Bank and their affiliates are required to provide this information promptly.

Company response to consumer: Closed
Consumer complaint received 2022-07-27
Company: Colony Brands, Inc.
State: OR
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:
Credit alert regarding a Hard Inquiry that I did not request ( Ginny 's XXXX ) - Haven't even heard of the company that made the inquiry. I called the company making the inquiry and they had no record of making the inquiry on my credit report. I then filed a dispute with XXXX. They " investigated '' which was complete within an hour or two and credit report remained unchanged. I called XXXX and they indicate they can not change it without supporting documentation and a police report. First, since I requested no inquiry and don't know the company making the inquiry, there is no documentation. Second, no police department is going to file a report for a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I bought an item through PayPal and the transaction looked shady. I notified PayPal and they said they could do nothing about it and closed the dispute leaving with out my {$99.00} and item that was never delivered but sent to an unknown address in XXXX, NY. I reached out again to tell them the item was never received but sent to an unknown address and still received no help. I just want my money back. 

You'll see " PAYPAL *XXXX  '' on your card statement. 
{$99.00} Shipped to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX United States Have you received this order? 
XXXX XX/XX/2022, Sent by XXXX Status : Shipped Transaction ID XXXX Contact info Note Thank you for completing your Order # XXXX on our Online service store! Please check and complete the payment. We will confirm your payment and shall notify your soon If you have any questions, please contact us. We are looking forward to your feedback Details Sent to {$99.00} Total {$99.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This letter is to dispute inaccurate credit information present in my credit report for the amount of {$180000.00} initially reported on XX/XX/XXXX by Chase bank. 

Back in XX/XX/XXXX, I entered into a contract agreement with Chase bank to Short Sale my property in XXXX XXXX XXXX, FL., which took place on XX/XX/XXXX 
On the closing date, I signed the HUD forms and notarized all related documents per the closing agent instructions ( XXXX. ) and submitted my final payment of {$620.00} as required for the closing and transaction was closed. 

A year after the Short Sale transaction, to my surprise, I started receiving collection letters and settlement offers stating that amount of " {$180000.00} '' still owed and due to Chase Bank. 

Immediately after, I started contacting Chase Bank trying to resolve the issue by faxing and forwarding copies of the " Short Sale Offer Confirmation '' letter executed by Chase that states that " we will waive the remaining deficiency balance on the account totaling {$180000.00} '', which it seems to be ignored and/or overlooked by the Bank all this time. 

Subsequently, after calling Chase Executive office and talking to representative who was going to look at my case closely for a resolution, I got no clear answer. Few days later, in XX/XX/XXXX, I contacted Chase bank and spoke with XXXX XXXX XXXX from the collection dept. who suggested me to fax copies of my documents for further investigations, but as many times before her response was n't clear and wanted me to " settle '' the debt for less in order to move forward. 

According to XXXX and her supervisor, my original " Chase Short Sale Offer Confirmation '' from Chase was " superseded '' for whatever reason and a " new '' " Chase Short Sale Offer Confirmation '' is now in place stating the amount of {$180000.00} is still owed to Chase. 

According to her, my original " Chase Short Sale Offer Confirmation '' letter releases me " only '' from interest on the property, but not from the debt? This statement is vague and confusing to me and defeats all of my intentions for short-selling the property in the XXXX place. 

Enclosed are copies of the HUD settlement statement, the Chase Short Sale approval letter and Short Sale closing documents to support my position. Also, I 'm enclosing a copy of the XX/XX/XXXX collection attempt from Chase. 

Please feel free to contact me if you have any questions or if more documentation is needed to resolve this dispute. 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card
Issue: Transaction issue

Complaint:
I opened a credit card in XXXX 2009 with Chase Bank in order to make a mortgage payment on my Chase Mortgage. I conducted the transaction at a Chase branch in XXXX, OK. Apparently, Chase classified that as a " cash withdrawal '' at the branch. Because of this categorization, since XXXX 2009 until present they have been charging me an interest charge on this transaction that has cost me approximately {$1200.00} in interest charges alone. I have never made a cash transaction with the credit card and Chase making such a distinction for their own benefit is outrageous!!!! 
Then they tell me the interest charges will continue until I pay the balance in full. I have the card closed and in a debt reduction program through Chase. It has been closed for over two years now, almost 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NC
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:
Equifax leaked my personal info including SSN, DOB, drivers licensee number and address

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I disputed an account from XXXX on my credit report over 4 months ago and you have failed to resolve the trade line investigation, based on these facts the trade line must be removed by law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
The account was opened around 2016 fraudulently using my identity information ftc, bank and cfpb was notified

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 2021-09-22
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 is missing that should be on the report

Complaint:
ALL BUREAUS ARE REPROTING WRONG CURRENT ADDREESEES ESPECIALLY EXPERIAN. SEE ATTACHED

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 2020-05-22
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ACCOUNT IS INACCURATE Date opened is inaccurate high credit is inaccurate comments/remarks are inaccurate Payment history is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. I BELIEVE THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COMPANY AND THEY ARE COOPORATING.

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
15 U.S. Code 1681i - XXXX in case of disputed accuracy Dates on accounts are showing inconsistent information and many inaccuracies. 
Dtae opened balance XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX Bankruptcies eported by XXXX XXXX and not original furnisher XXXX  XXXX Bankruptcy inccorect name of company XXXX SSA/OFFICE OF FINANC different account number DELETE UN Verfied information Fcra states the first party has to report information on consumer credit profile accurately DELETE due to inaccuraties and unverfied information

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