BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-20
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have once again fallen victim to corporate greed in this country. As a college student I feel very vulnerable to banking institutions tactics to create overdraft fees among many low income citizens. The impact of such irresponsible behavior by this institutions spreads in every aspect of my daily life in the most pervasive manner. I struggle to meet ends meet and being in a university, as it is widely known does not come cheap. Every dollar counts and I intend to make every hard earned dollar go towards my education. Not to make banks richer nor become a source of unjustifiable profit. I have no trouble paying my bank the fair fees for the fair usage of their services. Unfortunately overdraft fees do not fall into that category, especially when they are created by corporate tactics with the specific purpose of creating such fees by manipulating timezones limits on deposits. I always get paid after XXXX MST which is a reasonable time to get paid by every standard. I just see no reason whatsoever why banks can not accept deposit made before XXXX XXXX to be processed as a same day transactions. There is no logical conclusion in this time and age when information is available instantaneously, other than authority to impose such restrictions in order to gain profit from a certain portion of the population that work during the night shifts. We have to create awareness that it should be up to us, the consumers and not some financial institutions that " are too big to fail '', to determine our economic future ; by the sweat of our labor and our conviction to pursuit financial growth that will help us reach economic freedom. I am very frustrated citizen and I am looking for alternative ways to manage my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The company is discriminating against me by closing my account in retaliation for filing claims and attempting to check the status of my claim. I was never notified that I violated any policies or agreements between Chase Bank and myself as a customer but Chase Bank elected to close my account advising me that I had violated an agreement in the past and that they will not allow me to open a new bank account. Chase bank has not and will not inform me of what guideline/agreement was breached or how it was breached. 

In early XXXX, I lost my debit card while traveling back and forth for XXXX. A few days later I began to see fraudulent charges on my checking accounts online portal. I immediately contacted Chase to report the fraud, Lock the Account, and order a new Card. The Original banker to take my call was very helpful and advised me that it can take 8-10 business days to remove the fraudulent charges and that a team member would contact me for additional information if necessary. I began to see all but one fraudulent transaction reversed and wasn't contacted by Chase for 2 weeks. After noticing a new transaction appear on XX/XX/XXXX that wasnt reversed I decided to call myself to check the status on XX/XX/XXXX and ensure the account was in fact restricted as promised by chase. I was notified by the customer service representative that their claims department has decided to close the account. No additional information was provided to me regarding the reason for closure. The customer service rep was nice enough to elaborate on how the account was attacked but couldn't tell me why I wouldn't be able to open a new account. At this point I feel like chase is taking advantage of an unfortunate situation in an effort to shed low income members who don't provide additional or as much profits for the bank as wealthier members ( i.e they're using the covid-19 pandemic and issues arising from it to target poor people ). Thank you for taking the time to read my complaint and investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-07-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my first complaint against Experian credit Bureau, I have submitted 4 times letters with disputing accounts that are not mine, Only Experian has reported these accounts on my credit history. I'm victim of identity theft and I have also filed FTC Report, Experian credit Bureau has refused to investigate these accounts after my second letter, since that no response at all, I believe it's a violation of law. 
These accounts are not mine and they are result of identity theft : XXXX XXXX  account number : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX All above must be deleted from my report immediately

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 2016-02-29
Company: United Shore Financial Services, LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/2015, I closed a house through a short sale transaction. The mortgage company United Wholesale Mortgage accepted {$340000.00} as the net proceeds. They reported on my credit report that the account is closed and less was accepted towards payoff. However, when I look at my account online or when I called to discuss the XXXX that I received, my account still shows open after 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX - called cable company ( XXXX ) to cancel my service. 
Order confirmation # XXXX XXXX XXXX XXXX XXXX given to close account. 
XX/XX/XXXX - dropped off XXXX equipment per instruction. Transaction was logged and an email with return details was received ( see attached ). 
XX/XX/XXXX - Received bill in the mail for {$240.00} for unreturned equipment. 
XX/XX/XXXX - Immediately called XXXX, was directed to a call center and employee XXXX made the correction and provided me with confirmation # XXXX for a {$240.00} credit. 
XX/XX/XXXX - An amount of {$240.00} was posted on my XXXX card by XXXX. 
XX/XX/XXXX - XXXX emailed to inform me that I will be getting a credit of {$230.00} on my next bill XX/XX/XXXX - received collection notice dated XX/XX/XXXX from CCS ( Credit Collection Services ) XX/XX/XXXX - A letter to CCS and XXXX was faxed and mailed. 
XX/XX/XXXX - Submitted a Complaint to CFPB

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: General Motors Financial Company, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
GM Financial indicates that they have charged off an account on my credit report, but are still reporting a past due balance and balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 obtained my annual credit report XXXX/XXXX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XXXX/XXXX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-XXXX cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! XXXX XXXX XXXX? 
XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Rent Recovery Solutions
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rental Recovery Systems, They are saying I owe a balance from XX/XX/2016, XXXX XXXX 

This is not owed because the apartments broke our lease due to a spike in crime, car was stolen, other car broken into, and neighbor had attempted home invasion by burglars. We worked with management to terminate the lease and at that time were absolved of any further financial responsibility. I called numerous times to verify this. Manager was XXXX at the time and because of the safety issues we were told we owed nothing else. This should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Bread Financial Holdings, Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: CHECK INTO CASH INC.
State: UT
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
Yesterday morning XX/XX/2017 I received a harrassing call from a lady stating she was calling on a debt for Check into cash. She advised me I owed XXXX and wanted to know how I was going to take care of this debt. I advised that at this time I had No way of being able to make any type of payment on this account because I had been fired from my job while XXXX. She said that I needed to do something because they were going to take legal action against me. She then said what about your XXXX you own XXXX XXXX XXXX. I told her I had n't had that business for years. She then said I needed to call my father to get the money from him and that he also has a business called XXXX. I told her my father is in his XXXX 's and that he owns the home I live in and has been letting me go without paying rent because of my situation and that I would not call him to get the money to cover my debt. She mentioned him at least 3 times in the conversaton to cal and get the money from him. I was very upset at this time and told her again I would not contact him and again I had no money. Advised I could n't even pull my vehicle out of the garage becauseI had No gas.She said well I have no other alternative. I will let them no so they can proceed with the legal action. About 10 minutes after hanging up with her my Step mom called and said this lady had called them advising there was a claim against me and that they needed to help me with it. She brought upMy dads business to her as well and my step mother said he is retired and only keeps the license up for his self. The lady said she could n't disclose the full details of the amount needed on the claim but told my step mom to call me and give her permission to find out the claim details. My father is not in good health and this was very upsetting to both of them as well as it was upsetting to me. Neither of them were on my listed contacts an they should not have been notified and harrassed. I am in a hard situation right now because of my job letting me go and waiting on unemployment if approved. The phone numbers this lady called from was XXXX and gave my step mom this number to call her back on XXXX ext XXXX I called te lady back on the XXXX number and advised her she had upset my father and she had not better ever call them again. I also advised I was turning her in and she said to turn her into who ever I wanted she did nothing wrong. Bank was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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 recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and account reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You're require BY LAW to report things 100 % accurate on my credit profile. How is there several late payments being reported for this account? I request your company to provide me with proof of these alleged payments being late. Im requesting verifiable documentary proof ( e.q., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed above. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid derogatory information from my consumer report.

I am demanding that this account be deleted.

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 2019-12-19
Company: E*TRADE BANK
State: VT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tryed to transfer money from XXXX XX/XX/XXXXto etrade bank. Transaction did not go thrue and etrade bank put restrictions on my accounts and making unreasonable demands. 
I already call on phone and send documents they requested but they started demand new statements after it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Ray Skillman Westside Imports Inc
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a car from Ray Skillman Westside Auto in XXXX, IN on XX/XX/2017. The finance person named XXXX XXXX, tried to lie to me about having to take warranties in order to get auto financing. Later on that day I called another Ray Skillman location in XXXX and they informed me that information was not true that all the warranties are optional and up to the customer. I called on XX/XX/XXXX and talked to XXXX in finance. She told me to come back in and she would re-do my loan I drove an hour and a half there for XXXX to tell me she could not help me and to call XXXX on XX/XX/XXXX. On XX/XX/XXXX I talked to the manager there XXXX XXXX and he still did not want to provide me a resolution to the problem. I called XXXX XXXX and they told me the loan had no been financed yet and th dealship just needed to call to put it on hold until a new loan application could be done. I called XXXX back and he assured me he would contact XXXX and put the app on hold. He did not do this. So I drive another hour and half on XX/XX/XXXX and when I get there XXXX tries to tell me he ca n't help me because the loan was processed this afternoon. I had to tell him that his manager XXXX assumed me I would not be driving 3 hours round trip for someone to tell me they can not help me again. XXXX then called XXXX and they told him to process a new loan app. Then XXXX again still tries to make me take out an anti theft warranty and tells me it automatically comes with the car. I said no it does not because I have called your other locations and your manager XXXX XXXX and they all say its optional. I told him to go talk to XXXX. He comes back in the office and says to me well we normally do n't do this but since you are friends with the sale rep we wo n't charge you for the anti theft warranty. He then processed the loan as I ask just the car and no warranties. I took an additional 6 hours of my time to get them to give me any help. I owe them {$200.00} on a down payment, and I think they should be held responsible for the time and gas I spent coming back when they refused to assist me and because I was given false information by XXXX. XXXX XXXX tried to lie and fraud me out of XXXX for a anti theft warranty that was optional.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22
Company: EQUIFAX, 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 recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and account reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You're require BY LAW to report things 100 % accurate on my credit profile. How is there several late payments being reported for this account? I request your company to provide me with proof of these alleged payments being late. Im requesting verifiable documentary proof ( e.q., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed above. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid derogatory information from my consumer report. 


I am demanding that this account be deleted.

Company response to consumer: Closed with explanation