BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-14
Company: JPMORGAN CHASE & CO.
State: CA
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:
In XX/XX/2021 I received an email saying thank you for your order I automatically replied with I never authorized the charge totaling XXXX from a XXXX company I did not recognize, I disputed it the second I was able to on my chase account and XXXX account both. I emailed the phone number that messaged me of an order placed. I responded with I did not authorize there as well. They went back and forth with me several times insisting that the charge was refunded once they received whatever it was they set my way. did not accept the package so I do not know who or what was sent. I tracked the package which showed it was in fact returned. I followed up with the merchant, chase and XXXX XXXX and the merchant both insisted it was chase that was not letting the money come back to me. Chase never offered to close that account and open me a new one. Every time Ive contacted them ive been hung up on, yelled at, or just gave no assistance in the matter whatsoever. I went into the branch after faxing the disputed documents over 4 -5 times on my own and had the bank fax them. I was given an email to send disputes to and sent 3 total emails and never once had any of them acknowledged. I dont know how else to get my money back. The worst banking exerience Ive ever had.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Midwest Recovery Systems
State: MS
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:
Midwest Recovery Systems LLC has opened an account using my information to report misleading and inaccurate information on my credit report. I have never entered into any contract or signed any documents or made any agreement with this collections agency. They have no right to furnish any information on my credit report. I never gave them any permission. Also, I sent a debt validation letter to them and they have not sent a valid response. They should be shut down! They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and making it impossible for me to obtain credit. Please remove this account from all 3 credit bureaus, XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( 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 non-monetary relief
Consumer complaint received 2019-12-18
Company: CURO Intermediate Holdings
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
A fake company called Speedy Cash loans sent me an email on XX/XX/2019 about being approved for a loan up to {$2000.00}!! Kept getting calls from them ( XXXX ) XXXX! I talked to a guy named XXXX with an XXXX accent! He asked me to pay {$50.00} down due to bad credit! Asked me to get a card ... XXXX  or XXXX XXXX XXXX after I asked to pay with my credit card! Went to XXXX XX/XX/XXXX and got a {$50.00} XXXX XXXX card! Called back and he asked for {$140.00} more! I finally caught on and told them Im gon na get them for ripping off a XXXX woman! Ive had a lotta credit checks without getting the loans..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX continues to report erroneous inquiries and public record information related to a closed fraud investigation in which no loss was incurred. I had written to them, under an FRCA complaint, and they stated that the information would be removed within 60 days. It has now been over 8 months and the Lost/Stolen information is still showing in my credit file under Public Records. They are in violation of the FCRA ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a long term installment loan from Check N ' Go at XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ( business is abandoned no one there? ) I went to get a full and proper forensics accounting of my loan and make a Cash Payment as I always have. I could NOT do anything as the business is ( CLOSED ) Permanently as they shut the doors and left? NO one to get in touch with, many people standing outside like me were left in the Dark? 

At no time was i ever told the business would suddenly and secretly close in the dark of night and take all records and Vanish and disappear? NO ONE ever contacted me nor bothered to let me know they would secretly close and take all the records and leave going out of business? 

As a XXXX  XXXX Veteran i have no idea what is going on and what to do, i called the number in the window and NO ONE answered the phone, i called another store and was told " Oh they went our of business due to Misconduct and fraud " I now am left with no records no place to get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Experian Information Solutions Inc.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
This is a complaint against XXXX XXXX XXXX filed by XXXX XXXX. I have been a customer with XXXX XXXX XXXX since XX/XX/2015. Since this time they have shown to be unethical. Totally disrespect I have direct deposits and every time I would receive a direct deposits I would notice money missing from my accounts even when I was n't using the card. In XX/XX/XXXX I had to get a print out of my transaction history. For XXXX when I looked at my transaction history I notice money was being paid to Experian Credit, XXXX XXXX and XXXX which I had not authorize. I contact XXXX XXXX XXXX filed a dispute against the XXXX companies. The money was returned. They cancelled the card and put a tempary freeze on the account until they investigate. Then in XXXX the took the money put of my account account again. I called them they said they find in favorite of the business and I need to contact the business and get my money refund back. I called Experian talk to customer service clerk she ask for my Ss no. I told her I do n't give that information out so finally I give it to her she find no account. Then asks for my Debit Card number I give her the information she ( cs ) clerk tells me their are XXXX accounts open using that card andshe asks me if I know a XXXX XXXX or a XXXX XXXX. I told her I do n't know an XXXX XXXX but I know a XXXX XXXX but neither one of them live at this address. She ask if they had access to my information. I told them no they do n't live here and have no knowledge of what Bank I use. They asked if I left the information on my computer its possible but I doubt it because no one lives in this house but me. And I told them XXXX XXXX does not need to steal money from me. If anything I might need to borrow some from him. But for as XXXX XXXX I do n't know an XXXX XXXX. They said since the card was in my possession. I probably did it or let someone use my card. I told them not I did n't. I asked to speak to a manager. They transfer me to XXXX. I ask her to refund the money she said they can only transfer on payment back if that. Have my bank to dispute it. I called XXXX XXXX XXXX and gave them the information. The said the dispute is closed you can file a reconsideration. I did the said because we have the same last names and I had possession of the card the dispute is closed.

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 2017-04-17
Company: DISCOVER BANK
State: VA
Product: Credit card
Issue: Billing statement

Complaint:
I obtained a balance transfer to this Discover card with 0 % interest. Subsequently, I made some purchases at the regular purchase rate of 15.74 % in the amount of {$520.00}. In XX/XX/2017, I noticed that the " balance subject to interest '' was now at {$610.00}. I paid {$620.00} that month believing that I would only have the balance without interest remaining. However on the next statement the balance subject to interest was standing at {$430.00}. At this point I called customer service at Discover to find out how much I needed to pay to avoid paying any further interest fees and was told they had no way of knowing. The customer service representative said to call back next month ( after another month of accruing interest ) to find out how much I would need to pay to eliminate the balance subject to interest. 
I feel this " balance subject to interest '' on the statement is deceptive and that there should be an easy way for consumers to determine how much is needed to eliminate that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I received a notice informing me that I have a judgement against me for an account from 2001 I have done some research and discover that the statute of limitation to collect this debt has passed. 
The lawsuit was filed without my knowledge taking away my ability to respond to this complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 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 2021-12-14
Company: EQUIFAX, INC.
State: NY
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TOT INACCURATE INFOMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS.

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 2020-04-22
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Have tried 3 times to apply for COVID-19 payment forebearance through the app, an error message popped up saying unable, try again later. I have called but nobody will get on the phone to help me. My husband is furloughed and we are unable to keep up on our bills.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
ON XX/XX/19 I WITHDREW {$4500.00} FROM CHECKING N MONEY MKT. ON XX/XX/19 I WITHDREW {$4500.00} FROM CHECKING. I WAS RED FLAGGED N QUESTIONED ABOUT 2 WITHDRAWALS. I WAS A BIT UPSET CALLED 800 NUMBER. A XXXX READ ME THE RIOT ACT ABOUT MAKING 2 LARGE WITHDRAWALS IN A 4 DAY TIME SPAN. HE ALSO INSINUATED I WAS DOING SOMETHING FRAUDULENT BY GOING TO 2 DIFFERENT BBTS. HE SAID I MUST GO TO MY LOCAL BANK N NOT BANK TO BANK. ON XX/XX/XXXX I WAS IN XXXX GROCERY SHOPPING WENT TO BBT THERE. ON XX/XX/XXXX I WAS AT DOCTOR IN XXXX  XXXX N WENT THERE. HE THREATENED TO FREEZE MY ACCOUNTS AND REQUIRE APPROVAL BEFORE MAKING ANY MORE WITHDRAWALS. I SAID THIS IS MY MONEY N HE CAN'T DENY ME ACCESS TO IT. HE BASICALLY STATED YES HE CAN. I WAS MADE TO FEEL LIKE A CRIMINAL FOR TAKING MY OWN MONEY OUT OF THE BANK. 

ALSO ALL MY MAIL IS TO GO TO MY PO BOX BUT ITS GOING TO MY STREET ADDRESS. I DID AN ADDRESS CHANGE XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 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 2017-04-19
Company: JPMORGAN CHASE & CO.
State: NE
Product: Credit card
Issue: Credit determination

Complaint:
I am  a  XXXX  yea r vet of the  XXXX   XXXX  with  XXXX  guaranteed incomes, recently retired from my  XXXX  job/career and applied for a  Chase Freedom  Unlimited Credit Card. My only negative is a paid in full Chapter  XXXX  bankruptcy that was done  in  XXXX .it  is set to fall off my credit reports this year. I was declined   XXXX   by  XXXX  and then  XXXX  even after contacting both customer service pages on  XXXX  and  XXXX  and being told to call back in. If this is h ow Chase c ares about vets it is truly disappointing. I even asked for a lower limit to start off with as this what I understand to be great company and great card to have. My wife who has the exact same " young '' credit history was approved ( minus the bankruptcy ) so I tend to feel this has more to do with ageism as I am   XXXX  year s her senior and less to do with " insufficient credit history since bankruptcy ''. I have  XXXX  debt,  XXXX  credit  card,   XXXX    years positive  rental reporting and a remaining positive a car I bought  XXXX  years ago on my  XXXX . I am very saddened that Chase does not value this countries veteran 's more and enough to give them a chance for their service when they have  XXXX  guaranteed incomes and a recent " young '' but  XXXX  percent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: NY
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:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on Experian 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the public record reporting on my Credit Report : ( XXXX XXXX Bankruptcy # XXXX XX/XX/2019-Discharge )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Hi XXXX XXXX a letter of Garnishment from XXXX XXXX, XXXX as assignee of XXXX XXXX The amount they claiming is XXXX and XXXX court cost.k ow just last year I received the same Garnishment from the court house of XXXX GA saying that this case was closed due to wrong info. XXXX XXXX info. And the other information on me was incorrect. So.know I received the certified mail from C/O Hayt ' Hayt & Landau.PLXXXX Ga,XXXX XXXX I have received threatening phone calls .and I did try to call last year.and spoke with some one but she was trying to get money from me .in a way I did not like. The original balance was XXXX. So I don't know what is true and what is not or who is who. But the sad thing about this is I have another card with this bank. thanks XXXXXXXX XXXX XXXXXXXX

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 2017-04-18
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian put an item on back on my credit after taking it off three years ago. Back in 2014 I disputed an Verizon item which got resolved then recently looking at my credit report I noticed it in the collection section on my report. How can something become resolved deleted then three years later just throw it back???

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 2017-04-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have attempted numerous times to have the below items removed from my report regarding identity theft. The bureau keeps responding with stall tactics after I have sent my  ID, Proof of a ddress and police report.

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 2017-04-19
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received a letter from  XXXX   XXXX   XXXX  on   X/X/XXXX  cl aiming they are collecting a debt in the amount of {$460.00} from an account in my name from  XXXX   XXXX . I do not owe this, so I contacted  XXXX   XXXX   XXXX  immediately and asked for validation of this debt. Never heard from them. I contacted CFPB on  X/XX/XXXX  and filed a complaint about this issue.  XXXX   XXXX   XXXX  responded to me through online portal for CFPB on  X/XX/XXXX  stating that they would stop all contact and collections until they had sent me validation. 35 days have past I never received validity of this claim. However,  XXXX   XXXX   XXXX  has reported on my credit file under the name  XXXX   XXXX   XXXX  and also under the name LVNV Funding LLC as if they have validity of this claim and as if I have received from them validity of this claim, of which I have not. And caused my credit file to take a  XXXX  digit decline.I have never done business with either of these companies and have no outstanding collection accounts until they hit me twice with their claim. They claim an account number ending in  XXXX  is an account they own and are collecting from me, but after 35 days has not given me any validation to this claim.

Company response to consumer: Closed with explanation