BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-24
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021, upon checking My PayPal prepaid app and noticing several unauthorized transactions from debit card to my account, I called PayPal prepaid at XXXX at XXXX XXXX. I spoke to an agent and let her know unauthorized charges were being made with my debit card number online, I stated I wished to cancel the card, because it was apparent it had become compromised somehow. She stated that she would send a new card in the mail, and that my disputes of these unknown and unauthorized transactions would be investigated within 10 days. 

On XX/XX/XXXX, I recieved my usual, weekly direct deposit from XXXX. 

On XX/XX/XXXX, i recieved my usual, weekly direct deposit from XXXX. 

On XX/XX/XXXX, I recieved an email from PayPal Prepaid, requiring that I submit via email, a written dispute of the hundreds of unauthorized transactions that I reported orally on XX/XX/XXXX. It was stated I must do this to qualify for a provisional credit. I emailed and submitted my dispute document on XX/XX/2021. 

On XX/XX/XXXX, i received confirmation of receipt of requested documents. It also stated my next update regarding my dispute would be XX/XX/2021. 

On XX/XX/XXXX i recieved new card in the mail. 

On XX/XX/2021, I received a text message from XXXX stating there may be a problem with your PayPal prepaid card. Please call XXXX before using your card. I immediately tried to check my account via the PayPal prepaid app, I could not access it, my access had been blocked. So I called the number listed in the text message. 

I was then told by an agent, that my account had been closed down indefinitely due to fraudulent activity. I could not access my direct deposit from XXXX that day, or ever. When asked about my provisional credit, I was told I was denied any such thing. I explained I was already late on my utilities due to this and I explained this was the only account I had. That I fully depended on that account. On top of that I was told my investigation would be extended until XXXX. Finally after begging for access to my own money, I was told to borrow money from family if I needed to pay bills and then I was hung up on. Now, my phone is shut off due to non payment, I cant not pay my bills since my money has been stolen from me from the card issuer. 

The responses I have recieved from PayPal prepaid are unacceptable, woefully deficient, and disrespectful. My husband and I have missed going to 3 weeks worth of work due to this issue and have now both lost our jobs because we have not been able to access our funds so we can get to work. We have lost so much do these illegal, unfair, and harmful acts done by the card issuer.

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 2017-10-17
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
AFFIDAVIT I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 5 years. 

My name is : XXXX XXXX XXXX File Number : XXXX ( XXXXXXXX XXXX ) Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX  XXXX My current phone number is : ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: FORD MOTOR CREDIT CO.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX a vehicle financed with Ford Motor Company was stolen and considered a total loss by XXXX XXXX. XXXX XXXX requested several documents to initiate the GAP claim and relied on the information provided by Ford Motor Company. Ford Motor Company provided documentation that I, XXXX XXXX requested XXXX payment extensions on the auto loan, therefore XXXX XXXX only paid out {$7900.00} and there was a remaining balance of {$1400.00}. 

XXXX requested 2 loan modification extensions but only received 1 loan modification extension which changed the loan payments from 60 months to 61 months. 

Ford Motor Company was made aware that incorrect information was provided to XXXX XXXX, however failed to set the record straight. From my understanding of the situation a representative stated in the notes of the financial record that XXXX did receive XXXX loan modification extensions. 

Today, XX/XX/XXXX I was made aware that a demand letter was mailed on XX/XX/XXXX, however I did not receive any prior written communication regarding a demand letter. No certified proof of mailing was able to be provided by the company. 

A complaint was filed against XXXX XXXX XXXX XXXX to provide accurate information regarding the record of the loan. Based off the information that Ford Motor Credit Company has provided, XXXX XXXX XXXX XXXXXXXX has responded with incorrect information that XXXX has received XXXX loan modifications. 

Ford Motor Company employees have failed to clarify the financial record which has resulted in an underpayment from XXXX XXXX GAP insurance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later and I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. In Section 611 ( a ). it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act Barclays Bank DE XXXX has violated my rights. 

15 USC 1681 Section 602 states : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Per XXXX XXXX they were unable to pull out my information with my name social security number date of birth they may be fishing for some information and they reported to account one for {$300.00} and one for XXXX and they need to be removed because they were able to prove elevation or locate the account seems like it 's fraudulent

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 2019-12-02
Company: Experian Information Solutions Inc.
State: CA
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

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 2019-08-07
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
One Main Financial left a voicemail message on my phone regarding my past due balance on XX/XX/19. Per North Carolina state law, creditors are not permitted to leave voicemail messages for debt collection purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent a letter over to Experian for investigation into the accuracy of the information that has resulted in a public record Bankruptcy. They sent a reply back within 6 days, when a proper investigation takes up to 30. I contacted the Federal court and they stated they do not verify any information over the phone. I would like Experian to provide me with verified proof. I also did a dispute with XXXX XXXX XXXX XXXX XXXX reviewed the bankruptcy information. Case or ID # XXXX the results are : This item has been deleted from the credit file. If you have, additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX. Attached is proof of this account being deleted!!! Please follow suit and delete this information as well. I formally request that the following inaccurate items be immediately removed from my credit report. This must be removed in order to show my true credit history, as these items should not be on my credit 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 explanation
Consumer complaint received 2017-03-15
Company: ACIMA CREDIT, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do n't know about this account I did contact this company already and they said they were going to remove it from my credit report but now they 're contacting me about this account again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: JPMORGAN CHASE & CO.
State: FL
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 rewards from credit card

Complaint:
I received this e-mail ( service message ) from JP Morgan Chase and Co. ( Travel ) on XX/XX/2021 : We're writing to confirm that your refund of {$130.00} and XXXX PTS was processed on XX/XX/2021 for the Chase Travel itinerary XXXX. As of today, XX/XX/2021 the refund has NOT entered my Credit Card Account. After speaking to some very caring but powerless associates, it was suggested that I contact Chase Privacy Operations in writing. I have sent a letter to CHASE PRIVACY OPERATIONS on XX/XX/2021 about this problem but have NOT been contacted by anyone as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: CA
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:
Upon receiving my dispute for " ONLY '' XXXX XXXX XXXX on Experians dispute form they provided, along with all required documentation, they admittedly made an error in disputing information I did not authorize on XX/XX/2022 report # XXXX. I spoke with the dispute specialist who assured me it would be taken care of, as it was their mistake in confusing a check fraud claim from the FTC Identity Theft Report XXXX, in turn, filing a dispute ( without my authorization ) to remove my XXXX XXXX XXXX XXXX account from my report causing a drop of XXXX on XX/XX/2022 & an additional XXXX on XX/XX/2022 totalling XXXX from Experian and XXXX 's from XXXX & XXXX also ... 2 hours prior to my having to call XXXX XXXX and try to resolve it myself. Failing to correct their own mistakes caused me to completely start over again with XXXX XXXX. This was poorly handled with NO apology or resolution. I request everything be reversed immediately and they be held responsible for my troubles of this occurring after tirelessly cleaning up the nightmare of being a victim of ID Theft and at the very LEAST offer me free credit monitoring to prevent even them from possibly doing this again. 
Thank you for your consideration in this matter

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 2017-06-21
Company: American Credit Acceptance, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have a car loan through American credit acceptance for a XXXX XXXX XXXX  The vehicle was sold to me in XXXX for approximately {$10000.00}. The total payments I have made have exceeded that amount but because of the interest and fees caused by late payments the finance company still has my balance at close to {$6000.00}. On XXXX XXXX, XXXX I contacted ACA in regards to the condition of the vehicle. I advised at that time that the vehicle is barely in working condition and asked for my options. I was told about a settlement offer. The agent instructed me to take the vehicle to a mechanic and get an estimate for the needed repairs and to fax it in along with a settlement offer that I think the van is worth. The mechanic recommended getting rid of the vehicle as the repairs needed would be well into the 1,000s, would n't guarantee a fix, and would n't be worth it based on the XXXX XXXX value. Based on the mechanics estimate I offered {$750.00} which is the trade in value on that vehicle in excellent condition which this van is not. On XXXX XXXX, XXXX the company received my paperwork by fax. The agent I spoke with said the account is put on hold until the settlement is reached. My offer would be reviewed and either accepted and a letter will be sent stating that I have 30 days to pay or a counter offer will be sent and if I accept I have 30 days to pay. My account was not in repossession status at that time. While waiting on the decision from the company the condition of the van worsened making it unsafe to drive. On XXXX XXXX, XXXX the vehicle was repossessed from in front of my house. I contacted the finance company who admitted that the settlement process was not marked on their end as started and although they received my paperwork to start the process it was not started so the account was not put on hold so eventually it went into repossession status. The error was with someone in the company not completing the necessary steps to get the settlement started but when I spoke with them they put it on me for not calling back when I was told submit the paperwork and I would be contacted. Also they did not accept my offer but raised it to {$1000.00}. So when I said that was n't how the settlement was supposed to work, I was supposed to keep my van get the title and do with it what I pleased and now I have nothing and you still want me to agree to the settlement. I was told that 's the best they could do even though the van should n't have been repossessed. I want this van showed as being paid or settled and no repo on my credit because it should not have been repossessed when the account was on hold and I should n't have to pay the settlement offer if I 'm not getting my van back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 explanation
Consumer complaint received 2017-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 spoke with a Supervisor by the name of XXXX at TransUnion on XX/XX/XXXX at XXXX XXXX. I was informed by him that I could not dispute inquires by phone or online and was not able to dispute any inquires over 30 days old. <P/>I am a victim of fraud and have sent TransUnion my police report backing up my claim twice within 2 months and last year XXXX when I discovered fraudulent activity that continues. I requested a link where I could verify TransUnion inquiry dispute policy but was told I could not have that information by XXXX  XXXX at TransUnion. <P/>I have had a fraud alert placed on my file since XX/XX/XXXX and I am still not being contacted prior to information being ran.

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 2017-06-21
Company: JPMORGAN CHASE & CO.
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX,2017 I called Amazon chase company asked what the pay off was. They gave me the amount in which I paid ofc account. I then receive a bill for a interest payment for the next month. When card was paid off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
There was a fraudulent charge on my card with chase. I got a new bank card, and the charge was for a second annual pass for universal. I explained to them that I already had one, and they saw those charges. They gave me the money back. {$190.00}, but 3 weeks later took it back without providing any information. When I called them they said that they saw the charges for XXXX was mine and the other XXXX was not in my name but they could n't verify the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-21
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
It sure would be nice if someone at JP Morgan Chase cared enough to thoroughly research this matter for a change rather than send the same old replies. I am not going to stop writing about this matter. <P/>I have written previously and will continue to report JP Morgan Chase until we receive a satisfactory resolution. <P/>JP Morgan Chase is the sorriest excuse for a mortgage company. I am writing about the mortgage in the name of my father, XXXX XXXX XXXX, XXXX and I have full authorization to discuss the account. Several years ago we started the process to obtain a loan modification. Of course we were unsuccessful trying it on our own so we hired an attorney to assist us and JP Morgan Chase had requested the same documents from us over and over again which we have sent EVERY document that was requested of us numerous times and in a timely manner. They told us numerous times that they did not receive them and requested them again and again. Evidently they sat somewhere on someone 's desk and did not get processed as they should have. This has been reported before by other mortgage holders with them and JP Morgan Chase has even been fined several times for such. <P/>Then they basically accused me of lying when I told them that after calling in and making several monthly temporary payments in a row, which we were set up for, one month I called to make the next payment and the person told me that she could not take the payment because our account was under review for a loan modification, ( well duh, that is why they were temporary payments ) I even gave them the name of the person that told me that and the telephone number that I called so it can be researched since their calls are recorded for quality assurance and training but obviously no one even cares to research any of what I have been reporting over and over again. <P/>They said that my father whose name the loan is under did not reside at the property so that was a reason why they denied the request. That was not true at the time of the request. <P/>There is no reason why we could not have been approved for a loan modification to safe our home. We even paid off the second mortgage on the property but that didnt even seem to matter or account for anything. <P/>The property was scheduled for foreclosure but a representative from JP Morgan Chase told our attorney at the time that the sale was postponed because they were going to review the modification again per the request of our attorney but they still proceeded with the sale anyway. It should have never happened. <P/>They claim to want to help their customers save their homes but they did not do a single thing to help us save our home and foreclosed on our home leaving me homeless.

Company response to consumer: Closed with explanation