BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: Direct Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been contacted by XXXX XXXX Direct Recovery Associates , Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Tel ( XXXX ) XXXX Fax on XXXX XX/XX/XXXX, where they demanded unreasonable amount of debt from be for {$23000.00}. 

I clearly asked them to dispute since I did not owe this amount to them and I was in a conversation with them, asked them questions and just in between, they did not answer any of my questions and sent me an email saying that either I pay or they report me to credit reporting agencies. 

'Attached are the invoices and the first contract/agreement you signed and notarized. It comes with a {$10000.00} promissory note that is called upon if you failed to complete XXXX billing hours with our client for the job that they found for you. The second attached agreement was the one you signed when our client found you a project. Our client 's client wanted you on their W2, so you were to pay our client $ XXXX for the time you were on that project. As you know, you initially paid our client for a while, but then stopped. ' The above is the clarification they sent me. But, I was fired without given a notice from their client XXXX XXXX when I questioned them about the fake interviews and fake XXXX visas they provide to their customers in the promise of job and contracting them like a bonded labor. 

Now, they have reported me to the credit agency where my credit score has been blemished for 7 years. I do not understand the questions I asked for their wrong doings, followed by firing me and then reporting me to the credit agency. 

XXXX XXXX ( the other party ) asked me to XXXX the money with no properreceipt, so that they can evade the taxes. These invoices are created on a word document and just forwardedto me to send them unaccounted money. 

I'd appreciate if you could help me with this, I can provide you more details. 
I also have voice recordings where they forge and impersonate the candidate to get them a job and bond them to ask the money like this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Credit Karma, LLC
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:
Credit karma has used false and deceptive practices in reporting my chances of approval for a credit card from XXXX  XXXX. They have stated that I had a good chance of approval so I applied and was denied credit card.furthermore it has damaged my credit file in which I seek remedy and since I was denied credit I want this iqury removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My wife would like to pay down on the principle on our mortgage. She wants to speak with someone in Mortgage at XXXX ( XXXX ) directly. Please bare with me in explaining my problem. XXXX has an XXXX number that when used by the caller ask for SS # or checking account number. Here is the problem. My wife doesn't ( and I mean literally doesn't ) know our checking account number, neither does she know the password to the account. This is all factual, She doesn't know it. My wife hates internet banking, and prefers to pay her bills over the phone or pay creditors by mail. All we are asking is that XXXX provide a direct phone number to their mortgage department. A supervisor by the name of XXXX said that XXXX has no direct number to their mortgage department. I asked her to repeat that, and she did. It is hard to believe that this bank wouldn't have a telephone number per their mortgage department. If we are successful in a getting a number to mortgage, my wife will provide her name, her Social Security number, the address of the home, the name of the second name on the mortgage and the last four digits of my Social Security number. From there she would like to give the account number of her bank and the routing number of her bank for which she would like have money withdrawn from and forwarded to XXXX towards our mortgage. Again having the phone number XXXX mortgage is all we're asking... thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Credit Corp Solutions 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:
On XX/XX/2022 I requested that XXXX remove three items on my credit report. 

Credit Corp Spolutions XXXX XXXX XXXX I stated to XXXX that these items are beyond the Statute of Limitations for the State of California. They in turn stated that all three items are accurate which they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: FL
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:
Accordance with the Fair Credit Reporting Act XXXX  Account : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XXXX/XXXX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S, C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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:
In accordance with the Fair Credit Reporting act XX/XX/XXXXXXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX ACCT XXXX XXXX, XXXX XXXX,, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
As I do every year... I go online https : //www.annualcreditreport.com/index.action to get my credit report. Which I must say is getting harder and harder ... to get. 

Upon filling out all required information I receive 2 credit reports but TransUnion. I follow the instructions, and per instructions I sent transUnion a letter with what they required on the instruction online. 

After several days, I get a letter from TransUnion requesting more data [ phone, address, etc... ] but no credit report. I refuse to provide TransUnion any further information, since they are in the business of selling information to third parties & the public through their their service XXXX. Which honestly I think it should be illegal and CFPB or any other consumer protection agency should look into this and have them stop. How is it that a Reporting Agency that gathers and suppose to keep information private ... Can proceed to sell private citizens information it collects for a profit .... 

Very bad ....

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 2022-12-05
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
There are multiple credit card inquiries on my credit report some which were made when I wasn't even in the country. I contacted the credit card companies for whom which I told I don't recognize the inquiry made and that it was a violation to still have it on my credit report. I was told they were gon na mark it as fraudulent and within 30 days or more it will be removed. It has been months as I made these calls in XXXX and they are still there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
Company: Experian Information Solutions Inc.
State: CA
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:
o Whom it May Concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report.

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

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 2022-04-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I recently talk to the American Express travel agent about my cancellation about my ticket they where told me that I cant refund it they can only do is airline credit I dont want airline credit because I paid the ticket on my American Express card and my flight begin on the XXXX I want refund instead of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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:
So let me explain what happened... 

I made a purchase ... On my XXXX XXXX credit card... 

I then returned ALL items... which wasn't the issue... BUT she credited my very first card from there ( that I no longer have ) so the second card is the one I used to purchase items ... and she returned them to the WRONG card .... so that's the issue... I should have no balance! But then would t I have a credit to the card I don't have anymore... so weird... I'm not even worried about that... I just need this GONE!!! 
I also have the receipt of my returns

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The Chase United Airlines Explorer card is offered with incentives that frequently change. My wife I and each chose {$250.00} credit + XXXX miles if we each spent {$3000.00} in 3 months. We did. Chase only gave us {$250.00} credit but only XXXX miles. Chase has refused to provide the additional miles even though I have a screen shot of the XXXX miles incentive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2022, I noticed that my checkings account with Wells Fargo was negative by {$890.00}. There were multiple checks deposited into my account and taken out resulting in it being negative. These checks were all for the same amount of {$170.00}. The checks were also all the same digits besides the last number on each one. I called the bank multiple times when this first happened and they said it would take XXXX business days to resolve. On XX/XX/2022, Wells Fargo opened another checkings account in my name and closed the first XXXX. The second account they had made was now {$940.00} negative. It made absolutely no sense and the bank statements did not show why it was negative and they gave me no explanation for where these checks came from. I have called numerous times in the past 20 days and just yesterday Wells Fargo said that they can not do anything else to fix the account. A direct deposit check was deposited into that account by my job accidentally because Wells Fargo will not close my account therefore the money deposited into the negative account and the negative amount of money was taken by my check and they will not give that money back to me. I have not touched this account since the initial date I noticed the fraud which was XX/XX/2022. At this point I am helpless and this bank is not trying to resolve this issue and does not have a reasoning for why this fraud is not being disputed. They do not care for their clients. Before any of this fraud was happening in my account I had money in there that they will also not give me back. They scammed me for my money and continuously keep giving me excuses and it seems to me like they are not worried about my situation. They have not kept me updated and I have had to call almost daily to get useless updates. They will not help me and if I do not apply pressure they will just keep the money they stole from me.

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 2016-08-24
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This was for XXXX billing I vacated the house by XX/XX/XXXX and they have billed me for XX/XX/XXXX I closed the account before I moved out I called them and gave explanation and asked them why I was charged. I filled a dispute online but without any explanation on why I was charged they sent collection notice and added to my credit report. Till now I do n't know why I should pay this amount

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The credit card had additional cost for insurance incase of illness or accidents. I was XXXX and submitted every statement needed to make sure my account was paid. I now have lost all documents because I lost my house to a fire.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Credit Collection Service is collecting on a debt for XXXX insurance which was included in a Chapter XXXX Bankruptcy. This entry needs to be removed as it should have never been put on my credit report for collections. Again as stated before this is included in a Chapter XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Bread Financial Holdings, Inc.
State: SC
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 HAVE A BJ 'S MASTERCARD THAT PAYS 5 % FOR BJ XXXX PURCHASES. I NOTICED RECENTLY THAT I WAS NOT GETTING ANY REWARDS FOR MY INSTORE PURCHASES AT BJ 'S. I CHECKED MY BILL AND FOUND OUT THAT I WAS NO LONGER GETTING THE 5 % BUT WAS GETTING 0 %. I CALLED CUSTOMER SERVICE AND THEY ADVISED ME THAT STARTING ON XX/XX/2022 THEIR SYSTEM WAS NOT BEING UPDATED BY COMMENTY BANK. NO ONE FROM BJ 'S MASTERCARD CONTACTED ME OR ANY OTHER CUSTOMER AND ADVISED ANY CUSTOMER OF THIS PROBLEM! DURING THIS TIME, I HAVE SPENT OVER {$1000.00} AND HAVE RECEIVED 0 % REWARDS POINTS! THE BJ 'S CUSTOMER SERVICE CLAIMS THE PROBLEM WILL BE FIXED BY THE END OF XXXX, YET THEY HAVE NOT ADVISE ANY CUSTOMER OF THE PROBLEM! I AM NOT SURE IF I WILL BE REIMBURSHED FOR MY LOST POINTS OR NOT! I AM CONSIDERING THE CANCELLATION OF BOTH MY BJ 'S MEMBERSHIP AND CREDIT CARD DUE TO THEIR DECEPTIVE ACTIONS! THEY SHOULD BE FINED FOR THEIR DECEIPT AND DISHONESTY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Comerica
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I try to take money out of the ATM and it says please contact your finacial institution. 
When I call the XXXX it says " We are currently experiencing high call volumes, please call again later '' and hangs up on me! 
They promise " 24/7 '' customer support. I am a XXXXXXXX XXXX  service conected XXXX veteran who can not pay his bills. I don't care if you tell me I have to be on hold for a hours just don't hang up on me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Block, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
So i reported to them and sent them screenshots of my messsages trying tonresolve charges where i was basically buying one thing and i either never received it or if i did receive it it wsd buy in no means what i ordered. They refunded 2 charges but not the main ones. I asked for there reasoning theyve failed to send me report number and any details about disputes.. as you can see from attached files i ordered items from an online auction which i either never received the items and if i did it wasnt what i ordered. So i was either charge as the website said a glitch in the auction cause as you can see. The sellers blamed it on the lag but didnt fix the issie that i was out money. Cash app didnt care. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. 
They didnt even ask me what happened. They did nothing except deny my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: JPMORGAN CHASE & CO.
State: GA
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 redeemed points on XX/XX/XXXX from my Chase Sapphire XXXX XXXX credit card for a roundtrip flight to XXXX from XXXX XXXX. In XX/XX/XXXX I decided not to go on the trip and cancelled the reservation. I was told by the representative that I would have an XXXX XXXX flight credit in the amount of {$910.00} for use before XX/XX/XXXX. On XX/XX/XXXX I called to make sure my flight was cancelled because I kept receiving emails stating my itinerary changed. The representative informed me that the previous representative only cancelled one flight and not the roundtrip reservation. She went ahead and cancelled the remaining flight and I asked her to send me confirmation via email of the cancellation. She sent me 2 emails for Trip ID XXXX confirming the cancellation. On XX/XX/XXXX I called to redeem my flight credit for a trip to XXXX XXXX, XXXX XXXX. It was EXTREMELY difficult to understand the offshore rep from the XXXX, XXXX, because she had a very strong accent. She did not explain tome that there were 2 separate flight credits, one for {$550.00} and another {$350.00}. They originally redeemed my points but created separate airline confirmation codes ( not roundtrip ). She failed to thoroughly explain that the unused credit for EACH flight would be forfeited. I thought she meant the unused credit for the entire roundtrip flight would be forfeited. She processed the departure flight for {$310.00} and didn't explicitly state the difference of {$240.00} on that flight could not be used toward my return flight. I asked to speak to someone in the US because I could not understand her. She transferred me to a manager named XXXX who stated that I should have asked for more clarification. I was on the phone with them for 2 hours and 15 mins. This is the worst experience I have had regarding travel ever. Airlines don't process separate transactions for a roundtrip fare so how would I have known this. There was 1 Trip ID for the roundtrip flight reservation. The representatives should state that they are going to process the first transaction for XX amount and you will forfeit XX amount on this reservation for each flight so that consumers understand that the remaining balance can not be used even though it is for a roundtrip fare.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect items appeared in my 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