BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I started having an issue with logging into my account on line with Chase.com. The system requires a secondary verifiction code that I have been receiving via my home phone for MONTHS. Approximately 3 weeks ago I was no longer receiving these calls so I called Chase Technical support and was told that my phone company was blocking the number. So I called my phone company and they verified that there were no numbers blocked. I then called Chase at least 3 more times and was once told that now I was only to receive text messages but made the correction and I should now receive the calls. Well the problem did not go away and I was told again that my phone company is blocking the number. After another call to Chase they finally created a ticket to research the issue. I received a phone call after 5 days days and was told that my line was a VOIP and not a land line and was being blocked. I then called XXXX and was told that my phone was a land line and not cellular or anything else. They also never heard of the issue and they receive calls from their bank on these lines. So I have spent a considerable amount of time trying to get this resolved and was LIED TO numerous times about what is causing this issue. When I asked about receiving the calls for MONTHS they replied that it was a glitch in their system that allowed the calls to go through and now they block them. One day the calls go through and the next they are blocked. They said that they do not consider VOIP line secure to which I replied that are they less secure than cell phone that can easily be hacked. First, I should not have had to spend this amount of time to try and fix a simple issue in addition to being LIED To numerous times. Secondly, if this is not resolved I will consider changing banks after being with Chase for over XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: MI
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:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 account that is still reporting on my report : XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Balance : {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
AFNI put a XXXX collection on my credit report. I did not receive notice from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Advance Bureau of Collections
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out two both the credit bureau and The agency to verify this debt over the last three months have sent debt validation letter to both with no responses

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Minto Financial dba Minto Money
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was behind on some bills in XXXX so I searched online for loans from companies like XXXX who have fair lending policies. Minto was recommended so I applied and was approved for {$1200.00}. Neither the annual percentage rate for this loan nor the repayment amount was written upfront on the screens for this loan application online when you get the message your approved. It wasn't until after I signed and received the loan that I saw the repayment agreement buried in the loan forms emailed to me. I have paid over {$1200.00} at this point and the loan agreement says the repayment amount is {$7500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: CITIBANK, N.A.
State: NY
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:
Ordered a service from a merchant. XXXXXXXX XXXX application acknowledged the refund/cancellation request but delayed in processing the request. Nearly three months has past since attempting to cancel in XX/XX/2022 and knowing my time to dispute the transaction was closing, I contacted CitiBank regarding a {$1000.00} price billed to my account on XXXXXXXX XXXX 

I attempted to dispute the charge to my account for this service by CitiBank. The below are the details of my interaction with Citibank 's dispute a charge process. 

XX/XX/2022 : Initiated Process XX/XX/2022 : Received a letter from Citibank requesting information and my contact with the Merchant, and details of the steps I took to resolve the issue with the merchant. 

XX/XX/2022 : Received call from Citi ' dispute center to go over this dispute. I explained to Citi that the merchant refused to process my refund. Thier app was the way I was directed to use. Mid-way through the steps, the App just stop progressing in the refund. Dispute center took my information and conducted their investigation. 

XX/XX/2022 : XXXX challenged the dispute showing I purchased their service. Citibank closed the investigation in favor of the merchant. In the letter, Citibank requested I show an email that the merchant accepted my cancellation request. 

XX/XX/2022 : I adhere to Citibank 's request for cancellation request. I submitted to Citibank that the merchant 's app acknowledged my cancellation request and request that Citibank continue with the charge back. 

XX/XX/2022 : Citibank sent another letter stating that they may be able to assist me if merchant agreed to credit my account. and I should seek other means to obtain credit. 

XX/XX/XXXX is the last communication prior to this complaint. Now I am in a XXXX for the reason I originally started the dispute the charge process was because the merchant didn't want to refund me. Now, Citibank is asking for an email that shows the XXXX agreed to credit me. This request is unreasonable when the merchant showed they weren't willing to refund me and challenge the charge back from Citibank. From Citibank moving the goal post to placing me in a XXXX situation, I turn to writing this complaint to the XXXX against Citibank.

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 2022-08-23
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-27
Company: JPMORGAN CHASE & CO.
State: SC
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:
XXXXXXXX XXXX new card incentive XXXX points after spending $ $ $ they cut it back to XXXX have screen shots of offer I applied for and response from me and company. Seems like a canned response, dont know if it just went to a bot XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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 submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. XXXX XXXX DAE OPENED XX/XX/XXXX BALANCE : {$350.00} ; XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00} ; XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00} ; XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00} ; JXXXX XXXX XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX and hoping that these XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Late payments will be removed.

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 2022-12-07
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
XX/XX/2022 ( Sat ) : At XXXX ( call duration : XXXX XXXX  ), I informed representative that I could not sign-in to my account online. The representative, who could not speak XXXX well, kept telling me I could just go online to access my account. I again told her I could not sign-in to my account online! I told her I was getting an error message that said, " A system error has occurred. Please try again later. '' She responded by telling me I was using the wrong username ( which is not true, because I copy & paste username from a text file ). She told me to use all lower case letters of my username instead, and to wait XXXX XXXX  and try again. 

XX/XX/2022 ( Sat ) : At XXXX ( call duration : XXXX XXXX  ), I called back and told the representative that I still could not sign-in to my account online. The representative just tells me to go online and access my account. Again I told her I could not access my account online because you are not allowing me to sign-in to my account! She then tells me to wait XXXX XXXX  before trying to sign in. I told her I did wait the XXXX XXXX  and more, but still could not sign in. She then reverts back to telling me to go online and access my account. I again told her more firmly, " I Can Not Sign-In to my Account Online! '' She then puts me on hold and never returns. 

XX/XX/2022 ( Tue ) : At XXXX ( call duration : XXXX XXXX  ), Called to cancel this account, but no answer. 

XX/XX/2022 ( Wed ) : At XXXX ( call duration : XXXX XXXX  ), Called to cancel account, but no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: WSFS FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Back I'm XX/XX/2020, I was defrauded by someone that accessed my XXXX account through my Wilmington Savings Fund Society checking account in the amount of {$950.00}. When I reported the fraudulent action to my bank, a bank customer support representative submitted my information to the bank 's fraud department and after weeks and weeks of going back and forth to the bank and calling on numerous occasions seeking answers, I was informed that the customer representative who was working on my case had transferred to another state and no one else ever attempted to assist me with this matter. I eventually became frustrated at their lack of effort in reimbursing me my lost funds of {$950.00} that I basically gave up. Whatever assistance you may be able to provide in this matter is greatly appreciated. Thank you and have a good day. 

Sincerely, 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 explanation
Consumer complaint received 2022-12-07
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a credit card account with Milestone Mastercard issued by XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021. The initial annual fee in the agreement is {$75.00} and then {$99.00} thereafter. When I received the card it already had a balance of {$170.00} for the annual fee. This is not what I agreed to and is fraudulent. I called immediately and asked to cancel the card. They told me to register and to do it online. When going online I am unable to cancel the card. I spoke to a friend in finance who advised not to activate the card or use it. I never activated the card nor used it as it is NOT what was agreed to and I have the agreement from the company showing they fraudulently charged a higher fee. I called today to cancel yet again and she said I will get a letter in the mail but there is no other confirmation number or email that can be provided. She then said she had another offer for me and could give me a {$25.00} credit. I told her it is ridiculous to offer me {$25.00} when they charged an additional {$100.00} without my authorization. I want this credit card off of my credit as it is not what I authorized nor agreed to. Banks should not be able to legally charge consumers fees not in the agreement and contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
TRANSUNION is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given TRANSUNION permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, TRANSUNION are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX. XXXX ) I have not initiated any transaction with XXXX XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX  for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Consumer Adj CO. who listed as the debt collector, whom I have no knowledge of, reported a debt for XXXX XXXX Professionals who is listed as the original creditor reported to XXXX and XXXX a fraudulent debt of XXXX that is stated to have opened XX/XX/2022. This is fraud! An attempt to fraudulently collect monies. I do not have an open or closed contract, agreement nor contact verbally or non-verbal with this entity and have no knowledge of this company. It also shows record Consumer Adjustment CO is a closed facility, or non-operating entity. This entity has been sued constantly and lost cases for fraudulently creating false claims of debts owed. Per the XXXX.org website, each case they lost. I've never received any communication. This is a fraudulent debt collection attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I received mail from TD bank checking account bonus in XXXX. I opened account online and met all requirement in XXXX. I should receive bonus on XXXX but I didn't receive checking account bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: NC
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:
Experian : High Alert Mortgage Credit Pulled Spoke with Experian About the Incident which happened on today XX/XX/XXXX after telling company XXXX XXXX XXXX not to pull my credit due to high identity theft past couple of years and now trying to rebuild my credit. They immediately first starting speaking about my credit to make sure there were no bankruptcies on file. I showed them my credit score on my phone so they could clearly see no bankruptcies were there. Upon leaving my credit was pulled and high alert of mortgage pull was placed on my credit after stating many times. I did not want my credit pulled

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: EQUIFAX, INC.
State: IL
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:
I sent off a letter letting the credit bureaus know that they have 5 days to respond to my letter with all the information that I asked for them to give me. It has been longer than 5 days, it's almost been two weeks. I just need this account removed from my credit report because they are violating my human rights according to the fair credit reporting act and have been harassing me for the last couple of years and I want {$1000.00} per violation. I already sent documents proven how they have violated my rights and they have yet to respond in the time they were supposed to. PLEASE DELTE THE ACCOUNT. Attached documents below show proof how the violated my rights and along with the letter I sent via certified mail and still got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: EQUIFAX, INC.
State: MD
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:
Account Name : XXXX XXXX Account Number : XXXX The credit bureau reported information on my credit report that they have been unable to verify and that I have not consented to. 

In accordance with the Fair Credit Reporting Act, XXXX Account # 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 an account without my written instructions. 

I requested an investigation into the account and the credit bureaus have failed to provide me with any verification of this account. I can not trust the accuracy of this reporting with several inconsistencies in the alleged information. If this account is truly accurate, the information reported across all bureaus ( including the date last active and date last reported ) would be an exact match. 

Because of these inconsistencies I specifically requested the contract, note, or any other instrument bearing my signature. I requested bank transactions that belong to this company that would prove my payments were not accepted on time. As part of the verification investigation, I also asked for the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance Again, the credit bureau was unable to provide any of these items or any other documentation verifying a thorough investigation was completed. 

As a result of this unverifiable information, I request that the reporting of this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Honda Financial has repossessed my vehicle with no advance warning because there were at least XXXX late payments past due, they acting as total predators I have offered to pay the back payments in order to cure the default, it was the first time late and being repossessed, Honda Financial should have given me an opportunity to catch up with the late payment but instead they are demanding the full buyout amount for {$35000.00} and not considering any reinstatement in good faith, apparently they can make more money repossessing

Company response to consumer: Closed with non-monetary relief