BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I could n't see my credit score in free online 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 2022-11-11
Company: Spring Oaks Capital, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/11 @ XXXX XXXX XXXX XXXX XXXX called from phone number XXXX and stated that he ( XXXX XXXX ) was from XXXX XXXX XXXX XXXX XXXX stated that his " client '', Spring Capitol, was trying to collect a debt. When I asked if they ( XXXX XXXX XXXX ) had bought the debt, XXXX XXXX stated " no ''. Once I pointed out that 15 USC 1692 ( a ) Communication with the consumer generally states " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ''. XXXX XXXX then gets erratic and says " What do you plan to do about it ''. When I tell XXXX XXXX again that he ( XXXX XXXX ) is not allowed to contact me since they ( XXXX XXXX XXXX ) are not the ones who I owe the original debt to. XXXX XXXX then begins to say " Do you need me to tell you for a third XXXX time ''. I proceeded to tell him to not contact me again and he hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being sued for a debt on a Macys / american express credit card. it is being reporting on credit bureaus as AMEX/DSNB account... XXXX and the balance as {$3.00}, XXXX ( XXXX XXXX, XXXX XXXX and XXXX XXXX dollars ) I requested documents to verify this information. for the past 2 yrs neither Macy 's or American express were able to prove this account belongs to me and refuse to remove this account from all three credit bureaus ( XXXX, XXXX XXXX XXXX ). I requested from the credit bureaus to send me what information they have that this account is verify, and they have not. XX/XX/2022 I sent a letter to American express requesting information on this account and have not heard from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I used the ATM in a XXXX store to make a withdrawal. I was alerted that there would be a {$3.00} fee to which I agreed to pay. When I checked my bank account ; instead of there being a {$3.00} amount on a {$140.00} withdrawal for a total of {$140.00} : there was a separate {$1.00} miscellaneous fee also. This fee was not indicated at the time of my withdrawal. If Chase Bank does this with every customer, they are making a ton of money illegally. Please look into this fraudulent practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: JPMORGAN CHASE & CO.
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This is follow up on my previous complaint against Chase Bank. Also update on the {$100.00} that is on hold when will i receive itWe are keeping {$100.00} in a suspense account due to pending claims that you filed. The expected resolution date for the claims is XXXX XXXX, 2015. Once the claims are finalized and if approved, {$100.00} will be mailed to you in a cashier 's check. We have received multiple complaints regarding the same issue and going forward we will no longer be responding to you about the same issues. 
We are keeping {$100.00} in a suspense account due to pending claims that you filed. The expected resolution date for the claims is XXXX XXXX. Once the claims are finalized and if approved, {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an email on XXXX XX/XX/2022 from Bank of America that I submitted a credit card application on XXXX XX/XX/2022 for the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with an application reference number. I did not submit this application and have no accounts with this bank. I attempted to call them to submit a fraud claim, find the details of the application and cancel the applications but was told their office was closed and couldn't help me. I spoke with their generic help line, their manger in the credit department and their fraud specialist. None were able to provide me the details of the application nor cancel the application. They even asked for personal information such as my social security number, which stood out to me since I do not have any accounts with this bank nor did i submit this application.

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 2022-11-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I mailed the debt collector ( Portfolio Recovery LLC ) a debt validation letter. I have not yet received any communication from them. They are still reporting the debt to the credit Bureaus on XX/XX/XXXX which is the deadline for Their XXXX validation window. I have not not received a proper debt validation that proves they are legitimate owners of the debt along with a signed contract or official document where I stated I am taking on the debt. I would like the collection taken off all credit reports and stopped being pursued in my name as is my right under the Fair Debt Collections Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: TD BANK US HOLDING COMPANY
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have disputed with my auto loan company due to late payments and them being revised due to XXXX XXXX. I have written letters to this company disputing that all my payments have reflected differently with all 3 credit bureaus. I have given them 15 calendar days to resolve these issues but no response. I have called this company numerous times asking for extensions in the years of XXXX and although they were offering XXXX XXXX options I was not able to obtain help due to not having an amount of funds available.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
In XXXX XXXX I deposited XXXX checks from an insurance company into a XXXX Savings account with Bank One in XXXX, Ohio. In XXXX XXXX the account had a zero amount the account was depleted of money by bank employees. In XXXX someone removed money from the XXXX Savings account and invested it with Banc One Securities I never knew of this transaction until XXXX XXXX I got a statement from Chase Bank securities saying that I had to acknowledge this account or it would be depleted. How could I respond to a letter not knowing what it was all about because I never set up the account. In XXXX a XXXX XXXX from the trust account department met me at the bank but never bothered to tell me about this account. He appointed himself my investor and took over the Banc One Securities account. As with the {$70000.00} that was in my checking account in XXXX and a XXXX XXXX removed it without me writing a check.The {$70000.00} was invested with an XXXX XXXX company and then in XXXX {$54000.00} of the {$70000.00} was put in a Chase Bank Securities account for my daughter XXXX. {$200000.00} was removed from my Money Market savings account and put in a Bank One savings account then in XXXX XXXX I was called to come to the bank and a XXXX XXXX set up a Trust account I was n't ready to deal with the insurance money they took it upon themselves to handle my money. I was like putty in their hands because I was grieving my husbands death and ignorant of the ways of banking. In XXXX XXXX XXXX removed {$62000.00} from XXXX of my accounts and invested it with XXXX different firms I never got this money back. I called the bank in XXXX and a XXXX XXXX after typening in my SS number read off an amount of {$380000.00} then called me telling me a XXXX XXXX XXXX had to handle this account I never received this money. This is a story that needs to be told people need to know what to do if they are missing money from their accounts. I feel the bank employees are in charge of the bank there is no one watching them they have free access to any depositor 's money.

Company response to consumer: Closed
Consumer complaint received 2022-11-11
Company: World Omni Financial Corp.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2022 around XXXX XXXX  to purchase a vehicle that is dependable because the one I just got is not. I found a truck I really liked it reminded me of my old truck that i no longer have, it was a good truck. Then we went inside and filled out the application where I told him upon completion as I was signing for consent to run the credit check to only run it once. They assured me that they would then they ran it through TOYOTA XXXX XXXX as well as SOUTHEASTERN TOYOTA FIN as I learned through XXXX XXXX. At this point I was informed I would need a large down payment with the credit score they pulled. to which I handed them a copy of the following violations along with some definitions from this website and XXXX XXXX XXXX XXXX A SHORT LIST they took adverse action against me in denial of credit as codified in 15 USC 1691c and is also civilly liability under 15 USC 1692k. they are subject under criminal liability under 15 USC 1691 as I have proof that I was denied credit due to the response I received as well as the print out of denial. they are in violation of 15 USC 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit was not extended to me. Furthermore, my social security number ( credit card ) was used and I received no benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of SOUTHEASTERN TOYOTA FIN AND TOYOTA XXXX XXXX I have reached out to TOYOTA who reached out to TOYOTA XXXX XXXX and SOUTHEAST TOYOTA FIN gave me a run around. I am also aware they are in violation of 15 USC 1681n and 15 USC 1681o, along with a whole list of other violations. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
I had a Bluebird American Express card from XXXX in the name of XXXX XXXX. My sister XXXX XXXX who lives in XXXXXXXX Arkansas stole my card and has stolen several checks from me via USPS mail. Deposited them onto that card and spent my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is an address in Georgia on my credit report that does n't not belong to me. I resided as a student on college campus in XXXX, GA, but not XXXX. An account was open in my name and social security with XXXX and XXXX using that address and I reported fraudulent activity about 2 1/2 years ago but the address has not come off my report. I do n't want any other accounts abled to open by this mistake on my record. Hopefully this can be resolved within a timely manner. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a voice mail at work over the weekend for a name I couldn't completely understand ( sounded like XXXX XXXX? ), but it was not recognizable as mine nor any of my coworkers. Said she was XXXX with " Comenity Bank '' and to please call XXXX ext XXXX. So I tried to on Monday but that phone number is now " not in service '' ( 2 days later ) so I tried the number that she called from : XXXX. That number IS Comenity Bank but none of the options are to talk to a person, so I entered the extension number and it took me to " payments '' and wanted me to enter my account # OR my social security number, of which I did neither. At no point can I tell this company to not call our office again as they are either 1. looking for someone not here or 2. phising for information like social security numbers .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
My name is XXXX XXXX. I currently bank with Chase. They have a service called XXXX. 
I have used this service in the past successfully. 
On trying to use this service again, I just found out that they changed it. The person receiving the funds is now required to submit their financial information to a third party called " XXXX XXXX '' My con plant is that I was never asked about this, or any discussion submitted The Chase financial institution, without my permission has required my friends to submit thier financial information to an unknown third party with unknown and unvetted credentials. 
This is a serious and onerous breach of trust and SECURITY since the aforementioned bank, Chase, recently experience a massive breach in security, requiring them to cancel all their cards and issue new ones with added security. 

In light of this fact, it seems to me the height of arrogance, insolence, aloofness, superciliousness, chutzpah and disdain by the bank, to subject the customer and the customers financial friends to a third party and unknown security credentials without permission. 
I am extremely disappointed in Chase and their behavior. They are always asking for feedback and customer satisfaction, but I see now that all is is merely lip service and means very little. If they truly were concerned with the well being of their customers, they could have, and would have asked for the customers opinion and carefully weighed the customers concern and explained the matter, instead of acting in such an imperious and 19th Century provincial, highhanded and uncaring manor. 

Thank you. 

XXXX XXXX XXXX.,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I got a voicemail from a woman named XXXX XXXX saying I would have to appear in court with a case number, and if I wanted to contact the filing party. I called the filing party, but the man, in a completely different state named XXXX XXXX of the XXXX XXXX XXXX had no clue what I was talking about, but would not give me the name and address of his company unless I presented my " case number ''. Fearing this was a false debt collector especially due to the voicemail, I hung up without giving him any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX is now the loan servicer of my student loan. This loan was transferred to them from a company called XXXX. I was never informed of this transfer until after both agencies contacted me demanding money. This is not allowed by law as it states a consumer is to be notified in writing before such actions are taken. 

Under the Family Education Rights and Privacy Act of 1974 all my student records are to remain private between myself and my institution, I singed an agreement with my university vowing none of my information would be shared with third parties or it's affiliates. XXXX clearly states that all records including my transaction history is to remain private. Reporting my personal identifiable information to the XXXX major credit bureau 's violates this act. 

Further under the Privacy Act of of 1974 it clearly states no information is to be shared without my permission. I never gave permission nor have I ever waived these rights. 

By placing this very private and personal information that is supposed to be between myself and my university, all my information is available for anyone to see. This information can be used to prejudice me and used against me. This agency along with the XXXX XXXX XXXX and XXXX have willfully misused my private information. They have also ignored my request, also available by law to opt-out of reporting this private information. 
16 CFR 6805 states companies are to provide consumers the option to opt-out of certain credit tradleines from being placed on their credit report each month, yet this is not enforced. I wrote these agencies requesting to opt-out yet they chose to ignore me.

Due to the damaging and purposeful misconduct of these agencies I am seeking remedies immediately. I have files a Fraud report with the FTC because that exactly what happened. Anytime a consumers private information such as name, address, phone numbers, social security number, complete transaction and financial history is given to another person, company or other and used for any purpose they want, and without their knowledge - that is called Fraud. My social security number belongs to me and the Social Security Administration, no one else, it is backed by the Federal Reserve. and is not to be given to anyone.

Please see the attachments provided. I demand this information be removed from all three credit agecies, as allowed to me by law within 4 days under 15 USC 1681, 605 - block of information from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: FL
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:
I wrote the three credit bureaus, XXXX, Equifax and XXXX  on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Months ago I went to the bank to get options from regions bank about IRAs. I explained I was interested in a IRA but this employee insisted on telling me to put the money in a annuity after I explained what I needed the money for. She did not tell me all the of the pitfalls of the annuity. When I needed to take out money for an emergency I then learned from the annuity that there was a stiff penalty. I complained to the bank manager after finding out the penalty and he said he would cancel the annuity for me after being duped by this bank employee. It was never done and I have a medical emergency and can not take out the money without a stiff penalty. I do not know where to turn to. Please help.

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 2015-03-21
Company: Global Recovery Group
State: NH
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX/XXXX/XXXX I received back to back calls from ( XXXX ) XXXX & one call to my home. Voicemail was left by XXXX, stating that needed to verify address & employer so they could process their claim against me. Threatened to contact my references. Was told I could call ( XXXX ) XXXX, no other information was given. I could on XXXX/XXXX/XXXX & was told that they, Global Recovery Group, were trying collect on a Payday loan that I " applied '' for online & " received '' from XXXX XXXX XXXX in the amount of {$450.00} back on XXXX/XXXX/XXXX. I informed that that I never took out such a loan & never heard of this company. Insisted that because they have my email address that I did do it & just do n't remember the name because the online site was just how I applied. They also know my bank account number which has me nervous. Was given a website, openconsumer.info that allowed me to access my account with them using my claim # XXXX. It shows my SS # and address, but no date of birth or employer. it has a tab to view documents but no documents are there. I faxed bank statement with just deposits visible to prove no deposits were made in that amount at the time they say I took out such loan. I asked for verbal & written confirmation that the matter was resolved & was told that they could not do that. When I explained that all debts paid get proof, I was told I was being too technical. The website now shows inactive with a balance of {$620.00}. This has all the signs of a scam/fraud. The XXXX XXXX is warning consumers to be aware of scam debt collectors operating into south Louisiana. 

The XXXX has recently received several calls from concerned residents concerning at least XXXX variations of this type of scam over the last two weeks. 

The first scam involves scammers calling consumers and informing them they would be arrested by local law enforcement in the immediate future if they did not immediately remit payment for a payday loan they took out months or even years prior. 

In most cases, residents have never even taken out these loans, but the XXXX has received reports of people paying XXXX to avoid the possibility of arrest. 

These callers are also persistent and violate state and federal phone collection laws by calling at all hours of the day and night to home, cell and work numbers. 

Scammers do this in order to either annoy residents at home or embarrass innocent employees at their work place in order to pressure them into paying in order to stop the harassment and threat of possible job loss.

Company response to consumer: Untimely response