BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: JPMORGAN CHASE & CO.
State: MA
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 XX/XX/2022 I authorized a charge for {$1000.00} over the phone for a reservation deposit/partial payment on my cousin 's XXXX  bill ( XXXX for her XXXX  dog ). I specifically stated that I was only authorizing {$1000.00} and that any balance would remain my cousins responsibility and was between her and the merchant. The merchant agreed and confirmed this over the phone. The {$1000.00} was billed to my card. 

However, later that day there was a dispute between my cousin and the practice. My cousin felt the XXXX  was negligent and caused her whole litter of puppies  to XXXX  at birth. Accordingly she refused to pay the balance and informed the merchant to sue her and she would counterclaim negligence. 

The merchant instead charged the outstanding balance to my card ( it appears they saved my card number without authorization ). 

I did not authorize the merchant to charge any amount in excess of the initial {$1000.00}. I did not authorize the merchant to make additional charges to my account. I did not authorize the merchant to store my card as a " back up '' payment method. 

Chase advised me that I am responsible for the additional {$2500.00} charge since I did business with the merchant by authorizing the initial {$1000.00} deposit and the matter is between me and my cousin. This is incorrect. I am only responsible for the {$1000.00} that I authorized to the merchant. The outstanding balance is between her and the merchant because I did authorize such charge. 

Just because I authorized one transaction with a merchant ( aka did business with such merchant ) does not give the merchant the right to continue to charge my card as they please and without further authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank Of America did not notify me prior to placing hold on my account. They were served a Levy on XXXX XXXX, 2016 same day my funds were placed on hold, my only income ( pension ). I was not notified by the collector Levy was mailed to me same day. I am almost XXXX years of age worked hard all my life, until I had to take early retirement due to illness. This has placed in hardship with overdraft bank charges. I have filed complaint against the H.O.A. as well through this system.

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 monetary relief
Consumer complaint received 2017-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I requested a copy of my credit report via Annual credit report. I contacted Transunion on XXXX XXXX, XXXX to correct inaccurate information. The individual updated all of my personal information per my request ; however refused to delete inquiries though I advised that I had not authorized the inquiries and was unaware who those companies were. The representative from Tranunion stated that it was MY responsibility to contact the companies who illegally pulled my credit. Though I was upset by this, I did contact each one, that day. They all referred me BACK to Tranunion because they had no record of my ever applying for credit with them and stated it was Tranunion 's error. I sent a letter via certified mail on the same day, tracking number XXXX which they received XXXX XXXX, XXXX requesting again for a few credit inquiries to be removed because I had not authorized them and per FCRA only permissible purpose for pulling someone 's credit was for a firm offer of credit, insurance, employment or court order. This week, I received another letter from Transunion explaining what credit inquiries are and they were not removing them. I pledge that I have no knowledge of the following credit inquiries that are erroneously being reported by Transunion even after it has been brought to their attention : XXXX on XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX/XXXX/XXXX ( the inquiry on XXXX/XXXX/XXXX was authorized by me when I opened an account this past XXXX, according to XXXX XXXX the XXXX/XXXX/XXXX should be a promotional inquiry NOT a hard inquiry ). 
I am requesting that Transunion, immediately remove the aforementioned credit inquiries.

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 2015-05-12
Company: ALLY FINANCIAL INC.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX I signed a contract to purchase a car with Ally Financial through XXXX XXXX XXXX. My XXXX payment was due XXXX XXXX, 2015. In that time, I suffered some financial difficulties and could not make my minimum monthly payment. I spoke with a representative of Ally to notify them of my situation and hoped that we could make alternative arrangements until such time as I got back on my feet. I informed them I could n't make the minimum monthly payment of {$170.00}, but I could make at least {$100.00} payment every month. The company refused to lower the payment amount, and is now harassing me with telephone calls asking for payment. They call me on my cell phone, they call me on my work phone ( State agency ), and they call my home number which is no longer in service. They have at least XXXX different representatives call throughout the day, every day, seven days a week. They are also sending me threatening letters in the mail, telling me that they will repossess the car if I do n't pay the minimum amount every month and make another payment to catch up what 's left. I am doing what I can to ensure they are at the least getting something. I have no alternatives.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I 'm filing a complaint because Transunion has ignored my request to provide me with validation of the debts that I do not recognize. I sent a certified letter on XXXX/XXXX/2015 and I have yet to receive a reply. Being that they have gone past the 30 day mark and have not sent a letter verifying these accounts, I would like them removed from my Transunion credit report. It is a serious error on their part.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: Midwest Recovery Systems
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my XXXX credit report & noticed a derogatory mark on my credit report from Midwest Recovery Systems concerning an unpaid loan in the amount of {$1400.00}. It states the original creditor was XXXX. I do not recall this loan which is from XX/XX/2015& I never received a letter or phone call before this was added to my credit report. I request verification or immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian continues to lower my score each time i submit a dispute about account with XXXX XXXX XXXX. The account has been delinquent 10 yrs and they are allowing the creditor to to still report even though acct is 10 yrs old n experian isnt asking for proper records showing the account has been deliquent for 10 yrs. and experian can not explain to me why they continue to lower my credit score with disputes n no changes to credit report at all. Experian is completely fraudulent in lowering my score and i feel they are doing it with no just cause and maybe should have a class action lawsuit against them. They lower my score 17 points today with no reason why? N 8 points last week no explanation. Theres no changes. I need answers and need experian to fix this and make it right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
on XX/XX/2020 I sent to XXXX a certified letter Detailing my private information. I told them I had only the information of : Name : address : Phone : XXXX : SS # : Work : And that no other past information was to be reported because I can only be reached at the current information provided. 

With this letter, I sent a second letter detailing companies who affected my credit by pulling credit inquires without my written permission and none of these issues have been fixed. 

I have called several times and even tho they state they have been fixed when they send me a new credit report the information is still showing. 

Attached is the first set of letters. I have sent a second set of new credit inquires which has not been responded to which I will file at a later date when the 30 day mark is reached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I recently received a copy of my credit file where I found 2 accounts for XXXX XXXX XXXX/ Total card account number XXXX and account number XXXX both accounts state s status of included in bankruptcy but also shows sold to XXXX XXXX XXXX XXXX and Im receiving collection notices from XXXX XXXX XXXX Im also receiving collection notices from XXXX XXXX XXXX trying to collection on the same 2 accounts ( letter attached ) And a third collection notice from XXXX XXXX XXXX for the same accounts This is a direct violation of Fair credit reporting a creditor can not sell an account if it is discharged in bankruptcy nor can the company that purchase the debt collect on it Also 3 companys can not collect the same debt Also any account listed in credit report must have payment history which neither account has listed

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 2019-12-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, This letter is a formal complaint that XXXX  is reporting inaccurate and incomplete credit information on my Credit Report. 
Please remove the following inaccurate personal information : Also known as XXXX XXXX XXXX, XXXX   XXXX Address 2 : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Address 3 : XXXX XXXX XXXX XXXX, LA XXXX Collection Creditor : ARS ACCOUNT RESOLUTION XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : ARS ACCOUNT RESOLUTION XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : ARS ACCOUNT RESOLUTION XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information )

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 2019-12-27
Company: CL Holdings LLC
State: MN
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:
I paid the balance to XXXX  to Jefferson capital systems in XX/XX/2019. They told me that they sent a message to the credit bureaus that my account was paid in full on XX/XX/2019. However it is still showing on my credit report that I have not paid it off. When I disputed it on XX/XX/2019they said that they did an investigation and it shows that the information is correct. When it is not

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: Stearns Ventures, LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We closed on our new home at the end of XXXX 2014. Our title company held money from us at closing to pay for 2014 taxes. When the tax bill came in the mail the title company paid the taxes and refunded back to us the extra money they had collected to pay 2014 taxes. We then noticed in a mortgage statement that our lender claimed to have paid the 2014 taxes. We called our title company and they told us no, the title company had paid the taxes and the title company sent us proof of payment and a refund of the overage they had collected at closing to pay taxes. I have repeatedly reached out to our lender to get this corrected and to no avail it still has not been corrected. I want this corrected and the money put back into our escrow that should have been in there the past 6XXXX months, and ensure we have not been paying interest on an " advance in escrow, '' payment that it states when we log into our account online. Would like this corrected immediately, been trying for over 6 months to get this corrected, been more than patient with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: FMA Alliance, Ltd.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Contacted another individual about a debt that they say I owe. Never have they send me a written verification of who they are, who the debt belongs to. They openly shared my name, DOB, and medical facility that I went to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: PA
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:
On Monday, XX/XX/2022, I contacted Equifax Credit Report regarding my credit score. Prior to contacting Equifax, my credit score was XXXX. However, once I conveyed my displeasure that the score given to possible creditors who inquired about my credit information from Equifax and my credit score was given to them to be XXXX. I was then placed on hold and within minutes the representative dropped my credit score down to XXXX. When asked why did my credit score drop down XXXX points, the representative informed me that it was due to my student loans showing to be under XXXX XXXX. I informed the representative that my student loans are no longer under XXXX XXXXXXXX, and I have an income based repayment plan. My XXXX XXXXXXXX was discharged in XXXX XXXX. 
Also, I informed the representative that it is showing me to owe XXXX XXXX XXXX {$310.00}, which is incorrect. To date, I am a XXXX customer and have car insurance through XXXX. The representative placed me on hold and as I type this complaint, I have been on hold showing 1 hr and 3 minutes. 
I have screenshot the information of Equifax prior to my telephone conversation, and after my 5 minute conversation with the representative. In addition, my mortgage is not shown on my credit report. 

The representative from Equifax falsely lowered my credit score, and the information shown on my credit report is incorrect and falsely placed on my credit report. This type of fraudulent should not be tolerated, especially towards a XXXX Veteran who served XXXX years in the XXXX XXXX. 

I would like to file a complaint against Equifax for reasons mention above. 

I can be reached for further information at XXXX. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
RE : LOWE'S/SYNCHRONY BANK : LOWE'S/SYNCHRONY OFFERS SPECIAL 0 % RATE FINANCING FOR CERTAIN PURCHASES OVER CERTAIN DOLLAR AMOUNTS. 

PROBLEM IS THEY DON'T APPLY PAYMENTS TO THE HIGHEST INTEREST RATE PURCHASES FIRST, AND THEIR STATEMENTS DON'T CLEARLY DISTINGUISH THE AMOUNTS DUE DATES BASED ON DEFERRED AND NON-DEFERRED CHARGES. 

LOWE 'S NON-DEFERRED INTEREST RATE IS 26.99 % ON MY ACCOUNT, WHICH IS EXTREMELY HIGH, AND MAKE THEIR DECEPTION ONLY ALL THE MORE CRIMINAL.

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 2016-10-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Hi, I just attempted to obtain a free copy of my credit report from Equifax online, using the official website listed by the FTC ( XXXX ). I was able to get to the Equifax free report website and provided all the requested information. Without any explanation ( i.e., no message that my information was incorrect ), the site directed me to fill out a paper form and send it by traditional mail. The paper form required a lot of additional personal information that is not required for obtaining an online report. By doing this, I believe that Equifax is attempting to circumvent the free online service that it is required to provide. Please look into this issue. 
Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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/XXXX, Transunion verbally agreed to remove XXXX XXXX Account all negative and collection accounts information from credit bureaus based on current XXXX Data Breach Settlement agreement. However, information has not been deleted. 

I sent a mailed certified letter 609 and 611 letter on XX/XX/XXXX. However, I have not received a response from Transunion. I was impacted by the XXXX  Data Breach and provided supporting documentation/signed contract for account showing XXXX XXXX on my account.

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 2018-09-24
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had a lease of a XXXX XXXX XXXX for 3 years and had just finished the lease payments on XX/XX/2018. 
On XX/XX/2018 I got a Lease Termination Invoice of {$580.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) referring of a Disposition Fee. 
My complain is that I bought an insurance specific for my lease and I returned the car in perfect condition. Also I had paid already {$37000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2018 also referring of a Disposition Fee. 
After I call XXXX I found out that XXXX had a complain about the tail light lenses that I had put a decal to protect against any damage. Immediately I called XXXX ( the insurance company ) asking why the insurance company didn't take care of my situation. The answer that I had was that the XXXX XXXX was not responsible for any out of market parts. But there is a big misunderstood because I never change the tail light lenses. That is still the original part of the car that I returned in very good condition, in lower mileages and one month before the due date of the lease termination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: MD
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:
My mortgage account with XXXX is not being reported to Experian due to an " internal credit agency policy ''. According to XXXX, the data is accurately reported to Experian. According to Experian, the data is not being accurately sent by XXXX. This same account shows up accurately on all other credit agencies.

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