BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-17
Company: JPMORGAN CHASE & CO.
State: PR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A credit thief went to a car dealer in XXXX, Florida, impersonated me and took out a {$46000.00} XXXX XXXX under my name, financed it with JPMorgan|Chase Bank ( JPMCB Auto ) ( account # XXXX ) and is not making the monthly payments on it. I complained to XXXX  that just went through the motions and reported back that their records were correct. 
I have not set a foot in Florida for the last 10 years. I have never visited XXXX. I have no residence in Florida. Never had. I am a XXXX years old name partner in a law firm in XXXX XXXX, XXXX XXXX, and have not traveled away from the Island since participating in the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, GA, held probably 3-4 years ago. With the COVID pandemic I have not ventured out of my residence and office in XXXX XXXX in the last year. 
Please take corrective action with the XXXX  company for dereliction of their duties and further investigate the car dealers, JPMC Auto -to which I provided with all available information through XXXX- and the thief that perpetrated the fraud on my person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Dear Sir / Madam, I hope you are doing well. 

I have been with CitiBank since the XXXX. I have XXXX checking accounts, XXXX savings account, XXXX preferred money market account and ( until recently ) XXXX credit cards with CitiBank. 

Recently, CitiBank seemed to have an IT system migration. With such a migration, the system automatically changed the address on file and on all these accounts to a foreign account that is no longer valid, without informing me in advance. 
I used that address for them to mail over an emergency credit card years ago while I was travelling and lost my then credit card. 

As a result of this incorrect address, both of my credit cards have been closed, and all accumulated points lost. 
I was on the phone with CitiBank today for hours, and was transferred back and forth across different departments, but no one could solve my problem, and worst of all, nobody seemed to care or be willing to correct the mistake they had made in the first place. 

They claimed that the XXXX credit cards were closed due to the fact that the address on the card were a foreign address. I requested them to fix/delete the incorrect/invalid address ( which was their mistake to begin with as I have mentioned above ). They claimed the address could not be fixed since the cards have been closed. It is like going in this endless loop. In the end, they only offered to let me apply for a new credit card from scratch, but I would lose all my existing points. 

I am writing to you in the hope that I could at least recover the points, and lodge a complaint with their unprofessional conduct. As mentioned several times before, the mistake was not even done by me to begin with. I never requested such address change. It was due to their internal system glitch. 

Thank you very much!

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 2019-01-17
Company: ENOVA INTERNATIONAL, INC.
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out this loan on the internet as a short term loan to get my business going for my busy season. I thought I understood the terms interest rate and the due date. After paying direct debits through my bank account for six months I was surprised to see the loan balance was the same amount. When I called them I asked why the payment came out on different dates. They explained something I still do not understand. My understanding was that the payment was due on the XXXX of each month but that is not the case. 

I told them that was not the way it was presented to me and that they should back date all my payments to the XXXX of the month. I have never missed a payment over 1 year and have only paid {$100.00} off the Principal. 


I feel like this loan was misrepresented to me and I now see there is no way I am able to pay it off in a timely manner.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I CHECKED MY CREDIT FILES AND THE FRAUDULENT INFORMATION I FOUND WAS ( XXXX XXXX CT FLORIDA XXXX XXXX ), ( XXXX XXXX XXXX ) ON THE PUBLIC RECORDS PART OF MY FILE. ALSO XXXX XXXX IS A FRAUDULENT ACCOUNT I GAVE NO ONE CONSENT TO USE MY PERSON INFORMATION TO OPEN THESE ACCOUNT. I ALSO ATTACHED MY POLICE REPORT. VERY IMPORTANT ALSO IN HAVE FRAUDULENT INQUIRIES ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ). ALL FRAUDULENT 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 2022-05-02
Company: U.S. BANCORP
State: CA
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 bank representative started off by promoting their credit card the XXXX XXXX in XXXX as he stated their wonderful product that gave XXXX points for dining and XXXX points for groceries and gas. Those are the things I use most so I was sold on the concept. So I applied and he suggested to use the mobile app and go paperless. I started the mobile app but still requested the paper statements to cross reference if I needed too. I recently needed to cross reference some charges and realized I have not been getting the points I was told in the very beginning. I am actually getting XXXX points for dining and XXXX points for groceries and gas. Its been going on since when I first got accepted even though the mobile app states XXXX getting the XXXX and XXXX. Basically its fraudulent that they advertise XXXX thing but give you another. Bait and switch is what I have and Ive contacted US Bank card member services on XX/XX/XXXX, XX/XX/XXXX. The first customer service person lied about my points. She insisted I am getting the correct points. The second customer service rep XXXX acknowledged the discrepancy and offered me XXXX pts. I agreed to it and also wanted all my points from the very beginning to be added to my account. She told me a supervisor would contact me on Friday, XX/XX/XXXX but nobody called. I then called today XX/XX/XXXX and spoke to XXXX and then XXXX the supervisor from card services at US Bank, Altitude Go which stated they are looking into it. I told her to add up my purchases for dining and they dont add up to XXXX points. She refused and told me rewards department would do it. I never got XXXX points stated by XXXX on XX/XX/XXXX. I did receive a survey of my call experience but XXXX quite dissatisfied. False Advertising/ Bait and Switch Tactics by US Bank

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 2019-07-26
Company: WESTERN UNION COMPANY, THE
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
After using Western Union for years, a {$630.00} transaction was stopped. I was not informed even thought my contact information is on file. I was only made aware of an issue when the recipient went to receive the money. When I called Western Union, I was then informed that the transaction was flagged and I would have to contact a different department, via email, to fix the issue. Additionally I would not be able to use Western Union until resolved. Now one business day later still no response. In the last 2 years, I have sent 144 transactions to the same recipients totaling over {$40000.00}. Transactions ranged from {$1000.00} to {$3000.00} a month. These transactions are for mortgage payments, medical needs and financial support. I rely money transferring service to manage these needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
All of these accounts listed are all fraudulent account showing on my equifax credit report the creditor agreed to remove these fraudulent accounts but equifax fails to remove the accounts which is causing me financial hardship and breaking credit consumer law. 

XXXX XXXXXXXX {$3100.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$38000.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Credit Management Control, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Collection agencies are reporting accounts as if they are new collections, when in fact the original date of delinquency should be 6 or 7 years old. ( medical bills. stemming from a car accident ). 
1 ) XXXX XXXX Opened XX/XX/2019 {$380.00} Original creditor : XXXX XXXX XXXX 2 ) XXXX XXXX XXXX  Opened XX/XX/2019 {$820.00} Original creditor : XXXX XXXX XXXX XXXX 3 ) XXXX XXXX Opened XX/XX/2019 {$4100.00} Original creditor : XXXX XXXX XXXX 4 ) XXXX   Opened XX/XX/2019 {$1100.00} Original creditor : XXXX XXXX XXXX XXXX 5 ) XXXX XXXX  Opened XX/XX/2019 {$820.00} Original creditor : XXXX XXXX XXXX XXXX 6 ) XXXX  XXXX  Reported :XX/XX/2019 {$460.00} 7 ) XXXX XXXX Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX 8 ) XXXX  XXXX XXXX Opened XX/XX/2019 {$1300.00} Original creditor : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Experian Information Solutions Inc.
State: GA
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:
Back in XXXX, XXXX, I became a victim of identity theft, My information was used to enroll in a Online college, XXXX University. My personal information was used without my consent. I did n't give anyone the autorization to use my social security number an birthday to take out money for student loans.. The person, that use my social security number and birthday, used a boguish name also. Also, at the partically time the loans was taking out, i didnt have a high school diploma nor a XXXX. I want want this problem to be disputed an to be dissolved, because, it is affecting my credit score. I am being harrassed by collection agency and my wages has been threaten to be garnish. I cant even attend school to better my life because of the student loans being in default. I have tried to work this matter out with the Dept of education, i have sent in all the documents they asked me to. the denied me, saying i am respsonible to pay the money back. I dont think its fair, that i have to pay money back that i have never seen nor touched.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX, I noticed a report from Professional Debt company stating I owed a debt of {$720.00} for XXXX XXXX XXXX XXXX, I asked for proof of the debt because I am not aware of the charges, they were rude, and told me they did n't have to provide me with any information, I just needed to pay it or they would keep it on my credit report. 
XXXX XXXX, I again contacted Professional Debt company and they stated that they did n't have to give me proof, that it was my debt and I just needed to pay it, I have tried several times to contact representatives from the company who state they do not have to mail me proof, nor do they have to prove the debt, I need to see proof that I owe this debt and was treated very poorly, I was hanged up on several times, and even a person saying that they were a supervisor hung up in my face when I asked for proof of the debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account information is invalid and has not been verified as requested. There is no contract to prove the debt. 4 Legal letters were sent out for this account to be verified, in order to prove the debt valid, and no response has been returned besides my credit reports stating it as " verified '' with no documentation. In addition, it was requested that this account be removed from my credit reports for non verification in violation of state and federal law, and it still remains on my credit reports. They were required under the FCRA to have properly verified the accuracy of the account and they have not done so. There are no documents in their files to prove the account that has been disputed four times belongs to me. There is also no name provided as to who in the company attempted to verify it. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to promptly delete all information which ca n't be verified and have refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Consumer Financial Protection Bureau : Thank you for the opportunity to exercise my rights under the Fair Credit Reporting Act ( Section 609 ) to dispute erroneous items in my credit file. Hence, I am submitting a dispute due to a " fraudulent account '' on in my credit files with XXXX, XXXX, and XXXX.

REASON : The reported account by the Portfolio Recovery collection agency is unverifiable and fraudulent ( # XXXX ) : 1 ). Hence, I am disputing the fraudulent collection account in the amount of {$1300.00} ( {$1300.00} ).

Within thirty ( 30 ) days, please permanently remove the aforementioned Portfolio Recovery Associates collection account from my 3 credit files / reports. I also request you verify the FRAUD ALERTS are in place on my credit files. 

Warmest Regards, XXXX XXXX XXXX, XXXX, XXXX. 





CC : XXXX, XXXX XXXX XXXX XXXX, Portfolio Recovery Associates, LLC., XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: GENERAL BUSINESS RECOVERIES, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This writer has made multiple attempts to try to make a settlement to pay a debt. The collector has used abusive language and has refused to send me a letter in the mail with our agreements saying she will not spend any money on me. Ive even offered to send a stamp in the mail so that I can safely send the money order after getting the agreement in writing, but she continues to decline, only offering me to pay over the phone with an extra processing fee and requiring me to provide my credit card information. Ive gotten yelled at and hung up on. This is impacting my credit negatively despite my attempts on trying to be responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: DISCOVER BANK
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I initiated a transfer from XXXX XXXX  in XXXX XXXX to Discover on XX/XX/XXXX of XXXX . Due to an error on Discover 's part, all of my funds were attempted to be transfered. Discover retries the transfer, but since XXXX XXXX had already initiated the transfer, the account appeared as though it had a negative balance, causing the transfer attemp to fail. On XXXX XXXX, discover initiates a return, however they use an incorrect routing number for this return. The routing number used was for XXXX XXXX in the XXXX XXXX. Can I please get help with this? I need my funds to be transferred to the correct account at the correct bank. My account number for Discover ends in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit Adjusters states that I owe 2 debts for {$300.00} and another amount for a a company called XXXX, which I know nothing about. I have asked to receive validation of debt and want to see the supporting documents and I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have requested a copy of my escrow analysis from my loan servicer and they have not provided me with it.

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 2021-07-21
Company: Experian Information Solutions Inc.
State: WI
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:
Due to unfortunate circumstances, I was forced to file bankruptcy. The account with XXXX XXXX XXXX, is still showing as a write off/charge off on my credit report with a date of XX/XX/XXXX. However, it was included in bankruptcy. To have this account report as a write off when included in a bankruptcy is essentially a violation of the Bankruptcy Injunction and a violation of the FCRA because it is inaccurate and violates my consumer rights. 
I've been trying since XX/XX/XXXX to resolve this with the company and even though they've been sent proof of bankruptcy and proof of the discharge of debtor, they refuse to remove the account or fix the error in reporting.

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 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-05-02
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I was arrested for XXXX health and my income tax check came up missing from my bank and money has been spent out of my savings for someone else 's benefit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am on the PSLF program. Each year I file my XXXX form so Fedloan Servicing is aware of the payments I made the prior year. 

Currently, I have made 33 payments towards PSLF on my loans. This has been certified through their XXXX process. 

My XX/XX/XXXX bill reflects these credited payments however on my XX/XX/XXXX, and XX/XX/XXXX bills, the credited payments dropped on one of the loans from 33 credited payments to 30 credited payments. 

I called Fedloan Servicing about the matter and received some response that they will " look '' into it and that it may be a system glitch. However, in dealing with this company, I know that I will probably never receive anything resolving the matter and if I do, the answer will be incomplete, wrong, and/or confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries on my credit report that was unauthorized and I have called and asked questions and made complaints still no change.

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