BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-22
Company: CHECK INTO CASH INC.
State: KS
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I had my identity stolen in 2013 and XXXX of the accounts that was opened under my social security number was a cash into check payday loan. 

I received a phone call stating that a felony check case was going to be forwarded to my XXXX and a warrant will be filed for my arrest later that day, unless I paid the debt. 

I asked if I could send them police reports, affidavits and all of my identity theft information to resolve the issue and was told that I would need to turn myself in to be arrested, hire an attorney and take my case in front of the judge who would probably find me guilty any way. 

I was told that I could pay the bill of {$930.00} ( which does n't warrant a felony, by the way ) and then take whoever stole my identity to civil court and get my money back. 

I was told I could not send any information to them at this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-12
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: Investigation took more than 30 days

Complaint:
This complaint is a response to XXXX. Transunion should remove XXXX XXXX XXXX XXXX from my credit report. 
According to the Fair credit reporting act, the investigation should take only 30 days or 45 days in some special cases. Transunion has been investigating this issue for over 120 days with no report. It is illegal for them to be requesting additional 60 days. I demand they provide documents for the investigation done for the past 120 days. 

They should not be able to continue to jeopardize my family 's live - and cause hardship by including this erroneous information in my report. 

I have requested that Transunion remove the XXXX XXXX XXXX XXXX that they have on my credit report since XX/XX/2022. Since then I have sent a dispute letter every month and received no response from them. 
Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate.

Transunion is violating my consumer right by not providing any documented evidence that they did the investigation.

Under the Fair Credit Reporting Act,15 U.S.C . 1681g I have the right to demand that Transunion disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that you are reporting in my credit report. Send me copies of the documents that you have in your files that were used to verify them. Acting for additional 60 days after over 120 days already is unfair and illegal.

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 2022-11-12
Company: GOLDMAN SACHS BANK USA
State: VA
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/22, I reported unauthorized transactions with Apples Goldman Sachs card. There was nearly {$3000.00} in purchases applied to my card which occurred inside of an app from XXXX. It has been more than 2 months and now I am receiving messages that my dispute was not in my favor and the charges are reappearing on my card. I had just paid off my card prior to these charges being made and the company is not willing to see my view on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Comerica
State: NM
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I am not able to get into my online account for Direct Express. When I call the number on the back of my card I am asked to enter my PIN number. I don't enter my PIN number i am hung up on. I can only hear XXXX transactions on the phone. I have to wait on hold for XXXX to XXXX mins to speak with someone. My card does not work at the gas pump. I get charged for purchases I did not receive. I am not refunded and I can't get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Radius Global Solutions LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Signed up for a good deal for domain hosting services. XXXX XXXX XXXX  XXXX, on XX/XX/XXXX Somehow got signed up for " XXXX XXXX XXXX " for {$10.00}, and was billed for it. Don't want it, never wanted it, canceled it. 

Got billed again {$10.00} XX/XX/XXXX And again XX/XX/XXXX. Canceled it. 

They tried to bill again XX/XX/XXXX and XX/XX/XXXX but these two did not go through as I stopped them for fraud. They sent this {$20.00} bill to a collection bureau, however the debt was {$140.00} by this time. I contacted XXXX  on XX/XX/XXXX, they said they could do nothing to help other than cancel the acct, I had no choice but to pay the collection agency {$20.00}. Also, I did not speak to the " right department ''. There are many, many " departments ''. Retention, Cancellation, Fraud, Sales .... and no matter which one I speak to, it's the wrong one, I need to be transferred. Of course, if I speak to the wrong one, It's on me for not speaking to the " right '' dept. 

This is the collection agent for the fraudsters : Central Credit Services LLC ( Radius ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I spoke to them today, they claim I owe over {$100.00} ( how?! ) and There's nothing they can do, it's up to XXXX to recall the debt - in other words, exactly what XXXX told me only in reverse, so I need to call XXXX  back, " the right department '' - and of course XXXX says to call the collection agent. Round and round. 

I don't owe anybody anything, and they owe me {$20.00} for the two times they billed me for a service I canceled, and did not use.

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 2021-07-27
Company: EQUIFAX, INC.
State: TX
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:
No one is handling my dispute request ... I need for Experian to respond to my requests today. I want these negative items deleted now. 

XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX- XXXX UNVERIFIED ACCOUNT XXXX  XXXX NOT MY ACCOUNT XXXX  XXXX UNVERIFIED ACCOUNT XXXX  XXXX-NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1969

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
hhgregg / Synchrony bank / GE capital involved in predatory lending when they sold me home appliances. They labeled their lending as interest free. They never send me any paper statements showing that they were charging me interest. Lender asked me to provide my bank account number so they can setup automatic payments, and promised me that they will not charge any interest when I gave them my checking account number. 
they have charged me XXXX in interest over last 3 years and I sill have half the outstanding balance. Lender used tricks in me thinking that I was not paying any interest by not sending any paper statements. 
I am requesting full refund of all the interest I have paid in this 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 monetary relief
Consumer complaint received 2022-11-12
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a XXXX credit card with comenity bank for over XXXX  years. I misplaced the card during a move to a new home that was then renovated for a year during Covid. I did not use the card during that time frame. I logged into the account on XX/XX/XXXX and reviewed my available balance which was {$1400.00} with no issues Account ending in XXXX. I attempted to request a new card through the online secure message system and I was informed my account was closed on XX/XX/XXXX and told to reapply for another. Not only that the day after on XX/XX/XXXX I attempted to login to my account only to discover an error message detailing that the login information I input was invalid as if the account no longer existed. I contacted customer service via phone XXXX  times and the automated system hung up on me each time after verifying the last four digits of my social. I suspect foul play. 

This is outrageous and unethical for a number of reasons. I regularly used the card and paid for my balance in full. I have never been late, or missed a payment, I generally kept a {$0.00} balance on the card after using it. I provided good business to comenity bank in good faith for years, for comenity to engage in a business practice that would negatively impact my ability to qualify for new credit and retain credit at reasonable rates is bad business. All of the good previous history I have on this credit card has been negated! I now also have no access to previous records. And reapplying would be another hard inquiry on my credit which would consequently negatively impact my XXXX XXXX. I would like to speak with someone about reopening my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reported XXXX XXXX on XXXX XXXX after I reached out several times to the company explain to him this is not my debt identity theft whom ever open a fruad account bad deceptive business practices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had an open credit card through Amazon cards. I received a letter one day that Synchrony Bank closed the account not because of late payments or defaults, but because they had done a random check of my credit and discovered that there were late payments for student loans ( which were my niece 's and some had forged signatures on ) and opted to close my credit card with Amazon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: National Management Recovery Corp. (NMRC)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I retrained a payday loan from XXXX XXXX XXXX. I ended up losing my job and was unable to find work. I contacted XXXX XXXX XXXX and notified them of me not having a job. They told me they would notate the account and it will hold up for 30 days. After the 30 days I was still unable to find work. On XXXX/XXXX/16 I received a call from XXXX XXXX from XXXX XXXX XXXX or ( XXXX ) law firm on behalf of Receivable Management Services. XXXX XXXX was really rude he told me if I did not pay today that I will be served papers for Fraud & my debit will go on my credit. I contacted XXXX XXXX XXXX to ask them if I can get a payment plan and they directed me to Receivable Management Services and they so called transfered me to the legal department. I continued to ask XXXX XXXX if he was in the same office with RMS and he refused to answer the question. I then asked where he was located and he told me florida and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am requesting to file a formal complaint conserning my mortgage with Chase. 
In XX/XX/XXXX I filed a Chapter XXXX, payments started in XX/XX/XXXX the bankruptcy was approved in XX/XX/XXXX. Part of the chapter XXXX was that my mortgage would be paid In full and that chase would release the lean to my residence. 
XXXX XXXX all payments were completed for the chapter XXXX and discharged by the court. 
Since that time I have recieved several documents from Chase stating that I still owe a significant amount of money and the balance was different in each statement. 
While examining the document sent to me dated XXXX/XXXX/XXXX I noticed some strange calculations. 
Starting Date XXXX/XXXX/XXXX : Corporate advance Fee paid. {$4400.00} recieved. 
Unapplied funds {$5400.00} XXXX/XXXX/XXXX XXXX {$990.00} recieved Also XXXX/XXXX/XXXX Corporate advance fee {$480.00}. 
XXXX/XXXX/XXXX payment {$340.00} ( principal ) {$66.00} ( interest ) {$80.00} ( escrow ) XXXX/XXXX/XXXX unapplied cash {$4400.00} XXXX/XXXX/XXXX payment {$350.00} ( principal ) {$64.00} ( interest ) {$80.00} ( escrow ) XXXX/XXXX/XXXX payment {$350.00} ( principal ) {$68.00} ( interest XXXX {$80.00} ( escrow ) I had also noticed an escrow overage also. 
As I was concerned about the a, pint of money that had been paid to a corporate advance fee, I called the number provided by Chase. I requested a detailed breakdown of the funds in question. 
On XXXX/XXXX/XXXX I recieved from chase a detailed breakdown of corporate advance fee. 
The breakdown was as follows : XXXX/XXXX/XXXX & XXXX cost of having a real estate broker determine value of property. 
XXXX/XXXX/XXXX {$10.00} cost of notice of sale that shows time of sale of the property. 
XXXX/XXXX/XXXX {$360.00} cost recovering a title guarantee at start of foreclosure. 
XXXX/XXXX/XXXX & XXXX cost of posting the notice of sale. 
XXXX/XXXX/XXXX {$320.00} cost of publishing the foreclosure in local paper. 
XXXX/XXXX/XXXX {$340.00} mailing cost incurred during the process. 
XXXX/XXXX/XXXX {$600.00} cost of providing by the trustee handeling the foreclosure. 
I was not aware of any of these issues and was already paying a chapter XXXX. None of the actions taken were legal. 
I also called Chase in refrence to the several notifications about delinquent payments and balances due. The chapter XXXX trustee had made all payments to chase per the court orders. 
When I called Chase I was told that I was 17 months behind delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: NCB Management Services Inc.
State: IL
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:
NCB management has been report wrongful information over several months to XXXX if after being deleted from both XXXX and XXXX credit report. This is ground for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Experian Information Solutions Inc.
State: SC
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:
inquires not authorized by me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Hi I gave my credit card to a merchant as a guarantee that I will pay. The merchant was supposed to call me to discuss the price and I would let him know how I planned on paying. We discussed that it would not cost more than {$500.00}. A few days later I see a {$500.00} charge on my card. I do not know if any services were preformed. I called the merchant up, and ask " what 's this? '' He replied, " you said I can charge your card ''. I said " that is not true ''. I requested him to send my lawyer a copy of the bill. He never did. I then contacted Chase to start a dispute. I called them on XXXX/XXXX/16. They never responded to me. I got a letter requesting more information from them, but they told me on the phone that I would receive the letter and I should ignore it. On XXXX/XXXX/16 ( I think ) I received a voice message from someone claiming to work in Chase with a request to call them back. I called the number on the back of the card and asked who is trying to reach me. The response I got was " that is not a chase number, nobody want to talk to you ''. I called then back today XXXX XXXX/XXXX/16 XXXX to check on my dispute, and they said basically I could jump and they are not going to help me, and the dispute is closed. 
Please punish them for breaking the law, as far as I understand, no merchant can charge my card without my permission, and they need to provide me with a receipt. My hunch is the merchant does not want to give me a receipt is either the work was never done, or he is way overcharging me. 
Thanks for your help, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I drive 40 minutes, 1 way, to the bank every week I get a nasty letter. XXXX. I get XXXX direct deposit and they for 5 months denied me online access or any access to account although my XXXX is through social security number. Twice I went in and XXXX at Wells Fargo says it's resolved. XXXX. I get a letter for safe deposit box although social security is corrected. XXXX. I went in but couldn't be seen. XXXX. I made appt and have card. I went in. Wells Fargo doesn't have appt. I wait. XXXX, teller mgr is not working. Only 1 teller. XXXX illegals come in to open account. XXXX tells them all they need is social security number BUT SHE KEEPS HARASSING ME, THREATENING TO CLOSE ACCOUNT, CLOSE BOX, REFUSE APPT, HAVE ME WAIT EACH WEEK. IM BEING DISCRIMINATED AGAINST. Now XXXX said it's my address-My address is through Attorney General.

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 2022-11-12
Company: PNC Bank N.A.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XXXXi applied for an auto loan from XXXX XXXX XXXX XXXX XXXX  in XXXX.I was told I was denied by pnc bank.i contacted pnc bank to know reasons of denial and was told factors on my credit.i explained to pnc that these are factors but are not determining factors.according to law cfr 12 part 1002 b no applicant can be discriminated against for any aspect of a credit transaction.pnc bank also are in violation of usc 15 1611 1-3 of willfully and knowing violation being under the truth in lending act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: Account Information Management Corporation
State: WY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid AIM Corp in XXXX, and disputed its status with the credit reporting bureaus, as it was paid in full and showing on my credit report. AIM Corp reported to the bureau that the information needed to stand as it was showing, and that I would need to contact them ( AIM ) directly. I called them on Wednesday, XXXX XXXX, and was told that even though my account was paid in full and closed, they would not report that to the credit bureau until THEY were ready to. 

My complaint, therefore, is that AIM Corp disclosed false information to the credit bureaus, claiming that I still owed a debt that I did not owe, and admitted as much to me, causing me financial damage, as I am in the process of obtaining financing for a home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: Solutions To Portfolios, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX XXXX from XXXX XXXX calls approximately 10-20 times per week from multiple numbers. He never leaves a message. The only way I know his name is because he called and demanded to speak to my employer and accidentally called my boss while doing so. I have called and asked him to cease all verbal communication and contact via written correspondence only but he told me that he is going to " file paperwork '' and have me arrested if I do n't pay a loan which he discloses nothing about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I contacted seedfi on XXXX XX/XX/2022 about my {$240.00} that was supposed to be refunded to my XXXX XXXX XXXX  account as they closed out XXXX by account on XX/XX/2022 They stated it would take XXXX to XXXX business days for me to get my money back. Now as of today XX/XX/1222 they're saying that they're keeping my {$240.00} that I had paid into the account as the account is XXXX XXXX for you to save money and it locks it in until you reach a certain amount of money then you're able to get your money back but they report all this as a loan on your credit So you can build credit history but really the company never really gives you any money that you can go and spend your anything like that it's all fake. So now they're saying they're keeping my money because my original agreement with them was that they would give me a {$1000.00} loan which I would have to pay back But really they never gave me any money they goes into an account and then it was locked until I reached that certain amount now that they're closing out my account they're refusing to give me back my {$240.00} that I paid in to them they never gave me the other {$760.00} they're saying that I owe them. This is crazy like they're basically just robbing me for my money and closing out my account and not allowing me to pay the other {$760.00} in order to get back my {$240.00} that I gave them I don't even think this service should be legal.

Company response to consumer: Closed with explanation