BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-29
Company: Experian Information Solutions Inc.
State: AZ
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:
We owe XXXX XXXX XXXX, and since XX/XX/XXXX I have tried to fix the credit report with Experian, it has being three different times that I needed to start a review with them, it took more than a month each time. 
They were many errors and every time, I had to call the companies involved to try to solve it due to the lack of cooperation from Experian. 

They have some employees that want to help but some another ones that they treat you like if you owe them money or if you are doing something wrong, once they told me that we ( the customers ) get hung on the number, well, the number is the score that represents a company, and I needed to improve it, but they would not help. They just wanted us to buy the credit monitoring from them, and then they could help. 

We had a lien from the IRS that is resolved and paid for since last year ( 2016 ), and Experian does not want to delete it out of my credit report, even though there was another lien for a smaller amount, and that one was removed.
The lien affects my company credit score, and the last answer from them it was that it might take seven years to be removed. 
I would like your help in my dealings with Experian, when I call directly they just give me the round around and say that is under investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Divorce proceedings started XXXX finalized XXXX ex spouse was ordered to refinance via servicer modification was done in XXXX solely with ex spouse. I never signed anything beyond XXXX. I wrote directly to servicer and servicer returned a copy of my signature from XXXX and blank for XXXX via ex spouse modification however none of this was known to me at that time. Instead of servicer stating reason for communication was a dispute, they listed reason for communication was a name change? I also attempted several times to dispute information on credit reports and including returned to court in XXXX due to defendants noncompliance. Judge stated if issued remained unresolved, return so it can be enforced not excluding property being sold. Dates and signatures aren't adding up. I never signed anything post XXXX regarding loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: JPMORGAN CHASE & CO.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened my Chase Amazon Rewards Visa card on XX/XX/XXXX and I became an XXXX XXXX member on XX/XX/XXXX. I used my Chase Amazon Rewards Visa card to purchase my XXXX membership. Per the terms of my credit card, I should have been receiving 5 % back for having an XXXX XXXX account paired with my Amazon Rewards credit card. 

Shortly after my opening my card I realized it did not appear that I was getting 5 % back but instead receiving only 3 % back. I called chase to ask about this and was told that I was in fact receiving 5 % back because I now had XXXX XXXX attached to the card. Over the next few years I have called XXXX and Chase regarding this issue as it appeared time after time that I was still only receiving 3 % back despite their claims that I would be getting 5 %. Both companies, XXXX and Chase, have placed blame on the other but I was still not receiving the correct rewards per the terms of my credit card which I have found to be Chases fault. 

Most recently, when calling Chase, I was told by a customer service representative on XX/XX/XXXX that they were unsure why I was not receiving the correct rewards percentage as they could see in the notes on my account that my XXXX XXXX membership was purchased annually with that card and that my XXXX membership has been reviewed by Chase. The person from chase I spoke with let me know that I should have been receiving the 5 % back as it was reviewed annually by the credit card company and she was not sure how that had been glossed over but she would fix the issue. 

Chase then sent me a letter dated XX/XX/XXXX letting me know that it was XXXX fault for not informing them I had XXXX, despite myself calling to tell them multiple times as well as my credit card being charged for XXXX annually since XXXX which was reviewed per a chase customer service representative. 

Chase has now closed the case insisting that they owe me nothing and have done nothing wrong and today when I called to once again ask for help I was hung up on by XXXX the customer service manager I spoke with. 

I would like the full rewards points I have earned for the last 6 years. I have earned these rewards and legally, per my credit card terms, they are owed to me. If this is not resolved in a more appropriate manner than blaming another company for Chase dropping the ball then my next step will be to seek legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, XXXX I received a bill for XXXX charges made on Citibank Credit Card XXXX in the amount of XXXX and XXXX made NOT BY ME at XXXX in Wisconsin. I have never been to Wisconsin. I did not make these charges. The account had a XXXX balance, I had cut up the card and I had not used it since XXXX. I contacted Citibank Credit Card then, in XXXX XXXX, about the fraudulent charges and they said they would resolve the problem. I continue to receive bills for these XXXX charges and now monthly late fees. I continue to call Citibank to no avail. I just spoke to another operator in XXXX who was no help. I have talked to operators in XXXX, XXXX, Kentucky, and other cities in the XXXX speaking world, told them about the fraudulent charges and the late fees and nobody has done anything about it. I continue to receive phone calls, text messages, and bills on these charges and the late fees which accrue upon 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 explanation
Consumer complaint received 2022-03-04
Company: Siggi LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
In the Matter of CFPB v. Omni Financial of Nevada XXXX Inc., also doing business as Omni Financial and Omni Military Loans File No. XXXX Dear CFPB, I am sending you this letter/email to see if I qualified for the lawsuit that was filed against Omni Financial. I have gotten multiple loans from them between the years of XXXX and XXXX. My customer number for them is XXXX. If I was eligible for the refund the address is incorrect. I was XXXX and had to change addresses. My old address was XXXX XXXX XXXX XXXX XXXX nc XXXX. My new address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX. If the check was sent to the previous address I can not obtain the check. My name is XXXX XXXX XXXX. XXXX In the United States XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hi, I wired some funds to my family on the XX/XX/21 and it was cancelled without notice or call on XX/XX/21. Re-requested the wire again and it is pass the 3 business days to transmit. They are purposely holding the funds to retain depository balance and using fraud as an excuse. CSR keeps transferring me over to a manager but cycling calls to another rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Prosper Marketplace, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company continues to make multiple phone calls within a day. I've reported this to them on multiple occasions and asked that it cease. They respond with an apology and then they tell me how many times they " see '' that they've called, yet it doesn't stop. Most recently on the following dates and times this year : XX/XX/XXXX, XXXX XXXX   ; XXXX XXXX, and XXXX XXXX On XX/XX/XXXX, XXXX XXXX, and XXXX XXXX On XX/XX/XXXX, XXXX XXXX and XXXX XXXX On XX/XX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX c.s.t. Generally, the first one/two calls they won't say anything and they disconnect the call and by the second/third call a collector is on the line and this goes on monthly. I've advised them that this is harrassment and they need to stop. I owe them approximately $ 3k inclusive of past due and late fees. I was paying on time until my car broke down twice in one week and other circumstances beyond my control causing a downward spiral pushing me further behind. I immediately contacted them asking for a payment program on multiple occasions to help me stay on track and they continuously refused assistance. They told me to pay what I could, which I was doing but at times a week after paying, here come the calls once again, and with the late fees and interest it became too much for me to handle. I continued to pay the minimum monthly payment which wasn't doing anything at all so they advised me on what they had to do as collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: CARD Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Hello my name is XXXX XXXX I had a prepaid card with the card. Com I request a refund balance on my now close card of {$30.00} which I close due to the request I asked them to mail me a new card to my new mailing address they told me I need to provide valid identification to get my balance I told them my license is expired. They don't want to send the balance to my new mail address but they send a bunch of paper to file a claim to my mailing address all I want is my money be sent my mailing address they can kept their card I am XXXX I do not afford a license for a XXXX dollars to get XXXX dollars back my license is expired I have already explain this to them it was XXXX dollars that was on my card due

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: IL
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:
MY NAME IS XXXX XXXX & I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE THE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT & REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: SYNCHRONY FINANCIAL
State: VA
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 entered a debt consolidation program about 2 years ago with XXXX XXXX XXXX. I included my Synchrony Bank/Amazon card into the program. I completed the program and paid all of my creditors in full. All three continue to report incorrect info to am three credit reporting agencies. XXXX, specifically is reporting the incorrect account number. On all three report the account continues to report as s charge off, even after several dispute attempts and providing proof to the credit reporting agencies that they have been paid in full. Not only ate they reporting an incorrect status, on XXXX they are reporting an incorrect write off amount. There are several errors and inconsistencies among a three reports. I am filing a complaint so that I can find resolve as to why they continue to report incorrect information after being paid in full. Even after several disputes. They are hindering me from trying to improve my credit score and situation. which is why I entered s debt relief program to begin with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-13
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a credit change alert on my credit file. I called transunion and the representative informed me of a collection account that was opened in XX/XX/2017. I asked for the name of the collection agency, which was given as General Revenue Corp. I never did business with this company nor have they contacted me nor sent any mail indicating that I owe any balances. This is FRAUD and General Revenue Corp needs to remove this fraudulent account from my credit report immediately. My credit report has been clean and all of a sudden a collection account appears fraudulently.

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 2017-08-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i never owed this debt and there claiming i owed it they lied in your response i have a letter from XXXX that says otherwise they need to be investigated for illegal collections tactics this was there previous response XXXX XXXX XXXX ( XXXX XXXX )  is in receipt of XXXX XXXX XXXX CFPB Complaint Case # XXXX. As stated in our Consumer Relations Policy, in all that we do, we strive to treat consumers with respect and integrity. We are committed to engaging in dialogue that is respectful and constructive, creating solutions for our consumers that resolves their debt, and ensuring that those who work on our behalf adhere to these same standards. Our investigation of this matter indicates that XXXX XXXX XXXXXXXX XXXX opened a XXXX XXXX ( formerly XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Credit Card account ending in XXXX on XXXX XXXX, XXXX, for which XXXX XXXX is the personal guarantor. From XXXX XXXX, XXXX until on or about XXXX XXXX, XXXX merchandise including, but not limited to cat food, cat litter, cheese, deodorant, and approximately {$8700.00} in gift cards was charged to the account without any payments thereafter. The account was charged-off on XX/XX/XXXX and subsequently purchased by XXXX on XXXX XXXX, XXXX. Additionally, and as part of our investigation XXXX is unable to confirm XXXX XXXX XXXX XXXX has filed bankruptcy as stated in the complaint. However, since a copy of the credit application, or similar original account-level documentation, confirming XXXX XXXX is a personal guarantee is not readily accessible at the time of this response, XXXX shall cease future collection efforts from XXXX XXXX until said documentation is received.

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 2017-08-27
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Barclays Bank Delaware XXXX XXXX All these were the dates that my credit was ran at these stores. I got in contact with all of them because I was a victim of identity theft and explained the situation to them and nothing was done

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 2022-03-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought a ticket with a no change fee leg that would occur on XX/XX/2022. The airline company violated this contract ( See Ticket Conditions in attached pdf with XXXX in filename ) and charged a change fee. I have also submitted a DoT complaint ( Case # XXXX ) in reference to this as well but was hoping to more quickly end this through a credit card dispute. I was able to make a dispute through chase but was asked to provide documentation by a letter through their system in the letter ( which I am attaching ( FebChase.pdf ) ). The key phrase being " : Here 's how you can send the requested information '' " Send us a secure message at Chase.com '' So I proceeded to send documentation through the secure message system as I was informed through Chase 's letter that I would be able to. 


I further sent more documentation in mid XXXX along with a comment that requested to know if the dispute department had received said documentation and a comment that the dispute had been misclassified as well. In the response ( which I will attach ( Secure Messages - chase.com_MidFeb.pdf ) ) I received a the following comment that specifically told me not to follow up further as it would cause a delay. 


" Dear Valued Customer, Thank you for asking about your credit card account. We will review it carefully and reach out as soon as we can. Due to an increase in volume, you can expect a delayed response of a week or more. Please don't resend a request because it could further delay our response. " So I didnt send more information as the notice said I would only further delay a response. So today XX/XX/XXXX I received a letter that my dispute was completed due to my never having sent documentation which I did ( I am attaching the secure messages confirming the sent documents along with the documents themselves ). 


If Secure Messages isnt a valid way to send documentation then the official letters from Chase should not list them as a valid way because otherwise is basically telling consumers to put important documents for their dispute in basically a trash bin. 

If possible, also please do not send responses in emails that look like phishing emails with attachments and use your Secure Messages system to send " Secure Messages ''?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: MA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I had received a text message for this loan service I have not applied for. I got a verification message from this company and I have a picture of the message as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pro-collect XXXX XXXX, 2012 XXXX this apartment was being rented by my mother and the court gave my mother 30 days to move because she had a XXXX and she was moving in with me to another location, that 's last company to lease granted my mothers move. I signed papers and low behold new company come in and said I was responsible for my mother debt. I have tried pleading and reasoning with these people and nothing, I call they hang up or cuss me out. I do n't know what else to do to get this removed off my credit.

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 2017-04-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
In XX/XX/2017, I applied for and was approved for a Chase XXXX Rapid Rewards Visa card. Chase offered me a promotional bonus of XXXX XXXX Rapid Reward points upon making {$2000.00} in purchases within XXXX months of receiving the card. I met the spending requirements in early XX/XX/2017, and was told by Chase that the XXXX points would post by the next billing statement date of XX/XX/2017. However, I did NOT receive the points as promised. Upon contacting Chase, they informed me that they had mistakenly attached my husbands XXXX Rapids Rewards number to my account and that was the reason why I did not receive my promised bonus points. I gave them MY RR number, asked them to correct their mistake and to credit me the XXXX bonus points as promised. They told me that they would submit my request to their marketing department for review but that they could not tell me when I would or even if I would receive the XXXX points. They said that the review could take several weeks or even months!! I applied for this Chase with the intention of using the XXXX bonus points towards planned flights this summer. The longer Chase makes me wait, the less likely I am to find available flights! I completed the spending requirements -- now Chase needs to abide by their offer and credit me the XXXX RR points that I have earned ASAP. Chase is notorious for making mistakes and then taking forever to correct them. They need to make this right -- NOW!!

Company response to consumer: Closed with non-monetary relief