BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Met this person on XXXX. Got lured into this website site ( XXXX XXXX XXXX ) by this person from XXXX ( XXXX XXXX XXXX XXXX ). I Deposited money with international money transfers apps ( XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX ) including bank wire transfer and XXXX XXXX XXXX. Once I started traded with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then XXXX can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account : XXXXXXXX XXXX XXXX. Please help me, what should I do to get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Regional Management Corporation
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Regional Finance s ent a live check to my address in  XX/XX/XXXX . My son and I share the same name and he was living there at the time. My son signed and deposited the check into his bank account. I began receiving calls in  XX/XX/XXXX  and the account was reported on my credit report. I spoke with  XXXX   XXXX  on the phone as well as in person in  XX/XX/XXXX  and she was fully aware of the mix up. She had a copy of the cashed check with his information on it and recalled talking to him at some point. My son had gone out of town and was not available at the time so she asked if we could get a copy of his ID and social security card and they could transfer it over in his name. She suggested I make payments to avoid collection efforts and negative marks on my credit. I declined and asked they remove it from my credit. There were several conversations with her in which she told me I would need to have my son come in or call them before anything could be done. I mailed them a letter on  XX/XX/XXXX  stating in writing that I am not the person in question, have never applied for, authorized or done business with them and it has not been substantiated in any way. I asked them to cease the collection efforts and remove said loan from my credit report and any further correspondence would be considered harassment. I was served a summons on  XX/XX/XXXX  to appear in court. I spoke with the attorney listed on the summons and was told I needed to show up in court or have my son swing by his office and he could draw loan papers up in his name and have his client transfer loan over. We went to court on  XX/XX/XXXX  and I denied the claim. They had to set another court date for  XX/XX/XXXX . This situation has cost me time away from work, has negatively affected  my credit score I  worked years to increase and caused me undue   XXXX   that is effecting my health. I see today they have run a hard inquiry on my credit on  XX/XX/XXXX  that was not authorized as well. I am contacting an attorney today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-08
Company: PNC Bank N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt. I have been disputing a credit card account that is reporting on all  XXXX  credit bureaus from this company before  XX/XX/XXXX . The credit bureaus has been reporting that PNC has been verifying the account belongs to me. I was told in  XX/XX/XXXX    that my file was merged with someone else when I went to apply for an apartment and was denied due to having a petty theft charge in Florida. I have never lived in Florida nor have ever been arrested. PNC also stated that they were going to send me a fraud affidavit 2 times and as of today I have never received. I have enclosed the first page of my credit report dated  XX/XX/XXXX  from   XXXX   in which they accidently sent me someone else credit report with my information merged with hers. They insisted that there is no way that they did and I stated to them what was on the other person report. They made a huge mistake in which I am still suffering. Due to our files being merged I am now receiving collection from her debts. I do n't know what else to do about this. Everyday I am afraid of more negative items that are not mines being added on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX ACCT NO XXXX IS WRONGFULLY APPEARING ON MY EQUIFAX CREDIT REPORT.DISPLAYING AN ACCOUNT IS CONSTRUED BY THE FAIR CREDIT REPORTING ACT AS " ATTEMPTING TO COLLECT A DEBT ''. 
THE DEBT IS UNENFORCEABLE AND VIOLATES THE BUSINESS AND PROFESSIONS CODE ACCORDING TO THE SUPREME COURT OF CALIFORNIA. 
A PERMANENT INJUNCTION WAS VIOLATED IN MY SPECIFIC CASE AS XXXX DESCRIBED THEIR WELCOME CALL PROCEDURE THAT THEY SAY TOOK PLACE ONE MONTH AFTER LOAN ORIGINATION IN THEIR CFPB RESPONSE.THE PERMANENT INJUNCTION CALLS FOR THE ELEMENTS OF THE WELCOME CALL TO OCCUR WITHIN 72 HOURS OF LOAN FUNDING. 
I AM NO LONGER RESPONSIBLE FOR THIS LOAN AS A MATTER OF LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: United PanAm Financial Corp.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Hello, on XX/XX/22 I tried to pay off my auto loan. After speaking with XXXX different ladies I was told the only way to pay off the loan early was through XXXX XXXX, or mailed Cashiers check. I do not feel secure with either of these options. I complained by email to their customer care address and was responded to on XXXX that XXXX XXXX XXXX XXXX XXXX or XXXX check were my only options. I again do not feel secure using any of those XXXX options. 
I have begged to let me do a check by phone, or secure payment through the internet, but they refuse.They take payment monthly from my account but refuse to let me pay it off that way. I just want to pay off this exorbitant interest rate loan. 
The company 's name is United Auto Credit and they are based in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/XXXX i made online purchase from clearance on 2 rumpers ( casual dresses ) on clearance for XXXX clearance discount. I was charged regular price. Initially i was hoing to return to store. But no paperwork came with items only description on bag it was packaged in so I was waiting for my credit card statement so as it neared the 30 day time i called and advised j c penny of the error and i was told it was too late and nothing can be done about it. I was charges 3 x the advertised price for off season summer wear. I also purchased 3 bras on clearance which charged correctly. Acct. XXXX. XXXX XXXX

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 2021-05-18
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Entity : Credit Karma/XX/XX/XXXXDetails : - Opened Credit Karma checking account on XXXX/XXXX/21 through XXXX. 
- Reason the account was opened because XXXX offered {$50.00} if my tax returns were deposited in this accounts and needed to set up direct deposit by XX/XX//21. 
- Confirmed this offer again over email. I have a record of them repeating the offer. 
- No money deposited on promised date ( XXXX/XXXX/21 ) and support denies the offer ever existed. 
- Complaint regarding deceptive practices and false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
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: Investigation took more than 30 days

Complaint:
I have mailed the 3 credit bureaus requesting validation of debt being reported on my credit profile over 30 days ago and until now I have still yet to receive a mail stating the status of my request or an update. I have mailed a follow-up letter requesting such information and haven't received a response

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 2022-09-15
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I submitted this complaint early today and it didnt take. Attached is a letter from XXXX XXXX. This letter proves that the 6 accounts that were dumped into my credit file last month were done in error. This letter proves there was no validation done with the original creditor or those accounts would not have been validated. The ATTACHED letter clearly shows the XXXX accounts I am referring.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: NC
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 tried several time to inform the credit companies ( Experian, XXXX, & XXXX ) about unauthorized hard inquiries ( 1 ) XXXX XXXX ( XX/XX/2022 ) ( 2 ) XXXX XXXX ( 3 ) XXXX  XXXX. ( 4 ) XXXX XXXX ( XX/XX/2022 ). ( 5 ) XXXX  XXXX XXXX XXXX XXXX ( 6 ) XXXX XXXX XXXX ( 7 ) XXXX ( 8 ) XXXX XXXX XXXX ( 9 ). XXXX XXXX XXXX  ( 10 ) XXXXXXXX XXXX

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 2018-05-31
Company: Union Home Mortgage Corp
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern Union home Mortgage has checked my credit score on XX/XX/XXXX without my authorization, and I've received hard hits on my credit. 
when I called their office their manager said my wife gave them my ssn to pull up my credit report. I said that I didn't give any authorization to them to check my score and those inquiries should be removed asap. 

XXXX the compliance manager said in the whole US spouses can apply for loan without other spouse consent and they're not gon na remove thos hard hits. he explanied back in XX/XX/XXXX also they pulled my credit score and I want they remove those inquiries from my crdit report as soon as possible since they have checked my credit score without my authorization. they have also caused argue between me and my wife. 

Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In th e past two months I have had several Bank accounts closed because of suspected fraud. The banks in question ( Chase,   XXXX   XXXX   ) clo sed my accounts abruptly and would not provide any additional information except for that my accounts were closed to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There have been several accounts that have been opened in my name fraudulently. The first account is as follows :  XXXX . The account number is  XXXX . The date the account was opened in  XX/XX/XXXX  in the amount of {$1200.00}. The next account is a   XXXX   account, which was opened in  XX/XX/XXXX  in the amount of {$300.00}. The account number is  XXXX . The last account that was fraudulently opened is  XXXX  account opened in  XX/XX/XXXX  in the amount of {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have banked with fifth third for a long time now and they only allow two reversal overdraft fees in a year. When Covid hit my husband lost his job and his direct deposits stopped due to income drop. We had to totally re structure how we were going to pay for things on auto draft and have tried to cut back as much as possible on expenses. Since covid I have probably paid {$2000.00} if not more in fees. I have had to use my overdraft protection more than needed due to paying bills while stretching to pay day. Recently this year I belive they up all their fees. They used to charge {$5.00} extra if your account is overdrawn more than 10 business days. Now it is {$25.00} and five business days?? How does that not seem insane.

Also I have made an error and accidently debited from the wrong account, I quickly transferred the money from the other account over and made the account positive. I called to make sure no fee would be given and was told no, the next day there was the fee and for {$37.00}! 

Fifth third had the highest fees possible.

I have switched to a new account fifth third offers to help with overdraft by giving you an extra day to cover the funds. But the account will only cover up to XXXX of overdraft where my other account would allow more to be paid. So it doesn't not help for any emergency situation. 

I really want to keep my banking relationship but the fees thst have been paid is insane and now there are products like chime that will pay you earlier and the fees are much lower, plus they will float you as long as you have direct deposit set up. Also I find that I can withdraw my money at more ATMs with out getting a fee where as fifth third only allows their atm for withdraw and its always a minimum of {$20.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: ECMC GROUP, INC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have student loans, NEVER once in any sort of default and always in good standing ( shown on my Credit Report history ) Always been on an IBR payment plan of {$0.00} per month or on forbearance ( i hav e a paper trail from  navient which i attached to this complaint -- the most recent forbearance approval ) I filed an ability to benefit discharge in  XX/XX/XXXX / XX/XX/XXXX  since i should not have been issued student loans since i had no  XXX/Diploma  at the time i enrolled in the school and was not tested per the rules, supposedly when i did this request, the guarantor ( ECMC ) paid off the loans immediately. ( which does not seem right? ... Why would you pay off loans before investigating my complaint/issue? ) The  XXXX  discharge request was denied by ECMC an d Dept of education a ppeal ( and ive asked for proof of the  XXXX  test they supposedly administered to me and it was never provided ), now all the sudden i 'm in default on my  XXXX  loans ... and  ECMC wont put  the loans back with Navient to go back to the good standing they were in. They want full payment and that 's my only option. its dropped my  credit score   XXXX  points now just after i got it up to over  XXXX .  <P/> Per the federal student loan website : i should have been sent monthly statements ( which hasnt been sent at  all )  and i can not be reported as defaulted until its over 270 days LATE.  <P/> My loans have never been late and have always been on a forbearance or IBR. ( i have a statement of a approved forbearance showing an end date of  X/X/18    )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Experian Information Solutions Inc.
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: Information is missing that should be on the report

Complaint:
I want Experian, XXXX and XXXX XXXX to add my current employer/employment information to my credit report. Please add and list my current employer on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX, Position : XXXX XXXX/XXXX.

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 2022-09-15
Company: Specialized Loan Servicing Holdings LLC
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2017-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
on X/X/2017 I submitted an online dispute for a Chapter XXXX Bankrupcty Docket XXXX that does not belong to me. On X/X/2017 I received an email that was addressed to a person by the name of XXXX but included my Transunion file # XXXX stating that my dispute had been completed. I called Transunion and spoke with supervisor XXXX XXXX and advised her that someone else 's name appeared on my letter and that my information seemed to be comprised. She stated that the name XXXX that was sent on my letter to my email was incorrect and that the letter did actually belong to me. She advised me that the Bankrupcty that I had disputed had been verified. I asked her for the method of verification and the source of information since there was no way possible that a dispute of this nature could have been thoroughly investigated in 2 days. She advised me that Transunion sends a 3rd party to the Federal Courts to verify information. I asked her for the name of the 3rd party company and also the rep that was sent to verify the information. She said she does not have this information but that the 3rd party received verification directly from the IL Federal Court in XXXX IL. I called the Federal Courts ( XXXX ) and I spoke to XXXX. I asked her if anyone from the credit bureau or one of their 3rd party representatives had come in or called to verify a bankruptcy and she stated that the Federal Courts DOES NOT supply or verify information to the credit bureaus or any of their 3rd party affiliates. She said the credit bureau did not receive any such verification. Transunion has not thoroughly investigated my dispute and has lied about the method and source of verification. Pursuant to the FCRA this item must be deleted from the credit report as a thorough investigation has not been completed.

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