BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-20
Company: SYNCHRONY FINANCIAL
State: AZ
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:
Someone in the State of New York applied for a credit account through Synchrony Financial. I have contacted Synchrony on XXXX different occasions and verified this was fraudulent activity. Each time I was told it would be handled and the hard inquiry on my credit report would be removed. 

I live Arizona, and it was clear to see the name and address used to open the account was not me. They have still not removed the inquiry and I have never received any follow up correspondence, even though they said I would receive a letter. They didnt even have a record of the first time I called and made the dispute with them when I called the second time. They are not interested in protecting consumers from fraud it would seem.

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 2016-12-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/2016 at XXXX EST, I had contacted Chase over the phone ( XXXX ) in request to close my savings account. All went through well and I was informed as of XX/XX/2016 my savings account will be closed. Since I also have a linked checking account I requested that my checking account to be untouched and active. The customer specialist had assured me that there will be no changes to my checking account. But lo and behold, the next day, XX/XX/2016 I got an alert on my checking account that it had been overdrawn. I logged in my online bank to find a miscellaneous debit of my entire balance and a payment that I had scheduled as an overdrawn amount. I had contacted Chase over the phone once again on XX/XX/2016 XXXX EST, asking for answers to this outrageous matter. I was told from a customer specialist ( in the XXXX ) that due to a bank error my account had been closed and my balance had been debited. But I was also told that as soon as Chase figured out that it was a bank error they had reopened my account. I asked who authorized this account to be closed and reopened and have my balance drawn without my consent, which the specialist was n't able to answer. I asked to get my money back right away and the specialist said, it will take at least 24-48hours to get my balance back since the debited balance was scheduled to be mailed out to me. The specialist said she 'll order a stop payment to the check that was to be sent out to me and credit back my balance. Also, the specialist said all overdrawn charges will be credited back to my account instantly. I had bill payments scheduled to go out from my checking account so I was very anxious and checked my account as often as I can to no avail. I got fed up waiting so I visited a Chase branch ( XXXX XXXX, NJ ) on XX/XX/2016 at XXXX EST. One of the employees tried his best to investigate what went wrong with my account for an hour only to find out nothing was being done. There was no request to stop payment on the check to be mailed out to me nor the physical check itself had been mailed out yet. Also, the overdrawn charges had not been credited. After an hour, the bank employee found out from his supervisor that the check will be mailed out to me within next week and that there was n't anything else that can be done at this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a credit card account holder with Chase. My card card account was compromised ( fraud ) by a company named XXXX XXXX XXXX with a listed address XXXX, NY XXXX and a phone number of XXXX ( on my account statement ). It unlawfully charged my credit card for {$14.00} on XXXX/XXXX/XXXX and it posed on XXXX/XXXX/XXXX. The Company appears to be a music streaming service. When I researched the company, on one site, I saw that several ( probably thousands easily if you multiply account holders that do n't check their statements ) Chase account holders have been victims since XX/XX/XXXX. On website showed similar fraud dating back to XX/XX/XXXX and several in XX/XX/XXXX. I called Chase customer service and spoke with their Fraud division on XXXX XXXX, XXXX. 
After they agreed to remove the charge, I asked the fraud dept. rep. why they did not contact their customers to advise them their cards were compromised and was advised an investigation is ongoing. I again asked if it made sense to alert customers that their personal information has been compromised ( possibly via a data breach ) or contact law enforcement and was told the investigation is ongoing. While they spend years investigating, people are becoming victims of fraud and identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-20
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a follow-up to complaint already issued - XXXX. Was not sure how to update on original complaint. 

Wakefield sent a letter simply stating the debt was owed to XXXX XXXX XXXX XXXX. They did not provide any detail of the debt - services rendered- or any explanation. 

XXXX  account does not show any debt owed. 

On XX/XX/22 at XXXX XXXX. called XXXX XXXXXXXX XXXX  and after conversation was told that " it appears to be an issue with the currenty payment plan. They have had some other issues with bills on the payment plan dropping out of the system and automatically going to collections. '' This is an abuse of XXXX XXXX XXXX. I am on a payment plan and because their system messed up - my debt ( which was on a payment plan ) automatically goes to collections. They said this has happened on several accounts for different people. 

XXXX should be sanctioned for their poor accounting and for sending debt to a collector that is not a debt. 

How am I as a consumer protected from this? CFPB has the responsibility to protect us - what will you do about this? I had to take my time to go to post office and send registered mail to Wakefield to get explanation of the debt - WHICH THEY DID NOT PROVIDE - and go through the time and energy to refute a debt that was NOT A DEBT for collection agency. 

Thank you for taking the steps to ensure XXXX does not abuse their power and hurt the citizens you are supposed to protect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was trying to get some help from my lender Chase Bank by modified the loan due to reduction in my income, instead of helping me they always harassed me and taking too much time to take decisions, they asked me to submit a application like XXXX different time, one time they offer me forbearance agreement and asked me not pay your mortgage for two months and then they withdraw the agreement and I fall behind for three months payments, On XXXX XXXX or before the escalation department representative call me and offer payment plan and ask me to pay at one month payment then I will arrange a payment plan and did one month on XXXX XXXX, 2016, when called for payment plan they harass me so badly and told you must pay total outstanding or you will lose your home because you promise to pay total amount on XXXX XXXX, 2016, I told them that I just promise to pay only one month not three month but they deny me and lie to me and almost gave me XXXX XXXX by using harassing language, please help me and impose very heavy penalty on bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I just reviewed a copy of my credit report and found the following information to be an error. XXXX XXXX XXXX. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.

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 2022-03-20
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as a copy of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

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 2017-05-27
Company: Delta Management Associates, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Delta Management, is tr ying to collect for   XXXX   XXXX  . The accounts are extremely obsolete and should have been deleted from my credit report at this time. The company has fraudulently re-aged the accounts . Delta Management s ent me numerous letters by mail at  one t ime and continuously contacted me when I asked them repetitively to stop all forms of contact. They have contacted my mother which I do not know how they obtained her phone number and they continuously contacted her after being told not to conta ct her.Then, th ey contacted her  XXXX  organization, contacting the Bishop of their  XXXX  in which I never had any affiliation with, asking if I worked for the   XXXX   XXXX   XXXX   XXXX  . and several other questions. I do not know how they obtained this man 's phone number, to question and harass him. Then when he saw my mother in front of their congregation, he informed of this call and asking her why this company is contacting him. I have never worked or had any affiliation with this  XXXX . Then they had the audacity to send me a demand letter for notice to prior wage garnishment, Then in the prior to wage garnishment, they had the audacity to threaten me and say if I did not sign and return, they would again contact the organization The   XXXX   XXXX   XXXX   XXXX   that I have never worked for or had any affiliation. I have nothing to do with this organization. This was extremely humiliating, stressful and harassing for my mother and myself and the  XXXX   Bishop  was extremely upset for the contact.

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 2022-03-20
Company: JPMORGAN CHASE & CO.
State: FL
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:
I signed up for the chase freedom credit card, that comes with a promotional offer of {$200.00} if {$500.00} is spent within the first 90 days.

https : //creditcards.chase.com/cash-back-credit-cards/freedom/unlimited I have spent over 500 $ in the first 90 days, and chase is refusing to give me my XXXX $ credit. 

I believe that chase is misleading new customers, and i am sure that i am not the only person with this complaint about this offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-20
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a retired man living on a fixed income. On XX/XX/2021 at XXXX ( EST ) my entire savings, totaling {$34000.00}, was stolen through a series of online banking transactions in a matter of minutes. Someone hacked my account. 

I had {$7300.00} in my Citibank checking account and {$30000.00} in my Citibank savings account. Someone hacked into my checking account and made a XXXX transaction for {$2500.00}. The individual then immediately transferred it into my savings account. Then the individual used a wire transfer of the entire {$34000.00} savings account balance to another bank. 

I have attempted to have Citibank reverse the transactions including this {$34000.00} fraudulent wire transfer for several months now with no success to speak of yet.

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 2017-05-27
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Regarding collection agency I requested proof from LJ Ross Associates to provide me with contractual proof that either they have a right to collect on behalf of the original debtor (  XXXX   XXXX   XXXX   )  or that they own the debt itself and I have gotten nothing from this company. In order to collect the debt, they have no license in the state of Michigan and is not bonded in the state of Michigan. I have looked in the state of Michigan licensing to verify if this company has a license and I could not find one. Do they have a right to collect or not?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Platinum Holdings Group, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I was contacted by Premium Asset Services LLC, and by a woman named XXXX XXXX. She left a message to verify employment at my office. I contacted the number back and refused to verify my identity over the phone. I asked them not to contact my office again. I have repeatedly asked them not to contact me by phone. I have asked for written documentation of the alleged debt and have not received any other communications regarding this matter. I called the number back to request a mailing address so I could mail a " cease and desist '' letter. The manager I was connected to gave me false information and verbally harassed me on the phone. I have refuse to verify any information via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 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 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 XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-07-14
Company: EQUIFAX, INC.
State: TX
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 have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Credit Karma, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX there were 4 unauthorized transactions amounting in {$1500.00}. The transactions were coming out of my new Credit Karma account. I contacted them and they advised me to contact the company that were taking the money out of the account. It turned out to be XXXX XXXX but I had no information to give them other than my name ( I dont have an account with them ) I opened 2 fraud cases with Credit Karma because the XXXX XXXX representative said it was my banks job to investigate and return my funds. Credit karma literally wrote back and asked me to email XXXX XXXX  and get an email stating they cant help. I had to transfer my remaining refund funds into my actual bank account. Im not sure what else to do. I havent even received a new card they just locked the one I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
1 This complaint is directed to XXXX XXXX XXXX JPMorgan Chase, to personally answer these questions. 
1. ( a ). I have a checking account with JPMorgan Chase account XXXX XXXX XXXX XXXX XXXX. On XXXX/XXXX/16 I called Chase to dispute XXXX charges on my debit card under The Fair Credit Practice Act. 
XXXX. I talked to a claims person who refused to make a claim, she violated the XXXX by not opening a dispute on these XXXX charges to my account. 
4. On XX/XX/2016 this unqualified supervisor in Claims close my account because she said I had to many claims on my account. 
5. I would like a copy of the written policy on how many claims a customer can make on his account. 
6. All claims I have made on my account has been ruled in my favor by JPMorgan Chase. 
7. Please have Chase send me the written policy that if a customer makes a certain amount of claims, Chase can close there account. 
XXXX. JPMorgan has caused a injury to me bt closing my account with out a chance to respond to there allegation that I made XXXX many claims on my account. 
9. I am a XXXX senior citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, However with the accuracy of this account is incorrect it is reported that I have several late payments however this information is incorrect. In addition this is furiously posting incorrect information. I have no remembrances of having this account. This account may belong to my father we have the same name and our information has be intertwined before on our credit report. This account belong to someone the Account status is not consistent, nor is the Date opended High Credit, Past Due amount Payment Status Last reported Date last active have mix information agmost the three credit bureaus .... Look HOW ALL THREE CREDIT BREAUS HAVE DIFFERENT INFORMATION... THIS IS NOT RIGHT SOMEWHERE SOMEONE DROP THE BALL... .THIS IS GROSS NEGILENCE.

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 2022-03-20
Company: United Accounts, Inc.
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In XXXX, which I would've been a XXXX Three years ago in XXXX, I had gotten a letter from collections letting me know that I had a medical bill from three years prior at the XXXX ( which I was under my parents insurance ) and that it had gone into collections. I had no recollection or warning of this bill. I had tried to dispute it in XXXX but had obviously gotten nowhere. I am willing to pay it but it will still be on my credit report which I am having issues with going forward with a loan at the moment. I would very much appreciate if I could get some answers back. Thank you.

Company response to consumer: Closed with explanation