BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-15
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Issue: Credit determination

Complaint:
Chase violated the FCRA by accessing my credit report to conduct " Account review inquires '' after my account relationship had ended with Chase. This meant that Chase made these inquires to all three of the CRA ( Credit Reporting Agencies ), without my consent for an account review for credit services. This was not in an effort to offer credit or other services. Chase did not notify me or ask permission to review my account. Chase will not remove the inquiries or the accounts that were closed. I will take further action up to and including a lawsuit to protect my consumer rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
This involves a Sears Mastercard issued by Citibank. I have not been able to log into my account on their website for nearly two months. I have updated my system to the latest browser ( s ) as suggested and still I am not being logged in to the website completely. There is something wrong with this company 's website and/or business practices. I have not been able to get through to a customer service agent via two different phone numbers provided by Sears ( or Citibank ) for this purpose. I am constantly routed through a ridiculous automated phone attendant system. When I am finally allowed to ask to speak to a customer service rep, the phone call is then quickly terminated. I am trying to suspend paperless billing because I have not been able to make a payment via their website since the website never completely logs me in. This is a well-know issue with this vendor and something needs to be done about it. It is pathetic how these companies are taking advantage of people who are trying to meet their obligations and protect their credit scores. I owed a grand total of {$27.00} last month and now owe {$57.00} thanks to a {$30.00} late fee which they are stealing because they are preventing me from accessing their website to make payment. I now have to visit a retail location in order to pay off this account. I 've been a customer of their 's for nearly 40 years ... never again ... they can drop 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 monetary relief
Consumer complaint received 2017-05-21
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On  XXXX / XXXX /  XXXX  , I contacted the my  XXXX   XXXX   XXXX   XXXX  by the nam e of Santander Consumer USA, Acct  #  XXXX , asking that they send me verification of the debt that supposedly I owed in the amount of {$700.00} (   XXXX    ), {$1100.00} (  XXXX  ) & {$0.00}, t hat 's appearing on the Credit Files. I stated that the account had been paid after the company repossessed and returned the vehicle to me and I paid off the debt and received my title to the vehicle. If I still had a balance why would the company issue my title to me..     As of  XXXX / XXXX /  XXXX  ,  Santander has stated  that the information has been vertified. I wanted to see how they arrived at this amounts, listed above or remove the information from my credit files ; I also disputed the entry with the credit Bureau, such as  XXXX ,  XXXX   &  XXXX , all   XXXX   (   XXXX  ) have reposted verified the information.     When I contacted the credit Bureaus by phone, I asked what information was provided by the company to support the amounts ( such as contract with my names, bill or etc ) and was told to contac  t the Creditor.
Kind   Regards,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: TX
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:
I am a consumer, natural living breathing person. I am not being coerced by any third party or agency. I am aware that my federally protected rights are being violated. Please review the attachment to see my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XX/XX/XXXX My response to Citizens Bank   enormous amount of paper work and statements and a copy of my signature dated XX/XX/XXXX. At that time of the signature this was a GOLD Account. I was told at that time that I did not have fee because this was a gold  account. I also at that time did a balance transfer because the interest rate was around 11 %. Sometime in XXXX that interest rate on the balance transfer increase dramatically, bringing me into the bank. At that time, I was told my account was change from a GOLD to a Green Account and that was the rate. I was able to lower he rate a bit. From Gold to Green account I guess that is when the XXXX was initiated with interest and fee. I will tell you I would never have signed up for a credit card with XXXX % interest rate. Secondly, I rarely bounce checks. There was a saving account with this checking account that was to cover any bounced checks. I am just learning the XXXX is for debit purchases. 
In XX/XX/XXXX Every single month at least {$12.00} plus XXXX {$8.00} interest fees comes out of the XXXX {$120.00} checking acct XXXX {$12.00} Totally {$140.00} not covered XXXX {$600.00} deposit XX/XX/XXXX {$12.00} Fee Overdraft XXXX {$20.00} overdraft XXXX {$12.00} overdraft XX/XX/XXXX {$20.00} overdraft XX/XX/XXXX XXXX interest charged I closed the account in XX/XX/XXXX because I had to change my password each time I logged into my account. When I went to the bank, they told me I had a weak userID and I had to change that. There were months when it was difficult to use my account as on line banking. 
When I closed account, I had to pay {$19.00} in fees. Not using my debit cards at least 6 times a month, which is no longer a fee. Not making a deposit every month and of course the {$12.00} + interest. 
I was told I owed {$69.00} dollars in fees. They never told me how come or showed me why I owed that and I was in a Citizen Bank  three times wondering what made up the {$69.00}. I was just told I owed it XXXX. I was not aware I signed. If I was told it would be like a credit card with XXXX % For the few overdrafts I do I would never had agreed. 
I am not paying the XXXX interest on a {$140.00} overdraft that resulted in a {$69.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Maximus Education, LLC dba Aidvantage
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX sold my loans to Aidvantage. I have never received any paperwork from Aidvantage. I called to seek redress because I just discovered by accident that Aidvantage added XXXX to my balance when the loan was transfered. I was hung up on. No explanation of this increase was ever given. It occured during the loan pause during the pandemic, when no interest was allowed to be charged. I have been on IDR for years, and due to low income I have never owed a payment. Also I am retired and receive Social Security. I have applied for the Biden Student Loan Cancellation of XXXX, and was looking forward to to a reduction in my loan balance of XXXX to XXXX. Unless you correct this error, I will still owe XXXX! I make XXXX dollars a month. 

I have heard that Aidvantage has inflated and wrongly transferred many loan balances from XXXX accounts. Now I know it's true : it happened to me. Proof is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
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: Information belongs to someone else

Complaint:
XXXX XXXX  are in contempt and violating my consumer right by furnishing the account starting with XXXX on my account please i need you to to verify the accuracy of the data and delete account and block any future report from XXXX XXXX. i don't recognize the company and i have never done business with this company before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Credit Counsel, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On  XXXX / XXXX / XXXX  at  XXXX    XXXX   I called a debt collector to request information on a letter I received from their company post marked  XXXX / XXXX / XXXX  on a {$270.00} bill. After I gave them my name and account number the male representative told me in an aggressive manner, " you hav e 24 hours to pay the bill ''. When I asked for information on the bill he repeated very aggressively again " pay the bill in 24 hours, do n't play with him or else ''. I repeatedly asked if his company could give me information on the bill in writing, he was not compliant but after another attempt to obtain information from his company he asked for my email address and then he hung up the phone while I was trying to talk to him. During the time I was requesting info on the bill he continued to speak over me very loudly, stating " I had 24 hour s to pay the bill so do n't play with him. '' I never raised my voice during the interaction nor gave him any form of rude communication. The entire experience left me physically and mentally distressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
Received my Chase Credit Card Monthly Bill and did not recognized {$20.00} charge that appeared from XXXX XXXX XXXX XXXX XXXX CT. The phone number is out of service. There is no web address. I reported the charge item to Chase. On XXXX, this phone number is linked to fraudulent company. If all Commercial Banks are notified that this is a fraudulent account, why are n't they required to identify this phone number on all their XXXX Card accounts, many consumers will overlook a {$20.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I received an email saying a new bankruptcy was added to my TransUnion credit report the email was from today at XXXX I will also be contacting TransUnion about this error as I have only filed once in 2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, SOC SEC # XXXX DOB XX/XX/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 2020-06-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
these are not my account and inquiries, i have never apply for these. 
i don't have any contracts with these companies, no documents with my signature.

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 2020-04-10
Company: EQUIFAX, INC.
State: CA
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: DISCOVER BANK
State: OH
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:
Today I received an offer from Discover to lower my interest rate to 0.99 %. When I calculated the terms I discovered that the rate was really 7.99 %. I used the online chat feature to question them about the discrepancy. They refused to acknowledge the discrepancy and instead offered me a rate that was closer to 2.2 %, but continued to insist it was 0.99 %. I asked them to send me all the terms via email so I could review with my advisor and they refused. I told them I would not agree to any plan without having all the terms in writing. At that point they tried to pressure me into signing up for a payment plan because I have had one late payment in the more than 5 years that I have had the card. It was LATE not MISSED. Recently they have been harassing me by phone and email trying to put me on a payment plan because of that single late payment. 

My complaint concerns the bait and switch interest rate, the refusal to provide me with terms of a financial contract in writing for my review before I agree to it and the harassment by customer service reps for a single late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft.

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 2016-04-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Mortgage banker was deceptive in rushing through the process providing inaccurate information and stating that I had to sign documents more quickly than I actually had to review them. Suggested that I did not need to review documents prior to signing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
Hello, I had a closed credit card with Bank of America that I was making regular payments until I was affected by the COVID-19 virus. I had to suspend operations at two businesses while also recovering from the testing positive for the virus itself. BOA submitted to the credit bureaus that I missed multiple payments and refused to assist in getting this matter resolved. Now i'm forced to go to plead my case to each bureau. I'm a XXXX XXXX. My fianc is too and went back to work the front lines at the XXXX whilst XXXX XXXX XXXX Bank of America is an irresponsible and inhumane organize that lacks a moral compass.

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 2015-10-31
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
An account was set up in my name by my parents without my permission and I the account was being used while I was in the military, years later I see that the account was closed out due to non payment for a small amount. The bank has since restructured itself, I 've reported it several times but there has never been any outcome.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern, On XX/XX/XXXX I went into my XXXX XXXX   account which I haven't done in a long time and noticed in all my collections there is a charge of {$970.00} loan amount from XXXX. I called XXXX on XX/XX/XXXX to validate how I owed them any money. What had happened was back In late XXXX maybe early XXXX I had a family plan with them and a separate phone line. All my numbers on my family plan got moved to a different provider. As for my other phone line I paid it off and closed it since I believe I was on a month to month term with them. I Know 100 % I paid in cash at the XXXX  store in full amount owed. While on the phone today they said they were billing me even after my account was closed because the person at the store never closed the account. I asked them to remove this whole thing from my report as this is inaccurate. The customer rep told me to go through each credit reporting site to dispute this. I do not owe them any money and never used phone there talking about. If someone else did such as that customer service rep from the store that is fraud and I should not be held responsible for something I never Authorized. I am Looking for all major credit reporting agencies to have this removed under the fair credit act since this is all Inaccurate and unverified Information. I will also show you guys a picture of this inaccurate info that they have on my credit file.

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 2016-05-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Robocalls continued to our office for months claiming we needed to call the number of Complete Collection Services concerning a debt collection case. 

There was no way to stop the calls without calling back the harrassers. 

I finally had to take time pout of my business day to contact these people to stop harassing us with this imaginary debt scam. 

When a person answered and I gave then the number of the phone line that was being called they admitted it was the wrong number. 

It is not the responsibility of innocent consumers to fund the activities of these clowns because they ca n't be bothered to check the facts or at least be the ones paying the people to waste time on this.

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 2015-09-08
Company: Paypal Holdings, Inc
State: WI
Product: Credit card
Issue: Other

Complaint:
I got a call form PayPal on XXXX different occasions saying I had outstanding balance. After calling back I found out that I have XXXX accounts neither XXXX was I aware were out there. My daughter opened them in my name. After she was in jail she admitted to me that she did this.

Company response to consumer: Closed with non-monetary relief