BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Seek XXXX XXXX XXXX XXXX XXXX offered to get us credit cards under XXXX new companies with zero income. We were told they can get us credit cards with limits of {$150000.00} for each company. We were looking for funds to purchase a business. We moved forward with their service and they opened credit cards under my name close to {$120000.00} for these XXXX new companies. This was not enough to secure the amount to purchase the business and now they say we owe them {$12000.00} and sent us invoices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
Synchrony and XXXX are reporting duplicate accounts for the same account that has been paid in full.

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 2022-09-13
Company: DISCOVER BANK
State: NC
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 customer service

Complaint:
I opened my Discover Secured Credit Card in XXXX and around XXXX or XXXX of XXXX, Discovers automated systems raised my credit limit and graduated me from a secured card to an unsecured card. Discover claims that in the automated email, they would refund me for my security deposit and that I would receive it in a timely manner. It has been 5 months since Ive graduated and Ive made countless phone calls to Discovers customer service team about my security deposit being refunded and every time, I was given a different date, false information and promised call backs. As of writing this complaint, I was supposed to receive one today but I never received it. During the time Ive been speaking to Discover, they first sent out two checks, claiming to be in a blank envelope for security purposes and neither one of those two envelopes arrived this can be confirmed via USPSs Informed Delivery feature as well as the fact that I have received billing statements from Discover in the mail, without issues. Third time I had a call with Discover, they claimed that they were going to do a ACH to my bank account. I called back and forth with Discover for additional information and each time, they keep changing the dates. This has been a ongoing issue ever since Ive graduated from a secured card with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Continued threats of legal action for a debt they will not specify. Asked for proof and clarification multiple times, asked them to not communicate with me and further until they've done so, and made clear I would file for harassment if they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Continuous harassment by Portfolio Recovery Associates. I informed agent XXXX that this is an extremely fleshed-out issue, for which I have been contacted tens and tens of times. I have warned the company about a CFPB complaint, but they do not listen. 

This is not my debt. My debt was paid off. The card was charged off years and years ago. When asking for proof and verification, they can not provide it. 

This is illegal and wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: Convergent Resources, Inc.
State: NC
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:
In accordance with the fair credit reporting act Convergent account Has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 A section 2 : Also states A consumer reporting agency Can not furnish a account Without my written instructions 15 USC 1666B : A creditor may not Treat a payment On a credit card Account Under an open End consumer credit plan as late for and 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 explanation
Consumer complaint received 2019-12-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello XXXX XXXX XXXX Claim # XXXX Per the company response about the debt ( please see highlighted parts ). They stated all charges are clearly reflected on the documents provided ( incorrect statement ) per page labeled 1-11 the transactions amount doesnt add up to the transaction listed. It was also stated that the second page of the statements contain no information relevant to the charges also an incorrect statement. 

Page 1 transaction and tradition total match Page 2 transaction and tradition total DONT match diff of {$1400.00} Page 3 transaction and tradition total DONT match diff of {$830.00} Page 4 transaction and tradition total DONT match diff of {$180.00} Page 5 transaction and tradition total match Page 6 transaction and tradition total DONT match diff of {$100.00} Page 7 transaction and tradition total DONT match diff of {$20.00} Page 8 transaction and tradition total DONT match diff of {$380.00} Page 9 transaction and tradition total match Page 2 transaction and tradition total nothing listed Page 2 transaction and tradition total nothing listed Total transaction proven per the documents provided is {$720.00}. There is {$2900.00} unaccounted for per the documents provided. I will pay what has been proven in full today ( {$720.00} ) minus the prior payments totaling {$110.00} to a total due of {$610.00}. Once I pay the full amount of {$610.00} the account should show as paid in full and cleared from my credit report as a collection. Please advise. Please keep the case active until resolve. Thanks in advance I can be contacted at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: U.S. BANCORP
State: CA
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:
Rewards Points Fraud.

They did not give me all reward points as advertised.

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 2021-11-15
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime bank closed my account for no reason and without notice. And I can't get in touch with customer service. I setup direct deposit for my work, now I can't receive money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX account XXXX, In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXXXXXX account XXXX, In accordance with the Fair Credit Reporting act XXXX Account # 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 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 non-monetary relief
Consumer complaint received 2021-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
What happened? In XXXX of this year, 2021, Bank of America engaged in what should be deemed, or what I would call bad accounting and financial disclosure practices. They refused to refund {$10000.00} that came from my account, and was sent to perhaps, an untraceable dummy account via XXXX transaction. At the time, I notified the bank of what happened and requested that my money be refunded, and I also requested that the account information of the recipient or deceiver be revealed. The bank did not cooperate with my request.

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 2019-10-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a loan with FAIR COLLECTIONS & OUTSOURCING. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and FAIR COLLECTIONS & OUTSOURCING with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part.

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 2020-11-28
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Account paid and never late XXXX XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Account paid and never late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Date : {$0.00}, Issue : Account paid and never late XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX/XXXX  - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX  XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX/XXXX  XXXX XXXX  - XX/XX/XXXX XXXX Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Issue : The inquiry was not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter to Capital One bank related to a reported late payment being reported in my credit report. I notified them that I am disputing this and asked for verification or proof bearing my signature. Within 30 days I had heard nothing back from them nor did they Mark this item on my credit report as being disputed. I sent a second letter to them on XX/XX/XXXX which was received XX/XX/XXXX. My credit report still doesn't reflect that I'm disputing the item in question and I haven't heard from them since they received this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX -XXXX-Balance {$0.00} XXXX- XXXX-Balance {$0.00} XXXX XXXX-Balance {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX XXXX XXXX  is reporting bogus apartment debt. The account # is XXXX. I requested XXXX XXXX to itemize the bogus debt and they just responded with a form letter restating the bogus balance. You can not just make up charges. 

I requested detailed account of what they say is due and they have provided nothing. Not a contract, not pictures of damages, no timeline of rental after ... nothing. I can tell you for certain I do not owe the amount they claim. I can not event begin to dispute until they itemize what they say is due. 

I need documentation of work performed, condition of apartment before and after, what did they do to advertise apartment if they can actually itemize anything

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 2020-04-08
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My credit card account was hacked by a scammer named XXXX who acted as a loan company claiming to be working with the federal government. He made payments to my account and reversed them also purchasing {$1100.00} worth of gift cards bringing my account balance overdrawn by {$1100.00} more than my credit limit amount. How could I have possibly made a purchase {$1100.00} over my credit limit? The scammer needs to be prosecuted for targeting someone like myself during a time of economic crisis due to the corona virus. Chase Amazon bank is holding me accountable to those charges and refuses to understand or help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
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:
We ( Spouse and myself ) was made aware of the error while applying for a loan on XX/XX/XXXX at a different bank. During the loan application process, it was discovered that Fifth-Third Bank was reporting each of my two credit cards to the three main credit reporting agencies under two different names. This effectively doubled our debt for each card, doubled the credit outstanding and lowered my FICO score. They reported the credit cards to XXXX and XXXX as " Fifth Third Bank '' and reported to XXXX as " 5/3 Bank CC ''. It was discussed with the local branch in XXXX, XXXX, which pushed it to Fifth-Thirds 's Credit Card division. The CC division said there was no error on their part, and it was the credit reporting agencies issue. I then went back to the local manager, and he gave me the number for the Fifth Third Office of the Chairman. They investigated and said there was no error on their part. The original loan officer that discovered the problem said that it is Fifth-Thirds problem and is a software glitch on Fifth Third 's end. 
I filed a complaint with XXXX on XX/XX/XXXX and six months later it still shows open requiring " manual '' review. I believe that this is likely a large problem with Fifth Third Bank Credit Card Customers across the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: Receivables Performance Management, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Receivables performance are stating I owe XXXX $ and I feel that I should only pay the service monthly charge and not the early termination due to me bringing over my own phone over which was already paid off.

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 2022-05-05
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 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 non-monetary relief
Consumer complaint received 2020-04-08
Company: CURO Intermediate Holdings
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hi I'm Very upset this is Disturbing too I cant see my credit score since I've been home from XXXX  all kinds Things Went On I Cant Do Anything I AM NOT DECEASED MY NAME IS XXXX XXXX XXXX MY Address is XXXX XXXX XXXX XXXX LA XXXX last four of my ss XXXX birthday XXXX I Have No Knowledge Of These Address on my Report Besides XXXX XXXX XXXX XXXX LA XXXX Please reach Back out I need ANSWERS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
a debt from XXXX was found to be inaccurate when listed with another collection company XXXX and was removed. Now they put it back on my report under a different collection company 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 2016-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Consumer Financial Protection Bureau To whom it may concern, I started this dispute with all XXXX credit bureaus TransUnion, XXXX, and XXXX on XXXX XXXX t 2016. I done so via : calling, faxing, and mailing in my original disputes. I received a responses from all XXXX credit bureaus, stating that my disputes were resolved. However, something has went terribly wrong, in a matter of days I have had to open all disputes and they have dropped my credit score over XXXX of points. Due to the inaccurate reporting I have lost the ability to obtain my business loan and my down payment for my business. Every time I have contacted them they open another dispute for another 30 days. I do not have another 30 days from never. I have also contacted the companies that they claim have these things and other inaccurate reports on my credit and the companies do n't even have the paperwork to substantiate their claim this is further cause me to stress and I would like for them to cease and desist any further derogatory activity on my credit I am including all the documentation that I can find VA email and any other little disputes also a copy of my credit scores last week my current score is now a copy of my student loans and their current and when they 're due and anything else that I could find that could include of a along with the original documentation this process has been most stressful

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