BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-03
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The issue here is that I have been wronged by XXXX along with numerous other establishments and their flagrant misrepresentations. The monies paid to this company were taken under false pretenses. In 2014, upon request I paid {$2000.00} dollars to XXXX XXXX, they claimed that I would receive the following services, please refer to the enclosed letter for a summary of the events that occurred. Which to date, I have not received as described per our contractual agreement, which I have enclosed for your review along with incriminating documentation that they are in fact a scam. Disgusted, does not begin to describe my outrage, after further investigation I discovered that this company is in cahoots with several other " online businesses '' that prey on unsuspecting consumers. These career criminals, even go to the extreme of dragging you outside of your 60-120 day grace period to dispute the charge with the Credit Card Company or bank account with guarantees of success and profitable returns. I was advised by the attorney general 's office that there is an extended period of time allotted if the services were not rendered as described per Federal Regulation. Which has brought me here, needless to say I did not get the services I originally purchased. I have been taken advantage of, and need my credit card company to look into remedying this situation. I called my credit card company and spoke with XXXX XXXX I was on the phone for at least an hour ), she mentioned that she could n't open the dispute simply because it goes against company policy and procedure via XXXX and XXXX card, they wo n't look into the matter. This is simply unacceptable, please have them to look into the matter, they are supposed to be on my side! I would like my money refunded without further delay. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company called XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX, is continually sending me letters to collect a debt which has expired. They have not removed this debt from my credit report either. Even the letters state that the debt has expired. If I contact this company directly, the 'clock ' will start running again and even states as much in the letter. The original debt was less than {$300.00}, but they have inflated it to {$2200.00}. Can you help me. I am a XXXX veteran with limited resources, but still need a good credit rating like everyone else in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Upon reviewing my updates, the incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-01-15
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was a cardholder of Chase Saphire Preffered Visa credit card, their cardholder agreement stated ( page 14 ) Trip interruption insurance reimburses for A Covered Loss ... : * Sickness experienced by my Immediate Family Member .... I filed the claim since I got sick due to bug bites, due to the resort being located on the swamp and it was not disclosed to us. We filed the claim with Chase within 20 days of coming back from US. They did not proccess our claim properly, instead filed it as a dispute, the denied the dispute and never paid any claim. In retaliation they closed the card and reported the " dispute '' to 3 credit agency 's causing credit score of the card holder go low. Also on separate occasion they breached cardholders agreement on road side assistance, when our car broke and needed tow, they refused to assist. I assume they do file claims improperly on purpose to confuse the customers and avoid paying the claims

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am writing to file a complaint against Chase Bank for moving XXXX of my transactions around to charge me XXXX extra overdraft fees. Currently, I have XXXX overdraft fee charges on my account, and I was expecting XXXX but I feel like the other XXXX are unjust. The XXXX transactions that I was unjustly charged the overdraft fees for were made before a larger ( XXXX ) cash advance. But, the cash advance ( made evening of XXXX XXXX ) was processed before these XXXX smaller charges, a XXXX XXXX charge on Friday XXXX XXXX and a {$10.00} ACH Debit on Monday XXXX XXXX, causing me to receive XXXX additional overdraft charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently saw  the director  on  XXXX   XXXX  and it gave me the motivation to state my experience. Here it goes.     I graduated with a   XXXX   and went into a   XXXX   XXXX   /   XXXX   XXXX   under a paid grant service agreement because I 'm working in   XXXX   XXXX   .I h ave to work for 2 years for every year I went to school ( not sure if this is I had a loan during my  XXXX , but still was in school so it was in forbea rance. Stafford   Loan, OWED    Current Principle :  XXXX  Current Accrued Interest : {$1700.00} Total Balance : {$56000.00} Estimated Interest Accuring Monthly :  XXXX  Estimated Accrued Interest when your forbearance ends :  XXXX  ( Whoa!!!!, I just realized that they are taking advantage of me. ) Finished my   XXXX   XXXX  . in   XXXX   XXXX   and finished my units for my   XXXX   XXXX  , but still need to complete my units. Technically, I have 5 years to complete my thesis under my agreement. I 'm just finishing my second year of   XXXX   as a   XXXX   XXXX   XXXX       In   XX/XX/XXXX , I received a call from GREAT LAKES EDUCATIONAL LOAN SERVICES, INC. They let m e know that I have n't paid my loan for 3 months. I did n't receive a letter in the mail notifying that I owed anything. They said they have been emailing me at an old  XXXX  account. I got no letter, no phone call, I feel, until it was too late. When I did finally talk to them, I let them know what was going on and they approved my request for forbearance until    XX/XX/XXXX .       Meanwhile, I needed to move and get a new car because my car got totaled and ran my credit which is considered very poor, making my quality of life very hard. Plus, I 'm an   XXXX   XXXX   and needs a car to travel to my  XXXX  schools to   provide service to my   XXXX  .     Everything became very overwhelming and un-affordable.     I called Great Lakes after my credit check to ask them to help me fix my  credit score  issue because I needed a car. They told me there was nothing they could do because I did n't make a payment for 3 months. I begged talked to supervisor 's, no compassion. I feel hopeless because I want to move, but I ca n't because no one will accept me without a cosigner or high interest rates. Please help, not sure if this situation qualifies for your services. Thank you for all you do and giving people a voice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX XXXX 2015 I Applied Online for discover credit card after I check the status I was very negatively surprised to see I was declined, I contacted discover customer service agent and was informed that the reason why I was denied is because i had old account which was closed by credit granot because it was inactive which by Federal Law and By Equal Credit Opportunity Rights is not Legal to take adverse action because you had account in good standing and it was closed due to inactivity. After asking to speak supervisor and my request was escalated I was not lucky to be introduced to XXXX XXXX XXXX. She Told me she will investigate why and after 7 or more days could n't give me fair and legal answer, The Answer remained same that because I had Joint account and account was closed due to inactivity and I can not apply to join Discover Card Family. Please know I contacted in meantime with XXXX Credit Reporting Agency and obtained my free credit and score allowed by law if creditor takes adverse action to verify if I have any negative items or any other reason that my credit card application can be declined in which I saw and can confirm that I have Perfect Credit And only 12 % XXXX Population can have So Much Perfect Credit and XXXX Fico Score. 


I am writing to you because The service was not carried out with the necessary skill The service was not carried out with proper care and attention The decision is not acceptable and I will file claim to Consumer Financial Protection Bureau, XXXX, Federal Trade Commision I was treated very unfairly and in my opinion law was broken I suspect maybe there are other reasons like Race Sex national Origination or other reason which is not allowed to be used to make credit decision. and many other reason ... 


According to Equal Credit Opportunity Rights, prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance. Creditors may ask you for most of this information in certain situations, but they may not use it when deciding whether to give you credit or when setting the terms of your credit Please keep in mind I have Great Credit And Very Good Income And My Debt to income Ratio is Almost 0 % Also I want to Mention I have More Then 20 Year Credit History And I never been Late and or seriously delinquent and Never in My Life I Filed Bankruptcy. 


I would appreciate your response as soon as possible. If you wish to discuss this further, I am contactable by telephone/email Phone number XXXX XXXX XXXX Sincerely, XXXX XXXX Discover Card Apllication reference number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: DISCOVER BANK
State: PA
Product: Credit card
Issue: Transaction issue

Complaint:
I am very disappointed the way Discover handled my dispute. They sent me a letter dated XX/XX/2016 stating that regarding my charge of {$5100.00} from XXXX a company that contacted me by an unsolicited telemarketing phone call, promising online business related. They never provided me the services that I paid for. They scammed me out of {$5100.00}. So Discover stated at the letter that they have no record of me disputing this charge in the past. But as as of XX/XX/2016, they were initiating a dispute investigation and sent me a notification informing me of the temporary credit to my account for the disputed amount of {$5100.00} and notified the merchant of this situation. They explained that if the merchant provides documentation that shows the charge is valid, they will remove the temporary credit and notify me with a copy of the information provided from the merchant and that this process typically takes less than sixty days. 
Then I received my statement from XX/XX/XXXX till close date XX/XX/2016 and they put the {$5100.00} charge back in there. I do n't understand why? Less than a month after they started the dispute and no letter explaining why they removed the temporary credit or if the merchant replied or not. They did not give me the chance. So I would like them to reopen the investigation since nothing was done and they did not comply with the disputing steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
ai broke some ribs while on a fishing trip to XXXX XXXX XX/XX/2011 was taken to a local hospital emergency room for observation and the on staff Dr. looked at me and told me there was nothing they could for broken ribs so just wait until they heal. while I was XXXX in the XXXX room a Dr . I had never seen came by ask how I was doing and left. Now it seams he charged me {$100.00}. When I refused to pay for nothing done he turned it over for collection. This caused me to have too low credit rating to lease a new car. I asking you to contact him to see if i can get my excellent credit back. I am never past due and have no debt. XXXX had XXXX adverse Account causing the problem will you please see if you can get this Dr. to remove the claim. ( filed through CREDIT BUR SYS INC. # XXXX XXXX XXXX XXXX XXXX, XXXX, KY. XXXX Ph. XXXX I believe the Hosp. was in XXXX Ky. HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: SYNCHRONY FINANCIAL
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2022-10-12
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Duncan Solutions, lnc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In violation of the FDCPA, Professional Account Management continues to send threatening letters, texts, and voice mails in an attempt to collect a debt that is not owed. They have ignored all cease and desist requests and refused to provide any evidence to support its claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Experian Information Solutions Inc.
State: DE
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:
For months or it could be years my credit report has not changed and I have been doing what I need to do to fix my credit. Things that Ive paid off is still on my account and my credit builder debit card with XXXX has started with {$0.00} balance some way some how your company had added {$900.00} on my account and I called the card company and they said they have no idea where it came from. My score has not changed because nothing has not changed on youll part. So I want to know how will this be fixed because soon Im trying to make some amazing moves and this situation is holding me up.

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 2016-09-16
Company: Stewart, Zlimen & Jungers, Attorneys, Ltd.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I checked my annual credit report and I noticed something that seemed in error and disputed it with the XXXX agencies. Before I even heard a resolution apparently this collection agency filed a small claims for nearly double the amount owed and I had never received the court documents/summons. I am now got a letter from them in the format of court document demanding I give them all my finical information and only having one sentence saying this was " voluntary '' while making it look like a court order I do so for a garnishment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXXXXXX XXXX XXXX XXXX 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.

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 2015-08-25
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Me and my husband are both retired senior citizens, and tried to refinance our home. The BBVA Compass Bank informed us we should not have any problems refinancing our home. We informed them that we did have a bankruptcy on our credit, and it was less than 5 years old. The banking officer informed us that it should not be a problem getting us approved, so we scheduled the appraisal per the officers instruction. The money was taken out of our account without knowledge of the date. We then received a letter stating that we were denied the loan, but we were informed by the officer it would not be a problem getting approved. We were upfront in letting them know about our credit situation, but we were mislead by the bank staff in general. We are XXXX retired XXXX and on a fixed income. The amount of XXXX that was taken out XXXX/XXXX/15 was a setback for us, especially being mislead.

Company response to consumer: Closed with explanation