BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 there was an unauthorized charge at XXXX for {$1800.00} I didnt notice this until a month later, I filed dispute for that charge and received a letter saying this charge was authorized, chase Is saying It Is authorized because It Is in the same city I just moved to. I was not living in the downtown XXXX area when this unauthorized charge occurred. Chase refuses to allow me refund for this after repeatedly telling them It was not me. There Is nothing in XXXX that costs {$1800.00} I have explained numerous times this Is not me please fix this issue and have chase explain investigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My husband was getting a personal loan he was told he would get XXXX XXXX dollars the man on the phone wanted my social security number. He did not say he was going to pull my credit.. and to top it off the loan was denied even though my husband and I got letters saying otherwise this happened the XX/XX/XXXX I spoke with the credit union and they said they were going to send a letter to the credit company to try to have the hard hit pulled but it is still there please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of Identity Theft. I've already contacted and sent letters to credit bureaus last XXXX it almost 30 days now but no response yet. I need help with this Issued. My credit score gets worse because of transactions without my permission.

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 2015-08-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent certified mail on XXXX XXXX, 2015 a letter requesting Portfolio Recovery Associates , LLC to send me the original documentation on a debt they are trying to collect. They were unable to provide me with the requested information. They sent me a letter stating that they reviewed their records and they deny their records are inaccurate with out sending me the original documents which I requested them to and am entitled to under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Law offices of Steven Cohen LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX XXXX XXXX in XXXX NY in XXXX of XXXX. It was a judgement letter from a supposed debt that was rendered in XXXX. I was never formally served with any paperwork stating that I was to present to Court to contest this debt. They stated that the full amount owed was {$3900.00}, stemming from interest, fees and poundage at 5 % from XXXX to the present. A debt verification was sent to the attorneys in question, since I have no knowledge of said debt. Stating that he was collecting on a judgment, I was sent a copy. The debt is from XXXX XXXX XXXX XXXX, whom I've never heard of until the receipt of the letter from XXXX XXXX XXXX XXXX. I've requested the original copy of whatever agreement was signed that accrued this alleged debt. They have threatened garnishment and/or to freeze my bank account if I don't pay, yet they are unable or unwilling to present evidence of what this debt supposedly is and who owns the original debt in question. 

Both the Law Offices of XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX are included for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2015-12-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I sold my car to XXXX XXXX on XXXX XXXX. On XXXX XXXX, 2015 I visited the dealership again because Toyota Financial confirmed the car loan was still active. After arriving at the XXXX Dealership I spoke with XXXX XXXX, who assured me the dealership already had the title and Toyota Financial just takes a while processing the paperwork.On XXXX XXXX, 2015 I spoke with Toyota Financial again stating the account is still open, car title has n't been released and There 's an error on my account " Corporate customer advises not authorized "

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I gave information to XXXX XXXX XXXX  to see if I was prequalified for a credit card to take advantage of a deal they had going on. They told me that I was approved for a credit card for {$400.00} and I decided against opening it and told them that I was not interested in opening a credit card through them. A few days later I get a notification on my credit report that a new account was opened for XXXX with a {$400.00} credit line. I in no way authorized this account to be opened and when told I was pre approved I said no. I am now stuck with closing this account and having it reflect on my credit report as something I authorized, when I never did. I was told I was getting a pre approval and I went against opening the account. This credit card was opened fraudulently and I did not authorize it. I simply gave my information to see my options, and since it did not work for my needs I told the clerk NO. I have no information about this card other than it was opened at XXXX and is through Synchrony bank. I have no idea of the interest rate or where the card would even be sent to.

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 2022-02-25
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Associates calls constantly as early as XXXX XXXX and as late as XXXX XXXX and anywhere in between stating is an attempt to collect a debt. Leaves an address of XXXX XXXX XXXX, XXXX VA and partial zip code of XXXX ... This company was recently sued and plaintiff prevailed. I believe they are scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: APR or interest rate

Complaint:
Requested Chase to lower my % rate. Have been good customer for over 9 years. Never missed or late payment with Chase. I have viewed XXXX ( XXXX ) Chase customer credit card statements. These friends of mine have a credit score equal to or less than my credit score. They make less money, they have been with Chase a much shorter period of years. My % is 29.99 with Chase, which is Very High. All of my XXXX Friends have % rate between 23.99 % -16.99 %. I have send many emails, and spoke to employee of Chase about this problems/issues. The only difference that is Displayed is that I am XXXX. And Chase is Racially discrimination against Me and any other XXXX customer that Chase can identify. Chase has Racially Profile me, and are charging my credit card account a higher % rate based on that decision.JP Morgan Chase employee practice these policy regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern, Under 15 U.S Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave EQUIFAX any written consent to report anything to my consumer report. No Consent is identity Theft. A copy of the law is attached with this dispute letter. 

With that being said, I the consumer contacted Equifax on XX/XX/XXXX and spoke to XXXX ( Id number-XXXX ) which is the dispute center representative and the XXXX which is XXXX ( id number-XXXX  ). They both stated on a recorded line that are not deleting even with the laws presented to them. Equifax failed to comply with requirements of 15 U.S.C 1681b and responsible for an individual action/violation. I am sending dispute letter with the laws attached. Im requesting {$1000.00} for failure to comply. 


Under 15 U.S Code 1681n Civil Liability for willful noncompliance ( a ) IN GENERAL Any person willfully fails to comply with any requirement imposed under this sub chapter with respect to any consumer in an amount equal to the sum of_ ( 1 ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or Concerning the accounts listed below as a consumer Im demanding a deletion of this accounts.

Youll must delete these accounts within 4 days after receipt under 15 U.S code 1681c-2.

INQUIRY XXXX XXXX XXXXXXXX XXXX INQUIRY DATE : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America continues to process transactions in a way that charges the most fees. They have done it 2 more times for my account, costing {$150.00} the past month for these greedy pigs. They do it on card charges despite that being outlawed, they are despicable people that take as much as they can.

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 2017-03-17
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been in limbo with moving ahead with a disposition of a mortgaged property. It has been over two years. I have written to Shellpoint Mortgage asking them to either move toward Foreclosure, a Deed in Lieu and I have someone who wants to do a Short Sale. They have refused to move on either one. I am willing to assist them in whichever direction they choose. They only continue to add on fees and services without moving ahead. My hands are tied and I do not know what to do in order to get them to move ahead to some type of closure. I have my registered letters and all of my emails sent begging for a resolution. Please help me. I do not know where to turn to get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2022, TRUIST bank stated to customers that Limited account access would happen from XX/XX/2022 to XX/XX/2022. Services were promised to be restored by XX/XX/2022. 

On XX/XX/2022, I could not access my account to pay my car loan which i have through this bank. Phone payments were also not working. 

The call center was offline on XX/XX/2022, so I called Truist customer support on XX/XX/2022. After waiting 70 minutes on hold, i got through to a client representative. The client representative stated that the information i gave to her was accurate ( username, account number, and last 5 of my SSN ). She said she would transfer me to mobile application support. She did not transfer me, instead she hung up. 

The next time i called on XX/XX/2022, i could not get through to anyone. I am still locked out of my account as of XX/XX/2022. I have attempted to contact TRUIST Customer support via XXXX, and phone. I have made several attempts to resolve the issue. My truist account has lost functionality and i can not pay my car loan as a result. I am not the only one experiencing issues with truist, as they have locked many people out of their accounts and locked debit card access, etc. I have not received any emails from Truist stating that there is a known issue.

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 2017-01-22
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I originally obtained my student loan through XXXX XXXX and was transferred to Navient. I consolidated my loans and began paying on an Income Based Repayment loan ( to XXXX XXXX ) in order to eventually take advantage of the public service loan forgiveness program. I specifically asked on numerous occasions if my IBR payments qualified for the PSLFP and was told yes. In fairness, I began paying and asking these questions at the very beginning of the announcement of this new possibility for loan forgiveness. I recognize in the beginning that they may have not understood exactly how this program would work. But for the past three or so years I have been making payments on a loan that I thought would qualify towards the PSLF programs required number of payments. I was told by a co-worker randomly that the only payments that count towards the PSLFP are those that are DL loans, not other loans, even those that are being payed on an IBR would count. I immediately began researching that these loans, while consolidated as I was directed to do, were not actually DL ( direct loans ) meaning they in fact did not count towards my 10 year repayment requirement. When I called the federal loan servicing department at XXXX they confirmed the fact that my prior IBR payments did not count and immediately consolidated my loans into a DL that would count, paying off my Navient loans. Navient when called stated they had never told me this, and unfortunately I do not have proof of the fact that I was given this false information. Additionally, when discussing the matter that the prior payment did not count with the federal loan servicing department at fedloan.gov, I was told they had heard numerous stories related to this but had no fix to the past payment issue, so I believe this is a widespread problem and many others are likely currently making payments that they believe count towards different loan forgiveness programs, though they likely do not. I have already made a complaint whit the BBB to no affect. Navient did not provide a response other than denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

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 2016-11-22
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
REGARDING RESPONSE LETTERS XXXX, XXXX IN WHICH THE RESPONSES PROVIDED A COPY OF A HOME EQUITY LINE AGREEMENT AND DISCLOSURE STATEMENT SHOWING AN ENDORSEMENT OF XXXX. 
I AM REQUESTING SPECIALIZED LOAN SERVICING FOR THE XXXX TO PROVIDE THE TIME/DATE/YEAR WHEN THIS COPY WAS ACQUIRED BY SPECIALIZED LOAN SERVICING. I AM STILL WAITING FOR THE NAME OF THE CUSTODIAN / NOTE HOLDER THAT IS HOLDING THE ORIGINAL NOTE TO BE IDENTIFIED FOR THIS LOAN PROVIDED BY SLS. SHOULD THE PERSON RECEIVING THIS BE UNABLE TO UNDERSTAND THE TWO REQUESTS PLEASE SEEK HELP FROM YOUR LEGAL DEPARTMENT.

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