BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-09
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
This complaint is in regards to a joint checking account with Santander Bank ; my son & I opened the account approximately 10 years ago. My son XXXX is the primary user of the account. Over the 10 years he has never bounced a check. XX/XX/2015 he made a mistake and the account became over-drafted ( he did n't realize ) a few days later he received an automated deposit in which made the account positive again. He then paid his rent and other bills with out knowing he had been charged several over draft fees. This resulted in the account again becoming over drafted. Apparently he was allowed to continue to use his ATM debit account due to the fact the account has over-draft protection. The account went several days into over draft before he realized the entire situation. Once I called the bank & spoke with the branch manager they had charged the account {$40.00} per day with a total of {$750.00}. The manager after checking with her regional supervisor agreed to refund {$100.00}. My complaint is as follows : myself nor my son where given written or verbal notice of the over draft of the account or fees being charged. 
1 ) The fees are excessive in nature! 
2 ) The overdraft protection should n't allow the consumer continue to engage in charges to the account when over-drafted after a certain amount of usage. 
3 ) The bank has misused overdraft protection allowing the bank to charge the consumer absorbent fees without notice. 
4 ) The fees charged to the account and action taken by the bank is egregious towards consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-10-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Settlement check deposited on XX/XX/XXXX by remote mobile deposit. 
Check placed on hold for 15 days to be released on XX/XX/XXXX. Chase claimed the company who released the settlement check out a 15 day hold. 
XX/XX/XXXX Chase claims an ID needs to be shown and funds to be released. Brought in ID to branch, only to find out the account was closed due to fraud. Chase cashed the check, took their {$70.00} that was owed due to overdraft and fees put a freeze on funds of {$2800.00} and will not release the money. Finally found out after 2.5 weeks the reason as to why, The company who wrote the check XXXX XXXX, XXXX XXXX XXXX XXXX did not put their name at the top of the check, instead put XXXX XXXX XXXX XXXX and put XXXX XXXX phone number and address. XXXX XXXX being the employer who was sued, reason why I received the settlement check ) We have spent countless hours on the phone and in person, given the run around, told this would be settled and I would receive the funds back and to wait x amount of days. Only to be told another and denied funds. I have been told that Chase will contact XXXX XXXX XXXX to have check verified and funds released. Only to run into another wall with Chase to be told that it is against their policies since XXXX name and phone number isnt on the check. My complaint is about XXXX XXXX as well, they made an error when writing the check and will not fix the issue. The refuse to file a claim with their bank, to stop payment on check and have Chase release the funds back to XXXX XXXX, so another check can be sent to me. XXXX admitted to us that they have had this issue before with checks not being made out correctly. At this point i am out of {$2800.00}, no bank account since Chase closed the account, and have spent countless hours dealing with this situation. I need a resolution and help doing so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: NAVY FEDERAL CREDIT UNION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On or about XXXX of XXXX, the following unfair or deceptive act occurred ; Your company sent notice of your adverse actions that are not supported by law or written agreement, and after accepting payments for almost XXXX years at the interest rate of XXXX percent, that NFCU intended to raise the interest rate to XXXX percent if NFCU did not receive copies of the security documents already sent to you. Your agents proceeded to provide false assurances that this would not happen, and that they recognized this would be in violation of various laws and statutes because of the following : 1 ) you were sent the documents and misplaced them, 2 ) you failed to enforce the security agreement as it was written, and gave a forbearance without proper notice to not only myself, but all others like myself, in my class, 3 ) by failing to provide notice of your not perusing the effectiveness of the security agreement, and by accepting payments for almost XXXX years at the interest rate of XXXX percent, you therein waived any conscionable right to change the interest rate through your business practices, in which you established your affirmation of the XXXX interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX and I'm including it again. 
DEPT OF EDXXXX XXXX Balance : {$3600.00} ; DEPT OF ED/XXXX XXXX Balance : {$2000.00} ; DEPT OF ED/XXXX XXXX XXXX : {$3700.00} ; DEPT OF ED/XXXX XXXX Balance : {$2000.00} ; DEPT OF ED/XXXX XXXX Balance : {$690.00} XXXX DEPT OF ED/XXXX XXXX Balance : {$1800.00} ; DEPT OF ED/XXXX XXXX Balance : {$3200.00} ; DEPT OF ED/XXXX XXXX Balance : {$2600.00} ; DEPT OF ED/XXXX XXXX Balance XXXX {$1800.00} ; DEPT OF ED/XXXX XXXX Balance : {$320.00} ; XXXXXXXX XXXX  XXXX Balance : {$4500.00} ; XXXX 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 2020-11-17
Company: EQUIFAX, 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:
I have spoken to representatives and supervisors and the calls disconnect with no help at all. I have mailed in disputes for the 4 collections on my credit report XXXX XXXX XXXX XXXX with Equifax and they keep saying they haven't received them and this is my second time doing a dispute in writing. The information they have on my report is not accurate and needs to be deleted. My next step is to go forward with a lawyer if need be to make sure my credit is accurate and make it known publicly that Equifax is a fraud company that keeps inaccurate information and provide no help to people like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: SC
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy. 

Accounts in violation : XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  XXXX Acct # XXXX 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1692C Without the prior consent of the consumergiven directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2021-02-23
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have spoken with 4 representatives about these re-aged accounts. Also, after speaking with hospital they have no record of my visit for the amount nor the date. Except from XXXX per business office. I can pull my medical records and see this is not a valid bill or collection. 
Medical date systems has these 2 accounts. 
Medical Data systems:XXXX : {$1100.00} Medical Data systems : XX/XX/XXXX : {$230.00} I am beyond frustrated. I will be also writing another letter to credit bureaus. An attorney suggested I file complaint. 
Much appreciated, 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 explanation
Consumer complaint received 2020-11-17
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, JPMCB CARD SERVICES add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I applied for a mortgage approval and my credit was run and one of the 3 credit reporting bureaus, I think XXXX, sold my personal information. I have had for XXXX phone calls and text messages today and someone called and listed off my SSN and DOB. The mortgage lender indicated they can not do anything about that and they are aware that the credit bureaus are selling information. I want to report this and will be considering sueing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-07-26
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I was a victim of identity theft. I had alerts on my credit reports. All credit reporting agencies, XXXX, XXXX, and Experian were not allowed to give out my credit report information without first contacting me and me allowing and verifying that I auhtorized it. They are not doing it. I have Hard Inquiriess on all my Credit Reports and they will not remove them. They know they XXXX  up. Please make them remove all Hard Inquiries from my Credit reports. Thak you

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 2023-03-24
Company: Google Compare Credit Cards Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX, I received a notification from Google Pay that the payment for one of my subscriptions was declined. Google Pay is set up with my bank account 's debit card. I have two accounts with the same bank and have another debit card as a back up payment. Both accounts had sufficient money to pay for the subscription. When I checked my Google Pay account, it said that my payment profile had been suspended since they were unable to verify the information. I did not receive any requests from them prior to this to verify my information and avoid the profile to be suspended. They have a process to submit information to confirm my information and I have followed the process accordingly. I submitted what they needed but did not get a response. I submitted another one and received a follow up to confirm information. They never got back to me on that one. A week later, I replied to the email requesting status of my request with no response. Today, I submitted my third request to have this resolved. I have already three subscriptions pending for payment with one at the brink of being cancelled because I have no other way to pay for the subscriptions and they won't even let me update my payment options because of the entire profile being suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: General Motors Financial Company, 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:
You are in Direct Violation of The Fair Credit Reporting Act ( has violated several of my rights., 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I received a notification that tLockhart, Morris & Montgomery , LLC was trying to collect a debt of {$100.00} on an account from XXXX. I returned the notification with a dispute of charges the same day. I received a call from this company a week later and advised that I had submitted a written dispute of chArges. I was told it was my account and I needed to pay it. She could provide me with a copy of the bill. I told her to mail it to me. I have heard nothing from this company until Monday XX/XX/XXXX, when I received a notification that this company had placed a collections on my credit report. I disputed the collections account on with XXXX. On XX/XX/XXXX, I received a letter from the collections company dated XX/XX/XXXX stating they were not able to confirm this as my debt and would be closing the file. However it was sent as a reported collections during a dispute and after the collection agency confirmed they could not confirm this as my debt. Under the fair credit reporting they are not supposed to report a collection account until the dispute is completed. I have contacted the collection agency and advised them of my rights. They have said they will put a rush on the removal from my credit reporting within XXXX hours. This is an unacceptable practice and the company should be held responsible for their actions.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Transworld System is trying to collect on behalf of XXXX XXXX XXXX XXXX. This account is off my report by law, since it has been over 7 years. And isn't it true that according to the Statute of Limitations debt collectors can not collect after 4 years? Once again it has been 7 years! This company is illegally trying to collect a time-barred debt! I know about the FDCPA laws, and I kindly ask that this company to cease all communication with me. They keep calling me saying I owe them {$21000.00} I have never signed a contract with them, have never paid them nor do I owe them one cent! I am sending you this as proof that I have not paid them. 

Thank you in advance for investigating this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Experian Information Solutions Inc.
State: VA
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:
The Experian website shows conflicting data on my credit. One page shows that I have a potentially negative item that is a late payment on a mortgage. That was cleared up by XXXX. XXXX notified the credit agencies, and Experian updated the payment history on my account to reflect no late payments. However, they did not update the negative items on my credit. It is no longer a negative item and should be removed as a negative item. When Experian looks in to the issue they will show that there aren't any negative items to update. That is correct, but their pages do not reflect that. I can provide attachments to show 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 non-monetary relief
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
This company is reporting inaccurate dates of payments made there claiming I havent made no payments in the pass 8 months and I have Receipts showing where I was making payments XXXX XXXX was made XXXX XXXX was made and XXXX was paid on XXXX and those moths they claim no payments was made

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 2021-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I regularly make additional payments in advance through the website. Bank of America is misapplying my principal payments as future payments. The default calculation they use allows them to collect interest on the principle that has been paid. 

According to their website, I am paid up more than five months in advance. I don't want to be paid up 5 months in advance. I want all of the advance money applied to the principal. 

This in my opinion is fraud on a huge scale and should not be legal. Getting them to correct the problem takes considerable time through their IVR and with an agent. It isn't something a consumer should have to do.

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