BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-27
Company: JPMORGAN CHASE & CO.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On or around XX/XX/2023, I called to report an issue with my business account XXXX XXXX XXXX XXXX that has been ongoing on my account with a feature I have with Chase Bank called Over draft assist. Ultimately the rep stated the fees were to be credited back within a few hours. A few days later I was charged additional overdraft fees due to the agent not crediting the account as stated. I spoke with a supervisor named XXXX and she reversed the additional fees but stated she could not reverse the original fees that was promised. She stated she could submit a complaint and ask for a call review for the call that was originally taken with the first agent to confirm what he said. She stated that someone will call me back with 3-5 business days. I left off the call expecting that. 

Because all the failed promise the account went into a snowball effect causing more overdrafts. 

Now on XX/XX/2023 around XXXX, I still haven't received the call and decided to call. I spoke with a supervisor by the name of XXXX. We spoke about the issue and he stated to me that basically that XXXX noted the account and never placed a request for a call review like she stated she would. Now I'm left off two phone calls expecting a resolution of what the agents stated they were going to do and failed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Nelnet, Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a XXXX veteran ; XXXX % with the VA and XXXX XXXX XXXX XXXX XXXX. I had student loans XXXX in XXXX of XXXX due to total and XXXX XXXXXXXX and was XXXX XXXX at that time. 

Most of the student loan companies stopped reporting at the time of discharge in XXXX. Those accounts appear as Paid with a {$0.00} balance. Two of those loans continue to update/ report negatively as 120 days late by the Department of Education/Nelnet XXXX 

This damages my credit due to it being the only negative payment information on my reports at this time, and it costs me a very good credit rating, resulting in less desirable rates for financial products.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: ALLY FINANCIAL INC.
State: CT
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:
From the months of XXXX of 2021 I was in transition of jobs got diagnosed with XXXX and fell behind on everything as a single man. When I spoke with the rep/ debt collector via phone call he stated that we could place a freeze on the card to prevent further transactions and as long as I was able to make the agreed upon payments and became current they would remove the late payments. I held up my end of the deal and Im having a hard time getting the team to remove those late payments.

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 2023-03-08
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a checking account with Citibank as part of a promotion on XX/XX/XXXX. The promotion offered a {$1000.00} bonus if I maintained a min {$75000.00} balance for 60 days. I funded my account on XX/XX/XXXX and became eligible for the bonus on XX/XX/XXXX. Payment of the bonus was to occur within 30 days of meeting the eligibility requirements on XX/XX/XXXX. 

I called Citibank on XX/XX/XXXX to inquire about the status of the bonus. I was told that I had met the eligibility requirements but that I still needed to submit a W-9 form. This requirement was not included in the terms and conditions of the promotion and was never communicated to me verbally or in writing. I would never have even known about the requirement if I hadn't called to inquire about the status of my bonus. 

I sent my W-9 form on XX/XX/XXXX and called two weeks later to check on the status of my bonus. I was told that it had not been received and that I should send another W-9 form. I requested a fax number, secure email, or physical address so that I could be sure that my W-9 form would be received and processed in a timely manner. I was instead provided with the same po box address to which I had sent my first form. 

I sent my W-9 form again on XX/XX/XXXX and followed up again on XX/XX/XXXX to inquire about the status of the bonus. I was told again that the W-9 form had not been received. I asked again for a secure method by which I could send my W-9 form and was told to send it to the same po box address. Rather than have them lose my documents again, I decided to file this complaint. 

I am of the opinion that the bank is seeking one of two outcomes ; ( 1 ) that new customers forget about the bonus or give up trying to receive it, or ( 2 ) the bank delays the payment of the bonus to such an extent such that they earn enough interest on the min deposit to offset the bonus payment. Either strategy is shameful, disingenuous, misleading, deceptive, and quite possibly illegal. 

I would be glad to provide additional details as need to hold this institution accountable and prevent them form committing the fraud on other unsuspecting consumers.

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 2023-06-02
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I got a loan for a vehicle XXXX in XX/XX/2022, my first payment was due in XX/XX/2022, I paid it a month early and after this, they proceeded to mark me as late payment, my interest rate as spiked over the agreed interest rate and also dropped and raised again without being in agreement to any such interest rate spikes or regressions. Since the purchase of the car, I have made a total of 15 payments, totaling in at XXXX. The total amount I presently owe towards the car is XXXX, which means out of 15 payments of XXXX only XXXX has actually gone towards my principal. The remaining XXXX has gone towards interest. Not only has this lender been actively engaging in predatory lending they have also proceeded to incessantly call me two times a day if not three, as I had a change in work last year and I fell 1 payment behind, but had caught up 2 months later. I called the lender upon changing jobs and informed them that I wouldn't be able o make the payment that month and that I would plan on making it the following month, which I did. They have since then incessantly harassed me, locked me out of my account several times so that I would call them, Refuse to email me the terms of the loan agreement, its also not available anywhere on my login account on the website. They have also been reporting the history to my credit inaccurately resulting in my credit dropping around 150-100 points and the loan indicating I still owe XXXX on my credit, making It appear as if Ive made no payments resulting in a low XXXX  score and credit score.I feel like these practices are absolutely illegal and I am seeking guidance in proceeding forward with these issues, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Good day, I have made several attempts to have unauthorized and unverified inquiries removed from my credit report. I reached out to Equifax and XXXX by phone and was given the run around each time and was not assisted in submitting the disputes or commencing investigations on inquiries that were not carried out by me. such inquiries are ; Equifax XXXX XXXX XXXX XXXXXXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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

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 2022-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
I have been disputing this account every month since XXXX. The different items I have disputed are, openng and closing the account, no date of last activity, activity after charge off, reporting a past due balance on a closed accoiunt, incorrect payment history, reporting 90 days late XXXX times, reporting a past due amount on a charged off acount, removing the c/o and replacing it with late payments and removing payments after dispute. reporting dispute resolved when it is not. Refusing to update account after multiple disputes, everytime I file a dispute to correct information furnished to CRA, they add or delete something to furthur cause harm to my credit report. The latest was to change the account closed date from XXXX to XXXX with the last payment made in XXXX. 

XXXX, XXXX and XXXX all say that they are aware that the data being furnished is factually inacurate and changes each month but state that they are required to report what is furnished to them and can not correct, block or remove unless Capital One tells them to, so they update the account each month with more inaccurate data than the month previous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: International Financial Management
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hello, On XX/XX/XXXX, I was provided a {$5000.00} from XXXX XXXX aka XXXX XXXX XXXX. 

The term 24-month title loan with a {$1800.00} finance charge - total repayment should have been {$6800.00}. 

By XX/XX/XXXX, I paid the loan off completely total payments were {$6600.00}. I was provided a {$200.00} credit for paying it off 20 months early. 

On XX/XX/XXXX, my mortgage officer stated I had an open car loan with the above company with a balance of {$2900.00} and monthly payment of {$370.00}. 

Since I had paid that loan in-full, I knew this was an error and called the company immediately. They informed me that I had purchased {$1500.00} additional service package when I received the loan. They stated there was nothing they could do for me and that I must pay. 

Please note, the day I received the loan was I was in a jam and needed the money quickly to repair my truck for work. The contract they provided was in English and since I don't read English well I had to rely on the honesty of the companies representative. 

Unfortunately for me he was not honest.. Since this {$1500.00} package was never mentioned. I recently found out they have a common practice of selling you additional services with providing full disclosure. 

The finance charges XXXX XXXX are charging should be illegal. But I would have never complained, because they lent me the money when I needed it. 

They purposely provided me a contract that they knew I could not understand and did not disclose the additional fee. This practice is extremely deceitful and should be illegal. ( My daughter is translating this letter for me ) Sadly for me and my family we are about to lose the opportunity to purchase a home because they are trying to swindle us out of an additional {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Since my payments have resumed I've paid nearly three ( now four ) times the amount of my monthly loans, and they have all been considered " late '' for every month. 

I called on XXXX with no resolution other than being told my first payment of {$510.00} on XX/XX/XXXX ( applied towards XX/XX/XXXX ) wasn't allocated correctly therefore didn't count because I chose which parts of my loans I wanted my excess amount to be applied to. I took that as a lesson learned then paid for the total remaining balance for XX/XX/XXXX which was quoted as {$210.00} which was paid on XX/XX/XXXX. After this I received a statement on XX/XX/XXXX via their website in their inbox stating I had a {$0.00} balance for XX/XX/XXXX with a full breakdown of what I will owe, per loan, for the next due date on XX/XX/XXXX. 

On XXXX I received a past due notice staying I was {$26.00} behind on XX/XX/XXXX and hadn't paid anything for XX/XX/XXXX. Afraid to cause damage to my credit score I paid a second time for XX/XX/XXXX and am fearful I will still be considered late on this payment. 

Once I called completely confused how I could possibly have a statement that claims {$0.00} due but a past due notice as well I was given no resolution other than their system claims I'm behind therefore I have to pay. The person I talked to refused to pull up the statements I was referring to where it stated I owed {$0.00} and just continued to keep repeating I paid my loans incorrectly and must pay again to avoid delinquency. 

At this point I have no idea to do since it appears they can charge me as many times as they want in a month and claim their systems say I'm late when contacting them about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: NV
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 have contacted Experian about the erroneous information they have in my credit report. They did not investigate the information, nor did they correct the obvious errors. This error should NOT be on my credit.

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 2018-10-31
Company: EQUIFAX, INC.
State: CA
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:
Back in the year XXXX, I applied for a US federal student grant to attend XXXX XXXXXXXX College. I did receive the financial aid funds! 9 years later in XXXX I receive a letter stating that I owe XXXX XXXX XXXX XXXX {$1100.00}. I was confused and started to analyze the reason behind it. In the mean time XXXX XXXX XXXX   unfairly reported to credit bureaus as if I am not paying back my student loan. Eventually I have sorted out the problem with the XXXX XXXX XXXX XXXX and contacted to 3 credit bureaus to delete the negative report from my credit file. XXXX and XXXX cleared the negative report instantly except this company called Equifax. It has been a year that I am dealing with this matter with this company. I have filled a dispute online, spoke with them over the phone and nothing seems to work. I keep getting customer service people from overseas and they do not understand the difference from a student loan or a grant! I am fed up and looking for an alternate solution THANKING YOU IN ADVANCE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, XXXX informed me that my student loans were transferring to XXXX. 

On XX/XX/XXXX, XXXX informed me that the U.S, Dept. of Education had decided there was " no need '' to transfer my loans. 

I applied for PSLF in XXXX of XXXX. I have worked as a XXXX for XXXX years. I completed the application and certified my employment. I have been in contact with both XXXX and XXXX multiple times, as in order for the loans to be forgiven, they must transfer to XXXX as per the Federal government. 

On XX/XX/XXXX I filed a complaint with you against XXXX. They replied, telling me to " be patient '' and " the loans are in transfer ''. This was a lie. 

I am now filing a complaint against studentaid.gov / U.S. Department of Education demanding to know why my loans were not transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: SC
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:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00} ( Original Creditor XXXX XXXX XXXX Balance XXXX {$80.00} ( Original Creditor : ) 14560827****Balance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance XXXX {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: OK
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 investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$26000.00}

Company response to consumer: Closed with explanation