BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I deposited a check that was endorsed to two parties, and was told I needed verification of the funds. Once verification was received my account was still closed and I was told my accounts remaining balance would be mailed to me. One check for the balance and another for the held funds of {$24000.00}. I was informed it would take 7 business days from XX/XX/2019. I received the funds two weeks later for an amount of XXXX, but I never received my check for XXXX. I have called once more to inquire and was told they could not see that account or any notes on my accounts closure what so ever. It was as if I never had this problem. I have the receipt of my deposit as well. I just want my money, I have been back and forth with the bank the entire month until they finally decided to do called mail everything and I have yet to receive the funds. It is causing financial hardship as I need the money to pay off a loan to lower my monthly DTI and buy my home. This has been a financial hardship on my not only losing my account but that amount of money to be held is absolutely ludicrous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: JPMORGAN CHASE & CO.
State: KY
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:
There is an inquiry that is unauthorized reporting on my credit. The date of the inquiry is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: Navient Solutions, LLC.
State: MO
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:
I have had auto payment on my loan with Navient for years. On XX/XX/XXXX, I changed the account on which the payment should come from. Since the change would not go into effect until the next payment cycle which was XXXX, I made a one-time payment using the new account so that I would not go past due ; this payment did go through. 
While I was on vacation I started getting VM saying that I needed to call Navient and make a payment so that my account would not be negatively impacted. When I got back XX/XX/XXXX, I logged into my account to see that the account from which my payment would be deducted was no longer linked. I went through the process to link the account and it said/showed the account was active. I then tried to make a payment and the system said that it was invalid. I tried to link my old account and went through the same process to have the system say it was invalid. 
I waited 24 hours ( XX/XX/XXXX ) thinking that I may have locked the account and tried to link both accounts. The same thing happened saying it was invalid. I called Navient and spent over an hour on the phone with 2 different people. The 2nd person said that it was my bank that was blocking the payment. I gave this person my credit card information to make a payment so that my account would not go past due. I then called my bank and spent another hour on the phone with them ; they told me that they were not denying the payment and that Navient was refusing to take the payment. 
I received an email yesterday from XXXX stating that I was going to get a refund for {$120.00} but the email did not give me any details except to contact Navient if I had any questions. Then last night I received a call from someone at Navient stating that my account was past due and that I needed to make a payment immediately. I stated that I had made a payment on the phone already and that my next payment was not due until this month. They told me that the person I spoke to from Navient made the payment directly to the Department of Education. 
This whole situation raises huge concerns of how my loan is being handled. Not only am I dealing with possible delinquency on my account but someone from Navient took my personal information and credit card information. Now I have absolutely no faith that my account has been handled properly this entire time. I do not know if payments and/or personal information have been handled appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
These items doesnt belong to me And I would like them removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am frustrated and I feel ike the Credit Bureausa have been ignoring my disputes requesting the correction of the disputed items that are still reporting on my Credit File despite the multiple letters and CFPB Complaint I have been submitting addressed to the Credit Bureaus. As of now, I am submitting another CFPB Complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. Please correct and or remove the following items from my Credit File : XXXX XXXX XXXX XXXX XXXX, MO XXXX- This address in incorrect and outdated, I need you to please remove this inaccurate address from my Credit File. 
XXXX XXXX  XXXX Balance Owed : {$0.00} - This account is CLOSED and the BALANCE is XXXX, and you have been reporting this account as late when in fact the account was paid and closed. Please correct this account or remove if unable to correct.

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 2022-09-29
Company: Experian Information Solutions Inc.
State: IL
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 disputed a account on my Experian credit report in reference to child support on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX each time i disputed the item i asked for method of verification and each time i was told Experian does not verify the accounts. i was told Experian assumes the furnisher of the debt is truthful and honest. they are not following the law and the rules set in the FCRA they refuse to verify a fraudulent and inaccurate account on my credit report which is prohibiting me from obtaining credit. Child support is not a credit account or installment account. Experian obtained this information via 3rd party and will not verify the validity of this account please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IQ Data International charged me 700 % of what I actually owed my old apartment. In XX/XX/XXXX, my old apartment XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX CA XXXX sent us an eviction notice in retaliation to our complain about their city code violation where they simply painted over black moles after our apartment was flooded by upstairs ( as a result my entire family contracted bronchitis ). We moved out 2 weeks after the notice and we really owed them 2 weeks of rent which was approximately {$1000.00}. On top of not giving back us our deposit, the apartment sold the collection to IQ Data International and they demanded {$6000.00} until end of XXXX and after hearing that I would compliant to consumer bureau if they did not give me an itemized deduction of the {$6000.00} they wanted, they raised the collection to {$7000.00}. IQ Data International is a criminal organization engage in robbery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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: Personal information incorrect

Complaint:
I sent letters to the Credit Bureaus to remove the unauthorized inquiries and personal information that are found on my report. But still those inaccurate items are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
A financial institution that identified as a debt collector, Santander Consumer USA, has bee attempting to collect money for an alleged debt. This company has called everyday non stop until I requested that they cease attempting to verbally contact me. They have only complied to stop verbally contacting me. However, this company continues to report derogatory remarks on my consumer file to the consumer reporting agencies. Pursuant to 15 USC 1666b, section ( a ) -Time to make payments, " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' This company has refused to cease reporting to the consumer reporting agencies even after I requested that they stop. They also threatened to seize my property even after I have notified them numerous times of their violations against my consumer rights. I have been in communication and in dispute with this company for 4 months now. They refuse to acknowledge any of the claims I presented even with the consumer laws to support. I have also notified the consumer reporting agencies as well, and their reinvestigation has not been impartial and fair with respect to the law. I will attach documents of their correspondences as well as mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2021-04-07
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Not only is this account more than 7 years outdated but the amount owed is inaccurate. When I initially tried to pay on this debt, I was told to come into the store to pay. At the time I just moved to XXXX XXXX for XXXX so I tried to voice my frustrations with the whole process and that I wasnt comfortable giving my information over the phone. This debt that is owed is more than 7 or 8 years old. When I asked the company for 1 ) proof of debt & 2 ) date of delinquency, they neither responded nor changed the misinformation. This account for some reason keeps reporting month to month, current when I havent done business with this company in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with The Fair Credot Reporting XXXX Account # XXXX has violated my rights to 15 U.S.C. 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A states section 2 : it also states a consumer reporting agency can not furnish a Account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Experian Information Solutions Inc.
State: MA
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
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 2018-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I responded to a XXXX % APY, 12 month, offer from capital one by cashing a couple of Checks they had mailed me. The transfer fee amounted to {$210.00} or 3 % of the amount the checks were written for. By the end of the first month in the loan they charged my linked checking account the entire loan amount plus transfer fee. The reason being that autopay was set incorrectly to " pay monthly balance ''. I tried plead with them unsuccessfully. One manager offered to reimburse half the fee. I did not agree.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018 Portfolio Recovery Associates received certified letter requesting proof of original application, contract, any an all statements related to this debt, signed receipts, canceled checks, and or documentation containing my original signature obligating me to a debt that the claim I owe. Since, I have only received a screenshot of a piece of paper with my name, an account number, as means of validation. As per the Fair Debt Collection Act, section 809 ( b ), Portfolio Recovery Associates is in violation by continuing collection efforts without providing the requested documentation from the consumer as well as the original creditors information. In addition Portfolio Recovery Associates received a notarized affidavit requesting original documentation containing my signature regarding this debt. Since Portfolio Recovery Associates has failed to provide the requested documentation, I expect this debt to be removed from the all three of the major consumer reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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: Account information incorrect

Complaint:
XXXX XXXX XXXX Account XXXX ( Equifax ) Amount in H/C column is credit limit of {$380.00}. Please remove from my credit report. XXXX, and XXXX does not show this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 continue to see unverified and erroneous accounts listed on my credit profile. I have repeatedly asked for an investigation into this accounts as well as verification of these accounts and have yet to get a response or receive written, signed documentation that these alleged accounts are mine. I do not recall opening the accounts and they continue to be reported on my credit profile.

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 2021-06-08
Company: EQUIFAX, INC.
State: OH
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 account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My company has over {$10.00} XXXX on deposit with PNC Bank spread over approximately 30 accounts. We have not been able to get online access to bank account activity or generate bank statements since XX/XX/XXXX. PNC Bank representatives have often not responded to phone calls or emails or have been very slow to respond. The responses received to any questions are usually " I don't know '' or " We are working on it ''. This matter has now been unresolved for 4 weeks and we need to have access to account activity to maintain normal business operations. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was assessed an Annual Fee on my Capital One Venture card on XX/XX/XXXX, and the day after being assessed the fee, I called Capital One on XX/XX/XXXXto see if the fee could be reversed. I was informed the fee could not be reversed, but that I could switch to a Quicksilver card which had no annual fee. I was led to believe this would reverse the annual fee I was charged, as this new product did not have an annual fee and in the disclosures read to me over the phone there was no mention that annual fees already assessed would not be refunded. Note : they will refund them if you close the account, but that harms consumers as it can negatively impact one 's credit rating. I feel the lack of disclosure is unfair and deceptive, and the policy to only reverse an annual fee if the account is closed is abusive, as it can harm a consumer. Additionally, they wouldn't switch me back to the fee product, so effectively I paid {$95.00} for a card that doesn't have an annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX ( XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX has violated my rights. 

15 U.S.C 1681 section 602.A. States I have the right to privacy.

15 U.S.C 1681 section 604.A section 2. 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 explanation