BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-16
Company: Experian Information Solutions 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:
I have asked both Experian and XXXX the collection Agency Riddled with thousands of complaints to both show me rhe valifity of some debt I dont have any recollection of and I have been gone from the area for 15 years. That is a fact and would expect both agencies to hold to the highest standard of the FCRA and the Fair Debt Collection 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 2019-08-15
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I work for XXXX XXXX XXXX , XXXX. They have missed the last FOUR pay roll dates with the TN branch. As a result, I went to Regions bank to close my account today to avoid nsf fees from auto drafts. They told me that they can't close my account because it needs to be inactive for 30 days FOR THE CREDITORS ( not the consumer! ) She said, " if I close your account and someone ACH debits an auto draft from your closed account, it will force the account back open and you will still owe the bill plus the NSF fees on the closed account. Meaning, it won't really stay closed. '' That is complete XXXX  XXXX. Now, I am going to cave and maybe file another bankruptcy if the ceiling falls in on me for the NSF fees from all my bounced debits in an account regions refuses to close bc they favor the creditors not the consumer. Please help CFPB to change banking laws/rules such as this one!!!! I don't know why XXXX XXXX of XXXX XXXX XXXX  can not make pay roll on time ; but, Regions shouldn't allow me to be financially devastated any further due to XXXX 's short falls. This isn't right. It's bad enough I'm eating sandwiches and 2 weeks away from eviction ; now my own bank is against me, too. This is overwhelming

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 2021-07-18
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Comerica
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Direct Express has closed my on line account and they still have my {$220.00}. I have been dealing with them for over 2 years trying to get my money sent to me.This is XXXX pour how a company takes care of a US veteran. I've been on hold for over 2 hours many times and just gave up. If they had an office I would come down and kick someones " XXXX ''. There putting me in a position to get myself in trouble and that should be a crime.This is a XXXX poor government agency linked to the IRS, but everyone just says call there number and deal with them. That would be great if you could get a hold of someone. Spending 2 plus hours on the phone and never getting someone is XXXX. I have complained to the XXXX, the veterans department, FTC and the IRS with no luck. Everyone gives you there number, I got there number. This is my advice to anyone using Direct Express, get a regular bank account so you can be able to contact a person when there is a problem cause Direct express will have you on hold and you will just never get your money.Direct Express has many similar complaints, I want to see this company go out of business, so the sorry workers will be out of work and see how they like not getting money. This is another government agency that is totally flawed. There is some " XXXX XXXX '' donuts eating XXXX waiting to collect a pension not serving people because they are lazy and think they have power. {$220.00} isn't anything, but its mine. I plan to claim a loss on my taxes for {$220.00} as a way to get my money back, that's how I deal with the government. I am a business man and I would be out of business if I ran it like the government runs there programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: JPMORGAN CHASE & CO.
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a new XXXX XXXX in XXXX of XXXX. I obtained a loan from XXXX XXXX XXXX/JP Morgan Chase Bank to purchased the car. In XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX repurchased the car from me through the assistance of the Washington Attorney General. My XXXX XXXX XXXX representative was XXXX XXXX, Senior Customer Service Representative. Her telephone number is ( XXXX ) XXXX-XXXX. 

On XX/XX/XXXX, XXXX and I executed the documents necessary to transfer the car/title/etc. from me back to XXXX of XXXX. They issued me a check for my portion of the proceeds of the sale. XXXX of XXXX immediately sent a check for the full balance of the Chase Loan ( over {$36000.00} ). The XXXX certified mail tracking number was XXXX. 

On XX/XX/XXXX, the XXXX certified-mailed check was received and signed for by XXXX XXXX/Chase. They promptly lost the check and did not post the funds to my loan account. 

I next called and talked to a supervisor and mounted an escalation. I waited 10 days for the escalation to run its course. When I finally called on XX/XX/XXXX, the XXXX XXXX/Chase supervisor told me that a letter had been generated to me indicating my loan was paid in full, despite the fact that the automated and online systems were indicating the loan was now past due. 

Later that day a XXXX XXXX/Chase supervisor called me back to tell me that the payoff letter was generated in error, the loan was not paid off, the loan was past due, and they needed proof of funds from the check. I explained I never had the check and therefore could not provide the information they were requesting. 

So now the check is still lost, I have a letter from XXXX XXXX/Chase telling me my loan is paid off, XXXX XXXX/Chase has indicated the letter is an error. Nobody can explain how a payoff letter was ever generated in the first letter if payment for the car had not yet been received. And, I've already signed over my car and title. 

XXXX XXXX XXXX XXXX XXXX paid XXXX XXXX/Chase for my car. XXXX XXXX/Chase promptly lost the payment. XXXX XXXX/Chase then issued me a paid in full letter in error. Now XXXX XXXX/Chase is demanding I provide them proof of funds when I never had the check. The check is lost. The car is gone. And I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Credits, Incorporated
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit Inc of XXXX, OR claims they sent one letter for a {$100.00} medical collection, I never received any communication from them regarding this debt, when I called I was advised she is sorry I didn't get the letter but I could pay the debt and it would still remain on my credit as a paid collection. It is completely unfair that a company can ruin someones credit over {$100.00} medical bill with no proof they sent you a letter. I have good credit and would never jeopardize my credit over a small medical bill. I also intend to pursue them in court if this is not removed. There company reviews online seem to have people saying the same thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
NOTICE TO PRINCIPLE IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern I recently received a copy of my consumer report ( Experian, XXXX, XXXX ) and I noticed that it is reporting my experience with your company. 



The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. 





Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( I ) EXCLUSION Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) - subject to section 1681s-3 of this title, any - ( i ) reports containing information solely as to transaction or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES Transactions or experiences between the consumer and the person ( creditor name ) making reports is not to be included on my consumer report!

Utilization is an experience with the lone of credit that was extended between me, the consumer and the person ( creditor name ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC1681a 2Ai by reporting this transaction or experience ( utilization ) on consumer reports which congress clearly states IS NOT included on my CONSUMER REPORTS You have 10 calendar days to update my utilization score to 5 % or below and or delete all utilization from the below accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to respond satisfactory with deletion of the above utilization score, will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of character Negligent noncompliance Civil liability Mental anguish Fair credit reporting act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance 15 USC1681n

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 2022-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital one denied my 2 claims within hours of being filed and without investigating at all their excuse being they can't dispute money transfers but my claims were not for money transfers they were debit card purchases with the same merchant My bank statements clearly proves that they were debit card purchases, and that two of the transactions were charged at the same exact time being XXXX and one wasn't charged til the next day at XXXX even though it was made with the other ones. 

I submitted plenty of documents to support my claims and to prove that I've tried getting the merchant to help me, I've also had this issue with this merchant a few times before along with many successful t transactions but the times I did need to file a dispute they were all found in my favor and weren't even contested by the merchant. 

To make things worse I had been told by two agents I'd be receiving the credits for the claims within 24 hours so I made other arrangements based on that information and after not receiving the credits I called and it took speaking to 5 agents to finally be told they denied the claims before they even started the investigations and said

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've tried to settle this matter several times before to no avail.

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 2023-12-09
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
XXXX Complaint was put in and no response from Navy Federal Credit Union they has taken negative action without responding to the consumer complaints which is another violation. Company keeps changing names on responding to XXXX XXXX, when no such person exists. They are operating deceptively and causing injury. SEE COPYRIGHT this has been a XXXX sided relationship. I have received no benefit for the use of my name and information which is fraud. 

I asked that all following communications as required ( mandatory ) pursuant to 18 U.S. Code 1342- Fictitious name or address, as in my ( proper person name ) that identify me as a ( proper noun ) i.e. as a ( natural person ), and NOT a Fictitious entity. WARNING : 18 U.S. Code MAIL FRAUD!!! 18 U.S. Code 1342- Fictitious name or address Whoever, for the purpose of conducting, promoting or carrying on by means of the Postal Service, any scheme or device mentioned in section XXXX of this title or any other unlawful business, uses or assumes, or requests to be addressed by, any fictitious, false, or assumed title, name, or address or name other than his own proper name, or takes or receives from any post office or authorized depository of mail matter, any letter, postal card,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Lloyd & McDaniel, PLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have been making regular payments on 3 accounts that I have with Lloyd and McDaniel.  I have never missed a payment and I have kept all my confirmation numbers that I get each time that I make a payment.  However, last month Lloyd and McDaniel claimed that I had skipped a payment of $XXXX.  In doing so and without notice they levied our bank account and emptied it.  They took $XXXX.  Also our bank charged us $XXXX for them doing this.  I contacted Lloyd and McDaniel and was told I had missed a payment.  However, I was able to give them the confirmation number to the account they claimed that I missed.  Once I did so they realized and admitted that it was their mistake.  Somehow their payment system posted my payment to one of the other accounts even though I had put the correct account number in there.  They said they would make it right and would have the funds released and would also pay for the fee the bank charged.  I was told to expect the payment in a week.  When that week came and went I called a week later and got the same story.  So once again I contacted them and was told that if I hadn't received our money by this past Wednesday the 14th to call them.  Our bank account was emptied and as of today Lloyd and McDaniel has still not corrected their admitted mistake.  We cannot afford and attorney but I have been trying to find someone to help us.  It has now been 3 weeks and they have still not returned our money to us.  Please help us somehow!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In mid XXXX, I referred a friend to get a XXXX XXXX card for the {$100.00} promotion. They were approved for the card, and I received an email about getting the {$100.00} promotion on my next Chase bill. When XXXX passed with no promotion added to my rewards balance or credit added to my account, I called in. At that time, I was told the reward would take up to 8 weeks to complete. That would put me in mid XXXX. On XX/XX/XXXX, I called back into Chase, and it was stated a ticket needed to be created for an escalation. Today XXXX XX/XX/XXXX ) I called back in and was told there is no update, and new case would need to be created. That case would take a week or more to complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: FL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: WI
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 account # 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 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Around the end of XX/XX/2019, After the first representative called me, I explained my situation and how I became a dislocated worker. He mentioned that I had a perfect payment history before this situation so he called he was calling to see how he can help. After hearing my story, he agreed that there wasn't anything he can do to help me and I told him that once I get my finances back in order I will continue my payments. I also mentioned to him that I only really get enough to pay rent and not enough to pay my minimums. He said he understood and I told him that I will get it together once I get a job and i also mentioned that I do not wish to be contacted again because it's nothing that they can actually do to help me. He said he understands and that was the end of the call. So about two weeks later, I started to receive more calls so after I became annoyed by the constant calling, I asked another one of the calls and told the agent that I already spoke to a woman and explained to her that I already spoke to an agent about it and i did not want to be contacted again it. So after a few more harrassment, I answered and told the man to not contact me again and the this was harrassment. He assured me that they would not contact me again. So after a few weeks went past, I started receiving about 5 calls a day so I eventually blocked the number, so they started calling me from different numbers which I all blocked. They even started calling me on Sunday and Saturdays, which I know its against the law to harass  someone on sundays. All of this is making me never want to do business with this company ever again and I will be closing this account down soon and never doing business with Chase again. I can provide phone records from my cellphone provider is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: MS
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account # XXXX Account name : XXXX, XXXX Account # : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation