BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
{$5700.00} of money my son sent to me, that we have proof/receipts of, were not credited to my checking account and Chase Bank says that there's nothing they can do about that. After I completed an analysis of my account on XXXX XXXX, XXXX for ( XXXX ), I discovered the following : 1 ) my account showed each transaction in/out until XX/XX/XXXX, 2 ) XX/XX/XXXX 1st missing direct payment 3 ) the end of XXXX XXXX a new pattern of 2-week delay was discovered, 4 ) XX/XX/XXXX shows another delay AND 5 ) Improper merging of transactions by Chase Bank, 6 ) XXXX XXXX shows another improper merger of funds from two different people, 7 ) XXXX XXXX {$1000.00} was never recorded coming out or going in and 8 ) the MAJORITY of discrepancies appear to have occurred around the last quarter of XXXX. 

XXXX XXXX I notified chase via secure mssg and on XXXX XXXX, XXXX, I received their reply which directed me to call the number on the back of my card ( which I'd already did ... NINE TIMES! Mon. XXXX XXXX, XXXX spoke to approx. XXXX representatives ; the first 3-4 were helpful ( XXXX, XXXX, and XXXX more ). Chase discovered ALL my transactions were NOT showing up on my desktop, they corrected that problem. Chase could see transactions that I could not until I downloaded my bank statements. Initially Chase could not see the specific missing monies, but gave me credit for a few in XX/XX/XXXX. 

I downloaded XXXX XXXX & XXXX XXXX & analyzed them to see if I could resolve the discrepancies, I could not. Chase told me to complete a listing all missing monies & call Retail Claims back at XXXX Option # 2 and report ALL missing moniesthis is when Chase changed their story After I completed the analysis of XXXX, I called back several times and reached the following five CSR 's XXXX XXXX, her supervisor XXXX, XXXX, XXXX and XXXX & her supervisor sent her an internal communication to tell me, Theres nothing Chase can do for me ''. All stated that because they can not see the missing money, they cant help meperiod the end. 

These all are payments from my son to me. XXXX XXXX has provided electronic receipts with dates, times, transaction numbers and amounts reflecting the money was sent to my Chase checking. I don't think Chase should refuse to look into this very serious matter because if I can provide proof that money belongs in my account and they decide to accept some and deny others, this bank, their policies and staff needs to be scrutinized/EXAMINED. Where is the voice of protection, support, advocacy for the small financial customer? I need the money that my son sent to me totaling {$5700.00} to be credited to my checking account. It's not right that Chase turn a blind-eye to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 fourth 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 XXXXXXXX Balance : {$35000.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$35000.00} XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2022 I mailed a cease and desist communication of an alleged debt to Santander Consumer certified mail. Santander Consumer received my cease and desist letter on XX/XX/2022. Santander consumer is still communicating this debt indirectly through the credit reporting agencies. 15 USC 1692a ( 2 ) The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. Credit reporting agencies are the medium that Santander Consumer is still communicating this debt indirectly too. 15 USC 1692c ( c ) Ceasing Communication, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
I have documentary evidence from Santander Consumer willfully acknowledging receipt of my request, yet Santander Consumer is still willfully and knowingly communicating to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am submitting a complaint on Navient/Sallie Mae loan servicing due to several reasons. My original loan amount after consolidation from XXXX as reflected on their website was {$22000.00}. My current balance today, XX/XX/XXXX is {$98000.00}. I have called them numerous occasions to understand how my balance increased that much during a chapter XXXX bankruptcy period in which I was not aware of interest accrual and never received any correspondence of that fact. Prior to the chapter XXXX bk filling my loan was either in a default or forbearance status as I could not afford to pay the loan and the only options communicated to me was forbearance. My husband was XXXX in the military from XX/XX/XXXX-XX/XX/XXXX and I am not certain if during this timeframe there should have been some form of reprieve from interest accrual. The bankruptcy was filed after his return from the military XX/XX/XXXX due to financial hardship and his eventual unemployment. Every time I've called Navient to discuss repayment options that I can afford, they have been unable to offer an agreed upon amount that I can afford outside of a brief period in which I was paying {$69.00} for a 12 month timeframe after I sent a written note explaining my situation. Since that time I have been unable to obtain assistance in lowering the amount and due to the interest accrual don't see any reprieve or other alternatives outside of defaulting. While I did apply for income sensitive repayment plan, the calculations are based on your IRS tax returns which is misleading due to my husband 's XXXX XXXX. His income fluctuates and I am responsible for taking care of my family and paying household expenses. There is no way I can do that and pay the huge amounts they are asking me to pay on the current income sensitive repayment plan of {$930.00} for 12 months and {$1000.00} for 141 months thereafter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: FL
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:
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 XXXXXXXX Account Number:XXXX Account Name : XXXXXXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to you to block the following listed items from my report immediately which are not authorized by me. I became a victim of IDENTITY THEFT a couple of years ago. I have noticed that many items appeared in my report which was never opened by me. You are reporting Inaccurate, incomplete, or unverifiable accounts. I have been fighting to have these accounts removed from my credit report for some time now and it's very nerve racking because I'm not getting any help.

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 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
There is an fraudulent car loan on my credit report I sent the credit bureaus the information they needed from me & still no progress please help me with this matter

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 2023-09-28
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am 7 days late on my car payment. This company has called me over 9 times in the last 7 days. 6 of those calls were yesterday. I spoke with the company on Monday when I was only 4 days past due and they had already called repeatedly and explained that there was an issue with my check and that I would make the payment by the middle of next week at the latest. The very next day I was called again twice. Yesterday I was called 6 times in one day. I told the rep that called me the last time that day that what they are doing is debt harassment and that they are not to call me for at least 7 days after I had spoken to them on Monday. I also told him that I do not want to be called between the hours of XXXX XXXX XXXX Monday through Friday as I am at work during those times. I was called again this morning at XXXX after expressly telling them not to do so. If this harassment continues I will be forced to take legal action.

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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove this fraudulent account from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to REMOVE any account listed in Identity Theft. Once again HERE IS THE ACCOUNT THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$0.00}.

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 2022-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed a secured credit card account with Capital One in XX/XX/2021 after they restricted the account from use. The secured account had a deposit of {$870.00} Capital One refuses to give back. They are asking for documents from the bank I was paying from that I have already provided numerous times. They continued to take payments from that very account while it was restricted yet won't pay back my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$820.00} XXXX  XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am submitting this complaint because student loan keeps reappearing on my credit report. This reoccurrence has been going on since 2018. I have submitted numerous police reports, FTC reports, affidavits over these 5years and these accounts keep being allowed to be reappear. If the bureau look into my account, these accounts are removed and blocked and then reasserted under a different name, but same department of education umbrella every few months. 

I do not now, nor have I ever had any financial obligation to these loans. The department of education have also sent in letters to each bureau, confirming these accounts to not belong to me. There is no legal proof of validation, just continuous reassertion for years. 

These accounts are now hindering me from pursuing future financial business and personal venture as it appears I'm heavily in debt when I am not! please remove and block the department of educationXXXX XXXX XXXX XXXX XXXX For the % th time i will attached a 5th police report/ftc/identifers

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 2023-04-14
Company: United Shore Financial Services, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted an application with United Wholesale Mortgage for a loan assumption resulting from a divorce in XXXX. They received it XX/XX/XXXX. Their paperwork said the process should take 45 days. After almost two months of hearing nothing, I began calling. I also emailed the assumptions department, and never heard a response. Their loan assumption department is not directly reachable by phone, even by their customer service representatives. I was told I would receive a call back from the assumptions department with two or so business days around 6 times. I never did. In XXXX, I finally received a packet from the department, requesting more documents, signing of new disclosures, checking a box or two I had missed on the initial application. Many of the documents, such as w-2s, were repeats from XXXX but they had expired due to how long it had taken. I sent that back on XX/XX/XXXX. Again, I have heard nothing. Again, I have called countless times. After many such calls, a manager emailed the assumptions department and got a response on XX/XX/XXXX saying they needed some original documents I had not sent in. This doesn't make sense given the documents requested. They had no more specific information and said the assumptions department would call me in order to tell me what needed to be provided. I have not received any communication. I have a low interest rate so assume that they would prefer not to push this forward. I have a divorce decree that I will soon be in violation of because this process has taken significantly longer than the company said it would.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: ALLY FINANCIAL INC.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
There were two international wire transfers sent to Ally Bank from XXXX XXXX in XXXX. The transfers were sent with an intermediary bank, XXXX XXXX XXXX on XX/XX/XXXX. The first transfer is for the amount of {$8700.00} and the second transfer is for the amount of {$7600.00}. These transfers are income tax returns for mine and my wife 's two years of employment in XXXX. XXXXXXXX XXXX confirmed that it was received by XXXX XXXX XXXX. However, Ally Bank had not received the transfers and the money was never deposited into our accounts. Ally Bank has stated that they have no record of any transfer with those amounts. The sender, XXXX XXXX XXXX XXXX, sent these funds and has sent a wire trace which confirmed that XXXX XXXX XXXX has received and sent the money and I requested an inquiry on XX/XX/XXXX to Ally Bank after which they reported on XX/XX/XXXX that they did not receive any money transfer.

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: 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation