BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is about Chase Bank branch located at XXXX XXXX XXXX XXXX XXXX CA. 
My wife XXXX XXXX went into this branch to deposit a {$700.00} Check she placed her debit card in the reader and handed the check that she had previous signed to the teller for deposit. She asked the teller if she needed anything else the teller said no you can go, she did not get a receipt.. The money never appeared in her account. My wife filed a report with the XXXX XXXX Sheriffs department. Case number XXXX the detective on the case first name is XXXX at the XXXX Sheriffs station her number is XXXX XXXX XXXX branch manager had my wife and I come in today to look at Screen shots of my wife at the teller station on XX/XX/2018 at XXXX to XXXX XXXX It appears she cashed the check which she did NOT. When you look closely at the screen shots it is very obvious they have been Photo Shopped The manager would not give my wife or I the pictures, and was going to delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I never received the final damage assessment bill from Kia Motor Finance ( KMF ) for my returned lease on a XXXX Kia XXXX -- the damage was assessed in XX/XX/XXXX. I never received the bill, despite KMF having the correct phone number, email address, and mailing address on file for a second vehicle I leased from KMF in XX/XX/XXXX ( note : the same phone number and email address were also on file for my XXXX lease ). Since I was never notified of or received the damage assessment bill, I had no ability to pay the bill - causing me to go delinquent on the {$330.00} amount. 

In XX/XX/XXXX, I noticed my credit score had dropped 50+ points. After some digging, I finally discovered the delinquent KMF bill and paid it off right away via the KMF phone line. I believe the delinquency on the bill is KMF / the Kia dealership 's fault and should not be reflected on my credit report. 

I've disputed this issue directly with KMF via mail twice ( XX/XX/XXXX & XX/XX/XXXX ), since they do not have a phone or email to help resolve customer credit disputes. Both times, I received a letter in response stating my dispute is invalid and that " the disputed information is accurate as reported ''. 

I've also attached a document that goes into more detail on the situation and also includes : both credit disputes I mailed to KMF and screenshots of my contact information for the XXXX & XXXX leases.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
It happened while I was assigned in XXXX XXXX Kentucky XX/XX/2014.. They called my workplace which I never authorized them to call. They spoke to my staff and said they need to speak to me. I spoke to the collectors and I was shocked that how could they call my work place and how did they found out my number. They began talking to me and I told them I was having marital issues and affected my payments. So the Navy federal deb collector threatened my if I dont pay that they will contact my XXXX   as a result I will get fired from my job and lose my XXXX XXXX XXXX.. They continue calling numerous times and keep harassing me.. As a result I feared for my job daily and affected my work performance.. I was not able to compete for XXXX XXXX.. Navy Federal Credit Union has repeatedly harass me almost weekly that I suffered from emotional distress and fearful for my career and my family..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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:
12 accounts are showing paid, closed. This is inaccurate. I believe this is double reporting as I have an active consolidated account with a balance totaling {$21000.00} the same amount the 12 accounts inaccurately is being reported.

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 2020-01-29
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX WORKS FOR XXXX  WHO BOUGHT THE ACCOUNT FROM XXXX XXXX. THEY ARE KNOWINGLY AND FALSELY REPORTING INCORRECT ACCOUNT INFORMATION TO THE 3 MAJOR CREDIT BUREAUS XXXX, XXXX XXXX AND EQUIFAX. XXXX  XXXX REPORTED THE ACCOUNT WAS OPENED ON XXXX, XXXX XXXX  XXXX IS REPORTING THE ACCOUNT WAS CLOSED ON XX/XX/XXXX. XXXX REPORTED THE ACCOUNT OPENED ON XXXX XXXX XXXX. THIS IS A COMPLETE LIE AND TOTAL FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Sold property at XXXX XXXX XXXX XXXX # XXXX XXXX AZ on XX/XX/XXXX. We have called the bank 5 times trying to get a refund of our escrow account as of today XX/XX/XXXX still no refund. From BMO bank

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 2020-07-14
Company: EQUIFAX, 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:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Orions Management Group, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Orions management group has been calling me my family members and myself repeatedly since XX/XX/2020. They are also calling my place of employment even after I asked them to stop. They have asked to speak with my supervisor and were very rude to her.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: JPMORGAN CHASE & CO.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was notified of a missed payment that was paid. This was in XXXX of 2016, I explained that I did not think I was behind and made another payment to make sure. Ever since then it has showed a missed payment when they were paid accordingly. My payment status on this loan is perfect and always on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Lake City Credit
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Filed complaint with credit bureaus and they have continued to contact me from different numbers. They have mailed documents but have not provided all documents I have requested from the credit bureaus. They have not provided the proof the debt that was sent is from original creditor. Did they provide legal documentation of having the right to collect the debt nor shown proof they are able to legally practice debt collection in my state. They have not stated if the original creditor sold the debt to them of did they buy the debt from another collection agency. Also the collection Agency has not shown the amount the collection agency claim I owe them match that of the amount from the original creditor at the time of charge of, and to provide the 1099 form from the company, interest amount, closed date, payment history, and has past SOL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Sun Trust will not answer their phones and have not responded to any voice messages. Calls made man times to XXXX XXXX, and XXXX XXXX with NO RESPONSE from either. 
Sun Trust Bank, NA has 72 hours to respond before I file a formal complaint of bank fraud with the Attorney General of the State of South Carolina.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24
Company: FORD MOTOR CREDIT CO.
State: KS
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
At the end of XX/XX/2020 I turned my leased Ford car in at XXXX XXXX XXXX in XXXX KS. I received a confirmation letter that the car was turned in when I turned it in. There is no dispute about the car being turned in or when it was turned in. Ford agrees I turned it in at the end of XX/XX/2020 when the lease was up. 
The issue : I had overpaid on my registration for the vehicle due to paying for registration for one year and turning the car in before the year was up and was due a refund by the state of KS. I went in XX/XX/2020 to get the refund and was told that the car was still registered to me. The car was not taken out of my name until XX/XX/2020 when Ford re-sold the car and the state of KS was not notified of this until XX/XX/2020. Per the state of KS it is now too late for me to get a refund due to Fords negligence and conduct in this situation. I want Ford to pay the amount of the registration refund due to this and I have concerns about a car being in my name for months when I did not own it or have insurance on the vehicle. Ford is not owning up to their conduct issues or agreeing to pay a refund. Please assist and more information and documentation can be provided upon request. It was advised I not put it in here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-05
Company: Experian Information Solutions 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 reviewed my credit reports and see that there is this XXXX XXXX Credit Card AKA XXXX XXXX  Corporation that I did not authorize to open in my name. This account was fraudulently opened in my name. The balance says I owe {$610.00}, which I do not. Please have this fraudulent account removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24
Company: Bull City Financial Solutions, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I formerly had electric service with XXXXXX/XX/XXXXuntil the week of XX/XX/2019. At that time, my lease was up, my landlord needed the rental property back, and I moved out on a very short notice. When I was moving, I contacted XXXX XXXX, I requested a disconnect, and I was told it would be turned off within 24-48 hours and a final meter would be read, and if the amount was more than my deposit I would have a final bill. I notified the landlord, and he told me he would call XXXXXX/XX/XXXXbecause he had family members moving into the home the same weekend. Skip forward two years, and I get hit with a debt collection for {$1900.00}. I contacted the debt collector, Bullcity financial, and contacted XXXX XXXX. Both businesses pushed it off onto each other. Per Bullcity, I needed to file an identity theft report, and a police report, so I did. I submitted proof of this, along with my ID, proof of residence, proof of not living in that home, proof of my new lease and bills with my new address, etc. Come to find out, XXXX XXXX did not disconnect power in my name, and somehow left in on for 3 months with no payments. The new tenants used the electric in my name, knew they were not paying an electric bill, and wracked up a bill that I received no notice about. I have contacted XXXX XXXX at least 10 times, spoken with supervisors, with their fraud dept, etc. I have been told that I have to submit proof that I called them two years ago. Which is nonsense. I do not have the same phone number, I can not access phone records from two years ago, and even without being able to prove when I called them for disconnect, they can easily prove when I left the home, when someone else moved in, etc.The landlord also spoke with XXXX XXXX when the new tenant needed service in their name, and had to verify when they moved in due to the outstanding bill at that address, and they still never put the charges on the new tenant. They will not remove this from my credit, and it is affecting my ability to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I settled the debt with this company because they promised they would remove it from my credit i did not owe {$440.00} to XXXX XXXX  XXXX and i explained that over and over again yet it is still on my credit they forced me to pay a debt i never owed with lies and promises

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 2023-05-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I told the Experian, XXXX, and XXXX to reinvestigate these accounts. Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. 

For Collection/Charge off 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 XXXXXXXX

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 2023-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
The credit bureau never did a proper investigation according to the FCRA. NONE OF THIS Accurate.. 

CAPITAL ONE XXXX XXXX XXXX XXXX CAPITAL ONE BANK USA N A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: AL
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 for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report.

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 2018-03-13
Company: HUNTINGTON NATIONAL BANK, THE
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had an account through XXXX XXXX for a XXXX XXXX XXXX. The loan was in my ex-husbands and my name. We went through a divorce in the fall of XX/XX/XXXX. The bank account the payment came out of was closed. The loan was bought by Huntington national bank-account number XXXX.Called and gave Huntington the new bank account with my name only and told them of the divorce and that I was awarded the XXXX XXXX  and would continue the payments no problem. Fast forward, I traded the XXXX in for a new vehicle the first of XX/XX/XXXX the payment comes out automatically the XXXX of every month. I called Huntington on XX/XX/XXXX and told them vehicle had been traded in to cancel the payment was told situation was taken care of. XX/XX/XXXX the {$470.00} payment was taken out of my bank account. Called XX/XX/XXXX and was told they was sorry and a check would be issued to me personally and gave my current address as the mailing address for said check, and that it would be within 2 weeks ( Ref # XXXX ). XX/XX/XXXX called again since check had not been received and was told that a check had been issued the day prior and would arrive within 5-7 days at my current mailing address. As of XX/XX/XXXX still no check, call once again and am told that the check was sent out to my ex-husband and that the check could not be canceled or reissued and the money could not be put back into my bank account from which it has been drafted the last 3 years and that there was nothing they or myself could do to change it or get MY hard earned money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am a XXXX XXXX XXXX and opened a Checking Account with Chase XXXX XXXX. My personal Checking Account is with XXXX XXXX. On approximately XX/XX/2020, I used the Chase Bank Online Banking System to apply to have my XXXX XXXX Checking Account approved for External Transfer. I was subsequently notified of the approval. On XX/XX/2020 I attempted to transfer funds in the amount of {$2500.00} from Chase Bank to XXXX XXXX on the Chase Bank Online Banking System. I received a message on the Online Banking System that they needed to verify my identity with a code. After several attempts to obtain the code online, I called Chase XXXX XXXX Customer Support. The customer service agent provided me with a code to verify my identity ; however there was no place on the Chase Online System to enter it. The customer service agent told me that she was able to verify my identity and I thought it was solved. I received email messages from Chase Bank that my transfer attempts were rejected. On Friday XX/XX/2020, I visited the Chase Branch on XXXX XXXX in XXXX, WA. I met with a Banker who confirmed for me that the transaction was blocked by the fraud detection department at Chase. He called customer service with me sitting in front of him and verified my identity multiple ways. I heard him tell the customer service representative what had happened and heard the banker instruct the customer service representative to initiate a real time transfer of funds in the amount of {$2500.00} to my XXXX XXXX Checking Account. At approximately XXXX on Friday XX/XX/2020 I checked both of my bank accounts and noticed that the funds had not been debited by Chase and had not been received by XXXX XXXX XXXX I called Chase Bank Customer Service at that time, explained what was happening, and he told me that my attempted transfer was blocked by fraud detection and transferred me to the fraud detection department. A representative from Chase Bank Fraud Detection Department again verified my identity and assured me that the funds would be in my account by Monday, XX/XX/2020. To be clear, that is 6 days following my initial attempt to transfer funds. 

As of XX/XX/2020 the funds have now been withdrawn from my Chase Account ; however not deposited in my XXXX XXXX Account. I called customer service and both times they advised that the transaction was blocked by fraud detection. When I asked to speak with a supervisor/manager on both occasions - the representative terminated the call. I called the Chase Bank Branch that I visited on XX/XX/2020 at approximately XXXX, requesting to speak with the branch manager. I was told he was not available and would call me. I haven't heard from him. I know that my XXXX is small and this is not a large transaction, nor does my XXXX  add much to the bank 's revenue. I am beyond frustrated at this point and would certainly appreciate any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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  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