BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My XXXX  XXXX passed away XX/XX/XXXX. I, his XXXX am the beneficiary on the account. I visited Chase mid XX/XX/XXXX to notify them of my XXXX passing. I was turned away and told i needed an appointment. I scheduled, and met with a personal banker and filled out some paperwork. The banker said she would submit the documents ( dont know where ) and i needed to wait until XXXX XXXX debited my husbands pension from the account in order for Chase to release funds. I called XXXX  and notified them of my husband passing on XX/XX/XXXX. I called Chase to check on the status of VA pension debit on XX/XX/XXXX, i was told i didnt need to wait, that Chase XXXX leave sufficient funds in the account to cover the pension and they could give me the rest of the funds. I visited Chase branch on XXXX XXXX and they gave me an appointment for XX/XX/XXXX. I met with branch XXXX XXXX XXXX who filled out another document and told me i needed to wait because the document needed to be approved. NOW why? after a month, am I getting this option and not when i originally visited the branch in XXXX? Are they worried about loosing deposits? The branch XXXX had no problem asking if I was opening an account and keeping funds there. Is it because they know Im of old age and its difficult for me to keep up with the run around and think Ill stop? Isnt this considered senior abuse? What was done with the original documents i signed with the personal banker? Such a big bank, and poor customer service. Its like a XXXX XXXX you need to take care of your finances or have questions? It better not be an emergency, you know why? You dont have an appointment, you need to wait!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I suffered from identity theft after the XXXX  credit breach. My capital one credit card was used for fraud. I told the bank this and received no response for 18 months after 3 attempts to contact them. I then contacted a different department and agreed to pay off the debt, despite not being mine, if they would show the card as closed but Paid in full '' to which they agreed. They've not updated the information on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Immediate Credit Recovery
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loan went into default with ICR. I have called several times to set up repayment plans. They are taking 15 % of my pay and are telling me that they will ocntine to do so and then will charge me an additional monthly charge that they get to decide. They take {$500.00} a month. I am unable to maintain that payment let alone another one from them. They told me to go out and get a loan to pay it off, but i can't because i am in default from them. They hang up and never respond back and are unwilling to help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
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:
I am writing because I do not recognize certain item on my credit report. The account is listed below. I have never done business with this company, and dont understand how I would owe money or have anything that would appear on my credit report from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: AmeriCash Holding LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Good Evening! 
I took out a payday loan with Americash Loans about 4 years ago. The loan was for {$500.00}! Now my wages are being garnished for {$3000.00}!! This is insane and not heard of. I had 2 other loans that I fell behind on and they stopped the interest and let me pay. I am just disgusted and cant believe they are able to do this! Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Total Card, Inc.
State: ME
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:
I submitted a request for verification to XXXX XXXX XXXX , XXXX 0n XX/XX/2020 in regards to a XXXX XXXX XXXX  account. I received a letter saying the debt was returned to the original creditor. Thus, I contacted Total Card, Inc. on XX/XX/2020 and received a letter stating that they sold the account to XXXX XXXX XXXX. There is no way to settle this debt and I would like it removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Navy fed has me in a pandemic program but the mortgage department still has me in foreclosure inwhic I can't get my check for my insurance claim. Navy will not give me my money back for a fraudulent check inwhich 4 people in the branch have said the signature is not mine and brity on the phone has also said it was not mine. The check was written to XXXX XXXX and they have said the signature in to mine and I have never written a check to myself only for deposit to XXXX XXXX never my so and I gave Navy fed a copy of all checks I have written but they are still saying I wrote them and cashed them in MN well MN is XXXX XXXX processing center not a back and showed them proff that in was in SC on that date. XXXX XXXX wants to give me the money back but that will over draw me so I said no. They may have to give e it back to Mr to investigate. Navy fed sold my Rental property before they told me that the denied my lost mitigation. They said my XXXX a month was not enough to pay my 400 monthly payment even know I had XXXX in the bank I which I was told that was to be considered. I asked XXXX and XXXX asked how much to pay to catch up but was never told. I was told by lawyer don't worry I have ten days to appeal and the paper did also but when I did I was told what are you appealing we already sold your property. Ok law said I had ten days and their paper work said the same but nothing. They stopped my lost medagation twice because they said it was empty but no one ever went out to check and I was told by XXXX a Manger of lost medagation that is how the check. The second time I told them over the phone and sent a letter. I could not do I quick sell or file bankruptcy because there was no time after the answer because again it was sold on XX/XX/XXXX and I got the letter XX/XX/XXXX and XXXX sent them proff of when I got the letter and again no on did anything. XXXX told a lot of things were done wrong and she would start an Investigation and one person called and nothing. I kept calling XXXX back and never got her again she was in a meeting at lunch and not in so I started calling her boss and got the same thing so I just gave up. Lost medagation screwed me twice the house is empty and don't have enough mountly in come even though I have XXXX in my account which was enough to get me present but no one would till me how much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have sent numerous dispute letters to Transunion on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

I've requested for a Bankruptcy account reporting to my credit profile to be removed due to it being inaccurate and invalid. Transunion has yet to provide me proof of verification of account and continues to report this Bankruptcy account which has hindered me from acquiring credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Experian Information Solutions Inc.
State: KY
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:
Mailed letter to : XX/XX/XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX Experian XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian Charge off of Car. 
Account was not charged off- car was wrecked and amount was paid by insurance. 
I reached out to XXXX XXXX and have a letter with the information that was sent to the credit bureaus. Dated XX/XX/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 2019-09-24
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Hello, In XXXX of XXXX I wanted to trade my XXXX XXXX in for a XXXX. I wanted the same exact car, with the same upgrades re XXXX XXXX, XXXX XXXX, XXXX XXXX etc. When I called to begin the process I was told that my sales guy, XXXX XXXX, had had a XXXX and that he was unavailable. They promised to " take care of me. '' They did not. I went to the XXXX XXXX, CA dealership where I had purchased my XXXX XXXX from XXXX and they introduced me to my sales person, I had spoken with him on the phone prior to arriving and I told him what I wanted and he said they had it - " same color, same upgrades, everything. '' Since I had such a great experience with XXXX, I trusted this guy. We did the paperwork, and I left with the car. On my drive home to XXXX XXXX I felt that the leather was not the same as in my XXXX - the XXXX XXXX. Long story short, the next morning I researched the vehicle through my friend XXXX XXXX, who was the XXXX at XXXX XXXX XXXX, and he called his friend at BMW and the BMW representative told him that they sold me a base model. They totally lied to me and did not give me the car I requested. I immediately called them and told them I wanted to return the car and get what I wanted. They flat refused. I tried for a few days to get them to work with me and they would not. I was crushed and thought I had exhausted all my resources and so I went and voluntarily repossessed the car. It has been on my credit ever since and has caused me major issues i getting credit, buying property, and more. I only just this morning learned of cfpb from my sister, hence my filing this report six years later. I also plan to pursue legal action, as I understand I have rights in this type of situation from a legal perspective, as well. I have tried many times since XXXX to get BMW to remove it from my credit, but they flat refuse to do that either. BMW and BMW Financial took advantage of me and sold me somehting I did not want or ask for, but was told it was what I wanted when it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A number of accounts that don't belong to me are been posted in my credit, that is when I learn that my identity has been stolen, upon reading about identity theft it says that I had to report this incident with the FTC and fill out a report with the items in question. further more according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent, unverified accounts must be removed. 
Please send me that information or remove these accounts from my credit, the law is very clear about this. 
Thank you.

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 2019-09-24
Company: General Motors Financial Company, Inc.
State: GA
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:
On XX/XX/2019 I went to XXXX ( XXXX XXXX XXXX ) with an already approved loan from my current credit card company XXXX XXXX '. I was willing and ready to use my XXXX XXXX auto loan without hesitation. 

My salesman apparently ran my credit with MULTIPLE lenders WITHOUT my permission or knowledge on doing so. Not to mention, I have a XXXX XXXX ' on my XXXX which should have prevented anyone from gaining access to my credit account without my approval. It wasnt until I checked my report 30days later and seen such transactions. 

I did not authorize all of these auto lenders to run my credit as I have been diligently working to build my credit and with all of these hard inquiries it has brought my credit score down. I have made attempts to contact XXXX XXXX regarding this issue but was informed there is nothing they could do, that I would need to dispute these transactions with the lenders.

I would NEVER have authorized all of these hard inquiries when I was already approved for an autoloan.

*I tried to upload my XXXX XXXX XXXX XXXX  approved loan but since I purchased the car, I no longer have access to such document*

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Firstmark, the servicer of my student loan, is showing my balance about {$5000.00} over what it should be. I have contacted them numerous times both via email and telephone regarding this. On the telephone I keep getting told that this will be corrected. Over email I keep being told they need 5 business days. The have arbitrarily and erroneously decided to add money to my balance and refuse to fix it. This is also a zero interest payment so when they do decide to stop breaking the law, they need to make sure that my payments have been applied properly. My credit score went down because of this added debt. This is absolutely ludicrous and I need this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Santander Consumer USA Holdings Inc.
State: VA
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: Investigation took more than 30 days

Complaint:
Despite multiple requests, the unverified item with Santander, inaccurate late payments status, still remains on my credit report in violation of Federal Law. I have contacted Santander via mail and have returned undelivered mail with inaccurate address on file, and via phone Santander has told me I never had account with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: JPMORGAN CHASE & CO.
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I informed Chase of several fraudulent charges on my credit card via phone. Shortly thereafter on XX/XX/XXXX, I received a notice in the mail saying I " benefited from these transactions, '' which is impossible. The below charges are fraudulent, as I have now reported once through the company. 

Post Date Description Category Type Amount XX/XX/XXXX XXXX Shopping Sale XXXX XX/XX/XXXX XXXX Groceries Sale XXXX XX/XX/XXXX XXXX * XXXX XXXX Shopping Sale XXXX XX/XX/XXXX XXXX Shopping Sale XXXX XX/XX/XXXX XXXX Shopping Sale XXXX XX/XX/XXXX XXXX XXXX XXXX Food & Drink Sale -XXXX XX/XX/XXXX XXXX XXXX Groceries Sale XXXX XX/XX/XXXX XXXX XXXX XXXX Food & Drink Sale XXXX XX/XX/XXXX XXXX XXXX Groceries Sale XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Home Sale -XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Home Sale XXXX XX/XX/XXXX XXXX XXXX Groceries Sale XXXX XX/XX/XXXX XXXX XXXX XXXX Food & Drink Sale XXXX XX/XX/XXXX XXXX Shopping Sale XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have several medical collections due to my sons XXXX presently and before during the time of his birth. There are only a few that are not connected to my XXXX year old son. My question is this : When a person has medical collections, is it proper to have them placed negatively on your credit bureau account? Ive been told by several people that my medical that should not be placed on my personal credit account. I will be making more attempts now to pay off my medical collections, but at the same time I dont feel it should damage my credit score. Can you clarify that for me please? Thank you very much.

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 2019-09-24
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Contacted Comenity regarding an application status. Spoke to a representative that was very rude. As a current Comenity/XXXX  cardholder, this is very disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have my credit frozen with Transunion, XXXX, & XXXX  to protect myself against identity theft because my info was breached in the XXXX   breach and the fed government info breach several years ago. I went to thaw my credit with all 3 credit bureaus via their respective websites and only XXXX  asked me for the unique PIN to thaw my credit. Both XXXX  & Transunion did not ask me for my PIN and did not ask me any out of wallet questions beyond my SSN, address, & DOB before letting me thaw my credit with their bureau. This is distressing to me because any of that info would have been included in their data breaches and the PIN is supposed to protect me even though my other personal info is out there. I asked XXXX  about why I wasn't asked for my PIN and they said it is company policy to no longer require the PIN to thaw consumer 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 explanation
Consumer complaint received 2020-05-02
Company: Netspend Corporation
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have recently purchased a Netspend prepaid debit card from the local XXXX XXXX. Upon purchase, I deposited an amount of in the card and got a receipt with amount deposited and that is activated. The card clearly states on the back that it needs activation using SSN and some other unstated form of ID for non-resident customers. Since they did not mention that what alternative form of ID can be, I assumed my passport and US working Visa will do. When I came to activate it, I spent 2 whole days trying to solve the issue of activating the card since the online activation system wasnt accepting the form of ID that I have and wasnt giving me any alternative. Not the company itself, nor XXXX, nor VISA nor the bank linked to the card answered my calls or guided me to what I am supposed to do to either activate or get my money back which I deposited in a local XXXX. After all this, I have no other choice but to consider that I have been scammed by the company and all the responsible parties who received the payment and claim there is no way I can use the card nor get a refund. Please assist me on what I can do to report this case.

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