BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Tuesday XX/XX/21 I got a check from selling an item. They over paid - I deposited the check and XXXX the difference of the over payment to the person. Then the check bounced back- and the bank said that the account was fraudulent and closed and thats why it came back to me. At this point- they told me nothing they can do about it, since I sent the money. The check was for XXXX $ and they only owed me XXXX XXXX 
So my kindness got taken. And my account got hit. 
Dress was shipped by XXXX : XXXX and will be delivered by XXXX if on time. 
So you already got my money and a dress

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
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: Account status incorrect

Complaint:
On or around the week of XX/XX/XXXX, I received an alert that one of my accounts were closed. XX/XX/XXXX, I called my financial institution, XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX Texas, to inquire. I was told that all my accounts were open. I checked my credit report again, the information stated my credit card account was closed. Again on XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX XXXX, and spoke with XXXX. I informed XXXX my account show closed on my credit report. XXXX stated because I requested the {$2.00} be removed from my credit report, the only way she could remove the {$2.00} was to report my credit card account as closed. I informed XXXX it was illegal to report an open account as closed to the credit bureau. XXXX, asked me what do I want her to do? I informed XXXX she needed to fix and correct the FALSE information she reported. I further told XXXX the information needed to be corrected and updated by the close of business, XX/XX/XXXX. XXXX, advised she would contact the credit bureaus and report the correct information. 

Later on XX/XX/XXXX, XXXX contacted me to inform she contacted the credit bureaus and reported the correct information ; my my credit card account was open, with a XXXX balance. I called XXXX back, and asked the date she reported the account was opened? XXXX, stated XX/XX/XXXX. XXXX, further stated to give 48 hours for the update to take place. Important to note, I also disputed the information with XXXX and XXXX. 

I checked my report on XX/XX/XXXX, on both XXXX and XXXX  my credit account still noted closed. At this time I received results from XXXX stating, " disputed information correct ''. On XX/XX/XXXX, I disputed the information. 

On or around XXXX XXXX, I received a result from XXXX, again stating, " disputed information correct ''. Disputed the information again, however, I attached my bank statements showing my account was not closed. To date, I have not received a response. 

In addition to the above, I also disputed the information with XXXX  ; to date no response. 

As a redult of XXXX XXXX reporting false information my credit score decreased. 
XXXX XXXX needs to be prosecuted for falsely reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: EQUIFAX, INC.
State: TX
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:
ORIGINAL LOAN was through XXXX XXXX XXXX when I was married to my former wife. I left the house to her. I never received any documentation that the home was being foreclosed on nor received any letter about a second mortgage. My account was later closed with XXXX XXXX XXXX, and then XXXX XXXX took over the balance. My credit report still shows owing $ $ for both companies and although they are all labeled as closed, XXXX XXXX keeps adding money on what I supposedly owe. There is no date of last payment and both accounts are 11 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I called Navient the company that has been servicing my student loan to make my Final payment due after basically 20 years .My payment via Debit card was taken by the representative for the balance of {$96.00} I was told i would receive an email and was also given a confirmation # XXXX for my account # XXXX. This was my Final payment Due. I checked my bank account which verified that my payment was taken out. On XX/XX/XXXX approximately I received an email from Navient asking for me to contact them to correct my late payment due. I contacted their customer service ( XXXX ) XXXX XXXX I gave them my information in regards to my previous payment and was again asked to make another payment which I declined I asked for a direct supervisor capable of resolving this issue. I spoke to a woman named XXXX emplyee ID # XXXX who told me that the original employee who took my payment sent this payment to the wrong student loan via the Dept. of Education that I would have to wait 4-6 weeks for them to send me a reimbursement check which i would then have to forward to Navient to finalize the whole deal. I told the supervisor that I expected that there would be no issue with my credit which to this point after 20 years has never had a problem. Fast forward to multiple emails from Navient when my " payment ' is due with the same threats against my credit and offers to help resolve this issue .All to no avail I just received another prompt for help in resolving this from a XXXX dated XX/XX/XXXX No  reimbursement check has come .I guess my next recourse is Court as this has become ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I recently found out that my name was attached and associated with 3 consumer reporting agencies, XXXX XXXX, XXXX XXXX, and XXXX. I have called XXXX they have a check in the amount of XXXX that was wrote on XX/XX/2014, associated with my ID found this out while I went to XXXX to cash a check as I have been doing many years they cant verify an address on file NONE of the addresses i have given them is tied to me, I called XXXX XXXX they gave a bank account that was opened in 2014 with fifth third, I wasnt even in XXXX yet, I disputed this issue with them and they are saying its accurate and its not, I want my signature to be verified, and what ID and address was used, the same for XXXX XXXX its so frustrating all of a sudden I cant cash checks at XXXX or XXXX due to fraudulent accounts Ive never wrote a check in my life and Ive NEVER had a fifth third account. I want this removed from my name, how is it even possible I got 2 different fraudulent items in 2 different cities I can ONLY be at one place at ONE time! I just want them to detach these accounts from reporting against me because they are NOT mines and I do not write checks let alone shop at XXXX and never have I ever been declined to cash a check until recently. I want this fixed, its a negative on me and I do not like it especially since these accounts have nothing to do with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: CHECK INTO CASH INC.
State: IL
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 are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX, XXXX and XX/XX/XXXX CHECK INTO CASH add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
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:
Back in 2015, I provided all 3 credit companies with my proof of ID theft, along with court documentation showing that all accounts were to be disputed and removed for consumer credit report. At that time, I sent in that request to remove all hard inquires, along with all collections accounts. Upon checking my credit, it was found that a collection account still remains on my credit report, and I also have three account that should have been removed from report. This has damaged my good name and credit with these accounts still being present. They are also reporting that accounts that I have open are currently delinquent, when they have been all paid up and current. They are reporting out dated information, and it is making it hard for me to get any type of additional credit. I should be rebuilding my credit right now after over 7,  almost 8 years of having to fight for my identity back. I am asking that all three credit companies, Experian, XXXX, and XXXX update my information ASAP! I have sent letter certified mail, sent in copies of court documentation showing what has happened, and I want all hard inquires and collections and outdated unverified accounts removed from my report or I will take further legal action and sue all three companies! This is ruining my life! I want to purchase a home in the next year, or so.. And, I don't want this information holding me back. I just want to start fresh like I've been trying to do for the last 2 years.

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 2018-03-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2013 XXXX XXXX XXXX CT-XXXX appeared on my credit report. I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are 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. In the results of your first investigation, 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 required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 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 for negligent noncompliance ( Section 617 ) if you fail to comply. I am 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 2018-03-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an HSBC account on XX/XX/2017 when there's a promotional bonus offer of {$350.00} dollars if open a new account and maintained the balance of {$10000.00} in my new advance checking account for 3 months. I have also chatted with several agent multiple times to confirm my eligibility for the account bonus and also that I have met all the requirements to qualify for the bonus. 

However, the bank told me that their Campaigns and Promotions Team has determined the HSBC Checking account is ineligible for the promotional bonus due to the previous open account within one year of the campaign start date. 

I don't remember seeing anywhere saying this when I opened my account please I also chatted with agent multiple times to confirm I was eligible for the bonus and the agent confirmed I was. Now the bank doesn't want to honor the bonus and telling me I am not qualified. Why do all the agents confirm i met all the requirement and don't double check and tell me I can not qualify when I opened my account. They keep delaying me and locking up in money in their bank and not telling me right away. They locked up my money there for over 5 months making me thinking I will soon receive the bonus as confirmed by each agent i talk to but in the end still won't give me the bonus I deserve. I don't think this is fair for the customer who followed all the rules and requirements and in the end got trick by the bank to keep the money in there for a long time. 

If the bank don't want to honor the bonus, they should train their agent to tell customer the truth right away and not trick them into opening an account because of that bonus and maintaining the money I could have put into other higher interest earning banks. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: BANK OF THE WEST
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I still recall that eperience I had with Bank of the West while I tried depositing money into my account. My balance was negative by less than 100 dollars and the atm acted up. My debit card had not returned to me and the money did not reflect on my account. I called Bank of the West Customer Service and the lady I spoke to stated that they would send a tech person, but wasn't alowed to disclose any info. So I recieved a call from the bank the next day to pick up my card. I asked the manager if he can waive the fee and stated he couldn't because he had done it once. He knew about my curcimstance and did not bother to honor the atm issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was called by a collection agency, and when they told me that I had a collection account, it was from XX/XX/XXXX. they then told me my last payment was done inXX/XX/XXXX. I asked them what they were talking about and who the creditor was they were trying to collect for. they told me it was for XXXX XXXX credit card. I told them that I didn't remember, but that I was at work and couldn't talk at the moment but to continue talking to my fianc. I myself and my fianc told them not to put the account in dispute, and the collection representative asked us if we wanted to dispute it and my fianc said no, however the representative went ahead and disputed it anyways. I know that doing this reactivates the collection on the credit report, and it shows it as a new/recent collection. I told them that this was an old collection and shouldn't be reporting on my credit report. I told them that I didn't want it to be disputed so that it wouldn't affect my credit report, but they refused to take it out of the dispute. I have not received any documentation regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
On XX/XX/2020 a fraudulent charge of {$300.00} was made on my credit card for a cash advance. I have never used a credit card for a cash advance. I was alerted to this charge by my credit card ( Capital One ). After speaking to their fraud department the charges were reversed. 
I then received a letter on XX/XX/2020 stating that there is insufficient evidence of fraud and then charge of {$300.00} was added back to my account. 
After calling three times, being placed on hold for hours and once being told the dispute was still under review they finally told me their decision was final. 
As mentioned I have never used a credit card for a cash advance and don't even know what my pin number is. 
The charge was made while I was on vacation, and I have receipts from another credit card where you can see I was not home. 
Capital One sent me a replacement card in mid XXXX because my current one was expiring. I never received this card. When I called in XXXX about it their automated system told me to wait a few days before reporting it lost. They eventually sent me another card, the original was never received. 
The transaction was fraud, was not made by me. I attempted to explain and reason with them but they were not receptive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-11
Company: TekCollect Inc.
State: TN
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: Was not notified of investigation status or results

Complaint:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXXhirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
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: Was not notified of investigation status or results

Complaint:
Transunion 's failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result '' .Transunion & its actors willful behavior of discharging its duties to correct itself and the record after prior attempts were properly made.

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 2021-04-25
Company: Experian Information Solutions Inc.
State: RI
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 sumited disputes .. that are fraud on my credit reports .. when I now these accounts do not belong to me .. only one credit reporting company has removed the negative accounts .. ( transmission ) Experian an XXXX .. has done nothing to help me or remain the few fraud accounts..

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 2019-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
TransUnion is reporting a student loan on my credit report that they have not properly verified yet they are reporting this information as accurate. 
I am asking TransUnion to properly verify this information properly by speaking to someone at the XXXX business, give me the name and identification number of whom they spoke with, the date and time that they spoke with a human, and the information that was given to them. I have spoken to XXXX and was told that they have never spoken to TransUnion, so I am not sure how TransUnion is reporting this information. 
Also, TransUnion is decreasing my score because it states that the balance on the XXXX account is increasing thus I must have been late on payments or not making payments. Yet XXXX has NEVER reported to TransUnion that there have been late or missed payments. 
If TransUnion can not properly verify its information that is speaking with a live human being and getting the name and identification number, the time and date in which they spoke with such live human and the result of such call. Then they must delete this information from my credit report and stop giving me a derogatory score for information that they have not properly verified.

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 2020-12-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation