BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-08
Company: BARCLAYS BANK DELAWARE
State: AR
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 have called and mailed in documents to Barclay over the past few months. I have paid over {$4000.00} in payments. They think I am not me and have frozen my card but will not close it. I sent them property tax bill where i live on their records, my phone bill with number thats on my account, my bank statements with account i pay them from, my passport, my drivers licenses, my social security card, and my birth certificate. Yet they still say the account might not be me and they cant close it until i proove to them im me. They have no problems letting me log in and pay them every month out if my bank account but they think its not me

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 2018-06-08
Company: ALLY FINANCIAL INC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with ALLY FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and ALLY FINANCIAL with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2018.

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 2021-08-18
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credence Resource Management has violated my rights pursuant to 15 usc 1692 ( b ) ( 2 ) ( 3 ) and 15 usc 1692c ( a ) ( b ). Credence Resource Management was not present for the initial contract between myself, and XXXX XXXX/ XXXX XXXX therefor Credence is in direct violation of my rights by contacting about this alleged debt. Credence Resource management has contacted me via phone daily in connection with this alleged debt, which is violation of 15 usc 1692d due to the fact I never gave Credence Resource Management consent to contact me about anything. Credence Resource Management furnished deceptive/negative forms and reported them on my credit reports, this has been very detrimental to my reputation as a consumer which is a violation of my rights pursuant to 15 usc 1692j ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian relied back to where I filed a complaint on XXXX/XXXX XXXX regarding my loan with XXXX XXXX   showing incorrect as well as late shows and wrong information showing. Experian when replying back to CFPB needs to have the right information and stop replying back with wrong information pertaining to this account. I talk to a manager for XXXX and he explain to me they was updating the information to send to Experian for the correct information that should show on the credit file. I spoke to a manger on XX/XX/2018 regarding the situation and I was told it was over in the credit department to be adjusted correct and Experian was getting sent to Experian to be updated. And was informed that Experian also was or reported the wrong original amount of the loan as well.XXXX  is no longer XXXX it is XXXX in which took over Formerly XXXX  change names as that information is wrong as well by Experian nor has Experian provided proof documented as to the issue

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 2020-08-20
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Hello, my name is XXXX XXXX and I sent letters to all the credit bureaus over 45 days ago about inaccurate information on my credit report. I haven't received any information or letters from any of the credit bureaus.

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 2018-06-12
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
We began receiving phone calls at all hours from the company XXXX XXXX XXXX around XX/XX/XXXX of this year,XX/XX/XXXX They would hang up on us when we asked who they were. I received a letter from them on XX/XX/XXXXstating I owed for a supposed account and a stated amount. I do not owe any outstanding debt and my credit is very good. I received another phone call this morning XX/XX/XXXX. The lady told me that there was a " claim against my social security ''. I told her she was wrong and she hung up on me. I called back and spoke to a manager. He stated He was going to see me in Court because I don't pay my bills. These people are breaking the law and violating the FDCPA by representing themselves as lawyers and threatening legal action on a debt that probably is 15 years old. I have no current issues with unpaid debt and haven't for over 15 years. These people call and make false statements, hang up on us and threaten legal action. I am sick of these people breaking the law. We would appreciate very much your assistance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Tuesday XX/XX/2022 at approximately XXXX PST, I, XXXX XXXX XXXX received a notification from my Chase mobile banking app that a representative of Chase is trying to reach me at a physical Chase branch, and the app was trying to confirm my presence at a this branch. I opened the app to respond to this notification ( that I was at work and not physically at any Chase branch trying to talk to any representative ) and noticed multiple unauthorized transactions, mainly withdrawals starting from XXXX for a total of {$7300.00}, and an additional fraudulent " credited '' deposits from unrecognized individuals for a total of {$2800.00}. 

I alerted Chase of these fraudulent transactions on XX/XX/2022 and file the " unauthorized signature or forged item declaration '' on XX/XX/2022. My Case number with the Chase Claim department is XXXX. Account number XXXX. 

Of note, I had another incident of fraudulent transactions at Chase on XXXX on my old account. I alerted Chase, which the bank did resolve the issue. I did tell Chase multiple times that the impersonator might have a forged/stolen ID and that I now live in XXXX, CA, whereas the forged/stolen ID might reflect the address in XXXX, CA where these transactions were made and I no longer live in XXXX, CA. My address with Chase is also in XXXX, CA. I do not know how Chase allows these fraudulent withdrawals to happen again now that my husband and I opened a new account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-01
Company: TCF NATIONAL BANK
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Refinancing due to divorce. New title company has asked for payoff information 3 times by email and 1x by fax. I personally called Wednesday XX/XX/XXXX and requested payoff on both 1st and 2nd mortgage. Friday XX/XX/XXXX the title company received two payoff letters on the 2nd mortgage. Saturday an overnight letter was sent to XXXX Michigan and was received by XXXX XXXX at TCF Bank. As of Tuesday XX/XX/XXXX neither myself or the title company have received any payoff information on the 1st mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: CREDIT ACCEPTANCE CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2018-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have several complaints about my credit file, which contains information that is either partially right or completely incorrect. The file is missing information in most cases, and I believe the information contained in these files to be inaccurate. 
So I want to dispute entire file. It also has some inquires that I want to dispute whose origin is unknown to me. 

My car payment were made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I made all my payments on time, starting in XX/XX/XXXX to about XX/XX/XXXX, for over a period of 3 years with no lates. It was about XXXX per month. But I only see a partial file. I paid a total of XXXX with {$4100.00} for a finance charge, while XXXX of it was for the car. I was always on time with my payments and missed none. Part of those payments are missing from my file, my file does not reflect that. 


XXXX XXXX XXXX has me down as a cosigner, I did authorize them or give them permission to use me as a cosigner nor have I sign a contract with them. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX Who are these people? 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/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 XXXX XXXX, XXXX , XXXXXXXX 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 explanation
Consumer complaint received 2020-01-31
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$1500.00}, {$4200.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 


-- AUTO ACCOUNTS -- 3. XXXX XXXX XXXX & with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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'm reporting 2 fraudulent accounts inwhich I have no knowledge of and they are being reported by the credit agencies. The following accounts are XXXX XXXX ( XX/XX/XXXX ) the orginal creditor I never had any accounts with.

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 2018-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I submitted a deposit in the amount of {$500.00} to Capital One for a secured credit card. Approximately 2 days before I received my card in the mail I discovered upon receiving my card that Capital One closed my account. They closed my account because 1 of my initial deposits was returned. My bank stated that they never even received the request for the money to be taken out of my account. I put 2 weeks of my hard earned money into this secured credit card so I could build my credit. I trusted capital one. I called to try to get the account reopened. Capital one refused to even review my account. I then asked for a refund of my deposit. I was informed that it would take a minimum of 70 days to refund my money and they couldnt even explain how the refund would be processed. I was depending on this card to fianc my sisters graduation trip. Not only has capital one made it extremely hard on me to get a refund, but they have also made it difficult for me to get a card I thought would be simple to obtain. All I want is my account reopened with the deposit that I sent them. Capital one still took the money out of my account and then after they mailed the card out decided to close my account that I never even got a chance to use 2 DAYS before I was set to receive the card. This is very unfair and Im entrusting in Capital one to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: EQUIFAX, 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 submitted an identity theft and police report to XXXX, XXXX   and Equifax and they still have not processed anything. I am a victim of identity theft and there is a XXXX XXXX loan and a XXXX XXXX credit card that do not belong to me showing on my report. Please help me remove these items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Signed up for a Chase Total Checking & Chase Savings account using the {$500.00} account bonus coupon *in-branch*. Made two ACH transfers totaling {$15000.00} ( balance minimum for the coupon ) into the Chase savings account from my other checking account the day I opened it.

My account was closed the next day by the " money movement '' team without warning or ability to dispute/appeal the ruling. There was no activity except for the initial transfers into the account for {$15000.00}. The accounts were open a total of 1 business day.

Finally, the Chase support representatives stated I would never be able to open another bank account with Chase again.

How can you ban someone indefinitely for money movement after you ASK them to move {$15000.00} in within the first 10 days? That's ridiculous!

Additionally, I have never " burned '' a financial institution, have a good credit score and history, and a reasonable amount of bank accounts ( 2 currently ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: NAVY FEDERAL CREDIT UNION
State: SC
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:
I am extremely stressed about this matter with Navy Federal Credit Union, as the consumer and natural person they are violating multiple federal laws and ruining my reputation. Congress says under 15 USC 1692d ( 1 ) - The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. This PAID Charge off has significantly damaged my reputation and caused me physical harm due to stress and has not allowed me to purchase a home because they keep furnishing information to the Credit Reporting Agencies, which congress says under 15 USC 1681 ( a ) ( 2 ) - An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. This account has damaged my credit worthiness, standing, capacity, character, and general reputation with lenders who pull my consumer report. Navy Federal Credit Union keeps telling me that there is nothing they can do about it, which is completely false because the Credit Reporting Agencies get their information directly from Navy Federal Credit Union, which is another violation to me as a federally protected consumer. Congress says under 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Only I the consumer and natural person have authority over my credit card which congress defines under 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I never authorized Navy Federal Credit Union to use my credit card and has in fact been committing fraud and taking advantage of me because I the federally protected consumer has not received ANY benefit from this account in which Navy Federal Credit Union has been using my credit card for. I, XXXX XXXX give permission to all parties involved to investigate this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
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: Account status incorrect

Complaint:
I am currently applying for a mortgage. I initially applied for a mortgage on XX/XX/XXXX then again on XX/XX/XXXX and XX/XX/XXXX. All applications were within the 45 day period. However, Transunion and XXXX  lowered my score by 50 points based solely on these inquiries-no other credit factors explain the drop in the score. Both companies are violating the 45 day rule.

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 2021-05-24
Company: Experian Information Solutions Inc.
State: OH
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:
Ive called experian, XXXX and XXXX to try and get some if not all of my hard inquiries removed because I did not recognize or authorize more than half of the inquiries listed on my report. It has been an issue for awhile now, and I have been trying to raise my credit score for months but it is dragging the score down drastically. In the past year there has been multiple hard pulls on my credit that I have not authorized.

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