BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am aware I was violated too many times to count. As a natural person who is federally protected. I am notifying you that you have helped damage my name and my reputation and my life due to financial burdens that you have chosen to ignore and overpass negligently. Your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. I have been violated as such. The truth and lending 15 U.S. Code 1607- Administrative enforcement- " ( C ) a willful violation which was intended to mislead the person to whom the credit was extended. Notwithstanding the preceding sentence, except where such disclosure error resulted from a willful violation which was intended to mislead the person to whom credit was extended, an agency need not require such an adjustment if it determines that such disclosure error -- ( A ) resulted from an error involving the disclosure of a fee or charge that would otherwise be excludable in computing the finance charge, including but not limited to violations involving the disclosures described in sections 106 ( b ), ( c ) and ( d ) of this title, in which event the agency may require such remedial action as it determines to be equitable, except that for transactions consummated after two years after XX/XX/1980, such an adjustment shall be ordered for violations of section 106 ( b ) ; '' With that in mind, YOU HAVE VIOLATED MY RIGHTS AND ABUSED YOUR USE OT ACCOUNT ACCESS AND WITHDRAWALS AND FINANCE CHARGES.

Directly quoted from YOU standards of overdrafts fees : " We wont charge an Insufficient Funds Fee if your account balance is overdrawn by {$50.00} or less at the end of the business day.

We wont charge for item ( s ) that are {$5.00} or less, even if your account balance is overdrawn by more than {$50.00} at the end of the business day.

We wont charge an Insufficient Funds Fee if your available balance was sufficient at the time your debit card transaction was authorized, even if your account balance is overdrawn at the time the transaction is presented for payment. '' You have throughout my time of using your corporation have charged me overdraft fees that you were not legally supposed to charge. I am requesting all overdraft fees be refunded by to my account. My account has been charged when less than {$50.00} has been over drafted and SO MANY RIGHTS that have been violated using YOUR standard overdraft protections according to the FDIC and TILA.

As per congress, you violated me, your corporation is criminally liable pursuant 15 usc 1611 because your corporation willing knew that you were complying to a transaction that is fraud.

I am demanding the following : - refund and return all the overdrafts that was charged to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-30
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made my XXXX 2017 mortgage payment at a local us bank branch here in XXXX on XXXX and XXXX around the XX/XX/XXXX of the month, then 2 or 3 weeks later I check with my bank to see if the funds was deducted out of my checking account, and it was not. So I called both the XXXX branch and home mortgage office to see if they had a record of my payment, and there was no such record. So to keep it off my credit report for a late payment history, I made a over the phone mortgage payment that cost XXXX. Then 1 or 2 days later us bank tried to process the original the check which cause overdraft fees of XXXX dollars plus the XXXX fee. I think its strange they could find my check after my calling them I am retired with a modest pension and I do not appreciate this treatment. So I would like to receive the most I can legally get for this irresponsible conduct from us bank ... ..I will include my lawyer letter to us bank and my copies of my bank overdraft fees, the original check ... 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 monetary relief
Consumer complaint received 2021-09-10
Company: CCS Financial Services, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ccs collections XXXX XXXX XXXX XXXX ma. XXXX ( XXXX ) XXXX has been sending me collection notices in the amount of {$620.00}. The collection has been reported as past due balance. I do not know this company, I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXXXXXX-Balance {$310.00} XXXX XXXX XXXXXXXX-Balance {$5000.00} XXXX XXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Ad Astra Recovery Services Inc
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account was opened XX/XX/2015, I did not find out about this until recently when I saw it on my credit report. I tried to contact the company, but they will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
THIS COMPANY IS FAILING TO PROPERLY ACCOUNT FOR LOAN PAYMENTS THAT ARE APPLIED TO THE PRINCIPAL OF THE LOAN. YOU HAVE TO WAIT FOR AN EXCESIVE AMOUNT OF TIME FOR BRIDGECREST TO APPLY THE AMOUNTS TO THE PRINCIPAL WHICH MAY CAUSE A DELAY IN PROPERLY APPLYING ACTUAL PERIODIC LOAN PAYMENTS TO THE LOAN. WHEN THEY ARE CONTACTED, THEY CONTINUE TO FAIL AT APPLYING THE AMOUNT PROPERLY AND CORRECTING THEIR ERRORS. THIS COMPANY NEEDS TO BE FINED AND PAY PENALTIES FOR THEIR OUTRAGEOUS PRACTICIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: AR
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 recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.XXXX {$0.00} XXXX {$44.00} XXXX {$19000.00} XXXX {$270.00} XXXX {$190.00} XXXX {$3500.00} XXXX {$1700.00} CHAPTERXXXXBANKRUPTCYDISMISSED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: Santander Consumer USA Holdings Inc.
State: AR
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:
SANTANDER USA WAS REPORTING MY AUTO LOAN TO ALL BUREAUS, BUT WERE DELETED FROM XXXX AND XXXX IN ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: ALLY FINANCIAL INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX - In the morning, I received a phone call from the Ally Bank Fraud Service Center ( phone number XXXX ) concerning fraudulent activity on the debit card associated with my checking account. A voicemail was left giving a case number. I attach the voicemail in this complaint. I called back and spoke with a representative who asked if I made a purchase with my debit card in XXXX XXXX, XXXX. I live in XXXX, Pennsylvania and have n't even visited XXXX for about 18 months. Furthermore, my debit card has only even been used for ATM transactions. I told them this transaction was fraudulent and in return I was told that my debit card had been deactivated. I was told to not have any worries even though there was a pending transaction. The representative told me that this transaction would not go through and the funds should be immediately available once then failed pending transaction dropped off. 

XXXX XXXX XXXX - I check my bank account in the morning and find that the pending transaction has now posted. The amount total was {$200.00}. I call back Ally 's Fraud hotline and explain that I 've already talked to a representative about this situation and that the transaction needs to be reversed or at the very least a provisional credit should be placed in the account. I am told by the representative that there is nothing she can do, and that I must wait up to 45 days to have access to my funds. Unsatisfied with this answer, I start a chat with a customer representative and request again that I be given a provisional credit to the account for the funds so that I can pay my bills while they are doing their investigation. I am told, this time, that there is nothing that can be done and that I may get a provisional credit in 10 business days and that the investigation can take up to 90 days to complete. I ask for the issue to be escalated to someone who may be able to provide the provisional credit immediately but am told that I must wait for them to complete an investigation. I have attached to this complaint a transcript of the interaction I had with this representative. After making no progress through this chat I terminated it and proceeded to file this complaint against Ally 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 2018-03-22
Company: Nelnet, 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:
TOLD COMPANY NEVER OPEN A STUDENT LOAN EMAIL AND CALL FOR PROOF OF DOCUMENT NOTHING WAS DONE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I purchased cryptocurrency from crypto.com back in XXXX. Charge was made to my bank account but they didnt send me coins so I contacted to customer service. I didnt hear from them so I decided to dispute. Little while later, they froze my crypto account so I couldnt access to my asset for almost two months. I contacted to customer service again and they said the dispute was problem. I was told coin I didnt received was credited but I disputed so they froze my account. I didnt know they credited because I couldnt access to my account! So I had no choice but cancel the dispute. They finally unfroze my account and I found out they took the coin they credited. I already canceled dispute so I told them I want either coin back or refund. I provided the proof of the cancellation the bank gave me. But they kept saying that they accepted the chargeback so I have to ask my bank to release the funds. I called bank but they said chargeback or refund or money back are all go straight to my account. Bank dont hold the money and they dont even see any money came from crypto.com. I told them that but they are just keep saying they already accepted the chargeback so they cant assist further. Im still fighting with them but I need someone elses help. I dont thin my theyll give my money back.

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 monetary relief
Consumer complaint received 2018-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment incorrect and needs to be updated on all 3 reports consistently.

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 2019-09-19
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 have disputed the Account ( XXXX XXXX XXXX ) with Experian ( In Writing and Certified Mailed ) as Unverified / The account does not belong to me and I have no knowledge of this account. I requested verifiable proof of the original consumer contract with my signature on it that they have on file. I have not been provided any documents or verifiable proof of this account ( XXXX XXXX XXXX ) belongs to me. I have only been informed the account was verified. I request to know " Who Verified this account and I request verifiable Proof of the original consumer contract with my signature on it that Experian has on file. '' Under the FCRA all unverified accounts must be removed ; if Experian is unable to provide me a copy of verifiable proof if must be removed from my credit profile. This item remains on my report. Experian has NOT provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ). I request original consumer contract with my signature or remove this item from my credit profile.

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 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX  and Transunion are reporting me incorrectly 120 days past due on the XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This negative reporting is harming my credit score. It is impossible to be 120 days past due on an account with a {$0.00} balance and {$0.00} past due.

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 2018-04-25
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: Account status incorrect

Complaint:
There is an inquire still showing on my report that should have been deleted already by law. Name of company is XXXX XXXX XXXX   the removal date was back on XX/XX/2018 and still shows on my credit. I'm trying to buy a house and is affecting me on my eligibility for it. If you need to get in hold of me feel free to contact me at XXXX XXXX XXXX. Thank you in advance for your prompt help. 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 2020-05-07
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of identity theft

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 2018-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have try many times to get a hold of the fraud department in this collection. I have never had a credit card with this company before. I have been a Victim of Identity Theft and I'm not getting no were with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit 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/XXXX I made a Kohls purchase and selected for two day delivery as I was heading out of town before XXXX vacation. My delivery was expected to arrive on XX/XX/XXXX. I was heading out of town on XX/XX/XXXX. For some reason or another my package was going from one state to another state and probably was in about 10 states. I have no idea when my package was going to arrive and neither did XXXX. So I called Kohls to cancel my transaction as I would not be home to receive my shipment at this point ( given nobody knew when it was going to arrive and I had to depart town on the XXXX ) and would be no good to me as I was already heading out of town for XXXX vacation and needed those packages with me to take as gifts for my loved ones. Either way my packages never arrived, and I dont know if Kohls ever cancelled my order as requested to do so by me. To this day Im being charged interest on top of interest late fees and all kinds of stuff on a purchase that was blatantly canceled on my end and never received. I keep trying to make a payment to keep my account current balance because I dont want it to go an affect my credit report. Kohls has taken no further action to resolve this issue its been going on for as I said since XXXX of my order was supposed to be canceled and Im still being charged with interest on top of it! Not only that every month my account is different my balance is different just the other month I was supposed to receive {$120.00} check because I was overpaid and I never received anything and then I received a letter from them saying that was an account mistake. I would like to see my account summary because nothing makes sense!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Student Loan Control, LLC
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Received a bogus notification of a credit-card debt settlement from an organization that operates under the following company that is already discredited by the XXXX  : Student Loan Control , LLC 7 years in business XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX  Link XXXX XXXX XXXXXXXX They use the clever, but duplicitous, moniker " Department of Negotiations. '' They appear to also operate under the following name : XXXX XXXX XXXX It's a scam designed to prey on the ignorant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My Tranunion score was showing a XXXX on XX/XX/XXXX. On XX/XX/XXXX I received 3 alerts from XXXX XXXX, XXXX   XXXX, XXXX XXXX and XXXX XXXX XXXX from XXXX  that monitors all 3 credit bureau.. One of my TransUnion alert was an increase of XXXX on a XXXX XXXX credit card, another alert said I was added to an authorized user with a XXXX credit limit, and the other said I had a TranUnion decrease on my credit score.. After reviewing my TransUnion credit report I noticed a drop from XXXX to XXXX so I then looked at my XXXX  and XXXX reports and both of them was increased by a few points for the XXXX increased credit card and the XXXX credit card authorization on my account.. XX/XX/XXXX I called XXXX and ask them why did my fall scrore drop dramatically instead of going up because everything that was posted on XX/XX/XXXX was positive and the representative couldve give me an answe ... I been working trying to get my credit scrore decent enough to where I wouldnt be in bondage and have to suffer an high interest rate considering the credit bureaus determine pretty much our futures bye having control of our credit scores.. if these credit bureaus can keep our scores low enough to where they can profit than they will.. I worked hard to get my score at XXXX and every month I pay my bills on time and my score slowing increases by 2-3 points every month until now.. this is the second time Tranunion has deceived me from my credit score raising.. and it wasnt nothing I could do about it but work twice as hard to get it back up and then it happens again ...

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