BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been a Chase checking account owner for over 15 years. I recently tried opening a Savings account online ; I went through the process of logging into my checking account and transferring funds from my checking account into the new savings accounts. Once the process was done, I was asked to create a PIN for an ATM card. After this, I was informed that the Savings account was successfully created and the card would be mailed to me within 7 - 10 business days, while the Savings account was supposedly opened immediately.

I went to my accounts on the Chase.com website and I saw my Chase credit card, Chase Checking account information but not the Savings account. 

After two weeks of waiting, I called Chase customer service on XX/XX/XXXX and the lady I spoke with confirmed that my account had no savings information on there. She advised me to go through the process again. 

On the same day, XX/XX/XXXX, I went through the same process described as above. After which, I looked at my online Chase accounts and still, no Savings account. I immediately called Customer Service and they once again confirmed that there was no incidence of a Savings account creation.

My concern is that the system might be slow and since I have transferred money twice to the phantom Savings account ( s ), in the future, these accounts may be created, thereby prompting the funds draw from my account twice and then I will be hit with overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XX/XX/2016 my wallet was stolen and I tried to contact Capital One about my credit cards and they said they would put a hold on my account and send me new cards. Charges had been made to the account without my consent and they asked me to send a police report in and then they would start a claim. I did not have a police report because there was too much time in between the incident of my wallet being taken and me getting the police involved. Capital One refused to dispute the items on my card and I refused to pay for purchases I never made. I am asking that these late payments be taken off of my credit report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Home Loan Center, Inc.
State: DC
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:
XXXX 1. Navigated to XXXX XXXX to obtain auto-refinance rates 2. Entered information to identify myself 3. Upon completion of profile, I was asked to provide the LAST 4 DIGITS of my SSN a. This is the misleading part - although it appears I may have authorized them to pull my credit from the last of the terms, I DID NOT KNOWINGLY AUTHORIZE THEM b. See attached screenshots 4. Called XXXX XXXX - they say I did authorize them to give out my FULL SSN ( not last 4 ) to 5 lenders and those lenders could pull my credit.

This is an incredibly misleading practice. Provide LAST 4 of SSN and they go out and provide my FULL SSN to 5 lenders ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: The CMI Group, Inc.
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I closed my service with vast broadband internet back in XXXX. I told them to send me any bills in the mail if I owed anything after closing. I no longer wanted paperless bills since I disconnected. They never mailed me a paper bill or attempted to ask for the XXXX. I hooked back up services with them in XXXX before the XXXX and paid the debt of XXXX because they told me on the phone in XXXX that I owe. Then the offices of credit management lp sent me a collection letter in the mail dated XX/XX/XXXX for XXXX. I do not want this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: AES/PHEAA
State: OK
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They failed to properly notify me of student loan debt. No written paperwork concerning my debt or payment options. Just ended up having late payments on my credit report without proper notification of when I was supposed to pay or my plan. I was sending in paperwork for my payment plan but was never notified or sent back paperwork to communicate if paperwork was received. Then I ended up having all these late payments on my credit report which is unfair and not lawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: CITIBANK, N.A.
State: NJ
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/2019, Citibank closed all my credit accounts including where I was an authorized user. No explanation was provided and when I attempted to request information, I was given a generic excuse regarding a credit reporting agency listing me as a high risk. After reviewing my credit reports I found NO deragotry information in the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: Kashia Services
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took this payday loan out of desperation. 
I called on Thursday XX/XX/XXXX and was told my loan payoff would be XXXX And then when I called back on Friday XX/XX/XXXX I was told my payoff was XXXX. 
Because of late fees and interest. 
I emailed 2 times in XXXX to find out my pay off and to notify them I changed jobs and my pay days had changed. With no response back. 
In addition to their late fees and interest I was charged. My bank charged me XXXX each time they withdraw their payment. 
You can't resolve anything with me because they don't return emails or phone calls from their finance dept

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had cell phone service with   XXXX   XXXX   XXXX   XXXX  . My number with   XXXX   XXXX   XXXX   was  XXXX . It shows Account No  XXXX  as the creditor account # on this collection notice from Credence and their reference no is  XXXX  I received. On  XX/XX/XXXX , I canceled my service with   XXXX   XXXX   XXXX   and transferred to  XXXX . In  XX/XX/XXXX  I received a balance notice and called   XXXX   XXXX   XXXX   and spent over an hour on the phone being transferred all over. It was my understanding that the balance would be removed, however now I have a collection agency after me trying to collect {$170.00} for service I canceled. I was a long time customer of   XXXX   XXXX   XXXX   and this is very disappointing. This is unacceptable an act by a large company trying to coerce me into paying a balance that is not due to them. Because service is usually prepaid, would n't they OWE ME a credit anyway? They did n't issue me a credit for the service I paid for that fell after my cancellation date? Something seems fishy here.

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 2020-08-23
Company: LEXISNEXIS
State: AL
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:
OnXX/XX/XXXX I sent a certified letter to LexisNexis requesting them to validate a bankruptcy and the associated accounts on my LexisNexis credit report. I told them if they could not validate this debt, I want it removed from my credit report. On XX/XX/XXXX they received the letter. Today isXX/XX/XXXX and I have yet to get any response from them, therefore violating the 30 days they have to respond from the date it was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX XXXX has not been validated and is currently disputed. 

Have applied for mortgage and is preventing me from being approved. 

This inaccuracy has been disputed for the past 24 months and the creditor has changed dates and name of creditor repeatedly in order to keep erroneous information on all 3 credit bureau 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 2019-11-18
Company: FC HoldCo LLC
State: UT
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:
Flagship Credit is reporting a debt on my credit file that I do not owe. I refinanced this account back in 2016 to XXXX XXXX. They are reporting a past due balance along with lates. I was never late on this account. Flagship credit is in violation of FCRA. and needs to report correctly.

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 2020-05-31
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts nor did I authorize these companies to run my credit. Please remove them.

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 2020-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently got my fraud alert removed ( thank god ) ... .but there was inquiries on my credit report that I never put on at the time so I sent out a 609 letter to verify and never heard nothing back from XXXX  transunion of XXXX  ... .back when I was a victim of identity theft ... they're refusing to removed the hard inquiries that wasnt made by me and I contacting the companies but nothing was never done so I'm sending the hard inquiries information below

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 2019-03-27
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
XXXX XXXX XXXX, Several CFPB Complaints with the same bank Huntington Bank and same Checking Account, Substitute Checks USURY of Criminal Extortion XX/XX/2019 {$140.00} V - {$7.00} Bank Balance, Guardian Annuity Deposit XXXX of the month, Criminal Extortion and Embezzlements. Huntington Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2016 the Judge XXXX XXXX XXXX XXXX XXXX. Denied the Plaintiffs Motion to Substitute Party. ( See Attached ).

Now PennyMac want to collect money for me of engaging in business practices that are immoral, unethical, oppressive, unscrupulous, and harmful to me. ( See Attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 I charged some items to my XXXX XXXX Credit Card {$90.00}. The cashier was on line with a representative because the cashier was having problems with the credit card. The representative spoke to me on the phone both the cashier and representative were taking to long to take care of me so I told the cashier to cancel my purchase and she did by phone and transaction. I asked the cashier if my transaction was canceled correctly she said yes. I did not take the items the items were left at the counter and I left. The following month the bank was charging me for something that I don't have and months went by now creditor 's want to collect {$300.00} they are harrasing me for money that I do not owe and my credit is bad becuase of this please help with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Security Credit Services, LLC
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute an inquiry and debt that were placed on my credit report which are at best inaccurate or worst, fraudulent. Security Credit Services , LLC placed an inquiry and debt collection account on my credit report without my knowledge or any attempt to contact me about an outstanding debt. Instead, I had to contact Security Credit Service in XX/XX/XXXX once the changes were made to my credit report to inquire why a new debt was being reported. In the course of gathering information I have received documents addressed to another individual not associated in any way with me, contradictory balances of the alleged debt and incomplete information regarding the ownership of the alleged debt. Furthermore, outdated or incorrect mail and email addresses have been used repeatedly to communicate despite Security Credit Services and XXXX XXXX XXXX, XXXX having my updated contact information from their credit report inquiry and being provided with accurate email addresses. Each time I told XXXX XXXX XXXX, XXXX that I never received the documentation in question they were unprofessional and rude until they finally would forward the documentation to the correct email addresses and I could prove that they were originally using incorrect address and emails. I have been trying to resolve this issue since XX/XX/XXXX but still can not get complete, accurate information from Security Credit Services and XXXX XXXX XXXX, XXXX. 

Attached are the original loan document that was charged off by XXXX/XXXX in XX/XX/XXXX, emails between myself and XXXX XXXX XXXX, XXXX, incomplete chain of ownership that does not show any identifying loan information to prove it applies to the original loan or XXXX, incomplete payment history showing a different amount due and a settlement agreement with a different amount due addressed to another person with my address from years ago. 

I have tried to work directly with Security Credit Services but they always redirect me to XXXX XXXX XXXX, XXXX so I have mailed a formal request for validation of debt to both Security Credit Services and XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was in the process of evicting due to Hurricane Laura and tried to book a pay at the property hotel. I booked the XXXX XXXX via XXXX and it was indeed a pay at the property hotel. Upon reserving my room the company charged my card which was against XXXX policy. I attempted to reach out to the company via phone on XXXX but was unsuccessful due to them disconnecting their phone line. I reached out to booking on XXXX as well and they was also unsuccessful with reaching them. So I filed a claim to cancel my booking through the company because they violated a legal policy by charging my card before I even got there. And again they was unsuccessful reaching out to someone at the property because they refused to answer the phone. I shouldnt have been charged anything thats the purpose of booking with the company I used for security purposes. Not only did they charge me before I got there but they refused to even acknowledge the fact they was in breach of contract with booking. I didnt stay at the property me and my family was evacuating from a hurricane and I believe this property was using that situation to defraud evacuees. Ive taken this matter up with our Attorney General and I would like to be refunded all of my money due to the fraudulent handling of this transaction. Im a XXXX single mom of XXXX  and can not afford for anyone to scam and commit fraudulent acts against me Im asking for a favorable decision because they violated legal policies.I reached out to my bank ( Chime ) on XXXX and eventually I had to file a claim to get my money back. I provided them with my XXXX policy info the email from the hotel stating that I will pay at the property and their own company policy with XXXX that once again states that I would pay at the property. My bank decided that no error happened and is allowing the transaction of XXXX to be finialized even though 1. They shouldnt have charged my card. 2. I did not stay at the property 3.  The literally violated not only XXXX policy but their own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Data Search NY, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2018 i refinanced my house with XXXX XXXX. I owed XXXX to XXXXXXXX XXXX XXXX for a credit card. XXXX wrote a check to XXXXXXXX XXXX for the total amount due of XXXX payable to XXXXXXXX XXXX. I sent XXXX ; XXXX the check and the debt was declared paid in full by XXXXXXXX XXXX. Apparently XXXX XXXX had hired a collection agency named TrakAmerica for my debt. I have no recollection of dealing with TrakAmerica, but either XXXXXXXX XXXX failed to notify TrakAmerica that they received payment or TrakAmerica failed to remove it from the credit bureaus because I have just refinced my house again with XXXX to get a lower interest rate and once again they have made another check to XXXXXXXX XXXX for the same XXXX. I have now had to pay XXXXXXXX XXXX twice for the same debt. XXXXXXXX XXXX tells me I will have to contact TrakAmerica. However, my Check is made out to XXXXXXXX XXXX and since I don't owe the XXXX XXXX 's will have deposit the check and reimburse me. XXXXXXXX XXXX or Trak America should have removed this debt from the credit bureaus so I didn't have to pay it twice, If you could help me clear this up I would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: MI
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 HAVE FRAUDULENT ADDRESSES AND ACCOUNTS ON MY CREDIT REPORT. I HAVE SENT INFORMATION IN TO THE CREDIT BUREAUS WITH MY POLICE REPORT AND ALL OF MY VERIFYING INFORMATION WITH THE NAMED ACCOUNTS. XXXX, EXPERIAN AND XXXX WILL NOT REMOVE ALL OF THE FRAUDULENT ACCOUNTS. I HAVE SENT THE POLICE REPORT TO ALL XXXX BUREAUS THE POLICE REPORT NUMBER IS 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 2018-04-30
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:
This complaint is in regards to an account reporting to the credit bureaus by XXXX XXXX. In review of my consumer report in XX/XX/XXXX, I requested validation of the account listed on my report for an amount of {$1800.00}. I sent a validation request on XX/XX/XXXX via certified mail and received receipt that it was received on XX/XX/XXXX. The information came back verified and accurate, but I was never supplied with the requested signed contract, breakdown of fees and billing totaling the referenced amount that I allegedly owe this company. I then sent another request to validate this debt with the above documentation including any communication and contracts with my signature, via certified mail in XX/XX/XXXX. I never received the signed receipt from the certified letter, although on XX/XX/18, I received another response from the credit agencies that the information was verified and updated, with no documentation or validation of the information used to supposedly validate the debt in the amount of {$1800.00}. This is in clear violation of my rights under FCRA.

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 2019-03-27
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 am a co-signer on my husbands lease account with XXXX XXXX XXXX. There have been two 30 day late payments reported to my credit report without me being notified that the payment had not been made. My husband and I are currently separated. I never received a phone call or a letter about this account running or being late. This is unfair and unethical. My credit should not suffer for someone else 's mistakes. I am the CO-SIGNER and not the primary account holder. If someone called me from XXXX I would have made the payment myself. The first late payment was in XX/XX/XXXX and the second late payment was XX/XX/XXXX. I reported this information to Equifax but a thorough investigation was not done.

Company response to consumer: Closed with explanation