BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/22 I closed my Chase Checking account. On XX/XX/22 I returned an item to XXXX for {$74.00} which was originally purchased with my chase debit card. XXXX refunded the money to my closed chase debit / checking card account. Chase bank had me send a fax to their claims dept and approved a {$74.00} refund and sent me a check on XX/XX/22. Months later, chase has sent me a collections notice asking for the money back. I have spent months on the phone with Chase Bank ( corporate, claims and collection dept ) as well as with XXXX XXXX. 
Chase claims XXXX sent me a paper check on XX/XX/22. This never happened. XXXX does not send paper checks to customers, there is no check number or information that XXXX can supply proving this because it is not their practice. However attached you will see the transaction numbers from XXXX proving the money went to Chase. 
I told Chase if they did not remedy this situation I would report them to office of the comptroller, the news, and small claims court. They said go ahead. I have attached only some of the correspondence and you will see the confirmation from XXXX that chase has my money. In order to protect my credit I made a {$10.00} per month payment arrangement with chase to repay the money which is rightfully mine. So I dont have the product and Im paying twice? Makes no sense. Fraudulent practices taking place here, I hope someone can help me remedy this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: FL
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2023-01-04
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a check deposit for USD {$75000.00} on my checking account at PNC Bank on XX/XX/2022 as I can see since I am the same issuer of the check from another financial institution XXXX XXXX XXXX the funds were clear the same day XX/XX/2022 and as of today PNC Bank is saying that they need to verify the funds with XXXX XXXXXXXX XXXX, It is incredible that I have to call PNC to request them the status of my funds while they play with my money and they provide excuses. 

To further add they over draft the account and they are charging me fees and the amount that is being retained USD {$74000.00} they are unable to advise where the USD {$330.00} funds are plus ... the funds that I had in my account. 

It is incredible that a Bank of this size abuses with clients, if they can not allow clients to deposit funds of this amount they should be getting in contact with their clients and not their clients with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
n accordance with the Fair Credit Reporting act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have had this credit card for several years. On my last statement they showed a total balance due of {$3000.00} which I decided to PAY IN FULL BEFORE THE DUE DATE. When I went on line to check my account, they claim I owe them an additional {$50.00}. When I called to complain, they said it was accrued interest.How does one one get the bill paid up if there is always going to be accrued interest?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
It's been over 30 days and credit bureau haven't update information nor has provided proof or documentation in regards of late payments. They have not supplied this information and must delete the alleged late payments off my credit reports. under federal law they have 30 days to complete the investigation and by failing to do so the items must be deleted from the report as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX is reporting on my credit report after they said it would be deleted. 

XXXX XXXX  # XXXX I have no knowledge of this account I never lived at several addresses that reporting, Ive disputed them the only reporting should be XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX, the only phone number XXXX, the only name is the XXXX on file that shows my mailing address XXXX XXXX XXXX they havent sent documents requested, there are several inaccuracies on the payments, date, amounts, missed payments, no info showing please have them delete ive disputed this several times

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 non-monetary relief
Consumer complaint received 2021-12-12
Company: Credit Karma, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
CreditKarma.com I have a XX/XX/2021 inquiry on my credit report. I have not requested any info from them nor given them consent to pull any info and They have made it impossible for me to get in touch with them and report it. Not able to contact them by phone. When I email them they push me back to their nonworking website. They have made it impossible to report misconduct if you are not a current member which I am not ( I am not a member of this company ). I want any and all information they have concerning who supplied them with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Letter received verifying the new application for a US Bank checking account on XX/XX/XXXX. 

We called the number on the card to dispute the opening of the account. 

No good resolution was reached.

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 2022-09-22
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}.

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 non-monetary relief
Consumer complaint received 2022-09-22
Company: Chime Financial Inc
State: KY
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 had to file a dispute with chime due to unauthorized transactions as I was in XXXX XXXX XXXX XXXX XXXX XXXX  due to an ongoing issue with XXXX XXXX XXXX XXXX XXXX, the time my card was charged. I pressed charges on the person who broke in my home and stole my debit card while I was in the hospital. I shared the police report with chime as well as my XXXX papers from the hospital. Chime is requesting medical records and XXXX XXXX that is breaking HIPPA. All I want is my money back they promised for an update by the XXXX XXXX XXXX  and I never heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
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: Information belongs to someone else

Complaint:
ON MY EXPERIAN REPORT IT SAYS I HAVE INQUIRIES THAT I DID NOT INQUIRE ABOUT I HAVE NO IDEA WHY THEY ARE ON MY CREDIT REPORT I BELIVE THIS IS FRAUD I HAVE ATTACHED A LETTER FROM A COMPANY LETTING ME KNOW MY PERSONAL INFORMATION WAS STOLEN FROM THEIR DATA BASE AND THEY OFFERED ME FREE IDENTITY THEFT ASSISTANCE. PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-14
Company: Experian Information Solutions Inc.
State: PA
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:
blatant and objectionable disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute as well as my follow-up letter. To date you have not done your duty as mandated by law. Your Non-Compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

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 non-monetary relief
Consumer complaint received 2022-09-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had my identity stolen by two different women, XXXX XXXX and XXXX XXXX in a romance fraud they had my information and without me knowing signed up for a chase sapphire reserve card. They used my social security number personal information in order to buy luxury items and designer brands that were shipped to Chicago and La. They also had physical use of this card and would use it in New York. I have filed an ftc affidavit and police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: EQUIFAX, INC.
State: WI
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:
XXXX opened XX/XX/2019 for XXXX. no knowledge of this fradulent account. over 20 fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
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: Information belongs to someone else

Complaint:
ON MY EXPERIAN REPORT IT SAYS I HAVE INQUIRIES THAT I DID NOT INQUIRE ABOUT I HAVE NO IDEA WHY THEY ARE ON MY CREDIT REPORT I BELIVE THIS IS FRAUD I HAVE ATTACHED A LETTER FROM A COMPANY LETTING ME KNOW MY PERSONAL INFORMATION WAS STOLEN FROM THEIR DATA BASE AND THEY OFFERED ME FREE IDENTITY THEFT ASSISTANCE. PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX  INQUIRY XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Synovus Bank
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am writing because I believe First Progress can use improvement with communicating important information to customers. The monthly statement, dated XX/XX/2019, disclosed that the Annual Fee of {$49.00} will be imposed on [ the ] next monthly statement. I read at the end of the statement that payment of the annual fee could be avoided by sending written notification of termination within 30 days. The annual fee was charged to my account on XX/XX/2019. I sent a letter requesting that the annual fee be refunded and my account be closed. On XX/XX/2019 I received a voicemail from XXXX with First Progress requesting that I call at my earliest convenience. I called that same day to confirm receipt of my letter. The customer service representative told me that the annual fee would not be refunded because charges were made to my account after the fee was imposed. The customer service representative was unable to direct me to where I could find a statement regarding forfeiture of the annual fee in the Terms & Conditions. I have read through the information I received with my card but I can not find where this policy is stated. I was told Im sure its in there somewhere. The call ended with me being informed that corporate made the decision not to refund the annual fee. 

I believe First Progress should communicate information more clearly. I became aware that the annual fee had been charged to my account when I logged in to my account on XX/XX/2019. The statement dated XX/XX/2019 ( with a due date of XX/XX/2019 ) disclosed that the annual fee would be charged on the next statement, which happened to be XX/XX/2019. If I had not logged in on XX/XX/XXXX I would not have been aware of the transaction until XX/XX/2019, when First Progress emailed the notice that my statement was ready to view.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2019, I went to the ATM machine at the Santander Bank in XXXX, NJ for a withdrawal. On the first try they told me I had the wrong pin. I called XXXX and they told me it was the right pin. I tried again it would not work and my card was kept. When I went into the bank they would not return my card. they don't have to give me the money that I asked for, but they have no right to keep my card. I called XXXX again and they assured me the card was OK. 
Why is a bank allowed to keep my card which is my property.

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 2023-04-25
Company: VW Credit
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have tried for two years to get the title to my car from VW Credit after purchase. 

After my initial complaint to CFPB VW Credit sent the title to my car without providing me with the bill of sale. It's not possible to transfer this title to my name without a bill of sale. 

When I received the title I found that it was signed on XX/XX/21 with the odometer reading from my odometer statement included, proving that they did receive my odometer statement two years ago. 

VW Credit withheld my title for two full years without cause. They are now withholding the bill of sale necessary to transfer this title into my name. 

VW Credit lied to me about the status of my title, lied to me about my right to legal counsel, and continually frustrated my attempts to have the title to a car I purchased two years ago transferred into my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by FederalLaw to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed this item on XX/XX/2020 and they removed it, but it has been sold to another company and has been re-added to my credit file. 

Account : XXXX Account # : XXXX Under Section 602, I have a right to privacy.

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 non-monetary relief
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief