BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-18
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In my attempt to pay the amounts listed on my credit karma report, I called XXXX XXXX XXXX   and spoke about the amounts owed. My XXXX XXXX indicates that I owe {$170.00}, {$140.00} and {$99.00}. According to the person I spoke to the agency has reported two amounts that are incorrect and it is the same account. The only amount that I owe is {$99.00} and the other two amounts are listed wrong and repeated on my credit report. I have called the collector agency ATG at XXXX XXXX XXXX today and left a message ext XXXX. The account is listed to be opened on XX/XX/XXXX and last time reported on XX/XX/XXXX for the amount of {$140.00}. The other amount {$170.00} indicates to be opened on XX/XX/XXXX and last reported on XX/XX/XXXX. 
The person from XXXX XXXX was able to provide me with the information for {$99.00} from ATG-account # XXXX. She had no record of the other amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On the advice of our supplier, XXXX XXXX XXXX XXXX, we opened an account with Chase Bank, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX. Phone XXXX XXXX XXXX. We deposited funds and made several transactions. XXXX XXXX is also a Chase customer and they have several accounts with Chase. 

Then we got a letter from them stating that they were going to close our account on XX/XX/XXXX. No explanation was given. 

We had an invoice due to XXXX XXXX, one of our suppliers, for {$180000.00}. We first made two attempts to wire the funds to XXXX XXXX XXXX XXXX but Chase denied the wire transfers. So we wrote a check to XXXX XXXX XXXX XXXX, for {$180000.00} and overnighted it to them on XX/XX/2018. 

Today we have been informed that Chase returned the check, even though there were funds in the account. They refuse to deposit the funds in the XXXX XXXX  account, even though both accounts are Chase accounts. They refuse to return the money to us by either wire or overnight mail with a certified check. They state that it will take up to 10 business days for them to honor the funds and return them to us, despite us having written the check 8 days ago. 

They suggested that we drive to XXXX to retrieve the funds, which is a 10-hour round trip. Not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: SANTANDER HOLDINGS USA, 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 information incorrect

Complaint:
I have had XXXX separate disputes regarding loan information being provided by Santander. In each dispute Santander had to update change or correct multiple fields each time. XXXX XXXX  of the changes were to the same fields. Dates and amounts of payments, principal remaining, interest rate, payment history and others. In XXXX XXXX XXXX my principal balance was reported as {$0.00}. The following month it had ballooned to {$12000.00} directly affecting my credit score. The principal owed and payments amounts and dates have been changed or corrected XXXX times. The same fields were corrected XXXX or more separate times. It has directly affected my ability to secure financing. Another financial institution advised me to check the reports being made by Santander. The repeated false information and inability to provide correct information about same items and having to change these items so many times is breaking the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Home Point Financial Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Homepointfinancial.com is mismanaging escrow accounts. They are not paying taxes or insurance on time. I have received threatening letters from both my local tax office and threats of having my insurance canceled. The mortgage company received all of my payments on time but still did not pay my insurance or taxes on time. At this time, my insurance has not been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Branch Messenger, Inc.
State: GA
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 reported unauthorized charges on my branch bank account as soon as I noticed funds were missing. My funds were drained unauthorized and trusting in my financial institution to help with this, I called in and disputed the charges. I tried keeping in contact, uploading new documentation etc but the bank never responded or answered their phone calls with me waiting an hour on hold many times. I then received an email saying my disputes were not ruled in my favor. They gave me reasons such as seeing the funds were used to my benefit. How were the funds used to my benefit if I didnt use the funds? I provided multiple documentation to prove my side, showing I did not authorize these charges. I provided many things, correspondences etc. the bank replied saying sorry but were basically still ruling the dispute not in your favor. I was already iffy of this bank when I first got it but had no choice because its who my job banks with. Now my money is gone and this bank is responsible! They did not throughly investigate to give me a proper solution about my money being used without my permission! 
They have no reasonable reasons as to why they ruled the disputed not in my favor. I truly think this bank is a scam! They have basically stolen my money by denying my claims upon reasonable documentation I provided to them!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Two saving accounts, one for each of my grand children at Wells Fargo XXXX XXXX XXXX, XXXX Florida. They could not find them when I went to put more money in them. They told me to check corporate. They were not there eiher I was told. It has been 7 years back. I left the accounts alone because they did not want to help 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 2020-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 the cardholder for a XXXX XXXX Store Card Account in 2018. I paid the card off with no delinquency or late payments and I did not use the card thereafter. I reviewed my credit report and noticed that the Account was indicated as closed, {$0.00} balance paid. 

My legal team advised that although the card is paid to it's entirety, because I have a short credit history this closed Account impacted my score negatively rather than improved it so I was urged to contact Capital One directly to request a deletion letter or have the bureaus update the credit reports to reflect a {$0.00} balance only. I recently spoke with two representatives who stated that Capital One does not offer goodwill/deletion letters but a {$0.00} balance letter and Account Closed letter can be provided. 

I know the company XXXX XXXX, has went out of business in 2018 therefore the card was no longer active. However, the reporting to the bureaus affected my score and this blemish needs to be erased. I have proof and the credit reports to prove that that the card was paid on time and satisfactorily.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are addresses on my credit report that do not belong to me that I have never lived at. My ex-wife is the only person that resided at those addresses so therefore I believe she might be using my social security number or my credit resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Metro Collection Service Inc.
State: CO
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 havent had a credit card in over 15 years this is not mine, furthemore it is not listed on my XXXX  but is still on XXXX, and XXXX, this has been with 4 other debt collection agencies and was removed but continued to be listed over the last 10 years and presently shown closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I looked at my credit karma and I see where Equifax has taken XXXX points from me all because a collection came off my credit report and my credit card balance increased by {$31.00}. This is just wrong. My score should have went up not down and surely not XXXX points. Equifax is pushing me for getting my credit on the right track,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Navient Solutions, LLC.
State: WY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX i was informed from my parents that Navient loans from the department of education called. They left a voicemail stating that i was past due on payments from their department ; stating that i was supposed to start making payments the beginning of XXXX. I am in the military ; when i left for the military it was in an agreement that i would be on an XXXX XXXX military deferment until XX/XX/XXXX. Since being in the military i have taken college courses paid for by the XXXX XXXX. Being that i have taken college classes, Navient reactivated my student loans. I never received any mail from Navient. They said they have sent me multiple emails, emails which where being sent to an email used by XXXX XXXX XXXX College ; which i no longer have access to. After receiving the voicemail on XX/XX/XXXX I called Navient immediately. They fixed my missed payments and put my account on hold until XX/XX/XXXX. The next day I checked my credit score,  seeing that my score dropped from XXXX down to XXXX, due to 90 days missed payments. I called Navient customer service, explained the situation. Then I was transferred again to the military department within Navient. I again explained my situation with the credit report, not receiving emails, only receiving the one voicemail left on our home phone number on XX/XX/XXXX. The customer service representative gave me the run around and said, there was nothing they could do to fix the issue once reported since it was accurate information. Now i am seeking help to solve this issue. If I knew student loans opened after taking XXXX  college courses, I would have made sure to pay them on time and not miss any payments. Since I was never notified effectively, I could not ensure that this was taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX was apparently bought out by Citibank. For SEVEN weeks we had no access to the account, nothing, no statement, no online access etc. Apparently none of the payment information transferred over where we had the account set up for auto pay monthly but NO one advised us of this and we weren't sent a new card in the mail to date. The new card will have a new number so there is no way to check on payments or get in the system to check on anything. I have been receiving collections calls from Citibank regarding payments I didn't make, except it is THEIR problem. The collections agent tried to collect for TWO months, even though the 2nd payment isn't due until XX/XX/18. I was then transferred to his supervisor since I am unwilling to pay a higher monthly payment that is high through XXXX and Citibank error and NO error of ours. XXXX employee number XXXX became condescending and nasty and attempted numerous times by PUSHING for a payment that isn't due until XX/XX/XXXX. I set up a payment for XX/XX/XXXX for a little more than the normal monthly payment but am still being harassed for a payment that is almost {$30.00} more than is due because of their late fee that they will only take off of the total balance but are still trying to collect on the front end. I was called via robocall at my place of employment to collect on something that was " late '' through no fault of my own. I believe I am due for these calls and treatment. They won't even send a NEW card at this point until I pay what they say as due but I have no ACCESS to my account. So I am filing for their unethical collections practices.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-07-18
Company: Continental Finance Company, LLC
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/XXXX I called the automated line with Continental Finance to find out my minimum amount due. This was after my account was locked due to multiple attempts trying to access my account online. Upon entering my credit card information, I was informed there was a XXXX minimum amount due. I have made several payments in the past early and was under the impression ( through their account information line ) I had already made the payment. 

However, in XX/XX/XXXX I received an alert through XXXX that my Continental Finance had reported me 30 days late. I immediately called Continental Finance. I informed them that the system had stated I had already made the XXXX payment. The customer service representative then informed me that my credit card had been canceled and a new card was being mailed. This was a precaution due to the XXXX data breach. Keep in mind, I never received a call, a letter or an email. They simply canceled my card without any notification. As a result, when checking my account for my monthly amount to pay the credit card number was no longer active so it reported me not late and XXXX due. After 2 weeks, I never received my new card. I called and Continental Finance stated they would send one out immediately. After 2 MORE weeks, no card. I called AGAIN and they stated that it was being mailed out. I do not feel that this is my fault and should not be held responsible on my credit report for 7 years when something was done without my knowledge that affected my credit. I have disputed it with the credit bureaus with no luck. I called Continental Finance and they said I am no longer able to dispute any misinformation since it has been over 60 days. 

I had to dispute another credit card company due to the exact same reason. As a result of my letter of Goodwill, they removed the late payment from credit report. I have mailed the same letter to Continental Finance without any luck.

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 2021-11-27
Company: TD BANK US HOLDING COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a Target credit card that was opened on XX/XX/2021. I added XXXX authorized users on to the account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021. They placed my account in a restricted status requiring me to submit documentation to verify my identity, which I did. I faxed them the requested documents in the beginning of XXXX. They claimed the faxes came through blurry and continued to demand faxes. I offered to email the documents, and they said for my protection, they don't accept emails. I told them I could send an encrypted email, they declined. I told them to cancel my account, and they refused. This is an FTC violation of a barrier to cancellation. I told them if they think I'm breaking some laws to contact the FBI. This is a {$500.00} credit card. This is insanity. I have a XXXX minute conversation recorded legally, as I'm currently in the state of XXXX, and also I notified the representative that I was recording the call anyway. She stated that it's their policy that they can't cancel until I do something extra. 

This is resulting in the following : Their customer base appears to be larger than organic due to barrier to cancellation. 
My credit report is being impacted, and will continue to be impacted permenantly due to this barrier to cancellation. 

The representative refused to transfer me to their manager claiming to be the end of the line, and so I'm coming for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account for JP MorganChase Bank ( credit card ) shows as charged off/closed account when this account was paid off. I contacted the company 2 weeks ago but nothing was resolved. The amouint paid to them for the pay off was {$1100.00} on XX/XX/2023 but somehow it shows as charged off/closed account on XXXX, XXXX & XXXX . 
Please see attached document showing paid to JP MorganChase Bank on XX/XX/2023 in the amount of {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX and 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 this item 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 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 2018-08-13
Company: SYNCHRONY FINANCIAL
State: PA
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:
On XX/XX/2018 I mistakenly processed a payment to PayPal Credit for the amount of {$1900.00} through my banks bill payer system. This payment was actually my mortgage payment on XX/XX/18 I was advised by my mortgage company that they did not receive monthly payment, XXXX XXXX XXXX advised me that PayPal cashed the check and I need them to refund the amount back to me. On XX/XX/18 I spoke with PayPal who informed me that a check would be sent out in 7-10 days.  On XX/XX/18 PayPal emailed me in reference to refund check that was never received per our phone conversation that day. On XX/XX/18 I spoke to PayPal again  about not receiving my refund check, they stated again that a check was sent out. On XX/XX/18 received another email in reference to refund check not received. Email states 24 to 48 hours for resolution, still have not received refund check on XX/XX/18. I feel I am being taken advantaged of by this company and have been more than patient but if this complaint does not resolve the problem litigation in small claims court will be my only other option.

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