BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The credit card is through Chase Bank. I have a second card through chase bank that is now almost XXXX years old, however with the card in question chase continues to hold my payments. They say its because Im a new account which is not true. They refuse to take my current history with the other card into account, as a result they have held my last XXXX payments. I pay my bill in full every week, because I refuse to pay interest. However due to chase holding my payments not only do I not have my available credit line actually available where it should be, but these holds are now lasting 7-10 days. And let me make it clear the first card with chase bank I have did NOT have this issue, AND the checking account that I pay from has been in place and used for the last 2 years with chase. I can no longer tell what I do and dont owe to my card because their holds are are making it very vague. At some point I will miss something and be charged interest in this card, which Im feeling is the reason behind this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Regions Bank XX/XX/2017 took {$2500.00} that was legitimately mine closed my account couldn't give me an explanation only said it was someone higher up. I went in throughout the day to speak with the bank XXXX as he watched my total balance start from {$2500.00} down to negative throughout the whole day and tried to help me get access to my funds which in turn they frozen my account with zero explanation. I had zero charge backs nothing wrong with my account. But they put me at- {$780.00} and in turn it got me in bad with trying to get a bank account.

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 2019-06-01
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been disputing back and forth with experience, equifax and XXXX   regarding them reporting my finger hut account late since XXXX of this year 2019. This account along with my XXXX XXXX account is included in my bankruptcy that they all are reporting as being dismissed when it was never dismissed it is now awaiting closing from the discharge of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
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:
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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE THIS ACCOUNT FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2021-12-04
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Since XX/XX/2021 I have been disputing a chapter XXXX and a chapter XXXX Bankruptcy that has been appearing on my Equifax credit report but received a response that it was verified through the courts. I again disputed the public record entry on XX/XX/2021 and XX/XX/2021 to receive the same response verified and added that they purchased my information from a third party reporting agency called XXXX. I proceeded to write a letter to the Bankruptcy court and they responded by writing that they do not report to any credit agency nor do they verify information to any credit agency, I then disputed the information with XXXX and they in turn deleted the public record from their report. 
I have furnished the letter from the Bankruptcy court and the file from XXXX report but Equifax still refuses to delete these public record entries from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
XXXX yrs of payments not showing in XXXX report vs 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 2018-01-22
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 is missing that should be on the report

Complaint:
XXXX yrs of payments not showing in XXXX report vs XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
XXXX yrs of payments not showing in XXXX report vs transunion

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 2021-12-04
Company: American Coradius International LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
American Coradius International, LLC is sending me collection notices in the mail on behalf of XXXX to collect on my XXXX in XXXX acccount. I believe this is fraud. I dont owe XXXX XXXX money and while I have a XXXX account I do not have a XXXX in XXXX account. They are requesting {$670.00} with Reference ID : XXXX I have read this is a scam online and want it reported. 
The company is American Coradius International, LLC Telephone XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America Denied to open an account, I was discriminated against, I don't care if you have had accounts closed, do not decline someone to open a checking or savings account, banking practices, are wrong, seems like they only care about XXXX credit, stop discriminating against people with bad credit or closed accounts, these practices need to stop

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 2021-12-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The credit bureaus have over XXXX variations of my name collectively. I have never used any other names to secure credit except my legal name. In the history of my credit my report should only reflect XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I have not used any other names and would like to have my credit file updated. Within the XXXX  months that name variation increased on my 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 2021-12-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I submitted a request for debt validation to Portfolio Recovery Associates in accordance with FCRA regulations. Portfolio Recovery Associates failed to provide the necessary and required documentation to validate this debt, yet they failed to remove this derogatory mark from my credit reports as required by FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Experian Information Solutions Inc.
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 in my credit report a 30 days late in XX/XX/2018 XXXX XXXX XXXX account # XXXX.I have the account in autopayment .The late payment is incorrect.Please deleted the incorrect information.

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 2018-01-22
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I learned about XXXX from a television advertisement and I was desperate for help after my partner XXXX XXXX   so applied for a loan online. Someone from XXXX then called me to sell me the loan. He told me how much the loan would be each month and that it might be hard for me to repay but that if I struggled with the payment I could call him back and that he would work with me to lower the payment. I started struggling with the payment right away, but when I called XXXX back to get help they refused to work with me. Now I have to choose between making rent and XXXX   payments and can't make ends meet. I was almost evicted as a result. I also don't know who I even have the loan with. I spoke with XXXX to get the loan and they are sending me payment notices and demands. But the contract they gave to me is with XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
JP MORGAN CHASE BANK IS CHARCHING ME AN ABUSIVE FEE FOR WITHDRAWING FUNDS OUT OF MY OWN ACCOUNT. XXXX FOR A XXXX WITHDRAWAL, EVEN WITH FUNDS AVAILABLE IN MY CHECKING ACCOUNT. I UNDERSTAND THERE IS A FEE WHEN PULING MONEY AT ANOTHER FIANACIAL INSTITUTION USUALLY LESS THAN XXXX DOLLARS. I BELIVE THIS PRACTICES ARE ABUSIVE AND UNFAIR TO CONSUMERS. 

REPRESENTATIVE SOPOKE WITH AT XXXX IS XXXX XXXX AND THE COMPLAINT NUMBER IS XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I submitted a request for debt validation to XXXX XXXX XXXX in accordance with FCRA regulations. XXXX XXXX XXXX failed to provide the necessary and required documentation to validate this debt, yet they failed to remove this derogatory mark from my credit reports as required by FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: TD BANK US HOLDING COMPANY
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
TD Bank has twice turned down my claims for fraudulent charges made on my credit/debit card. I was informed it was because the purchases were made within 50 miles of my home and that they are similar recurring charges. I have never used that ATM or sent money using the service that was used ever in all the years I have been a customer with TD Bank. I have been a customer with them for at least 15 years. 
On XX/XX/XXXX I noticed charges on my account that I did not recognize or authorize. I immediately called TD Bank and filed a claim for over {$900.00}. There was an additional fraudulent charge for {$300.00} that was in the pending process so I had to wait until it went through to file a separate claim, which I did a number of days later. Please note that a provisional credit from TD Bank was issued for the {$300.00}, but not for the original amount. The fraudulent charges are as follows XX/XX/XXXX to XXXX XXXX XXXX  for {$200.00} XX/XX/XXXX to XXXX XXXX XXXX for {$300.00} XX/XX/XXXX XXXX XXXX withdraw at XXXX XXXX XXXX in XXXX for {$200.00} XX/XX/XXXX XXXX XXXX withdraw at XXXX XXXX XXXX in XXXX for {$200.00} XX/XX/XXXX to Square Cash for {$300.00} ( This is the charge that TD Bank issued a provisional credit for pending their investigation. The credit was issued XX/XX/XXXX ) As I stated previously I have never had any charges to these places before. 
I than went to my local police department, the XXXX XXXX Police Department and filed a police report for identity theft. This police report was immediately faxed to TD Bank the day I received it. TD Bank acknowledged to me on the phone when telling me my claim was denied a second time that the police report was indeed attached to the claim, so they have it and still denied the claim. 
I asked the supervisor at TD Bank, XXXX whom I spoke with to refile the claim. She said I would need new information to do so. I do n't know what to do. I am out over {$900.00}, plus the {$210.00} in overdraft fees that TD Bank had the nerve to charge me with after the fraudulent charges hit my account and items started bouncing all over the place. I am on XXXX and do n't have a lot of money so this is really hurting me financially. 
I have a print-out of the bank transactions as well as a copy of the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: HW Holding, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was admitted to the hospital and was never sent a bill before the amount was sent to collections. Once it was sent to collections i paid the amount due but they refuse to show a paid collection or remove the item from my credit report so it still shows a large balance for a collection thats been paid.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Back in XXXX, I sent a letter to XXXX and Trans Union ; asking them to investigate errors on my credit report. They have yet to respond, but they are supposed to respond within 30 days.

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 2021-12-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Select Portfolio Services is my Morgage company. 
When covid hit, my 3 hair salons were shut down taking my family income to zero. I called SPS and they offered 3 months deferment, said we will figure this out. After those 90 days I received a bill that all the differed payments and current month was due. I called and said I could not pay all that now can we put on back end, no. SPS told me not to worry applied for Morgage assistance that I was a great canidate. I said ok and applied and got all the required documents in asap. SPS would come back weekly asking for more documents, usually something I add already given them or explained. They asked me 10 times how much of the company I owed, I had written it on p & l and documents and it's on tax return 9 times before that. It felt, they were trying to push it out till I was so far under water that I could not pay the back Morgage if the modification was denied. I was finally totally reviewed and was denied for modification or repayment last week. I did an appeal it was denied with in 24 hours, saying this account is not available for appeal on modification. My loam is not owned by fredimac of frannymay, it is a private investor who says no. I don't feel SPS worked on my modification in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I tried disputing these Items through Experian and XXXX XXXX and they still wo n't remove or update. 
.Creditor Acct. # Standing Status XXXX  XXXX -paid in Full XXXX XXXX XXXX - Paid in full even before they put on my credit XXXX XXXX XXXX XXXX Paid in Full XXXX XXXX XXXX XXXX Paid in Full XXXX XXXX XXXX XXXX -Paid in Full XXXX XXXX XXXX XXXX Paid in Full XXXX XXXX XXXX XXXX Paid in Full XXXX  removed all of these since they are all paid in Full XXXX XXXX removed all except 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 non-monetary relief
Consumer complaint received 2018-01-22
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I do n't feel I own this loan I was enrolled in what i thought was free program that closed while i was attending the school. After a while i started getting bills and was not sure what to do or how to go about getting this issue corrected. In order to stop for getting a wage assign me i went into consolidation to stop this because I could not afford assignment. I asked for simple copies of signed documentation showing i signed for this loan. The company is claiming the school closed XXXX-91. I do not agree with that It closed while i was there. I 'm asking if their claiming it closed that date can the please provide their information. The school did not give me any closing information and missing paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX CITY OF XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$140.00} FST PREMIER XXXX Balance : {$520.00} XXXX XXXX Balance : {$15000.00} Inquiries : XXXX Date of inquiry XX/XX/2020

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 2019-07-16
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: Information belongs to someone else

Complaint:
The accounts on my report are not authorized and unrecognized.

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 2021-02-12
Company: CITIBANK, N.A.
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX XXXX, Citicards CBNAXXXX and XXXX XXXX. The Account Opened is XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00}. The Account Opened is Citicards CBNA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation