BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX my account for chase was put on hold. I had no idea I only found out because I tried to log in to my bank app and it said it had been locked due to suspicious activity to call a number. I call the number and they inform that my account is being closed and the money in the account will be sent to me in a check. As you can see it as now XXXX second and still no check, even after being told multiple times that the check had been sent. I was told someone tried to deposit money into my account from somewhere in Arizona. Who that person is I have no idea, yet they tell me I needed that person to come into the bank with me to verify. I have repeatedly told them I have no idea who that person is. Whoever it was tried to deposit {$7100.00}. That money never hit my account, only reason I know is because I received a letter from chase saying my bank account had the funds removed into two separate checks on XX/XX/XXXX and XX/XX/XXXX. One check was for {$1200.00} which I have already received and the other check was for {$3400.00} which I have yet to receive, those checks combined obviously do not add up to {$7100.00}. Yet they said it is under review to determine which funds are mine. That review has been going on for 5 months and the money as already been taken out of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This account with USAA was closed XX/XX/2017 and charge-off as a bad debt, after 3yrs. a company called XXXX acct # ending in XXXX trying to collect this debt, this, wrong according to federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, a check to the Internal Revenue Service in the amount of {$2400.00} cleared my checking account, as shown in the online balance. I want to print a copy of this cancelled check to ensure that I am able to demonstrate it was paid. Unfortunately, Capital One has CEASED the functionality of being able to view or print a cashed check -- a problem exacerbated by the fact that they do not provide check images on bank statements. ( This is a Capital One360 INGChecking account. ) When I first called to complain, I was told this functionality no longer existed ; later I was told it was in the process of " being fixed. '' It's been at least two weeks and it has not been fixed. 
Moreover, when I called to ask for a copy of the cancelled check, I was told it would be mailed right out. It has been a week and the copy has not been received, which makes me question whether it in fact was sent. I believe banks that do not return checks with statements are required to provide access to images ; Capital One appears to be violating that rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
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:
These incorrect reporting accounts are adversely affecting my credit report and costing me tons of unnecessary interest every year, This is not a regular dispute I have also filed a complaint with the XXXX XXXX XXXX and federal trade commission because to my knowledge I do not recall any of these accounts. I need this problem addressed immediately and I should not have to wait another moment especially when it has already been 60 days just to receive a response because is clear you guys are just ignoring my request when you are suppose to assist me as a consumer. I demand these accounts be deleted immediately or I will have to file litigation for the stress you all have caused me. I read under Section 611 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly isnt that what the law states.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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: Old information reappears or never goes away

Complaint:
Ive disputed this on multiple occasions, now Im being told Im unable to dispute it. The account of XXXX XXXX is not coming off of my Experian dispute report. Ive tried on many times. Ive taken this off of my XXXX and XXXX reports but still nothing for Experian.At this point Experian themselves does not want to assist me l. I called on XX/XX/2022 and spoke with XXXX who let me know that I can not dispute this item anymore since Ive already tried to dispute it. I provided an FTC report for them to take it off yet they are reluctant to assist me. Theyve gotten to the point where they do not even want to let me dispute it. They do not have my correct information and Im not being told what is Experians process of verification but they wont even disclose. I want this taken off immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: CA
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:
I demand validation for these accounts validation means prove to me i owe this creditors by providing me with the original contract with my signature on it. nothing else is heresay! 


XXXX account no. is XXXX .... 
XXXX account no. is XXXX .... 
XXXX  account no. is XXXX ..... 
XXXX XXXX account no. is XXXX .... 
XXXXXXXX XXXX account no. is XXXX ..... 

if you do not have the contract delete all these accounts and pay me {$1000.00} for each violations of the 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 non-monetary relief
Consumer complaint received 2022-02-24
Company: DISCOVER BANK
State: AZ
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:
They closed one of my accounts with no balance on it due to inactivity. I have two accounts with them. One has a balance and one didn't. The last payment was made in XXXX of 2021 so the activity was less than a year ago. 

What they did is going to be very destructive to my debt to credit availability. It will cause my credit score to plummet. This is a snowball effect. Once this happens it will trigger other card to perhaps close accounts that I am not using and also cause other cards to lower my limit to my debt. This will send my credit score further plummeting. My current credit score is a XXXX. 

I rely highly on my credit as I am in real estate and work with lenders all of the time. I make my payments on my debt all of the time. I had a {$7800.00} credit limit with no debt on it. My card was not activated bc I didn't have it. There was no curtesy call, nothing. They emailed me XXXX hour before they closed. Then they say there is nothing they can do but have me reapply for credit. So I did. They denied me. Now I have another inquiry on my credit. 

They are going to cripple me for what I do in business by causing me a multitude of problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: ERC
State: NC
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:
I sent a verification and validation letter of debt to both ERC and  XXXX , letting them know that I knew nothing about the account on my report. They have refused to validate it with my last complaint. Then I take a look at the collections agency information, and it shows that they are not licensed to collect a debt in North Carolina. I notified the credit bureau and they send a letter asking for verification, when I have already verified my account with the appropriate social and ID. Which is the same one that I have used multiple times now they are saying, it does n't match my account. Just another  one of their stall tactics. The Collection account from " ENHANCED RECOVERY CORP '' needs to be removed and blocked from my credit report. Upon doing additional research it shows that this collection agency is not licensed and bonded to collect a debt in the state of North Carolina. This collection agency has n't been licensed since 2010. So m y question is, how is a collection agency that is not licensed allowed to collect a debt. Enhanced Recovery corp has violated my rights as a consumer, along with  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
To whom it may concern : The 53rd Bank is making continual harassing phone calls to me. When I answer the phone, customer service wo n't even answer the phone call. I am sick to death of these phone calls and want an end to this harassment right away. Thank you for pursuing this harassment charge against 53rd Bank. www.53.com is the website address. I really appreciate your investigating this for me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX IN XXXXLast XXXX of SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I open the account on XXXX XXXX With Bank of America XXXX XXXX XXXX XXXX XXXX the associate name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the account was closed {$830.00} XX/XX/2021 with out my permission I went ones to the ATM to take out some money from my account and it said account closed, talk to a associate inside the bank, so I did, I talk to a associate from the branch from XXXX XXXX Bank of America and he couldn't answer me what happened to my account and my money, he told me call the customer service line or make an appointment, I told him an appointment for what if you are gon na tell me same thing duhhhh, so I did call the customer service line and they answered that they didn't know what happened or who from bank of America closed my accounted but that I would be receiving in my mail a cashier 's check for {$830.00} in 7 to 10 working days, well I never received nothing then I called them again after a month and then they told me it would be 90 working days now, I said ok, well it's being a year now and I need and want my money, because I worked hard for it, it's not fair and not rite that bank of America is stealing money from the clients or keeping money, I almost lost my house and my car, I trusted bank of America with my money and what they do closed my account and mail my money some where else with out me knowing

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 2022-07-06
Company: Innovate Managed Holdings, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I tried to communicate with the company but it has not been possible. Since the initial company did a transfer of the loan to another company but when it went into my account with the new company it says that I owe much more money than I really do and I don't see the same payments applied to the loan. This has me very confused and concerned. I need to solve this as soon as possible so I can be calm

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Bread Financial Holdings, 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:
XXXX comety XXXX XXXX and XXXX XXXX  XXXX XXXX/XXXX XXXX after making a settlement with them, both items supposed to be removed from credit report and its currently showing on my credit. 

Credit were settle and paid and promised to be removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions

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 2021-08-23
Company: Phoenix Financial Services LLC
State: VA
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:
I filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: TN
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:
I bought a copy of my credit report and noticed alot of inaccurate information on it. I disputed the information and the Credit Bureaus stated that my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

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 2022-02-24
Company: EQUIFAX, INC.
State: AR
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection from XXXXXXXX XXXX, in XXXX XXXX I received a collection from a XXXX XXXX. I paid what I owe directly with the city. In XXXX it still show as derogatory mark on my credit score. I called the collection agency gave them all of my info of payment, dates & who I spoke to. Its XXXX now the collection agency has not reported the debt was paid off and the amount is different.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Augusta Collection Agency, 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:
I received a collection letter from Augusta Collection Agency regarding an alleged debt. I asked the company to validate the account ( i.e showing my signature on any kind of contract between myself and them ) and they sent back a letter stating that " services were performed at XXXX XXXX XXXX-you can obtain your signature there. '' Ok, fine I contacted XXXX XXXX XXXX and was told that the account was no longer in house and they could not help me. I sent a follow up letter to Augusta Collection Agency letting them know that XXXX XXXX XXXX told me to contact them because they ( XXXX XXXX ) no longer owned the account, it was sold to them. It's been several weeks now and no response for Augusta Collection Agency. I did what they told me to do which was contact XXXX XXXX XXXX and in turn XXXX XXXX XXXX told me that Augusta COllection has.own the file now. All I want is for them to provide me with a contract with my wet signature of remove these accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
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: Account information incorrect

Complaint:
This will be my third time disputing which the first time was in XXXX and the second time was in XXXX. The third time is in XXXX and I am requesting to take this account off my credit report for inaccurate information. The first two times they said they verified with the creditor that the account is verified and accurate. The third dispute is this month in XXXX of 2020. I took matters into my own hands and requested factual information from the creditor about the account and sure enough that there was proof inaccurate stuff being reported to my account. I even sent the credit bureau proof from the creditor and provided Experian with the account information that's being reported on my credit file that was given to me by the bureau inside my next dispute through mail. 

Balance on my credit report was showing as {$17000.00} dollars which is incorrect as I have proof from the creditor of the balance on the account which is actually XXXX. There is stuff that is inaccurate that Experian has had two chances to verify it. FCRA states that if any information is reported inaccurate it has to be removed from the credit report account # 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 2017-05-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I fell behind on my payments with  my Macys cr edit card. I received a letter saying that I cold qualify for payment solutions and to call before  X/XX/17    ( at that point the account would be charged off & sent to collection s ). I  called on the  XXXX ,  XXXX  &  XXXX  between the hours indicated on my statement and letter, but the I got a recording that they were closed. On the  XXXX , I got a hold of someone who was surprised & told me that they changed their hours, but did not update their letters & statements. She also told me that I actually had until the  XXXX , so I was ok. When sh tried to transfer me to the dept handling my situation, she could not get through and sent them an email to call me betwee n 24-48 hours.  I did n't hear from them, so I called on the  XXXX . I was later told that they had called me on the  XXXX , as well, but I had just missed the call. I was also told that it would n't matter because it was too late ( even though I told them I had until the  XXXX  ). The representative told me I had to pay {$210.00} dollars on the phone with him, to be able o roll back my account- so I can apply for the payment solutions. I told him that I called several times, that I had just received a call and that I was within the timeframe. He still declined to help me unless I made a payment. I told him I was going to file a complaint. I decided to call and try to make the {$210.00} payment, but the new representative said that it was not going to help me either way. I also received a letter dated  X/XX/17   , asking me to call for a payment solution- also with the wrong hours etc.

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