BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-11
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Regions Bank - XXXX  XXXX Branch XX/XX/2019 I submitted personally a Revocation of POA - POA Agent 's name and information removed from my bank account and bank account access - To reflect the only person left on the account was my name only. 
XXXX Regions Bank- XXXX Branch XXXX XXXX XXXX- allowed the revocated POA- add herself BACK to my account without any notice to me and without my permission. Regions Bank provided an affidavit of Continued Validity to the revocated POA Agent- Which she signed swearing under oath of the continued validity of the POA. 
XXXX Regions Bank XXXX XXXX Branch- XXXX was withdrawn from my account - XXXX Regions Bank - XXXX  XXXX began the investigation on handling this matter and working on getting to the bottom of what happened and what needed to be done moving forward. The Legal Department was contacted and advised the branch on what to tell me - the consumer - this took several weeks. 

XXXX Letter from my home branch, Regions XXXX  XXXX Branch of the details found in the investigation of what transpired and why- I was informed that I would have to file a police report against the POA-Agent - and it was up to me to get money back from the person I had already removed from my account as well as legal Revocation of POA -submitted to the bank as well in XX/XX/XXXX, XXXX This is a violation on Regions Bank for not doing their job protecting my account, allowing an unauthorized agent to be added BACK to my account without my permission or any notification to verify these changes to my account. 

I have filed a police report and have submitted this back to Regions Bank- It is my understanding Regions should be at fault- the XXXX should be reimbursed into my account-and Regions should be filing report against the Fraudulent activity of the Revocated POA and the Regions - XXXX XXXX XXXX Branch employee for allowing this person back onto my account - Please let me know what I need to submit along with this since you request not to submit personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

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 2016-11-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Chase sent me an amazon.com credit card that I did not request. When I called to inquire, they asked if I had aver had a Chase account. I said that Chase bought my bank a long time ago, but that I had closed the account. They implied that the card may have been sent to me as a former customer. I asked that they close the account and they said that they would. When I checked my credit report a month later, it showed an inquiry from Chase ( dated before I received the card ) regarding a loan or credit application. ( The type of inquiry that could affect my credit. ) The card did not show up on my credit report one or two months after receipt. I am concerned that the inquiry could affect my credit rating and annoyed that I had to use two of my three annual free credit reports to be sure that Chase closed my account as promised. It also is annoying that I had to spend so much time on this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
We came to a agreement settlement in letter form kohls have to sign the agreement letter then I make the payment Im still not liable for the debt but Ill settle & pay XXXX $ just to get it off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
This is a new complaint. It stems from a prior complaint, number XXXX-XXXX. 

Its against capital one. I originally had a grievance against them. The case has been closed HOWEVER in the the response letter I have received thru CFPB Cap1 has taken the overbearing liberty of reporting my account status as DISPUTED to the bureaus. This wasnt done with my permission. I will attach the letter below. This will prejudice me.

I request Cap1 immediately cease this unauthorized action as this will further damage my FICO score which is why I initiated a dispute in the first place. Further they did not investigate properly. Again I request they do not touch my credit file by initiating a fake dispute with the bureaus. 

I have called the number listed on their response letter XXXX and the automated system just tells me theyre too busy to take my call and hangs up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-12
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Late fee

Complaint:
Chase credit card services charged me a {$15.00} late fee before my bill was due. When going to pay my bill via phone on its due date, I was told my amount due was {$110.00} instead of the {$99.00} it should have been. Looking at my statement on my phone, I noticed a late fee charge. I asked the person on the phone what this was for and they said for paying my bill late. The lady on the other end got unpleasant when I questioned this tactic and how could they bill me for a late fee if it is being paid on the day it is due? Upon notifying them via online about this issue they credited it back to my account, however they did nothing to resolve the issue on why this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I made an incoming transfer of {$40.00} from the XXXX Bank to Chase to cover the outbound transfer for {$60.00} from my Chase checking account using Chase QuickPay service. The available balance on my Chase chasing account after the transfer was shown to be {$65.00}. Thereafter, I made an outgoing transfer from Chase to my daughter, XXXX, for the amount of {$60.00} on XX/XX/2016 to her Chase checking account to help her make a payment to Chase credit card. After the transfer, the available balance on my Chase checking account was {$5.00}. However, the next morning on XX/XX/2016, my account was overdrawn by - {$28.00}, because my account had been assessed a non-sufficient fee for {$34.00} for making that outbound transfer. Immediately I contacted the Chase representative asking about the fee. I was told that when the {$40.00} incoming transfer arrived to my Chase checking account from the XXXX bank, it was beyond the cut-off time of XXXX Central Time and that I did not have enough funds in my account to make the subsequent transfer of {$60.00} to XXXX. I told the representative that my available balance was shown to be {$65.00} before I was allowed to make the outbound transfer for {$60.00} using Chase QuickPay. However, she was unrelenting and refused to reverse the non-sufficient fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-15
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Chase did a loan modification for my account on XXXX 2010. I lose my job in XXXX 2010. I filed chapter XXXX in XXXX of 2010. Chase sent a proof of claim in the amount of XXXX stating this is for XXXX, XXXX, XXXX and cost and fees. Which was incorrect because I had a loan modification on XXXX 2010 that include cost and fees. At the time of the chapter XXXX I only owe for two months and current month. These fees are foreclosure fees, Lawyer fees, and other fees. All these fees was included in the loan modification. In the state of Louisiana you have to be three months behind and have to give notice to the foreclosure. I did n't got any of these. Also my lawyer confirm that I was not in foreclosure. Chase change me for fees that was include in my loan modification. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: CNG FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
First complaint- I applied for a loan online at https : //www.checkngo.com/apply-now/ on XX/XX/XXXX. I got an email to take my verification documents into the branch on XXXX and XXXX in XXXX Ca. I did so on XX/XX/XXXX. When I get into the branch the teller is asking me application questions all over again. I told her that I had already completed the application online. She stated she needed to ask me the questions again. So she looks at all my documents and then I get a notification from my credit monitoring service that she ran my credit again. I asked her why she did that when my credit was already run on XX/XX/XXXX when I applied online, she stated she had to. I told her I did not give her permission to run it again. 
Second complaint- when the teller entered my banking information for the auto payments she entered the wrong checking account and not the account I specifically told her to take payments from. The first payment came out of an account I did not give them permission to pull from and it overdrew the account, for which I was charged a {$29.00} fee for. 

Third complaint- The account has never been paid 30 days late. But in XXXX XXXX I get a notification that Check N Go/AXCESS FINANCIAL is reporting the account as 30 days late as of XXXX. I called the local branch and spoke with XXXX the manager and was told to contact corporate at XXXX. Corporate had no idea what I was speaking of but took a message and said someone would get back to me. I never heard from them again. Then XX/XX/XXXX, I get another notification saying the account was reported as a charged-off account. I called and spoke to the local branch again and was told they call the district manager about the reporting and get back to me. No call back from anyone. So I disputed the account and the outcome was the status was changed to an open account but they did not correct the payment history. So I disputed it again ; results pending. 

Because of the incorrect reporting, I was not able to apply for a lower interest loan to pay off this unconscionably high-interest loan with Check N Go/AXCESS FINANCIAL, My credit score decreased because of it and they are violating my rights as a consumer in many ways as read in this complaint. They have falsified the notes on my account saying they have called me every day this month and sometimes twice a day when they have only called me twice in the last 30 days. Both times they spoke to me about late payments never about my complaint about their incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: CITIBANK, N.A.
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I acquired home loan through XXXX bank written to XXXX XXXX mortgage in XXXX. I subsequently refinanced in XXXX. Citi Mortgage acquired XXXX XXXX  mortgage and my loan was transferred to Citi Mortgage. I paid off the loan with Citi in XXXX. Citi released the lien on my house for the transferred loan. But they did not release the lien from XXXX loan from XXXX. Even though I paid off my loan in XXXX, I still have the lien on my title from XXXX which Citi Mortgage and XXXX XXXX  should have coordinated to release. 

This is a huge road block to close my house to the buyer even though I paid off my loan in XXXX. I made lot of arrangements in my new location anticipating that we will close the house per our plan. 

Please help to resolve and get me the release documents needed as soon as possible as I am in a time crunch to close the house. 

Appreciate your help! 

Actions : XX/XX/XXXX : Called XXXX Citi Mortgage number and it went to automated message which said there is no customer service, but directed me to send an email to XXXX. 
XX/XX/XXXX : I sent an email to XXXX requesting help to resolve. But there was no acknowledgement or further information request. 
XX/XX/XXXX : XXXX XXXXXXXX XXXX company based in XXXX, XXXX working on my behalf and the buyer 's behalf to close the house to the buyer- sent an email to XXXX attaching the deed of trust, Substitution of trustee and the title insurance details. 
XX/XX/XXXX : I got hold of one of the Loan officers who helped to work with lien release team and resent the deed of reconveyance from XXXX. But we are looking for deed of reconveyance from XXXX. 
XX/XX/XXXX : I am still trying to figure out how to get the document ( s ) needed to sell and close my house to the buyer.

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 2017-05-27
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I have made multiple attempts to get this resolved with  Ally Financial  previously  GMAC. They  have removed the item and then it reappears on my credit report sporadically. The vehicle was turned in on-ti me in XX/XX/XXXX .      O n  XX/XX/XXXX   @   XXXX   XXXX  . I contacted  GMAC an d the  XXXX   XXXX  corporations about this opportunity.     I later reviewed my credit report and to my dismay o n  XX/XX/XXXX   @   XXXX   XXXX  . I reached out to  GMAC /  XXXX   to attempt to resolve.     O n   XXXX   XXXX   XXXX   ;   XXXX   XXXX  the President and CEO  of GMAC was contacted and claims to have attempted to reach me of  which I received an email after providin g four contact n umbers of which to reach me. Email was sent to  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 2022-08-15
Company: EQUIFAX, INC.
State: GA
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  account, XXXX has violated my rights Th Hippa law I did not sign a HIPPA release letter for my personal information to be released 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 ( Original creditor 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 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 2022-07-15
Company: Experian Information Solutions Inc.
State: CA
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:
Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, and XXXX XXXX  XXXX XXXX. XXXX Date XXXX XX/XX/XXXX XXXX {$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 2018-01-29
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX is saying the opened date is 5 years later then it is also reporting I owe more then XXXX origanilly sent me letters to pay also XXXX  can not verify this debt is owed after bankrupcy 10 years ago i feel they have purchased a debt that should have been discharged in bankruptcy but purchased debt never verified debt and now reporting it is a new debt owed I have no debt from this company or any affliated company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

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 2017-05-27
Company: PNC Bank N.A.
State: NY
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:
On X/XX/17, I was informed after I initiated contact that my PNC Credit Card was " revoked '' six months ago in XX/XX/XXXX. I have been carrying a balance and I was in the process of paying it off. Each month, I was charged interest. This I understand, the interest that is. However, to remove my ability to use the card ( without notification ) and to continue interest charges is an exploitative practice. If I am to accrue interest charges, then I should be able to use the card as long as I am below the maximum balance. The notion that PNC can at-will re-evaluate any account ( without any sort of dialogue/notification ) is one-sided and wrong and consumers should be involved far more in this process.

Company response to consumer: Closed with explanation