BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
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:
i have a chase freedom unlimited card and I decided to turn on automatic payments. When the due date finally came, it only paid a portion of the statement balance instead of the full amount. I didn't know of the error until a few days later saying when i got an email from chase charging me a late fee and noticed my credit score took a dip

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I had a small XXXX restaurant, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX phone XXXX, my cellular number XXXX XXXX XXXX my merchant number ( accept credit card ) with td bank usa - XXXX, their customer phone XXXX my checking number - ( XXXX ) I cancel their merchant service to accept credit card on XX/XX/XXXX, but I got charge {$5000.00} on XX/XX/XXXX, I didn't get any mail for notice. They told me I pose a min on debit/credit sale. But I stop already in long time ago. There is no reason charge such high fee no matter what, td bank help XXXX charge me {$5000.00} on XX/XX/XXXX, that is not right and legal, should send me legal document by cert mail to inform me and call me. 
I called td bank merchant service 2 times, they told me I need contract visa, I called XXXX  and disconnect my call. I email to XXXX. but no answer.

td bank and XXXX  had no right charge such high fee, please help me get back money, you can email or call me, help me get back money {$5000.00} which charge on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: ALLIANT CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I received a letter from Alliant Credit Union dated XX/XX/XXXX claiming that they will convert the hard credit pulls to soft credit pulls. They claim it would take 60 days to reflect these changes. It is currently XX/XX/XXXX and none of the changes have happened. It has been over 3 months and the credit inquiries still show up in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2022 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, Equifax, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public recordsXXXX XXXX Bankruptcy and accounts. 
My credit report is still reporting two XXXX XXXX. accounts, and a US bankruptcy account. Please see attached FTC Identity Theft Report. 
On XX/XX/2022, I sent XXXX, Equifax, and XXXX a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous anxiety, stress, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Everything started from the following dates the Month of XXXX ; XX/XX/XXXX up until XX/XX/XXXX with me making cash deposits into NFCU ATM in XXXX, Maryland in XXXX XXXX County ATM Machine. I stick to the same patterns every month by depositing cash into NFCU atm 's. I thought cash post instantly regardless of the time of the cash deposit 's. For at least starting from XX/XX/XXXX my bills were getting paid by NFCU, No return fee 's for my paid items, etc. when I made these cash deposit 's. I have an agreement starting back from XX/XX/XXXX with XXXX they 'll deduct from my husband and I joint checking account every two weeks when I get paid they 'll deduct on my pay dates {$41.00}. I never had a problem until XX/XX/XXXX, NFCU just decided to start start charging me return item fee 's. I stuck with my same process by putting cash within our checking account. I requested an audit on my account from NFCU Starting back from XX/XX/XXXX until until now regarding " All '' deposit 's made into our account. I requested in written through email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX XXXX office and NFCU Priority email box to complete an Audit on our account. I even spoke to XXXX XXXX on XX/XX/XXXX about requesting in writing an audit done on our account. As of yet I have n't received my information. I aso spoke to a supervisor through customer service on Tuesday, XX/XX/XXXX XXXX to make sure that my XXXX bill will be paid, if I did n't call to verify that my XXXX will be paid. NFCU would purposely returned that item and charge me a fee. The supervisor advised me that if a consumer makes a cash deposit through NFCU ATM before the XXXX cut-off time they will pay that item for you. I receiving mix signals from NFCU Employees saying different information regarding a consumer making cash deposits through the ATM machines. On, Tuesday XX/XX/XXXX, I purosley went into the NFCU XXXX Maryland branch around XXXX I asked the teller will my cash post to my account he said " Yes '' all cash depsoit 's post 's immediately going into the branches and using the NFCU Atm 's machines. So I feel that NFCU are performing unfair practices on consumer 's account 's so they can make money by purposely returning items to hit the consumer with {$29.00} fee ( s ). I do want my audit done regarding all deposit 's made starting from XX/XX/XXXX up until XX/XX/XXXX. I want them to return that {$29.00} back from XX/XX/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 2017-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid the escrow shortage according to escrow analysis received from mortgage servicing company and payment was not applied correctly. Mortgage payment did not adjust to reflect the correct amount once escrow shortage was paid. Mortgage servicing company re-analysed my escrow account, causing my payment to increase above the amount listed in my ORIGINAL ESCROW ANALYSIS STATEMENT.

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 2022-08-30
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2022 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, XXXX, and Experian are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX XXXX Bankruptcy and accounts. 
My credit report is still reporting two XXXX XXXX. accounts, and a US bankruptcy account. Please see attached FTC Identity Theft Report. 
On XX/XX/2022, I sent XXXX, XXXX, and Experian a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous anxiety, stress, and financial hardship.

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 2017-04-14
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I went to NFCU because I wanted to consolidate some major debt I had with some credit cards about a year ago, they gave me an super high Apr % which I have been struggling to maintain payments with. I reached out to my chain of command and was advised to reach out to them about using SCRA benefits which I qualify but they have denied me the opportunity to use that benefit. I reached out to all my other creditors with the same issue submitted my set of XXXX as requested and they were very helpful by placing me in the SCRA program which I have been able to manage payments. I hope something can be done to fix this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Please see the attached document. This is is not a duplicate. 

I have several disputes that point to XXXX XXXX XXXX. 

Please see attached document for several disputes included in one report as attached where the company XXXX XXXX XXXX has reported inaccurate data, or missing data, and malicious data. 

The complete complaint is in the attached document. 

XXXX XXXX XXXX is also reporting this collection as a regular tradeline account and they have failed to report this collection as a medical bill.

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 2020-04-23
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 belongs to someone else

Complaint:
ON XX/XX/XXXX I APPLIED FOR THE CO-VID 19 SMALL BUSINESS RELIEF FUNDING AND WAS DENIED DUE TO NEGATIVE ACCOUNTS ON MY CREDIT REPORT. I THEN THOROUGHLY REVIEWED MY CREDIT REPORT AND FOUND FIVE CREDIT CARD ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH ADDRESSES I HAVE NEVER LIVED AT. I HAVE NEVER OPENED ANY OF THESE ACCOUNTS OR EVER AUTHORIZED ANYONE ELSE TO OPEN THEM IN MY NAME. I HAVE NOT BENEFITTED OR RECEIVED ANY MONIES IN GOOD FAITH. I AM NOT LIABLE FOR THESE ACCOUNTS AND NEED THEM REMOVED PROMPTLY AS IT THEY ARE NOW CAUSING ME FINANCIAL HARDSHIP. PLEASE REMOVE THESE ADDRESSES AS I HAVE NEVER BEEN ASSOCIATED WITH THEM : XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA 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 2022-03-04
Company: GVA Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
https : //www.targetcashnow.com/ is a tribal lender loan. I was referred to them when I found out XXXX  had closed. I didn't realize the APR was 794.994 %. I borrowed {$800.00} and now I owe {$2900.00}. This should be illegal. 

I want an APR that is less than 25 %. I'd prefer to have the loan forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I just wanted to let you know I drop the ball about not responding back to the CFPB but I didn't stop disputing with the bureaus and these creditors. I have asked for documents to validate the debts that I have by sending me documentation. I have failed to receive anything. The agency should be making sure the account was accurate before putting it on my credit consumer report. Therefore, in my opinion the inaccurate information should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Do not call letter sent, phone call to stop harrassment, report to credit bureau, report to FL attorney general

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: Capital Credit and Collection Service, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection agency sent a bill to my house, but the bill had the wrong name ( Not mine ) for something I never purchased. I call the company and told them they had the wrong name. Sort of similar, but not really, to my name. They said they would just change the false name to my name, and I should pay! I have not done business with the company and owe nothing. 
I sent this info to you by letter, perhaps about 2 months ago.I received a letter from you with a case number. The letter was no help. I called your phone number, and got someone who said I did not have my e-mail or phone number on my letter, so nothing would be done. I don't remember seeing where those two were asked for. Anyway, the person I was talking with said to send that information back to you folks, which I did with my case number. Then I got a letter from you which looked as it was telling me how to file a complaint which I already have done. What do I need to do to get these people hounding me for money I don '' t owe off my back? 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
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: Investigation took more than 30 days

Complaint:
There is a bankruptcy on my credit that I had initially started but I did n't finish going thru with it and it has shown on my credit for 3 years. I have disputed with all  XXXX  credit bureau with no change to my reports.

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 2022-08-30
Company: EQUIFAX, 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:
The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am NOT requesting the itemized bill, I am requesting an instrument bearing my signature. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. 

By the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove and information that the creditor can not verify. I understand 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit 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:
They were not taking back ANY XXXX items. I asked for an exchange due to item being defective and stopped working on XX/XX/20. I could not take down off roof due to snow, weather conditions, and danger of injury. I asked for an exchange, store credit, or return to be made whole on product that does not work. Was told nothing they can do.

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 monetary relief
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX have violated my rights XXXX 

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 explanation
Consumer complaint received 2018-02-20
Company: AES/PHEAA
State: DC
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:
I am enrolled in the Public Service Loan Forgiveness program, and my loans are serviced by XXXX XXXX. 

I have a XX/XX/XXXX letter indicating that for the months between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX says I made 5 qualifying payments for some loan sequences, and 9 for the rest. However, I have a XX/XX/XXXX letter from XXXX XXXX stating previously that I had made 10 payments over that time period for each loan sequence. 

In addition, between XX/XX/XXXX and XX/XX/XXXX, in the XX/XX/XXXX letter,  XXXX XXXX says that I made 5 qualifying payments for all loan sequences over that time period. In fact, I made 12 qualifying payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: Experian Information Solutions 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:
The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am NOT requesting the itemized bill, I am requesting an instrument bearing my signature. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. 

By the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove and information that the creditor can not verify. I understand 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter

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