BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported 2 fraud charges on XX/XX/19 for XXXX XXXX and I've received no credit as of XX/XX/19. They shut off 2 debit cards and left me without. I spoke with XXXX, supv who refused to give me her ID. I n ed ver received temp or perm credit. I got email saying I got letter but received no letter. It is taking 3 calls and an hour to place ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-24
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I was not advised that the loan that I had submitted an application for was collateralized by a vehicle but a personal loan. Having paid off a loan with this same organization in the past I figured that the same loan offering is what I qualified for. XXXX different people advised me that I was approved for the loan, but then " out of the blue '' I was told that the loan approved was for a secured product. I advised them during the initial conversation that I would not be interested in that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent them a police report case # XXXX confirming ID theft that has continued from XXXX ID theft ( or a new case of ID theft ). With items that did not belong to me. They did remove some items, but have not removed all items. I also sent them copy of bankruptcy papers from XXXX County courthouse advising the XXXX bankruptcy was dismissed at the fault of attorney ( and the judge noted in documentation i sent to them advising the attorney was at fault why bankruptcy case # XXXX was dismissed. The XXXX bankruptcy case # XXXX that showed filed by me XXXX/XXXX/XXXX ( WAS NOT FILED BY ME ) and in fact by the attorney ( I NEVER CONSENTED TO THE XXXX CASE FILED ). PLUS I SENT THEM COPY OF BANKRUPTCY FILE THAT STATES THE JUDGE ADVISED AND SCOLDED ATTORNEY FOR FILING A XXXX BANKRUPTCY WITHIN 180 DAYS ( WHICH BROKE BANKRUPTCY LAWS AND RULES OF THE 180DAY RULE FOR FILING BANKRUPTCY IN FLORIDA ) THE BANKRUPTCY PAPERWORK FURTHER STATED THAT THE JUDGE SUBJECTED THE ATTORNEY TO A " SHOW CAUSE HEARING '' IN REGARDS TO THE CASE IN WHY HE SHOULD NOT IMPOSE FINES AND/OR INCLUDING REVOKING ATTORNEY 'S LICENSE WHICH PROVED I NEVER CONSENTED TO XXXX BANKRUPTCY AND THAT SHOULD HAVE BEEN EASY TO VERIFY GOING ALSO ALONG WITH BANKRUPTCY LAWS FOR FLORIDA STATING THAT A XXXX BANKRUPTCY CANT BE FILED WITHIN 180DAYS FROM ONE ANOTHER. EQUIFAX ACTUALLY REMOVED THE XXXX BANKRUPTCY AND FOR SOME REASON ADDED IT BACK FEW MONTHS LATER WITH NO EXPLANATION AS TO WHY, NEITHER OF THEM SHOULD NOT BE ON MY CREDIT REPORT. I ALSO SENT NOTORIZED LETTER IN XX/XX/XXXX IN WHICH I ASKED UNDER FRCA SECTION 609 FOR THEM TO PROVIDE ME AN ORIGINAL CONTRACTS BEARING MY SIGNATURE OR DELETE AND THEY REFUSED TO DO SO. WHEN YOU CALL YOU SPEAK WITH SOMEONE IN XXXX WHO TRANSFERS YOU ALL OVER THE PLACE OR EITHER DISCONNECTS THE CALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
XXXX was grossly negligent in the handling of their consumer data resulting in the leak of my personal information. In order to protect my wife and myself we will need to pay {$60.00} total to freeze our credit reports. In the next two years we plan on finding a place to rent then buying a house. This will cost us {$120.00} a time to thaw then refreeze our credit reports ( not to mention any other new bank account/insurance/or loan ) just so we have the illusion of financial safety. I do not believe that any of the credit bureaus should be able to profit from being grossly negligent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Exeter Finance Corp.
State: GA
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:
GOT A PREAPPROVAL FOR CARD YET MY CREDIT WAS STILL RAN GIVING ME MULTIPLE HARD INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hello : Every month, CitiBank ( CitiCard ) takes {$20.00} out of my checking account. 

However, they can not tell me which account it is for, or how I can pay it off. 

It does show in my credit reports, and my bank has verified that it is Citi that takes out money, but Citi just does not have any record of me. 

I know the last 4 digits of the account, the amount taken out, and when the account was opened. 

I want to pay off the credit card ; that is holding me back from qualifying for a residential mortgage. 

I have contacted Citi a dozen times ; each time waiting for 20 minutes or more, and nobody can tell me anything about this 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 non-monetary relief
Consumer complaint received 2019-12-30
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being " reported correctly? Who verified these accounts? You have NOT provided me a copy ofANY original documentation ( a consumer contract with my signature on it ) as requiredunder Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful noncomplying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

CAPITAL ONE BANK USA NA XXXX Late Dates XXXX, CAPITAL ONE BANK USA NA XXXX Late Dates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Hi I applied for a capital one credit card on XX/XX/XXXX and notice they ran Equifax and Transunion credit report. I also notice there is XXXX joint account for Capital one dated back On XX/XX/XXXX for both accounts, XXXX acct with XXXX debt and XXXX XXXX. I never had an account with capital one and never sign under a joint acct with anyone. Capital one is a crook and out to damage consumer credit. They listed Cap One Bank on XXXX inquire and Capital one Bank USA on XXXX on XX/XX/XXXX each why did they run more than XXXX credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery keeps calling my house and asking for people that do not live here, even after I have told them there is no one here by that name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-20
Company: Army and Air Force Exchange Service
State: VA
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
had a credit card with the navy exchange that i got behind on payments towards the end of last year. I called them at the end of XXXX 2015 to start making payments on my debt because I was in a better financial position. I was told that a letter had been sent out stating I need to make payments or they would default on my acct I start making payments XXXX XXXX. I have called in every month after that to make my payment of {$210.00} dollars with XXXX of their representatives. I called them around XXXX XXXX to make a payment and I was advised that they sent me into default because they sent me a letter in XX/XX/XXXX of a payment plan that I had to sign and send back within 30 days. I have been calling in every month and not XXXX associate made mention that the letter had not been received. I was given the number to a 3rd party agency that marked up my acct 16 % I was to make payments XXXX and I was being charged up to XXXX a month in fees and interest on an acct I was already making monthly payments on. I then called back XXXX XXXX appx XXXX talked with XXXX who let me know that it was my fault I was in default in a raised voice telling me I should have had my father send me my mail since I am currently working XXXX and that it is not there problem if the letter did not reach me because they can not control postal mail being delivered. So regardless if i ever saw the letter or not they would have still defaulted on my acct. I responded saying that if an associate would have said something to me about the letter when I called in I could have given them an address to send me the letter and mail back to them. I was also advised that there associates not telling me about the letter or reading the notes on my acct was not in there control. My issue is that I was making payments to them every month calling them so it is not as if i was n't trying to pay my debt because i have been trying to build my credit back up. I am very offended with how this case was handled, and the tone of voice that i was talked to which was very rude which put me on the defense. These companies do and say whatever they want to people/consumer with no regard to professionalism.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/16 received notice from PNC Bank of delinquent account for XXXX. Contacted PNC Bank and received agreement dated XXXX XXXX, 2016 for payment of {$30.00}, which was accepted by PNC Bank for payment on account for XXXX/XXXX/16. Received letter dated XXXX/XXXX/16 from PNC Bank informing me the account was no longer permitted to be drawn on. This is not correct, PNC Bank entered into an agreement prior to the decision of XXXX/XXXX/16. Asking for account to be returned to unrestricted status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: MD
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 have inquires on my credit that was due to fraudulent information and have sent if over 30 letters to XXXX  and have not gotten any response.

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 2022-07-26
Company: EQUIFAX, INC.
State: MD
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 have inquires on my credit that was due to fraudulent information and have sent if over 30 letters to XXXX and have not gotten any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: AmeriCash Holding LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
AMERICASH continues to allow their 3rd party vender to take money out of my account every week unauthorized. I never authorized this payment or the last and they keep submitting these payments not even on the days I get paid. I want my payment information removed from this 3rd party vender the registered agent for this 3rd party vender as well as AMERICASH fir operating in Illinois because at this point these people are just using my credit card information as they feel and AMERICASH authorized these payments without my permission. Then you continuously send wage assignments to my job yet you ARE taking these payments. I have the screenshots  posted with this complaint yet your website states the last payment you received was XX/XX/XXXX when it fact you just took a payment on XX/XX/XXXX so if youre not taking thesepayments you have authorized someone to take them on behalf of AMERICASH. I dont even use that account any longer because you have given my information out to a company I know nothing about and they continue to use it at will. Who is taking these payments on behalf of your company as you have stated without your permission in error

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This bank charged me 3 overdraft fees when I only should've been charged one for the {$80.00} ATM withdrawal. I had two pending transactions totaling less than {$4.00}, the money had already been removed from my account it just hadn't been posted but they charged me overdraft fees for both transactions when they posted. How were there insufficient funds when the money was already removed from the account? No other bank does this. They also reorder transactions to trigger as many fees as possible. I've seen numerous complaints about this bank doing that. I've tried to resolve it 3 times now and they won't do anything it's ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX XXXX Account # XXXX, Date XX/XX/XXXX. XXXX  XXXX Account # XXXX, Date XX/XX/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. 

Date XXXX XXXX XXXX XXXX  # XXXX Date XXXX XXXX XXXX Account # XXXX Date XXXX XXXX  XXXX Account # XXXX Date XXXX XXXX  XXXX Account # XXXX Date XX/XX/XXXX - XXXX  XXXX Account # XXXX Date XX/XX/XXXX - XXXX  XXXX Account # XXXX Date XX/XX/XXXX - XXXX XXXX # XXXX XXXX XX/XX/XXXX XXXX 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 2023-03-15
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do not have an account with I.C. SYSTEM, INC, and they continue to report on my credit negatively. I did not agree for them to take over any debt. on XX/XX/23 they started reported a debt negatively on my credit and is affecting it greatly

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 2017-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I contacted Trans-union on XX/XX/2016 and advised that I was a victim of their inquiry issue and that I had never received notice from them, the customer service rep stated that I was not a victim of this and refused to remove the inquiries. I asked what method she was using to determine that I was not a victim and she refused to give me this information. Trans union is notorious for reporting incorrect information to consumers credit reports and will not remove the incorrect information even when it is brought to their attention that an error on their part was made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please see the remarks on my closed Bank of America credit account. I agreed to pay the balance in full in exchange for negative remarks to be removed from my credit file and so the account would show as paid in full. I filed a dispute so Bank of America could update my credit file and they did not. I called customer service directly to have the credit report updated and they said it would be updated to paid in full and it hasn't been updated. Instead, my account is showing paid less than the full balance, which is inaccurate. 

On XX/XX/2020, I contacted Bank of America 's collections department, and they again agreed to update my account to remove the negative data and show the account as paid in full. I also requested a written letter confirmation to show that the account as paid in full. They said the mail should be received in 7 - 10 days. So, I hope to have that available as evidence for the investigation.

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 2015-10-13
Company: PNC Bank N.A.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We purchased a new vehicle through a dealership and the dealership arranged financing through PNC Bank. The purchase occurred XXXX XXXX, 2015. The first payment is due XXXX XXXX, 2015. Today is XXXX XXXX, over 3 weeks from the date of purchase and PNC Bank has not sent us a payment booklet or loan account number in the mail. I called PNC Bank today, and they have n't even begun working on the loan yet ( it 's approved, but no paperwork has happened ). They can not give me a loan number over the phone, and without this information we ca n't make a payment. We had planned to make the first payment as soon as possible, but because they are dragging their feet interest is accumulating and we ca n't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: PNC Bank N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
yes I did not receive an item from a merchant I advised my bank PNC and they issued a temporary credit but reversed it. By law if I do n't receive something even though it shows delivered to a mailbox I have rights to protect me instead of them working the case they denied my claim and I provided them with proof and claim and tracking information

Company response to consumer: Closed with explanation