BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-05
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
> XX/XX/2020 I had a online deposit to my Chase checking account for XXXX from XXXX   XXXX. 
XXXX The XXXX XXXX  check was drawn off a Chase account > I live in XXXX, AZand the address on the check is XXXX Arizona > I received a notice that the deposit was put on hold and the funds would not be available in my account until XXXX XXXX. The message was vague and did NOT provide any concrete justification > I've attempted to call Chase 3 times and was put on hold for over 20 minutes each time after which I gave up. 
> It is my understanding Chase is required by law to make available {$200.00} within the first 24 hrs ; {$600.00} the following 24 hrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Collections : 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 XXXXXXXX XXXX XXXX XXXX Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Name : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Collections : XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX Inquiries : 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 XXXXXX/XX/XXXX XXXX Employer : XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Collections : 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

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 2020-08-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX I requested another investigation into my credit report and proof with documentation, instead I received a letter stating that my file will remain unchanged and was updated. They failed to provide proof and replied with they gather data from a third-party company XXXX. As stated before Equifax refuses to properly investigate this item and has failed to do so and has wilfully kept reporting this on my credit likes its states in the attached files they verified it in XX/XX/XXXX which was through a third-party company and failed to provide proof. They are in violation of the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyone 's credit report. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed they dont report any information to Equifax Credit Bureau, therefore this was has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Im demanding this public record to be removed from my account and the invoice provided for violations be paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: HYUNDAI CAPITAL AMERICA
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:
On XX/XX/2020 I filed a formal complaint with CFPB in regards to KIA Motor Finance. They inaccurately reported that my account my past due and delinquent, causing my credit score to drop 81 points. As mentioned on XX/XX/2020, KIA was in violation of the Fair Credit Reporting Act. I spoke with them in excess of 20 different times and each agent continuously told me that my account was in good standing. 

I never received notification via email, phone or postal mail. 

On XX/XX/2020 Kia responded stating that they have sent updates to the 3 major credit reporting agencies. 

On XX/XX/2020 - XXXX  stated that KIA has reported to them that the account the was 30-59 days past due and they are unable to honor my dispute. 

I need to this corrected ASAP since I am in the middle of escrow on my first home purchase and I would like KIA to honor their word and do as they say they will 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 explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, i have still account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$17000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: NC
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-24
Company: EQUIFAX, INC.
State: NC
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Capital One 360 charged off my account in less days than what is stated in my agreement. I made 2 deposit within that time and attempted to make the last deposit to satisfy the negative amount. 

This is end-year consumer manipulation used as a way to cancel Capital One 360 old agreements and place account holders under new agreements that is more profitable for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My identity was stolen me and my family will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED Companies listed below are reporting accounts obtained thru identity theft PENFED FCU

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: Experian Information Solutions Inc.
State: OK
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, # 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 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 2016-07-13
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I applied for a credit card with Macy 's in XXXX XXXX. In XXXX XXXX, I received a bill from a collection agency stating I owed about XXXX dollars on the credit card. I immediately paid that off with the collection agency and called Macy 's about the situation. I was flabbergasted and I stated to the Macy 's representative that prior to this, I never received a bill statement from Macy 's. The Macy rep informed me that my account was closed and it was nothing they could do, they had already sent it to collections. The Macy 's representative also informed me there was a return service address on the mail they sent out. However when I applied for the card, I included my address on the first line and my apt number on the second line. I received my products but never received my bill statement. I do n't understand how the collection agency had my full address but Macy had no idea what my address was but they were able to send my products out. Someone in the billing department dropped the ball because the ordering department was able to deliver my product with no worries. I then asked Macy 's if they had a copy of my credit application because I know I wrote my apartment number on my application. The rep informed me they did n't have my application on file due to the application being completed in the store. As a consumer, I always elect for paper bill because that method suits me and it serves as a physical reminder that I have a bill to pay. The product was only XXXX bucks, I incurred over XXXX dollars in interest and late fees. In XXXX XXXX, I had a XXXX credit score. I always pay my bills on time. I provided a phone number on my credit card application and no reasonable steps were made to get ahold of me. I apply for credit cards all the time and I ca n't remember each and every single card thus as consumers we are entitled to a billing statement to remind you that you have a bill due. If I had received the billing statement, I would had paid the XXXX bucks. Now my credit score is a XXXX due to XXXX derogatory indicator on my credit report from Macy. I have XXXX credit cards along with all my other bills I have to pay on time, all which I get billing statements for. This needs to be taken off my credit due to their lack of communication with the consumer of notification of a bill even due.

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 2016-01-25
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
I registered for Macy 's Citibank card in XXXX and made the purchase and also paid the due in full in the month of XXXX XXXX but it seems Citibank reported that balance is still due and reported it to my Credit report. I never received any mail or email stating that there is due on my Macy 's citibank card and finally it went to Charge-off. I got to know about this when i applied for a loan in XXXX. Then i called Macy 's for clarification but Macy 's creditcard staff was so rude and told me this account is closed and we do n't know anything about this and gave me debt collectors number and asked me to call them. When i called collection agency they simply said that you have {$250.00} due but we do n't have any other information. Neither Macy 's nor collection agency is telling me anything about these charges even though i have paid the bill in full. It has ruined my credit score. Macy 's staff should be able to tell me about this charge as when it was made and why my bill is not showing as paid. I even got my historical statement from my Bank which clearly shows that i have paid the Macy 's credit card. All i need is the information as why this due is present on my card and why i was not being informed about it until it was sent to collection agency. Any help regarding this would be very much appreciated. I 'm even willing to pay this back ( even i have paid the bill, still ) but i need someone to ensure me that it will be deleted from credit.

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 2022-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called capital one on XX/XX/XXXX about my credit card late fees. I explained to the manager that the bank that I was using for direct withdrawals had an issue. I had to go to my bank and close my account then I was issued a new bank account. I didn't find out until XX/XX/XXXX that my account payment was unsuccessful. I had been on automatic payment since XXXX XXXXf XXXX. These {$25.00} fees are just ridiculous, & over the top. The manager refused to wave my fees and told me that she could not explain why. Also in XXXX, I had this same issue that's why I put my account on auto draft. A representative told me in XXXX that Capital One allows 5 fees to be waived a year. Representative today, XX/XX/XXXX told me that more than one fee can be waived ONLY if it's on Capitol One fault. all she could say is that she was sorry the previous representative lied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I am not sure if this was obtained in store or online or of the amount at this time. I am continuing to receive harassing emails stating they are filing a arrest warrant and threats of being referred to an attorney. I have responded and noted that a complaint was being filed and not to contact me any further. 

Email address : XXXX Company : XXXX XXXX, XXXX, WY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was told that i was going to enter a service and receive a product but i never did. I entered multiple times which i contacted XXXX and XXXX  to cancel the payments but informed me that there is nothing they can do. Therefore i decided to file a complaint and i will also be filing a complaint with the FBI.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
The inspector said he found damages to the vehicles that were not true. they were charging me over {$500.00} for normal wear and tear of this vehicle. I declined making the payment for something that was normal wear and tear, Infiniti sent the account to a collection agency which I declined to make a full payment, we agreed on a settlement and I made the payment and infiniti put a late payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
After receiving a letter from CITI indicating that my credit limit was decreased, I decided to call the XXXX number provided in the letter to discuss the information contained therein. The XXXX time I called, I spoke to representative XXXX. Right off the bat I was given the impression that customer service is n't top priority for their service department as she refused to pronounce my name indicating it was too hard. Shortly thereafter I explained to her the sequence of events that took place and was instructed to hold while servicing notes were being reviewed. Once reviewed, the rep apologized and gave me the option to have my credit limit reinstated, but my cash advance amount to remain at zero. I was told by the rep that this was company policy. I proceeded to explain my anguish with a company policy that penalizes customers for technical issues and requested to speak with a manager/supervisor. I was placed on hold numerous times and waited roughly XXXX minutes before the same rep came back to inform me of how nobody was available to assist me at this time. I refused to leave my call back number and demanded to speak with a supervisor immediately. I tried explaining my discontent with the process at which time I was told that CITI is in fact a big company with a lot going on, insinuating that I should be more patient. At this point I lost all faith with the rep in question and decided to hang up and try back again, hoping to get another rep with a better skill set and stronger ability to perform his/her duties. Unfortunately again I came across the same scenario. At this point I notified the rep that I would be contacting CFPB with the aforementioned information. Here i am.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation