BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: LA
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:
Hello! 

I sent a letter to the credit bureau over a month and a half ago on XX/XX/22 requesting an investigation on my XXXX XXXX and XXXX XXXX XXXXXXXX accounts and have yet to recieve a response, mail or anything regarding these accounts in question. 

All I asked for was a validation of the debt ... a re-investigation! 

Please have them investigate these accounts or remove them from my credit report ASAP! 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was sent a check from someone online of XXXX and took a picture of what was sent and later on the amount was taken from my account and caused my account to decline I cant access it along with my parents cards declining.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
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: Account status incorrect

Complaint:
I have filed a complaint against XXXX XXXX XXXX XXXX or more times for this same issue. They falsely report payments as late then when a complaint is filed they admit it is wrong and remove them only to put the same information back on my account a couple months later. They are falsely reporting that I have XXXX late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I contacted Chase via the secure message center for a credit balance refund on XX/XX/2022. I requested the {$460.00} credit balance to be deposited to my Chase XXXX Checking account. On XX/XX/2022, I received a response that the refund had been processed. I was instructed to wait to receive an email within 1 to 2 business days with further instruction about how to deposit the funds into my checking or savings account. This email never arrived, not even in junk mail. The original response says " if you don't receive an email or if you do not accept the funds electronically within the timeframe specified in the email, a paper check will be mailed to the address on file within 7 to 10 business days from the initial request. '' It has been 15 calendar days ( 11 business days ) since my initial request and I do not appreciate Chase not fulfilling this simple request more promptly, especially for credit card customers with Chase checking accounts. That transfer of funds should be deposited easily. I personally believe they try to hold onto customers ' money for as long as they legally can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/26 mailed a letter to XXXX  for incorrect information

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 2015-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a XXXX XXXX Secured XXXX. The Card was opened XX/XX/XXXX. I put down a {$150.00} Security Deposit towards the secured card. XX/XX/XXXX I was 120 days late and owed {$160.00} XX/XX/XXXX. Without any notice XXXX XXXX applied my security deposit towards the balance of my account XX/XX/XXXX. XX/XX/XXXX I logged into my online account and made the required minimum payment due of {$160.00}. XXXX XXXX did not tell me my account was closed or that the security deposit was applied to the balance. XX/XX/XXXX the balance was XXXX. XXXX XXXX sold this account to Portfolio Recovery Associates. I have disputed this debt with XXXX XXXX, PRA, and all XXXX credit reporting agencies. They all respond that the debt has been verified pursuant to FCRA and is correctly reporting. My credit report incorrectly states the balance on this account is XXXX when it was XXXX. This account was closed by XXXX XXXX and Not at my request and while the account had been brought into good standing. They are incorrectly reporting that XX/XX/XXXX I was 150 days late when XX/XX/XXXX I made the minimum payment due of XXXX on XXXX five days before the due date of XXXX. The Account was charged off XX/XX/XXXX despite the fact the account was brought current XX/XX/XXXX. XXXX XXXX and PRA refuse to correct any of these egregious errors. All XXXX credit reporting agencies also have the proof of this account status and refuse to correct the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt originated as a XXXX XXXX credit card in XXXX and was discharged by a XXXX XXXX attorney in XXXX XXXX via XXXX XXXX Court ( Civil Division ). XXXX, a Portfolio Recovery Associates represented, called me this morning ( XXXX XXXX, XXXX ) and responded to the statement above by saying " this account was reopened by PRA in XXXX XXXX therefore I am still liable for an unpaid balance of {$1100.00}. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
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:
Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall releasing my information to a third party. 1. Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until the debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted immediately.

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: NAVY FEDERAL CREDIT UNION
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
For a couple of years I 've been able to exceed the max balance by {$2000.00} as long as the entire over limit balance is paid each statement. On either  XX/XX/XXXX  o r  XX/XX/XXXX  , I thawed my credit to apply for a personal loan with them which was declined. The main weighted reason for the decline was derogatory public information. I did n't know what this was so I checked my credit and there is a medical debt collections account for {$350.00}. Well, I had no knowledge of this debt and I 'm working to get it removed. I have received no written notice of debt and no one has contacted me regarding it  (  even from whatever the original company was  ) , it just showed up. Well, my card was over the limit ( but still within the grace period ) and they started declining charges a week later. When I called them they would n't acknowledge a grace period, would n't acknowledge a set grace limit ( which I had been told was {$2000.00} for me  XXXX .   I feel they are using the untrue collection information they obtained in the personal loan application ( through that credit pull ) and are using it against me on the credit card I have had in good standing for over 10 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: GOLDMAN SACHS BANK USA
State: FL
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:
I contacted XXXX regarding the credit card issued by Goldman Sachs. In my correspondence, I explained about billing error and asked them to send me documentary evidence for this account. 
They have responded with an email that does not address my correspondence to them. I have called them and no one seems to be able to assist or act like they don't know what I am talking about. 
I have also sent them an endorsed coupon which they received ( everything was in the same envelope ) They have not contacted me to let me know whether they will honor it or not, neither have they returned it, yet the balance has not been updated. 
They continue saying they are a paperless company and continue to violate federal laws, as 12 CFR 1026.13 ( a ) ( 7 ) clearly states the creditor must mail statements to the last known address. 
They have also received my billing error notice package and signed for it on XX/XX/2022 by XXXX XXXX at XXXX ( see attached ). On the email I received XX/XX/2022, XXXXXXXX XXXX they do not address any of the Billing Error Notice I sent, therefore this does not constitute as acknowledgment of the correspondence I sent as required by 12 CFR 1026.13 ( c ) ( 1 ). They also continue collection action on the disputed amount as of the moment I am typing this complaint, nor have they sent documentary evidence for this account as requested. I also requested them to refund all monies paid until this moment, and that has not been addressed either. I requested them to give me access to my open-end credit and I zero it out at the end of every billing period, and still they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have owned my land line phone number since XXXX 2015. In that time from XXXX 2015 to the present time, I receive up to six calls from Portfolio Recovery Service every week and sometimes four calls in one day. I block the number on my telephone but they have so many different numbers they call from, it is not possible to keep all the blocked numbers in my phone. I absolutely have no debt owing, and have never been delinquent in terms of financial monies owing. The first few times when I did answer the call, they were very aggressive and would not even provide their personal details, except to tell me I owe them something. 

Following is a small list of some of the phone numbers they are calling from : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Please help me stop these harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Had an escrow overage. Requested escrow analysis to get overage for property taxes but specifically asked for payment not to decrease as the first year 's property taxes were based on the lot value and would be grossly under estimated for this year, if changed. Received check. Payment lowered. 3 attempts to raise payment have been made. XXXX ext. XXXX Discussed increasing payment back to {$3600.00} on XXXX at XXXX. He is getting with the escrow department to get payment increased after the escrow analysis. Calling me back. Never received a call. Called Back and spoke with XXXX ( dialed XXXX 's ext ) on XXXX at XXXX. Was told by XXXX to call back on Friday XXXX to follow up. Asked why they can't call me? She said that the outbound calls are automated and she suggested me calling back to follow up. Offered to send the Closing Disclosure to verify estimated taxes. No go ( I have attached for verification along with the title work- Please note that this is not my XXXX when reading ). Why is there no e-mail or messages that can be sent back and forth to track progress?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Experian Information Solutions 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:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE IS AN ACCOUNT THAT IS NOT MINE. REFER TO THE SAME ACCOUNT, XXXX  XXXX-XXXX  # XXXX SHOWING DELETED BY XXXX. PLEASE DELETE THIS IMMEDIATELY FROM YOUR DATABASE. 
PLEASE FOLLOW SUIT AND AMEND ACCOUNTS ON MY CREDIT FILE AS THEY WERE NEVER LATE. PLEASE REFER TO THE PAYMENT HISTORY FOR THE XXXX XXXX  AND THE XXXX XXXX XXXX  ACCOUNTS WHERE THERE ARE NO REPORTED LATE PAYMENT MONTHS. I NEED THESE AMENDED TO SHOW NEVER LATE IMMEDIATELY IN ORDER TO CLOSE MY ESCROW BY 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 2022-07-15
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 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

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 2022-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I lost my XXXX  a month after I got my XXXX XXXX. I was making XXXX an hour. For the past 2 yrs. I have struggled to make my XXXX car payment every month. I have tried to refinance but my income didn't meet the income guidelines. I have had to have 3 defer payments with this vehicle. I'm jus getting further in debit with it. I am currently employed but with XXXX  and my hours and pay have been cut drastically. My auto loan is with capital one auto loan for the amount of XXXX a month. If u can help resolve this in anyway please feel free to contact me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: JPMORGAN CHASE & CO.
State: VA
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:
In so much that on XX/XX/2018 Chase XXXX did deny access to our account # XXXX ; and in so much that, per instructions on the web site, a phone call was placed to Chase customer service ( and that call was recorded ) to be issued a code for secure access ; and in so much that Chase customer service refused to issue such code ; and in so much that multiple secure emails have been sent, and received, notifying Chase of the cardholders blocked access to make payment ; and in so much that Chase has, after 3 business days, been unable to rectify and restore cardholder access as Chases customer service reports no ability to access said account ; the remaining balance due is hereby ( under both state and federal law ) exonerated. 

These finding as described are now a matter of record for the courts to hold should Chase pursue any legal action in any attempt to collect the remaining debt now exonerated to the cardholder. 

We retain proof that Chases web site permits unrestricted access to one of 2 accounts we hold, but does not permit access despite utilizing the same web site and identical protocol format. 

Furthermore, denied access to the cardholder is a breach of Chases terms and conditions. In addition, the cardholder now files with the following agencies relative claims as follows :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On  XXXX   XXXX  I received a refund check from  Santander Consumer USA.  The check stated the refund was for my  XXXX   XXXX   XXXX  I financed with them in   XXXX   XXXX   The check was in the amount of  XXXX  with a check date of   XXXX   XXXX   XXXX  . I calle d Santander Consumer USA to  verify that the check was accurate because I paid my car loan off with them on   XXXX   XXXX   XXXX  . I was advised by the representative that the check was accurate and I received the check for an adjustment that was made when my interest rate was lowered due to being on   XXXX   XXXX   XXXX  . On   XXXX   XXXX   XXXX   I deposited the check and spent the money. On    XXXX   XXXX   XXXX    I received correspondence from my bank advised that my account was charged back for the check in the amount of  XXXX  and a  XXXX  dollar return fee. My bank advised they were unable to obtain funds for the check because a stop pay was placed on the check by  Santander Consumer USA.  I contacted Santander on     XXXX   XXXX     and advised them a stop pay was placed on the check and the funds were spent. No one at the company was able to advised me of why a stop pay was placed on the check. I was advised that they would send a research request to the accounting department and I would hear something back within  three  business days. I never received a call back. Over the past two weeks I have been contacting the company to get them to reissue the funds. On    XXXX   XXXX   XXXX    I spoke with a representative who advised that he was informed by an individual in the accounting department that the refund was for a warranty that was canceled and the check would be reissued but they needed to confirm with  one  more person. On   XXXX   XXXX   XXXX   I received a call back from the same representative advising that the check was sent in error and the payment belonged to another account. I requested that the funds be reissued to me and the return fee amount in  XXXX  dollars because I verified the check with them and no one notified me that a stop pay was being placed on the check.     The business responded by saying they would not be reissuing the check in the amount of  XXXX  but they would reimburse me for the return item fee for {$12.00}. I have yet to receive any correspondence from them since I last spoke with the customer service representative on   XXXX   XXXX   XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-21
Company: Spring Oaks Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collection company keeps trying to contact me during working hours I am at work. This is impacting my work as I am seeing their phone number appear and its causing me XXXX  and for my XXXX to become an issue.

Company response to consumer: Closed with non-monetary relief