BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: AMERICAN EXPRESS COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
Unknown Inquiry on Credit Report. Violates 15 U.S. Code 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a request to Experian for verification on information reported in my consumer credit report pursuant to the Fair Credit Reporting Act ( " FCRA '' ) by providing me with a copy of the original agreement with my signature for both ( 1 ) XXXX XXXX XXXX with a balance of {$780.00} and, ( 2 ) XXXX XXXX collection accounts. However, it has been more than thirty ( 30 ) days since my request and I have not received the results,  requested documents, an updated credit report, or a confirmation that the request was received. I called Experian today and, per my phone call they have yet to verify XXXX XXXX and allegedly sent the results for the investigation on XX/XX/2020 but, I have not received any correspondence from Experian whatsoever.

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 2020-08-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I've been trying to stop the employee 's of this company to stop committing fraud they are all thieves. Yes I'm 100 % sure if they are stealing from me they are doing it to others credit card account I called them 3 weeks ago to close and send me a new account number I speak to one of them I give them my account number 5 minutes later they give me a Different number they can't even be honest liar after liar they can manipulate and change forms papers lie and more. I paid most of my last account money and they added 3 times more debt on top of it instead of amount going lower it went higher how good questions to ask them.

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 2016-04-15
Company: TCF NATIONAL BANK
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
TCF Back returned XXXX items on XXXX/XXXX/16 even though the money was in the account. Their reasoning for returning the XXXX items that total {$89.00} was because I had a pending item that as of today XXXX/XXXX/16 still has not posted. They charged me {$140.00} in overdraft fees even though my account balance was NOT negative. Their reasoning was they authorized the payment at XXXXCST on XXXX/XXXX/16 so since the charge was authorized, it MIGHT overdraw my account. Out XXXX check was deposited on XXXX/XXXX/16. Even though the bank was closed and the cut off time for my XXXX payment had passed and was not going to post. So in essence I was charged XXXX % more than my actual items. TCF Bank is raping their customers with this unfair practice. A pending item may or may not post, it could have been cancelled, it could be a temporary hold. You can not return items on speculation. I contacted TCF customer service and they were rude. They would only refund {$50.00} so I am still out {$98.00},. This unfair business practice can not be legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-17
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I have gotten numerous pre approved solicitations from Marcus XXXX XXXX Per their website and XXXX XXXX, I meet all the requirements for approval ( credit score and income ). I applied for a personal loan to consolidate my credit cards on XX/XX/20. Their website states that you will have a response or request for additional information in 1-2 business days. I had to log into their website and check my profile every day to see an update. I had to continuously call for updates and was told that it would be 1-2 business days for a response. By XX/XX/20 I asked for my file to be escalated. I was told they would reach out to me. I called again on XX/XX/20 and was told that a letter was mailed to me and there was nothing they could tell me. Basically my file was declined as soon as I complained. They said they were not able to tell me why it was declined and that I had to read the letter whenever I finally got it. Today I have gotten more emails with pre approvals from Marcus. This to me is false advertising and I feel they declined my application based on my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
Have an ongoing dispute with Chase XXXX since XXXX XXXX. It was regarding a breach of contract by a moving company, XXXX Men and a Truck. That part of the dispute has been settled. The other part of the claim was regarding damage to a XXXX hutch. Chase asked me for a copy of an " estimate '' to have it repaired. I faxed that estimate to them ( {$1200.00} ). The dispute was mishandled by being handled by numerous merchant dispute representatives ( at least XXXX different people called me from Chase and I have at least XXXX post cards stating my claim was being worked on and no interest charges would be applied to my account until it was settled ). On XXXX/XXXX/XXXX, Chase returned the {$1200.00} " estimate of cost '' back to the MERCHANT. I then provided Chase with a copy of my check dated XXXX/XXXX/XXXX where I had paid the furniture refinisher to repair the furniture. It was never a charge to Chase. Last correspondence from Chase was from a XXXX XXXX, Customer Service Specialist stating : " The disputed amount will remain on your account. Please follow the instructions for payment on your statement. Future correspondence from you regarding this matter will be reviewed, placed in your file, but no response will be sent. '' They absolutely can not get it that I paid with my check for the refinishing of the damaged hutch in the amount of {$1200.00} and that amount should have been credited to my account, not the merchant 's. I 'm at a loss as to who to turn to until I found your website. I hope you can help. By the way, I 've canceled my Chase account and cut up the card. Oh, and they 're charging interest on the disputed amount, which I believe is illegal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-27
Company: KEYCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2016 I went into my local Key Bank branch to withdraw {$4000.00}. I told the bank that I would like to deposit the cash into another account and provided the bank card of my partner, XXXX. The cashier called the bank manager over for an override authorization and he said, " before I can complete the transaction I need to know who XXXX is and why you are giving him money. '' I was shocked and asked why and was visibly offended by his question. His response - " I am just making sure you are making good choices with your money. '' I provided him with the information and after he entered his authorization and walked away I told the clerk that it felt very intrusive. Her response - " He is just looking after your best interest. '' As though I should be thankful that my bank is monitoring how I use my money. 
If I would have answered differently would I have been able to withdraw my own money? I felt extreme discrimination and can not understand how this autocratic behavior is acceptable at any bank in the US. The bank manager reviewed my account prior to asking me the question so I know he could see that I work for a premiere technology company and that I have significant accountability professionally. It was apparent to me that the only reason he felt I was not able to make " good choices with my money '' was because I was female. I assure you that I am very capable! 
I called customer service immediately upon returning home. After listening and empathizing, the agent told me there was nothing she could do since it had to do with client services. She said she could bring the topic up for discussion in a team meeting. She continued by saying the only way to file a complaint with Key Bank was to write a letter to a XXXX XXXX XXXX XXXX. There was no option for voice or electronic communication. 
I called trying to find client services and was directed back to the bank manager. I am starting to see why he felt so secure in the way he acted. 
I felt you were my last resort. Thank you for having a means to ensure Key Bank knows of the actions that are taking place in their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: AmeriCollect
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was sent to the hospital on XX/XX/XXXX. I was held for five hours and released. I later got a bill from XXXX that was very high so I called and told them I had insurance and they sent me the new amount owed which was {$120.00}. At the time I was struggling because I was leaving an abusive relationship and I had lost my well paying job because of this abusive partner. I fell behind with bills since the new job I had gotten was not as well paying as my previous one. I  needed to use what money I earned to catch up on my car payments and my auto insurance so I could still get to work. In XXXX of this year ( XX/XX/XXXX ) I paid the bill. In the pictures, it shows the amount owed. I had to tear the top portion off because since the hospital billing would not answer, I had to physically write my credit card information in and send it to them in the mail. I payed {$120.00} which was the amount sent to me by XXXX. It was the most recent bill and it said EXACTLY {$120.00}. I have received two collection notices from XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and I have spoken to them twice and emailed them proof of payment TWICE that I paid! I have a credit card statement PROVING I paid. Another debt collector is now harassing me for payment. Americollect sent me a bill yesterday ( XX/XX/XXXX ) billing me for {$660.00}! Im being harassed by TWO companies over a debt I paid THREE months ago! Im very upset and its stressing me out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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:
Credit card companies generally do not charge off accounts until they are 180 days past due. My Kohl 's Charge account was paid and brought current XX/XX/XXXX for {$13.00}. On XX/XX/XXXX I made another payment for {$39.00}, which was returned due to the account being closed. I did not receive a phone call, email, or letter notifying me of this, or I would have corrected it immediately. Kohl 's incorrectly charged an old bank account on file with them, one that had not been used for payments in over a year. The current bank account I was using for payment was also listed as the default account, so I would not have have made this mistake myself. On XX/XX/XXXX, the account was charged off. I called the collections department and they informed me it was not 113 days past due before the charge off, but XXXX. I asked how they arrived at this number, which is still less than XXXX, and they were not able to offer an explanation. I also received a phone call from the office of the president, by a lady under the name of " XXXX XXXX '' who also told me " even if we made a mistake, we will not be correcting this ''. This is an admittance that they do not adhere themselves to the fair credit reporting act ( FCRA ). If my account was in fact 171 days past due, it would have showed as such on my credit report. All of my credit reports show the same thing " XXXX XXXX of 90 days on XX/XX/XXXX ''. But the fact of the matter is 171 days is 9 days shy of 180 days that must pass for an account to charge off, and since I made a good faith payment on XX/XX/XXXX, which their computer system incorrectly pulled from the wrong account, it was in fact only 90 days. This also corresponds with the " 90 days maximum delinquency '' listed on my credit reports. 
Lastly, the payments I made on XXXX, XXXX and XXXX of XXXX are not reported at all on my credit reports. In fact, for those months, it shows 30 days late in XXXX, 30 days late in XXXX, 30 days late in XXXX, 60 days late in XXXX, which is not correct. It should not even show 60 days late in XXXX, as I made a payment for that month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I noticed a new collection listing on my credit report in the amount of {$960.00}. This debt collection was being reported by Phoenix Financial Systems and I had no knowledge of this account. I sent Phoenix Financial Services a Debt Validation letter by certified mail. I have yet to receive any type of response from the company. My tracking number with United States Postal service shows this letter being received on XX/XX/XXXX at 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 2020-08-17
Company: Experian Information Solutions Inc.
State: FL
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:
THESE ACCOUNTS LISTED WERE OPEN FRAUDULENTLY THEY DO NOT BELONG TO ME SOMEONE STOL MT INFORMATION TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2015-07-07
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I would like to file a complaint againist Navient formally XXXX XXXX. I went to school at XXXX XXXX XXXX of XXXX. My original loan was for {$35000.00}, now the loan {$100000.00} and climbing. We thought we paid {$17000.00} through a chapter XXXX bankruptcy which was to go againist the princle only, which did n't happen. A Navient representative say went toward interest only. I have XXXX student loans, XXXX is with XXXX the original loan was for {$14000.00} which is a government student loan ( fafsa ). I am on great terms with XXXX and have been. I have XXXX loans from my understanding with Navient still, XXXX the original loan was {$15000.00} and another for XXXX which are XXXX private student loans. All the paper I have been receiving from Navient in the last few months have been for XXXX loans. XXXX for {$14000.00} {$46000.00} Interest {$11000.00} {$58000.00} and XXXX {$15000.00} {$35000.00} Interest {$8800.00} {$44000.00}. It was n't until I called them and spoke to someone about the account that I learned about other loan for {$19000.00} which I have no paperwork for. I have not had any communication with XXXX since my bankruptcy nor has my dad in over 8 years. Now they are going after my dad saying owe them for the XXXX and are unwilling to work with us until we start making payments. I do n't know what to do and my main concern do we owe the full amount? Why are they charging us interest on a loan they do n't even own? They also claim to have changed us late fees and penalties on the account, but will not provide any information on what those charges are and how much? Can you help? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2020 I sent a certified letter to Equifax ; along with a data breach document regarding my personal information along with others were compromised from my previous school I attended and asked them to remove the following inquiries below : XXXX XXXX XXXX XXXX XXXX dated XX/XX/2020 XXXX XXXX XXXX XXXX dated XX/XX/2020 XXXX XXXX dated XX/XX/2020 XXXX XXXX XXXX dated XX/XX/2020 XXXX XXXX XXXX dated XX/XX/2020. XXXX XXXX XXXX dated XX/XX/2020 I advised Equifax to provide me with following information below to in fact confirm these inquires. In which they did not provide in the letter the mailed to me dated XX/XX/2020. 

1. Name and title of person who pulled my credit. 
2. Date they purport I gave permission. 
3. Method they purport I gave them permission. Please include documentation of said permission By law I have the right to request verification of any inquiries and if the creditor can not provide the inquiries need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I got hired on with a new company and had to set-up my direct deposit. I went down to the nearest Chase bank and asked for my account number and my routing number. They printed it off with no issues. I then took it and turned it into my new employer. Here comes Friday, ( payday ) and the money still has n't hit my account. I called my employer and they said they sent it out for payment early on friday, which I should have my money into my account by XXXX or latest by XXXX Friday morning. My employer went through and double checked that the account number and routing number were the same as the form Chase had printed out. They said it matched up. So then I called Chase customer service and they said the bank gave me the wrong routing number and that they could n't do anything for me because the money has n't gone through yet. So I talked to a Manger because this is XXXX seeing how I got it from a Chase bank. I explained everything to her and she still said she could n't do anything about it. So my money is gone somewhere and I still have nothing. Chase is using every excuse in the book and not offering any fixes to this mess up that THEY did, not I.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have spoken with numerous representatives of EQUIFAX repeatedly regarding deletion of an unauthorized inquiry from my credit file with them to no avail. Specifically, on XX/XX/2020 XXXXXXXX XXXX   inquired into my EQUIFAX file without my knowledge nor approval and I wish it deleted ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: APR or interest rate

Complaint:
I am more than angry that an additional payment to my chase visa got arbitrarily split rather than where it was intended to go. I sat on the phone for 30 min XXXX with a rep who told me that in a very small window ( 3 days ) I could direct and make an extra payment to the highest balance. This did not happen. When I finally demanded to speak to a supervisor, XXXX XXXX, he had no idea why the amount was instead directed to two balances rather than the highest. He also had no idea how the amount of the split was calculated. He did n't know " what algorithm was used ''! Instead he kept saying that 's how Chase decides to do it. What kind of customer service is this?? Further, how is this transparent to the consumer?? How does Chase just decide what to do with my payments?!

Company response to consumer: Closed with explanation