BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-23
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:
I contacted the credit bureau and companies reporting. I have never received any information. it's been more than 30 days. These accounts are inaccurate and i have no knowledge or obligation.

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 2019-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This complaint is related to the other complaint I have filed. I called the number given in response to my complaint by XXXX XXXX XXXX several times and was told only one man was allowed to speak to me and he was never at his desk. He never called back to arrange the payment of {$130.00} as offered. I never received anything in the mail from XXXX XXXX XXXX. The contact info I have is XXXX XXXX at XXXX ext XXXX and later was told to reach him at XXXX. Ive also tried calling XXXX/capital one several times. A woman named XXXX left her number as XXXX ext XXXX. She left the case number XXXX in the message. I have called that number daily, still unable to speak with her. It rolls over to another customer service representative. Twice I was told they have my address incorrect and I informed them of my correct address. On XX/XX/XXXX XXXX stated XXXX capital one had my address incorrectly listed as XXXX, Iowa. She said she was unable to change my address. On XX/XX/XXXX XXXX stated she updated my address to XXXX, Iowa. The last time I called I was informed by XXXX that XXXX capital one had re-purchased my debt from XXXX XXXX XXXX and I was being asked to pay {$390.00} again. On XX/XX/XXXX XXXX stated XXXX/capital one had my address as XXXX, Illinois-again incorrect. The {$130.00} was what I opened the store credit card with and the additional money is from late fees and charges for not paying the bill. They sent the credit card and all of the bills to an address similar to mine but in another city and then passed off this incorrect address to the debt recovery company. I have never received any mail from XXXX  capital one or XXXX XXXX XXXX. Over the course of this last year my credit score has dropped more than 100 points. XXXX  capital one again incorrectly updated my address as Illinois instead of Iowa. I asked them to send me anything just to prove that they had my correct address and show what exactly they wanted me to pay. I was informed by XXXX on XX/XX/XXXX capital one would not send me anything until I agreed to pay a settlement. I had to agree to a settlement that day and then something would be sent to me in the mail. I refused to pay {$390.00} as I am not responsible for their clerical error and continued incompetence. Damage has been done to my credit score and I was told capital one could do nothing to adjust that. I would be willing to pay more than the {$130.00} I owe if there would be some reassurance that my credit score would return to what it was before XXXX  capital one made this mistake. Please help me with this as it is frustrating and disheartening as I have worked so hard to achieve good credit scores in the hopes of obtaining a home improvement loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: Revolut Technologies Inc.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am writing to file a complaint against my financial institution, Revolut, for denying my right to a fair chargeback for goods/services not received. The transactions in question occurred on XXXX XXXX XXXX XXXX XXXX. I have listed them below along with the relevant details : Transaction : Date : Merchant : Amount : XXXX XXXX XXXX XXXX XXXX {$40.00} XXXXXXXX XXXX XXXX {$28.00} XXXX XX/XX/XXXX XXXX {$39.00} XXXXXXXX XXXX {$44.00} XXXXXXXX XXXX {$45.00} XXXXXXXX XXXX XXXX {$26.00} XXXXXXXX XXXX XXXX XXXXl {$26.00} XXXX XXXX XXXX XXXX {$35.00} XXXX XX/XX/XXXXXXXX XXXX XXXX {$25.00} XXXX XX/XX/XXXX XXXX {$34.00} XXXX XXXX XXXX XXXX {$27.00} XXXXXXXX XXXX XXXX XXXX {$47.00} XXXX Its important to note the billed XXXX XXXX XXXX ( XXXX ) because the merchant billed for these services that were not provided nor purchased, and each of the merchants listed I have never heard of before. 
Despite my repeated attempts on XXXX XXXX XXXX XXXX to resolve the issue with Revolut, they have continuously denied my requests for a chargeback. I firmly believe that as a consumer, I have the right to a fair resolution when goods or services are not received as promised. 
I have provided Revolut with all the necessary evidence, including proof of purchase and attempts to contact the merchants involved, to support my claim. However, their denial of my chargeback requests has left me feeling frustrated and unfairly treated.

I kindly request your assistance in investigating this matter and ensuring that I receive a fair and timely resolution. I believe Revolut should be held accountable for their failure to address my legitimate concerns and honor my consumer rights.

" I would like to point out that Revolut has repeatedly stated that they can not submit my chargeback due to card scheme rules. However, I want to clarify that this statement is incorrect. According to XXXX chargeback reason code XXXX, which falls under the 'Consumer Disputes ' category, the shorthand description is 'Merchandise/Service Not Received. ' This reason code explicitly states that the cardholder can dispute a transaction by claiming that they never received the merchandise or services they purchased. Therefore, Revolut 's assertion that they can not submit my chargeback based on card scheme rules is unfounded. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Bank of america has my account frozen and has been this way for a week. No one had reached out to me and when I call they provide me with no information. This has caused ne to be late on several payments where late fees have incurred.

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 2023-11-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute the validity of this account that you have been attempting to collect on my behalf, which I believe are time-barred under the New York State statute of limitations for debt collection. The account in question is : JPMCB Card Services As per my understanding of the New York State statute of limitations for debt collection, which is three years, the aforementioned accounts have exceeded the applicable time frame for legal collection actions. Therefore, I am requesting that you immediately cease all collection activities related to these accounts and remove any negative reporting from my credit files. 

Please note that I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Pursuant to the FDCPA, it is illegal to engage in any deceptive, unfair, or abusive practices in the collection of debts. Furthermore, the FCRA mandates that the information reported to credit bureaus must be accurate, complete, and verifiable. 

I kindly request that you take the following actions : 1. Cease all collection activities, including phone calls, letters, and any other form of communication, regarding the above-mentioned accounts.

2. Remove any negative reporting associated with these accounts from my credit files with all three major credit bureaus : XXXX, XXXX, and XXXX. 
3. Provide written confirmation within 30 days of receiving this letter that you have ceased all collection activities and that you will no longer report these accounts to any credit reporting agencies. 

Failure to comply with this request may result in legal action being taken against your agency for violation of the FDCPA and the FCRA. Please be advised that I am prepared to pursue all available legal remedies to protect my rights. 

I expect your prompt attention to this matter. Please consider this letter as a formal dispute and a request for validation of the accounts in question. I request that all future communication regarding these accounts be conducted in writing and sent to the address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting 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:
On XX/XX/2023 Capitol One opened an account and pulled a hard inquiry on my credit report without my knowledge and or consent. 

On XX/XX/2023 Capitol One opened another account and pulled an additional hard inquiry on my credit report without my knowledge and or consent. 

I have been a victim of fraud and requested to set a fraud alert on my credit report good for one year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-03
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: NATIONS DIRECT MORTGAGE, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am currently in foreclosure with a selling date of about 3 weeks from todays date. I have been requesting assistance and multiple modifications from my lender who has been making it very difficult. From the beginning of the default I have provided all the documents requested multiple times, and have been denied several times. Causing our mortgage late payments and fees to become unobtainable and impossible to catch up. We still have not given up and have tried everything possible and requested assistance right away but have been unsuccessful. This has also caused a strain on the relationship and a divorce is currently pending, causing a deeper hardship. 

We have tried to refinance our loan but due to the foreclosure prematurely on our credit report and late payments it has caused banks and other services to look the other way. Currently our home is showing as sold in XX/XX/2019 as a Foreclosure this is false advertising and has caused realtors and attorneys to obtain our personal information and allowed soliciting at our homes front door. 

We have reached out to a home save company who turned out to be predatory lender who took payments from us and we later found out they had not contacted our servicer at all. 

We have filed bankruptcy chapter XXXX last year in XXXX, the case was dismissed in XXXX due to the escalation of the arrears payments, We could not afford both. Since then the foreclosure has been sped up after the dismissal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Capital one XXXX XXXXXXXX has failed to show proof of this account to be mines. Under 15 US 1681b I give Capital One the right disclose any public information to credit Bureaus. This account is also a violation of 15 Usc 1692e false and misrepresentation of reporting to XXXX and XXXX. For this account has been damaging my credit worthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Factor Trust
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
The credit bureaus have violated my rights according to 15 U.S.C 6802 .A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. Who gave the credit bureaus the permission to share my information? 

Also 15 U.S.C. 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

The XXXX XXXX XXXX XXXXXXXX, has been sharing my account with third parties. 

Please send a detailed description to how the account was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LVNV Funding LLC Parked an illegal debt collection on my consumer reports account # XXXX and account # XXXX with out giving me notice that i have the right to dispute the debt? no notices at all. LVNV Funding LLC decided for me. Just parked an allege debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting 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 this creditors ( XXXX ) Account number XXXX, ( XXXX ) acc ending XXXX, ( capital one auto ) XXXX ending XXXX has violated my Rights. Under Act 15 U.S.C 1681 section 602 says " 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 ''. Under 15 U.S.C 1666 B. '' A creditor may not treat a payment on a credit card account an under an open and consumer credit plan as late for any purpose ''. Thus shall be updated immediately according to ordinance stated above, Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible. 
Thank You

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 2018-09-16
Company: Experian Information Solutions Inc.
State: SC
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:
Many complaints and certified letters to XXXX Experian and XXXX   requesting METHOD OF VERIFICATION of inaccurate information from XXXX XXXX. Attached is a Letter from XXXX XXXX Support Team requesting information from me that I believe is a mixed file. According to the FCRA I am entitled to a thorough fair investigation. The attachment supports that the 3 major CRAs and XXXXXXXX XXXX are not reporting and investigating disputes according to the guidelines of the FCRA.

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 2018-08-01
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage ( with my escrow account ) was sold to Wells Fargo 8 months ago and they have been mismanaging it ever since. I would like to get compensated by them for costs I incurred and time wasted due to their mismanagement.

-Wells Fargo didn't pay my property tax on time, incurring a {$45.00} late fee that came out of my escrow account -Wells Fargo didn't process the insurance document I provided them ( a few times ) and that caused them to buy supplementary insurance policy for {$1400.00}, which later they refunded to my escrow. Dealing with that took me close to two hours on the phone with them -Wells Fargo is miscalculating my insurance costs, resulting in my monthly payment being {$300.00} higher than it should be -Wells Fargo phone agent are providing very low level of service, most calls result in them needing to further research but they never follow up as they promise to. This results in me having to call many times.

-Wells Fargo refused to cancel the escrow on my mortgage. Despite the fact I made multiple requests to manage my own tax and insurance payment, in light of their severe incompetence in managing my escrow 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 explanation
Consumer complaint received 2023-11-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the debt collectors are calling about a debt for a card that was never owned or held by me, they call me on a day to day basis for it and i never owed the card account they asked for, i even requested them to verify the account but they still continue to call from multiple different numbers each call. I eventually checked on XXXX to see if it was on my file and i saw a XXXX XXXX XXXX  in which i disputed and they eventually removed the card from my XXXX  file since i had no connection to this account or debt. however, the debt collectors still harras me on a daily basis and attempt to take sensitive information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
I have two inquires on my report from XXXX XXXX XXXX on my credit reports one on XX/XX/XXXX and one on XX/XX/XXXX and I have never applied to XXXX and have no idea that it is.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected privacy, and confidentiality under the 15 USC 1681. 
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, 15 USC 1681 section 602 A states I have the right to privacy.

15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1681 C ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following information, or any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681S-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is innaccurate.

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 2023-01-23
Company: Paypal Holdings, Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My Venmo debit card was stolen on XX/XX/XXXX, which was reported to the company and the police. 

9 charges were made to the card for an amount close to XXXX dollars. 

I Notified the company when the charges were in pending status, they told me that to make the claim possible I had to wait until the status of the charges were completed, On the weekend I was notified that 7 of the claimes were denied that means that I am not gettig my money back Also there are 2 claismes pending to be resolved.

Company response to consumer: Closed with monetary relief