BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: CO
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a XXXX card through Comenity and the sole reason for having the card is for rewards. They had issues 3 months ago with their website being down and cards not being able to be used. Now, I have not received any rewards for over 3 months ( last date was XX/XX/2022 ). The sole purpose of having this car dis for the rewards and they are not delivering for a ridiculous, extended amount of time. Many people are having the issue with their vast array of cards getting rewards, a simple XXXX  search shows this frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: NC
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 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 2023-10-23
Company: Experian Information Solutions Inc.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
This item is identified as bankruptcy. The bankruptcy was dismissed. You need to remove this Bankruptcy from my record to make sure that I don't need to comply with my personal legal rights, which needs your conformity utilizing the law. Please delete this from my file. 
Bankruptcy XXXX XXXX-dismissed Filed on XX/XX/2017 Reference number : XXXX XXXX XXXX XXXX XXXX L A

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 2023-01-13
Company: EQUIFAX, INC.
State: PA
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:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have attempted to call MOHELA, my student loan servicer, for a week. I need to speak with a human being regarding a payoff amount. One would assume they'd be eager to collect their debt, and yet, the calls are either dropped ( after the caller is forced to listen to a three-minute, useless automated message ) or the calls do not go through at all. In a time when many people are concerned about Public Service Loan Forgiveness, loan cancellation, and the rising cost of just existing, it is unacceptable that this company is allowed to treat people in this manner.

The application for loan forgiveness is supposed to be released this month. Unfortunately, I have zero faith that I will get any results from this horrible company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
unauthorized transactions on chime account i disputed and canceled my card chime was told i would recieve a temporary credit until a decision was made and i never recieved no temporary credit, later on declined my disputes with no explanation i have reached out to customer service numerous times with no result XX/XX/2023 / XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 between the times of XXXX XXXX  CT, I was making a cash deposit of {$1100.00} USD at one of Bank of America 's atms. After the money was received and while the ATM machine was processing the deposit, the atm machine said there was an error, gave me my card back, then went back to the home page. I checked my balance and saw that my deposit was not reflected in my pending or current checking account balance. I was not given a receipt. I then immediately called the number on the atm and reported this issue. I was told they have the atm number locator where this occured. I was told a temporary credit would be added to my account while they investigate this issue. It has been over a week now and my account has not been credited for the money I deposited. I have called several times and they have been unhelpful. My rent is now 6 days late and building late fees at XXXX XXXX ( after the XXXX of the month ) because I do not have access to the money. At a time when I was recently laid off, this has wreaked havoc on my life and caused undue stress. If they would simply check the cash of atm they will see that their is a surplus. If they would just check the cameras, they will see that I did indeed make a deposit and the error was on their end. All I want is the amount I deposited, {$1100.00} USD, and late rent fees I've accrued because of their refusal to give me the money I deposited, which is currently {$60.00} as of XX/XX/2023.

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 2022-10-03
Company: JPMORGAN CHASE & CO.
State: CA
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:
My Chase Credit Card had a Due Date of XX/XX/XXXX. 
Chase received/processed my payment XXXX prior, on XX/XX/XXXX. 
Chase held that payment ( or lost it ) until XX/XX/XXXX. 
Chase charged me a Late-Fee/ {$29.00}. 
Chase found that payment, and apologized for the mishandling. 
My next billing requested a double-payment and the Late-Fee/ {$29.00}. 
I immediately complained, challenged that charge. 
Chase reversed the Late-Fee/ {$29.00}, but not the double-payment. 
( I proactively made a {$3.00} overpayment, without the Late-Fee/ {$29.00}. ) BUT, Chase has reconstituted that Late-Fee/ {$29.00} every month, only to reverse that Late-Fee/ {$29.00} the following month! 
Chase is holding my account without privileges until I pay the Late-Fee/ {$29.00} that I DO NOT OWE. 
So, please watch for this exploitation similar to the Industry Late Fee scheme that they had to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the credit reporting agencies ( XXXX, XXXX, Equifax ) for not properly responding to my demand for wet ink signature agreements in the investigation for verification of the accounts making claims on my report. 

I have been trying to dispute inaccurate information on my credit report for several weeks now. 

I have contacted the credit reporting agencies multiple times and have sent them demand for wet ink signature agreements requesting that they investigate the accounts making claims on my report. 

However, the credit reporting agencies have not responded to my requests and only updated the information furnished from the same entities that initiated the erroneous claims to extort money from me and further injure my reputations I am frustrated and concerned that the credit reporting agencies are not taking my dispute seriously. 

The inaccurate information on my credit report is having a negative impact on my life. 

I am being denied credit because of the inaccurate information. 

I am also concerned that the credit reporting agencies are not following the laws and violating my rights. 

The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to investigate disputes and to correct inaccurate information and report in accordance to my written instructions. 

The credit reporting agencies are not complying with the FCRA by ignoring my requests and demands. 

I am requesting that the Consumer Financial Protection Bureau investigate the credit reporting agencies for their failure to respond to my demands for deletions of the XXXX XXXX XXXX XXXX XXXX  all hard and soft inquires, and records of late payments including 30/60/90 day late payment reporting on the grounds that my signature consent was never garnished in the reporting of any of my information, my rights were never disclosed which wasted even more valuable time, and this very nature of the credit reporting practices being discriminatory, predatory, and defamatory ; which has led to adverse actions preformed against me, wasted time, mental anguish, significant financial hardship, and an unjust monetary benefit at my expense due to their cooperation with other companies to extort me by deceptively violating my consumer credit transaction rights. 

I am also requesting that the Consumer Financial Protection Bureau take action to ensure that the credit reporting agencies comply with the FCRA. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX : {$9100.00}

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 2022-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX Credit sold a debt to Portfolio Recovery Associates I have for the past 4 years requested the original application/validation demonstrating that I personally applied for this loan. 

They have not provided this documentation. The mailing address that they have was for my business. I did not apply or authorize this loan, I believe that an employee ( former husband and controller ) applied for the loan without my knowledge. 

They state that because there were payments made and that this is sufficient validation. I have requested documents related to the methods these payments were made by me ( ie check, another credit card ) which I have not received. 


In summary I believe that I should be able to obtain the original application and what form of authorization I made for this debt. 

I am unable to proceed with other action related to use my name and information fraudulently without proof.The negative report has impacted my credit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Home Point Financial Corporation
State: DC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Home Point incorrectly put lender-placed insurance on my account, causing my monthly payment to skyrocket. I emailed Home Point proof of insurance on XX/XX/XXXX, and on XX/XX/XXXX, a Home Point Insurance Processing Associate ( XXXX XXXX ) emailed me the following email : " Thank you for contacting Home Point Financial, also thank you for providing the insurance information. The account has been updated and the documentation has been saved in our system. The Lender Placed will cancel, you will received a letter and the funds that were charged against you will be refunded. '' However, Home Point has not refunded me the charges, and in fact, is still charging me for the lender-placed insurance. 

I have literally spent hours on the phone with Home Point trying to resolve the issue. During one call a few months ago, a Home Point representative assured me that I would receive the full refund in XX/XX/XXXX, after they do an escrow analysis which was scheduled for that month, and that my mortgage statement would reflect the proper amount at that time. I have not yet received my refund and my statement still reflects the incorrect amount with the lender-placed insurance on it. 

Yesterday, a representative at Home Point told me that I will continue to be charged the lender-placed insurance until XX/XX/XXXX. The representative also told me that I should have received an escrow refund check in the amount of {$800.00} in XX/XX/XXXX, but I have not received any check from Home Point, and the amount that Home Point owes me is closer to ( if not more than ) {$2000.00}. The representative then told me I would have to wait until next XX/XX/XXXX to receive the remaining amount, because they only run the escrow analysis once a year. 

I'm at my wits end. I've called dozens of times and have been incorrectly charged thousands of dollars for lender-placed insurance. I don't know what else to do. Please help. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was alerted in XXXX or XXXX that a private student loan was taken out by an individual XXXX XXXX. XXXX used my information without my consent, and listed me as a co-signer for the private loan. As a XXXX XXXX XXXX, we were told that re-payment of the loan will occur after graduation. I was notified of paying for a loan which was improper and I was then informed that I was the secondary holder for the loan. During this time, XXXX XXXX was the lender. I made the proper steps by filing a report and sending the information to the lender. 
On XX/XX/XXXX, I was notified that the loan payments were late. I spoke with the representative who opened another investigation. On XX/XX/XXXX, my credit score decreased by XXXX points. I was under the impression that XXXX will file a report or investigation, however, it was reported to all XXXX credit bureaus which drastically affected my credit. 
I have filed a complaint with the FTC, previously placed identity fraud of my social to avoid theft in the future.

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 2023-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My family pays our capital one bill using a certified check through XXXX XXXX. Have done for years. The XX/XX/2023 payment in dispute never arrived. We discovered payment mishap and canceled the certified check payment. Once the money was received back into our account I made and ACH phone payment to capital one. About 5-7 days later capital one found the missing check and tried to cash it- to their surprise it had been cancelled. Capital one then claimed they never got any money even after XXXX had taken it out of our bank account. Capital one opened its first investigation which ended XX/XX/XXXX letting us know they found the money. We have that letter. About 10 days later we found out another investigation had opened as now capital one said it didnt have the money. Capital one then asked for XXXX to open an investigation. They complied and about 5 weeks later on XX/XX/XXXX we can the acknowledgement that XXXX indeed made the error. Only now we also have an outstanding debt with capital one that capital one has doubled for no reason- in fact theyve opened another internal investigation as to why the amount owed doubled when no one has used the credit card in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Im XXXX, I requested all of the payments I made on my student loan to be refunded, along with many others. I was later sent an email stating the request was denied. I called them to clear it up and they stated that the request was submitted and it would take 4-6 weeks and that I would later get an email stating that the request was approved. As we are approaching XXXX weeks, I have called to check the status and there were no changes. My loan is still showing as paid off and every time Ive spoken to a representative, they have all given very different information and nothing is clear from how the payments will be refunded to the communication from Nelnet representatives, etc. others have received their refunds also with little communication from Nelnet. Their balances were reinstated before they received their refund and nearly XXXX weeks later my balance still shows no change. When I call for status updates, they act flustered and do not want to deal with it, hence why no information given is clear and I am perpetually confused about what is going on with my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: CHECK INTO CASH INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/2018 some one applied for a cash loan using my personal information, Which is now on my credit report as a hard inquire. The institution is Check into Cash located in XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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:
I am now seeking damages with litigation since Equifax demanded the date be added to the FTC report which is another gimmick and predatory tactic to avoid penalties and delay removal. 

Under adding the inquiry there is NO way to add the day to the date. I have edited the report to manually add the date and once again I am seeking {$1000.00} per violation of FCRA XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX Fraud FTC removals ASAP further delay will result in more monetary damages awarded

Company response to consumer: Closed with explanation