BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: FL
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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-03-18
Company: Social Finance, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX is putting consumers at severe risk of losing their hard-earned money. I submitted a check through their mobile deposit. I followed the instructions for depositing EXACTLY. Then I get a notice that my deposit has " failed ''. There is no further information in the message, only to call them if I have any further questions. When a check for thousands of dollars " fails '' they should provide an explanation. Further, they require customer to endorse the check to say that it can ONLY be deposited to XXXX XXXX, so when their systems " fail '', that check can not be deposited anywhere else. They do this to trap you into their system but their system DOES NOT WORK. 

After I waited on hold to speak to someone for more than 10 minutes, I get XXXX in the Delaware office. When I tell her I will be filing a CFPB complaint, she put me on another hold and spoke to the Account Specialist XXXX who told that it was rejected by their " verification '' system and was never cashed and that they use their own verification system because they are an online bank. A SYSTEM SHE DID NOT CARE IN THE LEAST DIDN'T WORK. 

They have absolutely no regard for the fact they are holding peoples livelihoods in their hands and they don't care in the least who they hurt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the federal credit reporting act this creditor has violated my rihjt under 15 usc 1681 section 602 states i have the right to privacy,15 USC 1681 section 604 section 2 also states that a consumer reporting agency can not furnish an account with my name without my written instruction, under 15 USC 1666B a creditor may not treat a payment on a credit card under an open end consumer credit report or plan as late for any reason or purpose

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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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, has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 inaccurate.

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 2022-04-26
Company: Innovate Managed Holdings, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
The company refuses to provide a loan payoff amount to myself or the loan refinancing company. Theyve claimed their system has been down for 2 weeks and are unable to provide any account information. This has caused a tremendous financial hardship as my new refinanced loan would be $ XXXX lower than my current payment. I have tried to contact their management team and corporate offices to no avail. Ive already filed a complaint with the XXXX  as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, 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:
Date opened : XX/XX/2016 This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX bank any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Coinbase, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted Coinbase regarding unauthorized transactions made on my debit card on XX/XX/2022. On XX/XX/2022 I received several emails from Coinbase regarding the unauthorized transactions that stated my claim wasn't going to be processed because the transactions were past the time limit. They stated that I only had 60 days from when the transactions were made to report the fraudulent activity and submit a claim. I called customer service regarding their response and informed them that I was hospitalized twice following these transactions being made on my account, which prevented me from contacting them within that time frame. I also informed them that I never received any statement from them showing me the transactions on my account. I also informed them that my mobile device had been stolen, so I never reviewed my account or saw the unauthorized transactions prior to contacting them. I informed the representative that I would provide my doctor 's notes that I received from the hospital when I was XXXX which detailed the dates of my hospitalization. The representative stated that she was submitting an escalation regarding this and stated that someone would contact me via email. I never received any email regarding the escalation. According to Regulation E, when reporting account errors, a institution must provide addition time to the consumer if extenuating circumstances prevent them from reporting the errors within the specified timeframe. My hospitalizations were extenuating circumstances, therefore Coinbase should have taken this into consideration and extended the timeframe for me to report the unauthorized transactions made with my debit card. Regulation E 1005.6 ( b ) ( 3 ) ( 4 ) Extension of time limits. If the consumer 's delay in notifying the financial institution was due to extenuating circumstances, the institution shall extend the times specified above to a reasonable period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Services has been calling me at least weekly, and sometimes daily or multiple times per day, for more than 10 years, and continued after I changed my phone number in early 2017. I have verbally asked them to remove me from their list on many occasions. I block the number each time they call, but they have taken to location based number spoofing. I traveled to Nevada this weekend, and they just called me from a Nevada number. I've not initiated any business with this company, nor does it appear on any of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: CITIBANK, N.A.
State: RI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023 there was a charge made to my citicard credit card for {$63.00} fraudulently.Citicard has refused to fix this. I WANT PROOF THAT I MADE THIS CHARGE. Citicard wants me to bend over backwards and do all the work, I have filed reports with my local police dept, RI attorney general, CFPD, FTC, all 3 of my credit bureaus, and reached out to an attorney. Citcard continued to charge me late fees while being disputed and reported that i was merely being delinquent in payment. It dropped my score XXXX point and continues to affect my score negatively and impacting my natural order of impeccable credit that i worked 27 years to establish. i finally paid the fraud charge in order to stop the process and take legal action the right way. Again, i demand the proof that i made a subscription charge to XXXX on XX/XX/203. 

XXXX Police report filed XXXX dispute filed and fraud alert placed on credit CFPD complaint XXXX # XXXX Report fraud FTC Report XXXX : XXXX Consultation with 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 monetary relief
Consumer complaint received 2023-09-15
Company: HUNTINGTON NATIONAL BANK, THE
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:
On XX/XX/2023 my debit card was charged {$380.00} for XXXX 
I called XXXX and was provided proof another person bought tickets and used my email address which was hacked into. I called my bank to dispute the charge and provided proof of the name of the person who bought the tickets. Huntington has not provided a credit. They have actually said the company was authorized to charge my bank card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My credit report reflects that Bridgecrest charged off the full amount of the loan and it still reporting a balance on my credit they never sent me a 1099 and by holding my title for ransom bridgecrest keeps attempting to repossess my car. I want to know if they have a lien against my title and if so I want them to release it and send my title to me. I also want bridgecrest to send me a 1099 as they have reported the entire loan as a loss. These practice are against ( TILA ) and are unfair and deceptive.

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 2023-09-15
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit 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:
I appealed a disputed transaction for the amount total of {$4700.00} through my credit card company Chase. I told them I paid for services rendered to XXXX XXXX by check, and I would like credit back for my charges. They denied giving me credit back because I was beyond the time statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
State: TX
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 request that the XXXX XXXX account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft. 

I have taken all necessary steps to report this fraudulent account to the relevant authorities, and I have provided them with all the necessary documentation

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 2019-03-18
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
3 years ago we were informed we needed flood insurance by our mortgage company because FEMA redrew the flood maps and a fraction of the home, built in XX/XX/1955, and maybe 25 % of the property, is now in the area where we are deemed to have a 1 % chance of flood damage in 100 years. Our mortgage payments had been set up as a reminder on our checking account, I do not write a physical check, so I did not review the monthly statements. We started to receive threatening notices about the need for insurance and a clause in the law that says the mortgage company can force the homeowner to pay into this escrow account and they would purchase the insurance for us, with a warning that their rates may be higher. After several months of threats, and no progress when contacting Chase Morgan, we obtained Flood Insurance from XXXX for about {$500.00}. They kept trying to collect {$4000.00} in escrow. 
Again, this year, same thing. They never sent the escrow that had been collected to us to pay the current year flood insurance, which ran over {$600.00} this year, yet they are still trying to collect {$2500.00} in escrow. Now they are threatening with : 1 ) adding the escrow due back onto our principal, 2 ) putting our loan into collections, 3 ) even though the flood insurance has been paid, force us into insurance from a company they control. 
Flood insurance is only available from FEMA, they should ALL have the same rates, yet their insurance company quotes over 3 times the XXXX rate. We have done an elevation certification, to show the map FEMA used was inaccurate, and out of date, trying to get a variance from FEMA so we would be exempt from the insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Capital One credit card, and I was approved for a unsecured credit card back in XXXX XXXX XXXX  After receiving my credit card, I was able to access funds for a week then, I received an email saying that my account was reported for fraud. Every since, I havent been able to apply for a credit card with Capital One due to fraudulent activity. Im trying to figure out what I need to do to prevent this issue and be able too apply for a credit card from Capital One. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: TX
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 so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2020-05-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I pay I rental vacation house but I cancel my reservation later and at the moment that I cancel my reservation with XXXX the account was closed with Wells Fargo and I try to make a claim for the amount of XXXX. Dlls for the reservation of the house but they send me I letter that said that they cant do nothing about it because my account was closed and by the way at that moments the owners of the was try to make me the refund of the reservation but the bank send back the money to the owners house and now the owners dont want to resolve me this situation because they said that they refund me all ready buy I never received that money because the account was closed

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 2023-09-15
Company: JPMORGAN CHASE & CO.
State: NY
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:
JPMCB AUTO  XXXX was reflected as a late payment on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or JPMCB AUTO customer service representative. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account, under an open end consumer credit plan, as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the third time I have complained about this exact same issue. The first time the collection agency said " oh he owes it '' and that satisfied CFPB. Last time I said that it's not my insurance and the collection agency admitted that they had nothing signed by me and that satisfied CFPB. My wife attempted contact with the hospital and they refused to speak to her " because she's not the responsible party ''. 
Please. 
Respect yourself enough to do your job. 
The collection agency has nothing signed by me agreeing to a debt. I was not there. My insurance was not used. It's not my debt. I'm not the responsible party. There is absolutely no proof that this is my debt, because it's not. I was on shift that day, all day. 
Please investigate it. I can't afford a lawyer, and if CFPB did their job i wouldn't need one.

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