BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: NY
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}

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 2017-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
In XX/XX/XXXX I purchased merchandise from Furniture Row in XXXX Colorado. At that time I was told that I would not receive my merchandise until XX/XX/XXXX. I then got the couches delivered XX/XX/XXXX. I then get a bill in the mail in XX/XX/XXXX stating that the payment was due on the XX/XX/XXXX, and I noticed that they were hitting me for late charges as well as a past due amount. I called XXXX and tried to figure out what was going on. They told me that I was 60 days past due!! I asked them why I never received a bill, and they told me that I was set up for paperless ( I did not agree, nor did I ever set this up ). They then told me that they sent out emails to let me know. I asked them what email they had on file and it was a email address for my ex wife. They then fixed the email address, and took off the late charges. I paid the amount owed for the bill, and was told that I could dispute the hits on my credit. when I called them to do so, they told me that there was nothing they could do for me, and told me that because I never paid on time they would not take the hits off my credit. I was never notified of a bill until XX/XX/XXXX, and this was after I received the merchandise. They had me set up for paperless, without me knowing, and were sending to an email that I never even had. This has dropped my credit score XXXX points in 30 days and I need help getting this off my credit. If the process was done the right way I would have had no problem paying in XX/XX/XXXX, as well as XX/XX/XXXX even though I did not have my couches. This process was dropped by XXXX as well as Furniture Row, and now I am the victim of false reporting, and billing practices. PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: AL
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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 HAVE BEEN A VICTIM OF VARIOUS DATA BREACHES AND ALSO HAVE BEEN A VICTIM OF IDENTITY THEFT. I HAVE A FEW ACCOUNTS ON MY CREDIT REPORTS THAT DO NOT BELONG TO ME AND ARE UNAUTHORIZED. I ALSO DO NOT HAVE ANY CONTRACTS WITH THE COMPANIES LISTED ON MY REPORTS. THIS IS HURTING MY REPUTATION WITH THE BANKING SYSTEM AND ALSO HURTING MY CHANCES WITH GETTING ANOTHER MORTGAGE LOAN. I NEED THESE ACCOUNTS AND INQUIRIES REMOVED IMMEDIATELY. I HAVE SUBMITTED ALL OF MY POLICE REPORTS AND FTC REPORTS TO TRANSUNION, XXXX, AND XXXX ALONG WITH ALL OF MY ID DOCUMENTS. THIS WAS NOT SUBMITTED IN ERROR OR A MATERIAL MISREPRESENTATION. IF THESE FRAUDULENT ACCOUNTS ARENT REMOVED I WILL TAKE LEGAL ACTION

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The credit Bureau stated XXXX XXXX was properly investigated but how is that accurate when the open date is inaccurate, the date last active is inaccurate, date last reported is inaccurate, the dispute status was not marked disputed they put " Account disputed '', the account remarks meets FCRA XXXX 

The Bureau did not complete a proper investigation as requested. Everything must be 100 % accurate on my report however they did not do that. This is grounds for removal. 

They Also violated my rights under 15 U.S.C 1681 section A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

Also the Credit Bureau took more than 30 days to complete my investigation. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want XXXX XXXX per violation or remove the account The Credit Bureaus never did a proper " Investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


I have previously requested that you investigate this information and you have failed to correct the Errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report!

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 2019-12-06
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I had 3 credit accounts opened using my social security number for a business account in XXXX. I contacted these companies and informed them I did not opened these accounts and they were removed from my credit file. 
In XXXX Chase informed me they were opened by a business in Florida, I never worked for or had any knowledge of. These accounts were never verified. I moved from XXXX  to XXXX  in XXXX. In XXXX Accounts from Chase, XXXX XXXX, and XXXX XXXX were removed from my credit file. They were opened without my knowledge. 
I have checked my credit scores monthly and my credit report yearly since that happened through there poor banking processes. My scores have been excellent since. Then I was informed my social security number was breached by XXXX. I received my scores with no change until XXXX. Chase reported a delinquent credit account in my file that was closed in XX/XX/XXXX. I had no knowledge on this account for over nine years. I have asked Chase to provide me with information of this account and they have failed to comply. Chase is negligent in opening this additional credit account XXXX with out my knowledge. They need to remove it from my file. Their poor banking processes has harmed my ability to show I can manage money. I was never contacted by Chase regarding this credit account, they need to promptly remove it from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX I made a payment to a law firm ( XXXX XXXX XXXX ) via Western Union in the amount of XXXX plus the XXXX fee. 

XXXX XXXX XXXX is stating they never received the payment. I have spoken to Western Union numerous times about this and they claim that they are not able to reach that firm. They will not take the number that I reach the firm on which is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Nelnet, Inc.
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I submitted my payment in full through Nelnet, who is my loan servicer. The payment made was {$61000.00}. On XX/XX/XXXX I received an email saying that my payment was denied. Following up with this I called my financial institution only to find out that no transfers of money were even attempting to be made. I went ahead and resubmitted the payment only to find that I had accrued more interest in that timeframe. I scheduled a payment for {$61000.00} on XX/XX/XXXX. Since I submitted the payment it still says pending. While the payment was pending I noticed that I had accrued {$24.00} in interest. So I submitted another payment on XX/XX/XXXX for the {$24.00}. The {$24.00} drafted from my bank account, however, the {$61000.00} has not. So I reached out to Nelnet to see what the problem was. After being on hold for three hours the representative told me I just needed to use a different bank account for the {$61000.00}. I am just concerned because I do not want to accrue any more interest while I am trying to pay off the total of my loan. I am just frustrated and feel that this needs to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
At this point I've sent a letter to Capital One First Letter sent on : XX/XX/2022 Capital One - is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

Capital One HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2023-04-11
Company: DISCOVER BANK
State: CA
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:
While checking my Discover credit card Activity, I noticed an Unauthorized Balance Transfer of {$500.00} Posted on XX/XX/2023 made as Miscellaneous. Which I did not authorized or consent to initiate the charged. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the balance Transfer Charge without permission. I request that your company either mail me a copy of my signed authorization form that gave you the right or Permission for this Miscellaneous Balance Transfer of {$500.00} that posted on XXXX. 
Apparently, this Vendor double charges to my XXXX XXXX Credit Card without my awareness and consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX  XXXX Balance : {$40000.00} ; XXXX XXXX XXXX XXXX Balance : {$40000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-06
Company: CITIBANK, N.A.
State: FL
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:
I can not remember, one dispute opened with Citi Cards, that has been resolved in my favor. 
XXXX is the merchant responsible, and under which umbrella, a few individual stores sell articles at a such poor-quality using false advertisement, that it became insulting. When confronting on the low-quality products, they use tactics such as delayed response or obstructive and convoluted requests for proof, that the buyer claim runs out of the 30 day-protection guaranties. Not only XXXX XXXX XXXX has created an evidence cheating pattern that works well with the Citi card dispute team, but also the claim resolution always favors the large customer. It looks like that is Citi Cards ' policy. 
I emailed incontestable evidences ( dates and copies of previous emails w/contacts, pictures, receipts for returns, etc. dated XX/XX/XXXX and XX/XX/XXXX to XXXX ) and in 3 separate instances related to this claim I spoke with inexperienced assisted agents ( clear second voice in the background ). I was given unfunded reasons for their resolution like : they could not see the pictures I sent, or could not open the files or attachments (? ) and the letter from XX/XX/XXXX with customer service team conclusion sounds like this : we did not receive the proof or proof you returned the merchandise. 
Between Citi Cards dispute department pretending to protect the consumer, and XXXX XXXX XXXX evidence cheating pattern, the latters confidence and its brazen assurance of win will just perfect charlatanic schemes. Due to the lack of respect and consideration shown I will close all my bank/cards account with Citibank.

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX These were not authorized by me, I am a victim of identity theft. Per FCRA 6058, this information should be deleted from my credit report. 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 non-monetary relief
Consumer complaint received 2019-12-05
Company: Specialized Loan Servicing Holdings LLC
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
We have called SLS to try and resolve this issue, they refuse to resolve this issue and are violating fair credit reporting rights and screwing up my credit. 

The whole situation started when a relative who has NO INTEREST, NOT ON TITLE, NOT ON THE LOAN, had filed bankruptcy in XX/XX/2016. My first lender XXXX  some how included me in the Bankruptcy and stopped mailing statements, and the 2nd mortgage did the same thing. This has gone on for almost 2.5 yrs. SLS refused to talk to XXXX  about the situation.

I have never filed bankruptcy nor before this issue have I had any issues with my credit.

XXXX  has resolved the issues and fixed my credit back to 100 %. SLS has refused to work with me on this matter causing me financial hard shop and making it so I am unable to refinance my loans, causing my credit score to go lower.

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 2018-09-05
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XX/XX/18 : Saw a car listed on their website. PRICE IS CLEARLY {$8900.00}. Inquired about it and eventually applied for financing.XX/XX/18 : Received a call from XXXX informing me I had been financed. Told me the FINANCE COMPANY raised the price of the vehicle from {$8900.00} to {$11000.00}. I have another account with the company so when he mentioned the name I decided to hang up with XXXX  and give them a call. This finance company had no idea what I was talking about! Furthermore, the finance company explained to me in detail why they have nothing to do with car pricing. I immediately called XXXX back, explaining to him I knew someone was lying. He transferred me to XXXX  who made up a seemingly ridiculous story about finance companies " charging fees '' because I was a higher risk borrower. She stood by their claim that Credit Acceptance Corp ( who I have already filed a CFPB complaint against ) insisted on charging me a " fee '' of {$3000.00} in addition to requiring $ XXXX/monthly for 48 months on a ten-year-old car.

Summary : Car original price = {$8900.00}. XXXX & XXXX tell me we have a deal with Credit Acceptance Corp. CA is requiring a " fee '' of {$3000.00} immediately added to the sticker price of {$8900.00} ( which CA denies ). I am told to pay {$3000.00} fee + {$2500.00} down payment + ( {$430.00} x 48 ) = {$26000.00}!!!! Again, it has to be illegal and unconstitutional to pay over {$26000.00} for a car originally priced at {$8900.00}. All of these subprime lenders and car lots are LIARS that just want to SCAM innocent Americans, forcing desperate people into deals they know are horrible and probably illegal. They should be shut down immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
XXXX XXXX XXXX XXXX - JPMorgan Chase & Co . 
XXXX, Delaware, United States Please identify when you notarized the attach assignment of mortgage and identify the name and position of the XXXX witnesses and identify your location or office where you and the witnesses were when you notarized the document

Company response to consumer: Closed with explanation