BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Capital One stated XXXX reported my account as fraud. They closed my account and I do not have access to my account online. They waited two months to send me a paper stating my bill is 2 payments behind. They are reporting that they aren't opening the account back up due to fraud, if it's a fraud account I shouldn't be responsible for the account and it shouldn't be hurting my credit by 20 points with them reporting it past due. They waited two months to send me anything about my account being past due. The letter was issued on XXXX XXXX and this issue has been ongoing since XXXX. I sent in the paperwork to show my identity. Capital One is telling me that they can't reopen the account once it's closed as a fraudlent account. I want the late payments removed from my credit reports. I don't want another account with Capital One after all of this. This is the most pitful experience I have dealt with with any company. They reported this was reported by XXXX and it's not showing on my report with them. My account ends with XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I called Citizens bank about the fees this bank shouldn't be charging several times after they acquired XXXX free checking accounts since XX/XX/2022 - first they tried charging monthly fees illegally, then came up with a statement delivery fees. It's illegal to charge customers such fees first of all because it's a responsibility of the bank to provide account statements to customers, but moreover because they have bugs in their online app, and they were notified about that over the phone as well. Please take appreciate action. Thanks in advance. 

A representative credited the fee for the statements retroactively 3 months ( XXXX USD ), but asked for an email address, insisting on a paperless option, although I've told her that it would be better if they fix their online banking bugs first. Until they will - paper statements delivery is their only option to do things right for their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: IN
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-05-26
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have ( had ) our mortgage with LoanCare LLC aka XXXX XXXX XXXX. We paid off our mortgage on XX/XX/2021. I have been trying to contact someone at LoanCare for several months, first to find out about refinancing, then to get our payoff amount, and finally to find out about when we will receive our escrow refund. 

I have called the customer service numbers but all of them send you to an automated system that does not let you talk to a person. I tried contacting them through their website but no one ever responds. 

I believe they are a fraudulent company at this point and there are numerous complaints about them throughout the internet. They owe me money and I want it now.

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 2023-09-14
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting 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 formally dispute and request the removal of several items on my credit report that are inaccurate, misleading, or fraudulent. These items are adversely affecting my creditworthiness and financial standing, and I kindly request that you investigate and rectify these issues promptly, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please find below a detailed list of the disputed items which I want to be removed by the Credit Bureaus : 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 

I have enclosed copies of documents that support my claims, including attach copies of any relevant documents such as identity theft reports, bankruptcy discharge papers, or proof of address corrections. 

Under the FCRA, I request that you : 1. Promptly initiate an investigation into the accuracy of the disputed items.

Notify me of the results of your investigation within 30 days, as per federal law.

Correct or remove any inaccurate, incomplete, or unverifiable information from my credit report.

2. Failure to comply with the FCRA can result in legal consequences. I trust that your agency will handle this matter with the utmost professionalism and in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions 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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2023-06-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-04-07
Company: JPMORGAN CHASE & CO.
State: UT
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:
This is the timeline of events with Chase Bank. 
XXXX, XXXX, I tried to update my email address with Chase Bank because I was not receiving notices. The system did not update my email address. 

XXXX XXXX, I paid off the full balance of the card. 

XXXX XXXX, they assessed an annual fee and continued sending notifications ONLY to the email address I asked them to remove. 

XXXX XXXX XXXX, I received a letter letting me know my payment was late, so I went online and paid right away, and then followed up with a phone call, where the agent told me this would not report negatively on my credit. 

XXXX XXXX, found out they reported me as 30 days late. Contacted the center, was told they can not change this reporting. 

XXXX XXXX, Contacted them again, was hung up on. 

XX/XX/XXXX, contacted the executive offices and was assigned to an account rep. XXXX : XXXX, assigned to XX/XX/XXXX, XXXX left message -- he did not return my call XX/XX/XXXX, XXXX Left a message, call was not returned. 

XXXX, XXXX, left another message- a different rep called to tell me he was out and would call me when he got back. He never called. 

Chase bank needs to take ownership of this issue and correct the issue. Please reference previous complaing : XXXX. This was NOT resolved in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Chrysalis Holdings LLC
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This afternoon around XXXX I was discussing a VA home mortgage loan with : Hello, My name is XXXX XXXX XXXX and I am your Account Executive.It is my pleasure assisting you with a potential Mortgage Loan solution! 
Thank you, XXXX XXXX Account Executive MLO NMLS # XXXX Company NMLS # XXXX   Tel : XXXX | Fax : XXXX ===================================================================== XXXX XXXX is a registered dba of NewDay Financial, LLC. 
XXXX CONFIDENTIALITY NOTICE : This e-mail message and any attachments are proprietary and confidential information intended only for the use of the recipient ( s ) named above. If you are not the intended recipient, you may not print, distribute, or copy this message or any attachments. If you have received this communication in error, please notify the sender by return e-mail and delete this message and any attachments from your computer. 
===================================================================== And while she was taking down my personal information the fact came up that in XX/XX/XXXX I had to do a Deed-in-lou with XXXX XXXX when they convinced me i had no choice in the matter. Another mistake. XXXX XXXX informed me that because the deed-in-lou was not outside of a 5 year period that NEW DAY could not service my loan or go forward. I said ok fine. I said forget it and DO NOT PULL MY CREDIT REPORT as i was also working with The XXXX XXXX and i had given them permission to pull my report and i did not want a lot of marks against my credit. It was then that XXXX XXXX said that she had already done so. I got mad and and told her I HAD NOT GIVEN HER PERMISSION TO DO SO and explained the damage that it could do to my already shaky credit. she said that because it was so close to the report that XXXX XXXX pulled, that it would do no harm. I said good by and hung up. 
XXXX sent me a e-mail about a check on my credit as follows : Hello XXXX, we identified a change in your credit report! XXXX XXXX  We will continue to monitor your credit as part of your membership, so rest easy knowing we're always looking out for your credit health. 
New Mortgage Inquiry reported by XXXX A hard inquiry is a request for new credit in your name. 
VIEW YOUR ALERT I am beyond angry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Continental Services Group, Inc. d/b/a ConServe
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:
My current university made a mistake XXXX University. Assigned me a class prior to the financial aid kicking in. Pulled me out of the class and charged the fee. They later corrected the problem by offering me a grant to cover their mistake but they sent part of it to a collection agency Conserve. XXXX University advised me they corrected it with conserve XX/XX/2019. This false/mistake by XXXX is showing as a collection item on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: MacDowell & Associates, Ltd.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The amount that was sent to me by the company after I turned my lease in early was for {$8000.00} and Ive paid them at least {$2000.00}. My mother was the co signer and she included them in her bankruptcy so there are 5 more years left before I owe them if the statute of limitations are not up on it. They have called and threatened to sue, they placed an illegal lean on my mothers house before her bankruptcy that had to be removed by our lawyers and now they are contact me again and dinged my credit for being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have requested per 26 u.s code 108- for all discharged information to be removed. Credit Reporting bureaus do not and can not report income.

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 2023-06-05
Company: Experian Information Solutions Inc.
State: OK
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:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 2023-06-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have had a savings account with XXXX XXXX XXXX XXXX in XXXX, Georgia since XXXX. In addition, I was issued a Visa Credit card by XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I wrote a detailed complaint to XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX detailing several federal banking and credit reporting complaints committed by several XXXX XXXX XXXX XXXX employees. XXXX XXXX contacted me by phone on XX/XX/XXXX, to discuss the issues. On and about XX/XX/XXXX, XXXX XXXX called me to apologize and admit that several errors, mistakes, and mishandling of my account had been committed. XXXX XXXX stated that my credit report from Experian ( the bureau ) used by XXXX XXXX XXXX XXXX did not contain negative or derogatory information. In fact, XXXX XXXX stated that during the years XXXX, and XXXX XXXX XXXX employees reported all XXXX credit payments correctly. Furthermore, XXXX XXXX stated that my credit file and score during the time that employees drafted monthly payments to pay XXXX XXXX XXXX XXXX loans and my VISA credit card issued by XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I was informed that my VISA credit card issued by XXXX XXXX XXXX XXXX was not re-issued due to my past " history '' of delinquent payments. I questioned the XXXX XXXX credit XXXX on XX/XX/XXXX, and was told that the decision was determined by the branch XXXX and XXXX XXXX XXXX. Upon review of my credit report from Experian, I noticed that the incorrect delinquent payments reported by XXXX XXXX XXXX XXXX had not been corrected to reflect on-time payments. My credit payments have been on time since XXXX. The derogatory information has had negative effects on my life, and the life of my family. The XXXX XXXX has also drafted on consistent basis funds from my checking account more than XXXX weeks before payment is required without my legal consent. Finally, I was charged late fees for more than 2 years for being delinquent and payment was drafted monthly more than XXXX days prior to payment. Recently, I applied for loans and was denied due to my " history '' which has been discredited and incorrectly reported by 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 2020-04-07
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received a letter from First Citizens Bank XX/XX/2020. They bought our mortgage from XXXX XXXX a year or so ago. They want us to pay an exra XXXX in addition to our regular mortgage payment for deferred interest on a payment we had when we were with XXXX. 2 weeks ago i spoke with them because they sent me a bill for XXXX saying that i had overpaid my mortgage. I pay extra every month and am never late or behind on my loan. The point of this is during the COVID 19 crisis this is totally unethical and unscrupulous. What if we had no jobs? What if we were on a fixed income or had lost our income due to COVID. These people are sharks and should be ashamed of themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was trying to transfer my xlm coin from my coinbase wallet to The coinbase exchange and in the process they disappeared during the transfer I've reached out to coinbase on several occasions to try to fix this issue and now I'm being ghosted and can't get a hold of anybody it really feels like I've been played here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-09-14
Company: EQUIFAX, INC.
State: TX
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief