BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Di ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$750.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}

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 2017-05-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On two s eparate occasions in   XXXX   XXXX    , I visited Chase Bank at   XXXX   XXXX   XXXX   XXXX   XXXX  , NY  XXXX  and notified  XXXX   XXXX  ( NMLS ID :  XXXX  ) and  XXXX   XXXX   (  NMLS ID :  XXXX  ) that I have been receiving bank statements for   XXXX   XXXX   XXXX   XXXX   at my home address.     Neither did I request, nor did I authorize Chase Bank to send bank statements belonging to my employer to my home address. This is a HUGE violation of privacy and I want it to stop.     Both  XXXX   XXXX  and  XXXX   XXXX  promised me that they would fix this problem. After a number of weeks elapsed with the problem continuing, I returned and spoke with  XXXX   XXXX  a second time. He, again, promised me that he would remedy the problem.     Fast forwar d six months  and absolutely nothing has been done. I called the Customer Service line and spoke with  XXXX  on  two o ccasions, who told me I must be mistaking, because his information in his system reflects that no statements were ever sent to my home address and, if so, the post office must be forwarding them to me. Really??     To make an already long story short, not a week goes by that I do not receive statements in the mail for this account for which I have no financial responsibility. I am not an owner of  XXXX   XXXX   XXXX ,  XXXX  and I do not want to receive its bank statements addressed to me at my home address.     Short of taking legal action, I do n't know what else to do.  Chase is  attempting to bully and intimidate me.     In this age of rampant computer hacking and violations of privacy, it is not only irresponsible for  Chase to  send banking statements to people to whom they do n't belong, but it is extremely neg ligent for Chase to  continue to do so after being put on notice to cease and desist.     This entire situation, going bac k six mont hs, has been extremely stressful for me. It has made me feel powerless and, yes, very much intimidated. The thought t hat Chase c an blatantly ignore my concerns over the use and application of my own name and personal information is extremely unnerving and is causing me to awaken in the middle of the night and not be able to go back to sleep.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I will list the correspondence of the personnel I spoke with. 
I spoke to XXXX XXXX- on XXXX @ XXXX. We spoke on the account from XX/XX/XXXX - XX/XX/XXXX. 
I spoke with supervisor XXXX XXXX on XXXX XXXX @ XXXX and verified that my payment date is the XXXX of each month and the removal of late payments. 
I spoke with XXXX on XXXX about my account. 
I spoke with XXXX on XXXX @ XXXX XXXX  and she also verified the removal of late payments and would submit a dispute. 
I spoke with XXXX on XXXX and the dispute was in my favor and he works for customer service. # XXXX I spoke with XXXX XXXX XXXX there are many supervisors I spoke to about the account. My payment history shows my excellent payment history and the vendor lists the product more than what I purchased it for.

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 2023-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Applied for a Savor One credit card with Capital One. Capital One created the credit card account with an incorrect social security number and name and continues to report the inaccurate information to the credit bureaus despite my repeated calls and requests for them to correct the incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife and I have been separated for a few years. During our separation she opened up credit cards using my name and social security number without my knowledge or consent. She passed away and I am now discovering these credit cards. I do not have the money to pay these cards and they are not mine to pay. I have called and notified these credit card companies and after a very short investigation they are stating that I opened up these cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Failed to supply sufficient documentation of a debt they are attempting to collect in accordance with the Fair Credit Reporting Ac t, Section 611 ( a ) ( 6 ) and ( 7 ) res ulting in adverse reporting to the major credit bureaus and my denial of credit.     I have contacted the company multiple times in writing without receiving a satisfactory response.     I have researched their histo ry. Cavlary 's Consent Order with the   State of Arizona ( my prior residence ) requires positive improvements in how they conduct business. This has not proven to be the case as they continue to fail to disclose properly and   timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Paid off XXXX XXXX on XX/XX/2021 - received a letter from XXXX XXXX stating that my acccount has been paid off in full with a {$0.00} remaining balance. XXXX has been reporting that I have a balance on account that is constantly changing. No other charges have been made since the account was paid off. Every time I call to dispute and ask why, they tell me they will clear out the balance and all should be taken care of - and then the next month I will receive another statement with some sort of balance. This has been going on for over a year and has affected my credit.

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 2019-08-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/19 I emailed to get a payoff letter. I received no response. On XX/XX/19, I contacted the company to get a payoff letter. She stated it would be sent to me via email on XX/XX/19 Tuesday and it will be good for 30 days. Tuesday came and went. I contacted the company again only was able to get a voicemail and then I sent an email with no response. I contacted the company again on XX/XX/19 with some story about they have to wait to send me accurate information because they don't want me to underpay or overpay. They received a payment from my garnish wages on Tuesday so it changed the amount owed. But before the payoff amount would be good for 30 days. After several phone calls, still no payoff letter and no date on when they are able to give me a payoff letter.

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 2022-09-29
Company: Experian Information Solutions Inc.
State: IL
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:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that my personal information and my credit file have been leaked. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account XXXX : XXXX EMPLOYER : XXXX  XXXX EMPLOYER : RETIRED PREVIOUS ADDRESS : 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 2017-05-05
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern : I my mortgage loan is with  XXXX   XXXX   XXXX  and is being handled by  Shellpoint Mortgage Servicing.  I entered into a modification that began  XXXX / XXXX / XXXX . Since the beginning of my modification, amounts on my statement have been incorrect. I have tried over and over again to get the amount corrected. Now, six  months later, Shellpoint has  made the correction, however, they had hired an attorney to submit my home for an auction sale  XXXX / XXXX / XXXX . I am told that in order to remove the foreclosure status and auction sale date, I must pay foreclosure fees and cost  ( {$2100.00} ) in  addition to the months payments owing from  XXXX / XXXX / XXXX . I am prepared to satisfy the monthly payments, however, I feel it is unfair and a scam to now after correcting the error caused by Shellpoint, I should have to pay those fees in order to save my home. I am not in a position to pay for the fees resulting fro m Shellpoint 's error. Shellpoint refuses to send me a statement reflecting the correction. Please provide assistance in this matter. Th ank you!     Companies involved :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NC  XXXX  Shellpoint Mortgage Servicing  XXXX    XXXX   XXXX    XXXX , SC  XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Ygrene Energy Fund Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On or around XXXX of XXXX, I was contacted on line by a representative of Ygrene. They told me I could make badly needed improvements to my home, and have the cost of the improvements paid over time through my property taxes. The connected me with one of their contractors who gave me a quote. 

Ygrene stated they would pay the contractors {$6800.00} and i would then have a lien on my property for that amount. They told me i could refinance at will without having to pay the lien as it would subordinate to any lender and, that i could also pay the lien off at any time without penalty. 

In XXXX of XXXX, i started a refinance and was told by my lender that the lienYgrene established would not be subordinated and that i had to pay it off. I asked for a payoff quote and was charged {$25.00}. on the payoff quote, i was told i was getting a 5 % prepayment penalty to pay off my lien and, more importantly, the payoff quote shows an original loan significantly higher than the contract amount, for a total of {$8000.00}. 

They refused to waive the prepayment penalty, refused to explain why my lien amount is higher than the signed contract amount so now i have to pay extra just to get out of this horrible situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for the XXXX XXXX XXXX card after receiving an pop up saying I was approved for the XXXX XXXX XXXX card on XX/XX/XXXX the day after my birthday. received visa card a week later. I went to use the card shortly there after only to be told by Cashier that my card was declined. The cashier ran my card three times. Also around that time I also received preapprovals for XXXX XXXX and XXXX XXXX  card only to find out later that the bank closed my accounts. In addition, I asked for credit limit increase on a few existing credit cards such as XXXX, XXXX XXXX 's and XXXX credit cards which are normally soft pull on my credit reports but were hard pull. I called the bank and explained that I could n't use my card only to be told that bank closed my account and that I would receive an letter!. They did allow me to keep the XXXX XXXX card that I applied for later. I feel they should of declined this application as well if they are saying I have too many inquiries. Over half of inquiries especially on my XXXX are hard pulls from Comenity Capital. They  are pulling hard pulls on my report for what should of been soft pulls! I received letters stating that I had too many recent inquiries. Most of my inquiries are through Comenity Capital Bank is whats very odd and why I am complainting and very angry! I have held cards with this bank since XX/XX/XXXX. I feel they should close all of my accounts if they are going to be this nasty about closing accounts that they approved and issued the credit cards for. Why go through all this trouble and then deceive me and close my accounts. It was very embarrassing to be in grocery store using your credit card to be told it was declined. There was no reason for this! The bank should of just declined the application in the beginning! I am going to be filing other complaints and seeking an attorney over this! I also feel they need to remove all the inquiries they placed on my XXXX and XXXX credit reports as well. Most of the inquiries should of been soft pulls not hard pulls especially on my XXXX credit report file. I am hoping the FDIC and my Attorney General gets involved in this matter as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX Have noticed some fraud accounts and unauthorized inquiries appearing on my credit report. 

Accounts 1. XXXX XXXX XXXX  {$130.00} 2. XXXX XXXX XXXX {$84000.00} 3. XXXX XXXX XXXX {$27000.00} Inquiries 1. 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 2023-07-18
Company: TOWNE MORTGAGE COMPANY
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: Account status incorrect

Complaint:
I sold my home XX/XX/XXXX. XX/XX/XXXX XXXX, XXXX, and XXXX remarks says I closed my account and dropped points. The three credit bureaus status changed to " settled for less '' and dropped my XXXX XXXX XXXX points on each bureau. I contacted the creditor Towne Mortgage, they stated " We sent paperwork showing you paid your mortgage in full ''. I contacted The three credit bureaus and explained that I sold a house and it is PAID IN FULL. I did not settle for less but My credit score keeps dropping. XX/XX/XXXX I spoke with all credit bureaus they all said Towne Mortgage updated the remarks in my credit file and stated I settled for less and closed the account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX Please Update Employment Information per job offers and Employment verification letter submitted from Inland -XXXX XXXX XXXX XXXX XXXX. 

Please update inaccurate and Unfair information on my Three Credit Reports to the following : Remove all Delinquent accounts from report due to non-receipt of employment pay checks from 2 Employers ( XXXX-XXXX XXXX XXXX XXXX XXXX. Allow Deposit of approved loan from XXXX XXXX for {$10000.00} into my established bank account or a new XXXX XXXX account. Allow receipt of {$250.00} to be deposited into XXXX account once direct deposit is established of new XXXX XXXX XXXX  account. Remove incorrect residence information and information that is over 10 years old. ( Review letters submitted to Bureaus ) Restore XXXX credit score to XXXX to all Bureaus due to above mentioned and approve {$1000.00} credit line asap with XXXX  XXXX due to inaccurate and Unfair information. See all documents submitted to all Bureaus requesting to update information dated since XX/XX/2023. Review Dispute status and remove inaccurate information about The following account on report : XXXX XXXX. Please increase XXXX score due to Real Estate Valuation updates for XXXX XXXX XXXX XXXX, XXXX SC XXXX. Allow XXXX credit score goal to be achieved by XX/XX/2023 for XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX SC XXXX. 

Longevity, Peace and Prosperity XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Email : XXXX Please be informed that this email is intended for the recipient listed. If you are not the person or business entity that is not intended to receive this email and receive it in error, please disregard and delete. This email is not intended for judicial or jailing purposes and is not to be used for scams or defrauding purposes. Thank you for your service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing this complaint to inform your department 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. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$11000.00} This account is 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 accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2017-05-05
Company: Westlake Services, LLC
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Multiple calls have been made to Westlake and their attorney  XXXX   XXXX  for information on the homeowners case to see if they post poned the sale due to the filed arbitration complaint and lis pendens. The rep  XXXX  at  Westlake  said they didnt have the previous TPA submitted and asked me to email it to her. She refused to let me conference in the homeowner who has been desperately trying to get an update on his foreclosure. The assigned attorney for Westlake refused to also give us or the client an update on the sale date. She said on the phone even if I get your TPA I will not provide you any information.     A QWR was submitted and the lender has failed to respond prior to the sale date of the home.

Company response to consumer: Closed with explanation