BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-08
Company: EQUIFAX, INC.
State: LA
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:
Equifax credit reporting agencies or persons has violated the following fair credit reporting act sections on my consumer reports : 15 U.S. Code 1681 - Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting, 15 U.S. Code 1681e - Compliance procedures- ( a ) Identity and purposes of credit users, 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, 15 U.S. Code 1681a - Definitions ; rules of construction, and 15 U.S. Code 1666b - Timing of payments. Equifax is reporting the following accounts and information violating the laws I listed above : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I've also attached the fair credit reporting act laws so the person can read the laws they violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: RoundPoint Mortgage Servicing LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received my tax bill from the county and found that I was paying double the tax I was assessed. I called ROUNDPOINT Mortgaging Servicing Corporation and I was told that I am going to receive a check for {$1900.00} and that my mortgage payment would decrease from {$1000.00} to {$900.00} ( and change ). I was also told that it would be sent through the mail to my personal address by the XXXX of XXXX. This call was made around the XXXX. I received a call a few days later and the representative on the phone told me that I would be receiving {$1300.00} ( I don't have the exact amount ) and they didn't say anything further about my decreased mortgage payment. I received another call from them saying that my refund would be {$800.00} ( I don't have the exact amount but it was XXXX dollars and something ). They indicated to me, at the beginning of each call, that the call would be recorded. The information I have provided should be available on their recorded line.

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have multiple accounts that should not longer be reporting to the credit bureaus because they have been " charged off as bad debt '' and I have already received 1099-C Cancellation of Debt forms from each and every single creditor reporting that I owe money on the closed accounts. 

I believe it is against the spirit of the law, and possible the US Code itself, to have a debt that is no longer legally enforceable ( due to passing the Statute of limitations ), have the debt cancelled, reported to the IRS, and taxed to me, and then continue to report it monthly as an open debt, or in collections. 

Reporting that the debt was cancelled and booking the loss, yet continuing to try to collect the debt is wrong.

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 2022-10-28
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have tried repeatedly to close my Pay Pal account. I no longer have access to it. Their agents say it can't be closed because I have a Venom account which is owned by PayPal. 

I do not have a Venmo account and attempts to log in to Venmo or get a password reset show I do not. Further even if I did it would not be a joint account with PayPal and should not be a reason to not close the XXXX XXXX account. 

I received a fraudulent XXXX email yesterday claiming there had been an attempt to transfer {$500.00} from the account. A call to PayPal confirmed it was a fraudulent email. Yet when I insisted the account be closed the agent said she would email me something. Repeated attempts to send the email did not work, nor did providing a second email, nor did an attempt to text me. 

PayPal is subjecting me to potential fraud and liability by refusing to close this account which probably also has a credit card still attached to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: MS
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 recently received a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-07-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft and has notified Experian of my identity being tampered with. I have requested for unauthorized inquiries to be removed from my report. There are several unauthorized inquiries that needs to be blocked from my credit profile. 

My request is for the following Creditor inquiry to be Blocked XXXX XXXX : Dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: MA
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Synovus Bank
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I applied for First Progress Secured MASTERCARD/ Synovis Bank on XX/XX/2023. Paid {$200.00} security deposit which which was debited from and posted to my checking account on XX/XX/2023. The card never arrived. There is no email address to contact First Progress/ Synovus Bank . The phone number asks for the credit card number but that is impossible since Ive never been issued a card. They just took my money. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Experian Information Solutions Inc.
State: NE
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:
Contactedcustomerservicebuttheywouldnotfixit.Closedaccountstillreportingeverymonthisaviolationoffcra.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX {$370000.00}

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 explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX XXXX - Account Number : XXXX - I mailed letters to XXXX XXXX XXXX XXXX and Transunion on XX/XX/2023 requesting that they all remove late payments accounts from my consumer credit report as this information is listed in violation of the following consumer credit protection laws : 15 USC 1681 Section 602 which states that I have the right to privacy 15 USC 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written consent. *15 USC 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for purpose. The account has also been paid as agreed and closed. If an account is closed the company may no longer report it as late!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This is a follow up complaint to the initial complaint # XXXX. 

As a response to that complaint, Capital One was supposed to issue a {$100.00} credit. 
However, that has still not happened. 

Capital One is continuing their dishonesty about the resolution. 

They credited XXXX miles to my rewards account claiming the XXXX miles have a value of {$100.00}. 
That is BLATANTLY incorrect and dishonest! 

The value of of XXXX miles according their own redemption website is ONLY {$5.00} and NOT {$100.00} as they claim. 

Please see attached screenshot where I am trying to redeem XXXX miles for statement credit. They are calculating that as {$0.00}. If XXXX miles equal to {$0.00}, by simple math XXXX miles have a value of only {$5.00}. 
Please see attached screenshot and their letter. 

In order to credit my account by {$100.00}, the reward miles need to be XXXX and NOT XXXX. They have only credited {$5.00} and not {$100.00} per their letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17
Company: MIB Group, Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is in reference to my MIB report Several companies accessed my report without my explicit permission : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 
I would like those inquiries erased. 

XXXX added false data to my report without my permission. they conducted a third party exam showing 3 problems. I had an exam consequently with a medical doctor and the results were opposite. I have contacted XXXX several times with out success. I would like their information removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: JPMORGAN CHASE & CO.
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:
on XX/XX/2023. My XXXX received a call from supposable the fraud department at chase. They seemed to have all his info down to debit card #. There were wire transfers made from my business account in the amount of {$21000.00} and {$31000.00}. I have never once in my life have done a wire transfer before. While I was at the bank another attempt from my personal savings account of the amount of XXXX was made. I was able to stop that one, because I was at the bank. What I don't understand is how Chase Bank allowed so many transfers to go through. When I try to pay for things myself I always get blocked get an text and email to confirm my charges. When I talked to the claims department they told me I would receive a packet to fill out by mail only. To this day I haven't received the packet and I asked them if they can email it to me and they said no, it has to be by mail. I received a phone call from the claims department with a denial. A banker at Chase put in a request with the Escalation Department and they called me with the denial also. I feel abandoned by this bank with no communication, I feel they should have sent an email or text with a fraud alert to get my approval like they do with everything else. I am very, very disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On or about XX/XX/22, a gentleman by the name of XXXX from Rocket Mortgage ran my credit without my consent. I complained to Rocket Mortgage and a young lady by the name of XXXX XXXX , Phone number XXXX XXXX, responded. She advised by phone that I really do not have to give my permission per se when I was asked about my date of birth and gave the last four of my SS number it was understood I was giving permission. I told XXXX, I wasn't interested in his product and never gave him permission to run my credit. The reason I gave him this information is because he said he wanted to confirm I was who I said I was. XXXX reached out to me on two occasions and on the last, didn't deny any wrong doing or take any credit for any wrong doing. I told her if anyone was to call me from Rocket Mortgage, my first statement would be to tell them, I didn't want my numbers run. I was civil the whole time but very unhappy with Rocket. XXXX, initially, stated she could stop the hard inquiry that XXXX made but was over ridden by sales or management figuring I was an old man and who would know. I have good credit and I am trying hard to keep it that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: CCS Financial Services, Inc.
State: MD
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 collection company is in violation of the FCRA 15usc1681, 15usc1681B and possibly extortion. This is the final attempt before a civil lawsuit

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: ALLY FINANCIAL INC.
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been locked out of my ALLY bank account since XX/XX/XXXX. I have had multiple, more than XXXX contacts with ALLY with no satisfaction. They keep telling me they know what the problem is and its in triage and someone will call me. No one has called me. 

The week of XX/XX/XXXX I asked them to send me my XXXX statement via email. Was told it would take XXXX business days. Today I get a call indicating they cant send a report that I normally see online because I have a joint account with my spouse. When I called XX/XX/XXXX to check the status of getting online access I had the representative read me all of my account balances along with the last 4 positions of account numbers. I could use this to cross reference, XXXX is one of my accounts. 

1. I need online access to my accounts.

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 2018-08-10
Company: JPMORGAN CHASE & CO.
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
i did a credit report and found 2 accounts in my name ( chase card ) ( XXXX XXXX ) and immediately reported it for fraud i was told they would investigate it and get back to me this was in XX/XX/2018, i never heard back so i called again, during this process i discovered that my estranged brother XXXX XXXX admited it was him using the card in my name. so we both got on the phone in a conference call explaining the situation he accepted responsibilty for the fraud. chase told me they would do investigation and contact me back, in the conference call my brother XXXX XXXX took responsibilty of the charges so chase said they would contact me back, so 2.5 months go by i never here anything on the investigation i call back to find out the status chase told me they will re open the account and then send a transfer of liabilty form for both of us to sign this was on XX/XX/2018 2.5 weeks later i called to find out where the forms where to sign and nobody i spoke with knew what i was asking i was transferred around for over a hour speaking to several people and finally i spoke to a XXXX employee id # XXXX at chase he said the last person that told me they would allow transfer of liability was incorrect in her statement to me i asked for her info or employe id # XXXX told me he couldn't give out this info without a subpoena, so on XX/XX/XXXX XXXX again told me i had to contact another department called the lending department at XXXX i spoke to a receptionist and said i would have to leave a messge for someone to call me back within 24 hours as of today nobody has called me back XXXX-18. i have been constantly mis lead by chase time after time. i dont think they have people or staff that want to help or know how to help me, i am so frustrated they make statements but nobody follows up on them or does anything and now my credit rating is getting hurt because nobody can help with incorrect information. 

i have filed a complaint with XXXX XXXX and my local police department police department report number XXXX XXXX police dept XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX officer XXXX XXXX XXXX dispute # XXXX i want to file a complaint against chase not wanting to resolve or do anything affecting my account XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: NY
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 don't know these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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