BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
am being racially discriminated against! I do not appreciate how I am being treated as a XXXX woman, due to incompetence and False allegations are being made against me due to my race and its not fair. On Friday XX/XX/2021, Ive received an email from Capital One Bank Card Investigation and it stated that Weve decided to close your account ending in XXXX and XXXX because we observed activity that is inconsistent with our terms and conditions I was very confused to why my account was frozen, Ive never breeched any terms and conditions. out of frustration Ive contacted the number provided ( XXXX ) and Ive spoken with a XXXX male ( name unknown ) and he reviewed my account and stated he do not see why my account was frozen and that he will notate the account and reach out to the person that has frozen my account, its so happens the person who closed my account is a white woman ( name unknown ) he stated the the lady who has blocked my account was out for lunch and to give him my number and he will have her call me back, Ive waited and never received a call, Ive went to my bank speak to someone to demand an explanation and theyve reviewed my account did not see any suspicion on my account and that everything is currently active, the teller asked me did I speak to anyone regarding issue, I said yes and she stated that the account had not been notated, I said thats funny because the representative stated he will notate the account ; the teller called the card investigation department and was told that I have 3 open credit disputes, and I said that was false because all of those disputes are valid which were for a total of {$200.00} and Ive received an email yesterday stating my disputes have Been resolved and the claim will be closed, so why is {$1200.00} of my money being held? something is very fishy and its not adding up, I want my money back immediately! We are in the middle of a Pandemic and no one seems to care, I am currently unemployed and facing eviction! I have to pay my rent ( {$1300.00} ) and utilities Capital One Bank is playing with my livelihood and emotions, I am currently dealing stress and XXXX I am in financial distress, I need my money back! Please resolve this issue as soon as possible, thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage balance was incorrectly reported on my credit report. My report says {$500000.00} but my statement on XX/XX/2023 and the account information online as of today says {$500000.00}.

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 2023-06-29
Company: EQUIFAX, INC.
State: FL
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:
This Account is Fruadulet, Under the Fair credit Act, This XXXX XXXX XXXX  Account was open Fruadulet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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: Account status incorrect

Complaint:
This is XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-12-20
Company: Experian Information Solutions Inc.
State: SC
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:
EXPERIAN IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EXPERIAN ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2023-09-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023 I filed a dispute about two electric scooters I had bought, which did not meet advertised specifications, and I had therefore returned scooters to merchant, XXXX XXXX XXXX, XXXX, XXXX. Chase then called on XX/XX/2023 and stated merchant denied having received return. I provided reference numbers for the two returns to Chase, per return receipt, which is all Chase requested, they specifically said they did not need copy of return receipt. I was then contacted by Chase again on XX/XX/XXXX, and they stated they had closed dispute, upon review by Chase representative, she admitted this is was closed by mistake, apologized, and said only way to continue was for me to file an appeal by fax, to reopen case, which I did with all documents. I then called Chase on weekly basis and was told all was OK. When I called on XX/XX/XXXX, they told me they had again closed the dispute. The reason was very strange. They said the first dispute was still active in " another department '' when I filed my appeal, which they had asked me to do, and so, due to appeal, the first dispute was closed. But because the first dispute was still active, also the appeal was closed. So today, on XX/XX/XXXX they asked me to again file a second appeal! Which I have now done. But, when I look at my online account statement, it says dispute is still open! So nothing Chase says make sense, they have an utter mismanagement of this case, and meanwhile I have no merchandise, I am being charged {$1100.00} for something I have returned, since Chase also failed to issue a new credit and instead refilled full amount on XX/XX/XXXX. Not only this, but merchant has called and stated they will charge {$60.00} for every month I do not pick up the scooters! So I am now between a rock and a hard place because of Chases utter mismanagement of this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
XXXX has place derogatory account reporting on my credit profile from XXXX XXXX Bank Address : XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Dated : XX/XX/2023 Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Bread Financial Holdings, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have constantly tried explained that these account were open fraudulently. I have awaited a letter in the mail to dispute this and I have not received that. Every call I get from this company, I have explained that I am waiting on a letter to complete the next steps in disputing these accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: WELLS FARGO & COMPANY
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Sometime in early XXXX I opened my Wells Fargo bank account, they had offered me a college level credit card because they stated they seen a young working man. I applied and later got the credit card, since then I believe they have been wrongfully charging me excessive fees. Finally in early XX/XX/2018 I reached out to Wells Fargo stating that I had felt that I was wrongfully charged in the fees I was receiving while having the credit card. Wells Fargo replied with a letter that I received in late XX/XX/2018 stating they would look in to the matter. In early XX/XX/2018 Wells Fargo sent me a letter stating they did not want me to take legal action because they felt they had not wrongfully charged but also stated they would take care of the credit card fees as long as I paid the remaining balance of the credit card which was {$330.00}. I paid the {$330.00} at the Wells Fargo on XXXX and XXXX XXXX in XXXX, New Mexico on XX/XX/2018. At this time I was informed there was not a remaining balance by the bank teller at this branch. On XX/XX/2018 I received multiple letters from Wells Fargo stating that at the time I had remaining balance of {$3.00} which caused multiple future credit card fees in which I refuse to pay because I was told by the bank teller that my credit account was paid off. I have informed Wells Fargo at this point I am fed up with their shady fees and have stated to them 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 explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX XXXX are consumer reporting agencies and I am the Consumer. 

Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of informationto credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission.

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 2020-09-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I called chase on XX/XX/19 to close all of my credit cards and replace them since I lost my wallet while I was on vacation. I just got my new cards yesterday and I notice theres still transactions going through on my old credit cards. I couldnt have been more specific I told them to close all my cards and reissue them. Today Ive been on the phone already for 30 minutes talked to 5 representatives and they keep telling me their system has an algorithm that decides which merchants are trusted to allow transactions to go through even though my cards were closed. I ask to speak to a manager and instead I get someone named XXXX who is not a manager who once again tells me their system uses an algorithm to decide which transactions are ok or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: CCS Financial Services, Inc.
State: MS
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 According to the fair credit reporting act XXXX  account CCS Collections Agency has violated my rights. 
15 U S C 1681 section 601 A section 1 states I have the right to privacy.

15 U S C 1682 section 602 section 2 also states a consumer reporting agency can not furnish account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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 2023-06-29
Company: EQUIFAX, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland Credit Management pulled two payments from my account, although somehow had no record of the first payment. 
On XX/XX/2020 they pulled {$30.00} On XX/XX/2020 they pulled {$34.00} When I contacted them on XX/XX/2020, they insisted they only pulled one payment for {$34.00}, and had no record of the payment on XX/XX/2020. They then asked me to send my personal bank statements as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 second 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 Balance : - XXXX XXXX XXXX  XXXX Balance : - Bankruptcy XXXX  XXXXdismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Bankruptcy XXXX  XXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Child support Date Filed/Reported : XX/XX/XXXX Reference # : 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 2018-04-23
Company: Navient Solutions, LLC.
State: FM
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:
1. Private Student Loan originated -XX/XX/XXXX 2. Repayment began XX/XX/XXXX 3. Faxed in school deferment forms XX/XX/XXXXwith verification of enrollment. ( I have proof of documentation as well as correspondence from Navient of eligibility of deferment ).

4. Was told to make 3 payments of specified amount by XXXX XXXX  ( XXXX ) to make loan current through beginning of school Fall XX/XX/XXXX semester beginningXX/XX/XXXX with registrationXX/XX/XXXX ( I have proof of payments made and account in good standing as well as enrollment verification. )XX/XX/XXXXPayment - {$66.00} XX/XX/XXXX Payment - {$120.00} XX/XX/XXXXPayment - {$100.00} 5. Was First notified on XX/XX/XXXX that loan was in default with no previous contact or notification from Navient except for a " this is not a bill '' statement received onXX/XX/XXXX.

6. I was told on XX/XX/XXXX by representative to resend documentation of deferment ( I have email proof as well who I spoke with ).

7. XX/XX/XXXX loan was charged off without warning and I was notified by XXXX XXXX XXXX.

8. Called Navient, filed complaint, they researched into this complaint and in less than 24 hours without contacting me for any documentation said there was nothing they could do even with the proof of documentation I sent.

9. Currently, 4 law suits against Navient for this exact reason.

10. Please help as it is preventing me from getting financial aide to complete my education.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: NV
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:
I sent a letter multiple times to XXXX, Experian, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear Sir/Madam, I am writing to bring to your attention certain outdated personal information that is currently present on my consumer report with your agency. I kindly request that you take immediate action to remove this outdated information from my report in accordance with the Fair Credit Reporting Act ( FCRA ). 

I have recently reviewed my consumer report and noticed that some of the personal information listed is no longer accurate or up to date. The outdated information includes : I understand the importance of maintaining accurate and current information on consumer reports, as it directly affects my ability to secure credit, loans, and other financial services. As a responsible consumer, I believe it is essential that the information provided by credit reporting agencies accurately reflects my current circumstances.

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 2023-10-02
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Credit reporting 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:
My mother applied for a credit card on my behalf that I was in aware of during the opening of my account XX/XX/ leaving a hard inquiry. Recently my mother was looking into a potential co loan with Navy Federal, and the they ran my credit as well XXXX. Both inquires were unauthorized and Ive reached out to both Navy Federal and XXXX to inform them of the inaccuracies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation