BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Capital One XXXX credit card. 
I have not used my credit card in well over XXXX  months. 
It does not even work. I reported this issue to them. Furthermore, there were fraudulently charges made in or around XXXX of this year for about {$30.00}. I had no idea there was any activity on the account. The credit card company issued about {$120.00} in charges related to this single charge not being paid. When I became aware of this around XX/XX/XXXX, I brought the fraud to the company 's attention. I also, to protect my credit, paid by check by phone over {$140.00} XXXX XXXX XXXX to pay off the balance while they investigated. This was to prevent the right hand not speaking to the left and a charge off occurring. This is because I have a XXXX XXXX XXXX to protect. I am in the middle of a refinance. I also have business credit cards that rely on my personal credit history. All got harmed because of Capital One being incompetent and unhelpful. 
Yesterday, I was on the phone with them for over XXXX hours reviewing XX/XX/XXXX - the money I paid -- where did it go? On XX/XX/XXXX, from XXXX XXXX, I paid online another {$47.00}. Where did this payment go? Why is the current balance on Capital One showing {$140.00}. They have violated my rights under the Fair Credit Act. The account should be XXXX balance or even negative. They need to restore the credit card to good standing. I do not want to close the account. And they need to update the credit bureaus to reflect that this was their error and they improperly reported. I have identification numbers on the employees I spoke with. XXXX '' XXXX '' XX/XX/XXXX -- he could not locate where my XXXX payments went. He transferred me to escalations. I spoke with XXXX. I spoke with XXXX. {$100.00} are bank fees. {$13.00} are interest charges. They need to remove these. My account ends with XXXX The credit card has an expiration of XX/XX/XXXX. I have been a client of their since XXXX. I have called them over 6 times since XXXX and they are not helpful. They keep saying this is en effort to collect a debt .... And then they ask me to start over again. I ask them what do the notes say? Why am I having to repeat myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 would like to start my statement by saying I am a victim of the XXXX data breach. Back in the early month of XX/XX/2022 I contacted all three credit bureaus for validation of the debt they have inaccurately reported to my credit profile in hopes of having it permanently removed. I have found *several* contradicting information on my report that further prove my suspicion of these accounts being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation/inconsistencies differing across the three credit bureaus. I kindly request these items to be removed completely, never to be added back again. 

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are accounts completely unaccounted for in XXXX or XXXX credit bureau profiles for myself . There are inconsistencies with the accounts close/open status.The payment status showing as 100 % paid on XXXX credit bureau and charged off on the others. It shows accounts not being updated for a year or more on XXXX to a couple bureaus and then updated as recently as last month on the other. This is a clear indication of FCRA being violated and I will not fall victim to this wrongdoing. I was involved in a data breach involving XXXX, and have reported my identity stolen to all the proper authorities. This inaccurate reporting is not in co-ordinance with the Fair Credit Reporting Act and the record keeping is not only embarrassing but my personal life is being affected because of it also.

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 2021-03-11
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed an account placed on my credit report I have no knowledge of this account this is a result of fraud and I have no knowledge of this company the balance is XXXX I would like debt validation such as my signature on file or a document to prove this is my bill if no validation is available I would like this item remove from my credit report within 24 hrs or receipt of this notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I entered into an agreement to refinance my mortgage with Freedom Mortgage ( also my current lender ). They have canceled my closing twice at the last minute due to document problems on their side. I stopped the refinance process with another lender because I believed I had a closing scheduled with Freedom Mortgage. I believe Freedom Mortgage is deliberately delaying the process in order to get my rate lock to expire. 

Here are the people I have spoken to at Freedom Mortgage XXXX XXXX NMLS # XXXX XXXX NMLS # XXXX XXXX XXXX ( processor ) XXXX XXXX ( escalations ) XXXX XXXX XXXX ( escalations ) XXXX XXXX XXXX ( loan processing manager )

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 2023-10-09
Company: Experian Information Solutions 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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX 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
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: GA
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 HAVE REACHED OUT TO EQUIFAX SEVERAL TIMES CONCERNING THE NEGATIVE IMPACT ON MY CREDIT REPORT. THIS HAS CAUSED A GREAT DEAL OF STRESS AND MISSED OPPORTUNIES FOR ME. LATE /MISSED PAYMENT FROM TWO CREDIT CARDS XXXX XXXX XXXX XXXX  AND A PERSONAL LOAN ALL FROM XXXX XXXX XXXX . THIS NEGATIVE REPORT IS A DEFLAMATION OF MY CHARCTER. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act Convergent Account # 12345, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Sent from

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My primary dwelling is currently in foreclosure and scheduled to be auctioned on XXXX. In the midst of this attempted theft, I requested my closing documents and it has been brought my attention that FRAUD has been committed. There are multiple signatures from people that were not present on the day of closing ; including a notary signature and seal. I also did not receive any of the proper disclosures during closing or anytime afterwards. My closing documents were not clear and conspicuous and I entered into an uninformed Consumer Credit Transaction without proper knowledge. Please be advised that XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Lakeview Loan Servicing LLC have committed a federal crime. Lakeview Loan Servicing LLC has told the State of GA that they are my attorney and this is FALSE. I have NEVER spoken with anyone at this company nor given anyone in their employment permission to represent me in any legal compacity. LAKEVIEW LOAN SERVICING ARE NOT MY POWER OF ATTORNEY! XXXX XXXX and Lakeview Loan Servicing are attempting to steal my primary dwelling. They are severely impacting my livelihood and the livelihood of my dependents. They are infringing upon my constitutional rights as a natural person. They are attempting to steal my safe and private housing in the midst of a housing crisis. XXXX XXXX and Lakeview Loan Servicing has posted my private information on XXXX and ever since I have been harassed constantly via texts, emails, phone calls, and strangers showing up to my home. I fear for my life, well being, and the safety and security of my dependents. I have sent notices of dispute and my affidavit of truth to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Lakeview Loan Servicing LLC, and XXXX XXXX XXXX XXXX XXXX XXXX  ; bringing to all of their attention the criminal act that has taken place to no avail. None of them have responded and my home is still currently listed for foreclosure.

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 2021-03-11
Company: Experian Information Solutions Inc.
State: MI
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 a XXXX  mastercard ending in XXXX through XXXX XXXX, which I had disputed unauthorized charges from XXXX XXXX XXXX over 3 months ago. After numerous complaints an employee from XXXX XXXX finally contacted me on XX/XX/2021. 
This employee identified himself as XXXX ( runs the back office for XXXX XXXX ). XXXX XXXX goes through XXXXXXXX XXXX  to offer the XXXX Mastercard. 

XXXX attempted to explain why my disputes were not handled properly and why they were furnishing inaccurate information to the credit bureaus. XXXX did apologize for the way my account and issues were handled which I appreciated. XXXX requested to start over with my original disputes and allow him to conduct the investigation that should have been conducted 3 months ago. 

I informed XXXX XXXX would no longer discuss this issue until the balance the XXXX card is wrongly reporting is updated correctly to a XXXX balance. I explained what I have been through and how the inaccurate reporting has caused me financial, and emotional harm. XXXX was not receptive and our conversation ended. About an hour later I attempted to log in to my XXXX Mastercard account and was blocked. As of today XXXX XXXX my account continues to be blocked. 

I can not access it online or by phone. I have called customer service numerous times and no one has been able to help me, I am placed on long holds without anyone picking up the phone. If there is a small balance remaining I have no way of making any payments. I am completely blocked and one representative claimed the entire account was charged off for fraud. Makes no sense ... If XXXX reports this account in any negative way it is clearly a deliberate attack to harm me by ruining my credit more than they previously have.

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 2023-03-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On or about XX/XX/2023, my credit card ending in XXXX was charged {$92.00} by XXXX XXXX. I DID NOT make this charge. I contacted XXXX and can not find that it is connected with any of my previous rentals. This charge is unauthorized. I disputed it with Chase, but on XX/XX/2023 received a form letter response that simply states I am responsible because " you received a benefit from this transaction. '' What does that even mean? 

I did not authorize this charge, and under both the cardmember agreement and federal law I am NOT responsible for unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
These customers reps want XXXX per month I can not afford what they want, sallie mae is hard core refusing to assist they are not willing to work with me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX got a copy of your Equifax Credit Report XXXX 
XXXX XXXX XXXX made a Inquiry by checking your Equifax Credit Report. 
XXXX XXXX XXXX XXXX Address Equifax XXXX XXXX XXXX Credit Bureau Dispute Resoluti, XXXX XXXX, IA XXXX XXXX Company Address Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to Covid we were late on our mortgage payments. We have since been on time for 12 months and the last 60 day late should of dropped off this month and has not and is hurting us from getting a new mortgage. 

We did our part and not sure why the mortgage company is not reflecting this.

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 2021-10-29
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and inaccurate accounts as well as unauthorized inquiries which I have no direct engagement with appeared in my credit report. I have already sent a proper documentation for these items to the bureaus and they did not removed them.

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 2023-10-09
Company: Experian Information Solutions Inc.
State: GA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2021-04-20
Company: BANCO POPULAR DE PUERTO RICO
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 account i have been disputing with XXXX  is the account BPPR - Banco Popular de Puerto Rico Mortgage. The information is wrong because in the report the say last payment received was XX/XX/XXXX and in the history they said that no payment was made First dispute XX/XX/XXXX Second XX/XX/XXXX Third XX/XX/XXXX XXXX. XX/XX/XXXX Still this situation hasnt been resolved when is a clear mistake in my report just by looking at it. All other companies had eliminated this from my report except XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Experian Information Solutions 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:
My XXXX account has been showing that is has been pasted due for more that 6 months which is not correct. I have made payments every month on this account. When this account was closed my {$200.00} security deposit was applied to balance. For some reason my required due each month was more than 300 % what it should have been. 

I have added the bills and payment history to this email. XXXX stated they would not correct my credit report and stated information is correct when it is not.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion is being non compliance to FCRA law by still reporting and did not block per my request incorrect, and inaccurate information, that is the direct result of identity theft. They are also dealing in deceptive practices by claiming I did not send all relevant personal information required to investigate the dispute in an attempt to circumvent following FCRA laws. On XX/XX/1023 I realized XXXX XXXX account XXXX XXXXXXXX is reporting on my credit report.it is inaccurate and incorrect information due to identity theft. I sent Trans Union a dispute, requesting to block the said information along with a FTC report l. They responded 6 days later to which is out side the 4 day block law in the FCRA state they are not blocking the information to which I am in title to have block due to identify theft. This is an attempt to circumvent blocking said information that should be blocked under the law.

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