BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: ME
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:
They just closed the following complaint with out doing anything and provided false Information on their response. 

Last Complaint with XXXX Case # : XXXX I called Equifax and checked my transition account and they have no record of me having an account with XXXX  XXXX so they can no assist me with disputing information I even called the Number by XXXX  XXXX and spoke with a supervisor on why the letter I received was in accurate and pressed why the credit bureaus were not showing I even had an account which they directed me to the credit bures which I explained they have no record of me having an account and their for can not help me since as far as they are concerned I don't have a credit card with capital one or XXXX XXXX XXXX . 

I am fed up with this company not doing anything and providing inaccurate information to the XXXX on their response. 

which the one Credit Bureau that is showing them now was only very recently it started to show on my report through XXXX. 

I have requested my credit reports and would like to add them when received in the mail to share with the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 multiple transactions were made through the XXXX XXXX app to transfer money from my saved debit card information. My login for the western union app was hacked and while I contacted XXXX XXXX amidst the transactions and they were only able to stop one payment out of the 6. The transaction amounts were for XXXX, XXXX, XXXX, and XXXX. XXXX XXXX then proceeded to say they would file a complaint with their claims department and flag the transaction amount but could not help with anything else and I would need to contact my bank. Upon contacting CHASE bank, the situation was explained and a claim was started. Initially a refund was granted but a few weeks later we received a message stating the transactions were found to be true and authorized and the money was deducted from my checking account. Chase stated further documentation was needed from XXXX XXXX but XXXX XXXX refused to give me any information and wanted CHASE or the authorities to contact them directly in order to provide the documents. XXXX XXXX was contacted again on my behalf and I was informed to file a police complaint with my local police department. I was able to complete that request online and then proceeded to receive assistance from my local CHASE branch and the case was reopened. Again, both CHASE and XXXX XXXX failed to assist in retrieving the unauthorized money taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Marcus account was closed due to linking an external checking account they said was not allowed but they accepted the money then locked account.It was never stated what type of accounts can and can not be linked now they are holding funds and won't return claiming fraud. Account is closed but won't transfer money back to original accounts. They are now saying you have to send in an affidavit to verify identity. I am falling behind now due to this bank I read multiple reviews and every review complained about account being locked few weeks after account was opened this bank is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: MS
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 contacted XXXX on multiple occasions asking why are they reporting my student loan as delinquent when I uploaded my military orders to their website multiple times. This has caused me to lose my home loan. I advised them that I was XXXX and was not gone to receive any letters that they were sending and they have still failed to fix this on my credit report. They told me to contact the school which I have done three time. I also sent XXXX XXXX XXXX my military orders and deferment request. This is a federal Perkins loan for {$3400.00} which has accrued fees due to this failure to defer this loan under SCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have sent a verification letters of some medical bills on XX/XX/2021 ( it's been over 90days ) and i did not get a response from XXXX, XXXX or Transunion. Also i sent another letter XX/XX/2021 ( it's been over 30 days ) to request a reply and i am being ignored again and again. I have not received any communication regarding this debt from these company, or a courtesy of replying to my letters and it is very frustrating. 
Section 611 ( a ) clearly states that failure to investigate these items within 30 days results in an automatic deletion from my credit report. 
Their negligence has caused me distress and is hampering my ability to obtain a house.

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 2019-12-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, I am writing hoping I can get help getting this creditor off of my back. Portfolio Recovery Associates has purchased 2 of my debts. XXXX XXXX XXXX. These are items I defaulted on over 4 years ago when I was going through some hardships with both of my in-laws had XXXX XXXX. I did default on the debts at the time. I own up to it. Yet the issue is I live in Texas. There is the TEXAS House Bill 996 that took effect XXXX XX/XX/ 2019 and in Section 2 ( c ) it states - A debt buyer, or a debt collector may not, directly or indirectly, commence an action against or initiate arbitration with a consumer to collect a consumer debt later than the earlier of : ( 1 )  the fourth anniversary of the date of the consumers last activity on the consumer debt. Another statue is TEXAS CIVIL PRACTICE AND REMEDIES CODE [ Sec. 16.004 ] FOUR-YEAR LIMITATIONS PERIOD which states : a ) A person must bring suit on the following actions not later than four years after the day the cause of action accrues : 3.Debt The issue is I have contacted Portfolio Recovery Associates 3 times. First I was trying to obtain documents that showed when the last payment were made. They did not send it. Instead they sent paperwork showing the date they purchased the debts. I tried to obtain it from the original creditors but they said PRA owned it and I would have to get it from them. So, I obtain my old credit reports that show the last date I paid on the debt was over 4 years ago. I told PRA and they said it was not evidence proving they are in violation of the 4 year limitation under Texas law. 

These 2 marks on my credit is holding me back and could put my current job in jeopardy. I need to get these remove to improve my credit and ensure I do not lose my job over my score. I have no problem sending my credit info to show and prove I am in the right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602.A. States I have the right to privacy.

15 U.S.C 1681 section 604.A section 2. States a consumer reporting agency can not furnish an account without my written instructions.

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 2019-12-03
Company: Waypoint Resource Group, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I've repeatedly contacted XXXX, now Waypoint Resource Group Collections to cancel my monthly internet subscription with them so that I may move out by the end of XX/XX/XXXX to a new residence. In the screenshots below you will find proof of when XXXX accepted my returned device on XX/XX/XXXX and after months of calling XXXX to get the issue of no payment that is owed to them by me, on XX/XX/XXXX, I was credited back on the account what I did not owe due to paying this account off before the device was returned on XX/XX/XXXX. I've received a Collections of the amount of {$160.00} on XX/XX/XXXX that should not have been on my reports : XXXX nor XXXX at all since the account has since been settled and closed and promised by XXXX   employers over the phone and in the XXXX  store shown in the device receipt of return on both dates : XX/XX/XXXX and XX/XX/XXXX. I've submitted a dispute twice to Waypoint Resource GroupXXXX since XXXX of 2019 and the first dispute to no avail, nothing was done. The second dispute in XXXX of 2019, the balance was decreased when it is supposed to be completely removed. There was no follow up from this company to prove that any amount was supposed to be on my report, given that I have proof in the screenshots below that this matter was supposed to be already dealt with. This account needs to be taken off both my reports immediately as stated in both my disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a consumer credit card with XXXX. I have had the card since XXXX. 

I received an invalid interest charge on XXXX XX/XX/XXXX in the amount of {$3.00}. According to the terms and conditions of the credit card agreement, there is no interest charge when the balance is paid in full by the due date. In this particular case, I paid more than the balance due, yet I was incorrectly charged interest. 

The company indicated that when paying more that the balance due, a technical error in their system improperly charges an interest fee. The bank reversed the charge, however, the bank did not provide a long-term solution to the problem. I have just now reviewed prior statements and determined that there are more charges that have not been refunded. 

I would like to report the company for failing to comply with their own terms and conditions related to interest charges. I do not think the burden of interest fee compliance should be on the consumer especially with a known technical issue.

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 2019-12-03
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company are being deceptive. I grouo emailed my insurance company and mortgage company my pictures and invoice of my roof being replaced. Almost {$2000.00} out of my pocket. Water has been getting into my roof. The insurance company verifed recieving the documents. Vanderbuilt said they have not recieved it. I have proof that they received it. They are very mean to me. The manager XXXX and a few others are unfair when it comes to handling my claim. Paying out of pocket has put me in a financial hardship. Vanderbuilt mortgage out of Tennessee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bank of America continues to fund fossil fuel growth. Fossil fuels are the number one cause of climate change. Climate change is raising our oceans, killing biodiversity, and threatening our food security. 

Between XXXX and XXXX, Bank of America provided {$230.00} billion in lending and underwriting to the fossil fuel industry, fourth among global banks. Over that period, the banks top fossil client was XXXX XXXX, with {$15.00} billion in lending and underwriting provided ; XXXX was also Bank of Americas top fossil client in XXXX, with {$1.00} billion in financing. XXXX is the # 4 upstream oil and gas expansion company in the world. 

The science is clear that achieving net-zero financed emissions by XXXX means stopping funding for the expansion of fossil fuels. Reducing emissions intensity while increasing financing for the fossil fuel industry and overall financed emissions is utterly insufficient to achieve that target and contribute to a climate-stable future. Investors are growing increasingly frustrated with the gap between the pledges Bank of America and its peers are making and the reality of their plans. This shareholder season, they will be holding them accountable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX history of climate leadership and then unveils XXXX emissions targets which are intensity-only, fully compatible with increases in absolute emissions and massive expansion of fossil fuels, especially expanded extraction of fossil gas, said Rainforest Action Network Senior Climate and XXXX XXXX XXXX XXXX XXXX. Bank of Americas intensity-only targets, which lag well behind XXXX and XXXX best practice, put it firmly on the side of climate delay, when time is quickly running out to cut absolute emissions in half by XXXX. 

Enough greenwashing from Bank of America. There is no more time for lip-service. We must end the use of fossil fuels as quickly as possible and Bank of America must do its part by divesting from all fossil fuel projects.

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 2022-10-06
Company: Experian Information Solutions Inc.
State: IL
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:
I sent a letter out on XX/XX/XXXXXXXX XXXX XXXX XXXX to Experian, XXXX and XXXX. Here are my tracking numbers ; Experian : XXXX XXXX XXXX XXXX XXXX : XXXX According to the law 15 U.S. Code 1681i -Procedure In case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete The item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have no knowledge of said collection. I was never given anything with my signature. I was never given a bill. No proof of any ownership. Therefore this needs to be deleted from my credit report.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: NV
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-09
Company: EQUIFAX, 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:
I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed a dispute with Experian and submitted a letter from the Bankruptcy Court who stated and verified they do not share personal information to third party agencies. I have not given Experian any rights to share my personal information nor have I signed a release to release my information. I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor or Court to receive and publish my personal information.

2. The contact information for the Court that provided my personal information 3. The name of the person who verified the item to you and proof of my signature that you had permission to search for my information, publish it and share my personal information. 
4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth and a signature. 
I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results

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 2023-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital One has sent me nonsensical and incorrect documentation in regards to fraudulent charges that were not made by me and posted to my credit card. I have been treated inappropriately by Capital One on numerous occasions, and I feel it has do with a XXXX bias against me. This issue involves fraudulent charges that I do not recognize and Capital One is refusing to remove. Capital One is the only credit card company I have ever had an issue with of my numerous cards, they are abnormal in their response and behavior and are not abiding with US Law. The Fair Credit Billing Act ( FCBA ) protects consumers against inaccurate or fraudulent credit card charges and other billing errors. 

XXXX has charged my card for {$120.00} total, I do not recognize these charges, and Capital One is refusing to remove them. I was charged on four separate occasions. I have submitted all information to Capital One, of which I have copies of, and they are still refusing to remove fraudulent charges from my card. They sent me the following communication : " We opened a dispute case on XX/XX/2022, because you stated that you were unaware what these charges were '' They are acknowledging that I reported fraud to them, and are doing nothing about it. Nor have they provided any information on their findings in the dispute process or how they arrived to their conclusion. They have provided no evidence or proof of anything- they are simply refusing to remove fraudulent charges because it benefits them financially. They have also stated " We issued a permanent credit on XX/XX/2022, for the XXXX XXXX XXXX that occurred on XX/XX/2022 '' This is incorrect, all charges totaling {$120.00} were put back on my card. They are lying directly to the CFPB. Also, how can they give a credit for a charge in XX/XX/XXXX that they said occurred on XX/XX/XXXX, XXXX month after? They are lying directly to the CFPB and not even making sense, it shows the lack of respect this company has and how it does not take the issue seriously. 
Capital One 's behavior is in direct violation of the XXXX Credit Billing Act. Here is the law directly from the FTC website : " If the issuer determines that you owe the disputed amount, they must tell you promptly and in writing how much you owe and why. You may ask for copies of documents that the issuer says prove you owe the money. '' I have asked them for documentation proof or evidence of these false charges and they have not provided it to me, as the law states they must. Capital One is violating consumer law, and I believe it is due to prejudicial bias against me. I am asking the CFPB and FTC to assist me against this predatory company. It is disgusting how poorly they treat the family of a veteran.

Company response to consumer: Closed with explanation