BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 was once a subscriber to XXXX XXXX XXXX XXXX service and enjoyed the meals and service. Because we weren't cooking at home as often, I paused the subscription and then attempted to cancel it. on XX/XX/23, I received an email from XXXX XXXX representative XXXX statins that she had " deactivated my account and removed billing and email information ''. I then received another meal. I assumed it had been shipped prior to the email from XXXX. I then received XXXX more meals and each time, I reached out and replied to XXXX ' original email to let her know that service had been canceled, I had not been on the website to change meals, and I should not be getting them. I checked the credit card I use most often, XXXX  XXXX XXXX, and found nothing charged. I finally looked at my Capital One card and low and behold, there were the charges. I immediately disputed the charges and they were temporarily removed. There had been XXXX shipments and XXXX charges, and I disputed XXXX, because clearly I had communicated with XXXX prior to the last XXXX being shipped as you'll see from the timeline below : XX/XX/23 email cancellation confirmation from XXXX XX/XX/23 Home chef charge XXXX initially but realized package XXXX have shipped before reply from XXXX XX/XX/23 XXXX chef charge XXXX # XXXX XX/XX/23 Response email sent to XXXX regarding continued boxes XX/XX/23 Home chef charge XXXX # XXXX XX/XX/23 Home chef charge XXXX # XXXX XX/XX/23 Another response email to XXXX regarding continued boxes XX/XX/23 Dispute was filed with Capital One when charges were realized they were there XX/XX/23 Received letters from Capital One that confirmation showing no cancellation per policy received and that correct documentation had not been received XX/XX/23 resubmitted complaint with all requested documentation XX/XX/23 Received statement saying they had closed the case because all documentation needed was not included. 

Ive attached ALL documentation that I have. I plan to cancel this card because if this is the way Capital one does business, I want not part of this. I am a college educated professional with a credit score over XXXX, which shows I pay my bills and take care of my business. As youll see from documentation attached, I have dotted my eyes and crossed my ts and done everything I could to XXXX these shipments and XXXX them from being charged for something I never ordered/wanted to continue. 

Thank you for the consideration and please reach out if I can clarify or answer any other questions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-27
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states that consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section Sates : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than the record of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cost to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Mortgage Lenders Investment Trading Corp
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for an FHA refi with RP Funding FLORIDA. They took the application, locked the rate, collected the funds for appraisal and this was completed. Weeks later the loan officer sent me a screen shot of a XXXX. It was from the XXXX from a disaster XXXX loan in 2016. Told me they were cancling my application and reapply if i ever pay it off. This was discharged in XXXX. I sent the XXXX  docs. I contacted the XXXX whom drafted a letter that the loan was discharged and in a charge off status, they wrote a letter that this is an acceptable per the credit act and I also contacted HUD. They stated charge off is an acceptable status and that the lender should continue worh my application. I have not gotten a missing items letter or anything. They took the appraisal money, and told me to come back. HUD Also stated that a lender can not deny based solely off of XXXX for a disaster loan in a charge off status. They are giving me verbal denials and still caling thr loan delinquent when it's not, it's charge off. They won't allow me to talk to legal or compliance team. Only loan officers call back. Not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-07-07
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX I unexpectedly received a statement from my Home Depot credit card with a balance of {$100.00} with a past due amount of XXXX. I immediately contacted customer service to inquire why there was a balance as I had paid my balance in full in XX/XX/XXXX. The rep told me that the balance was late charges for XXXX, XXXX, and XXXX because my payment in XXXX was not posted until XX/XX/XXXX, two days past the due date. I asked why I was never contacted and the rep informed me that my account was set to do not call in XX/XX/XXXX, but could not explain who or why it was that way. During the call I reviewed my bank account and confirmed that the payment was delivered on XX/XX/XXXX. My bank debits my account once the payment is processed by the payee. The rep told me I could only mail in proof of the payment there was no other way to provide evidence, and I would continue to accrue late charges until the letter was reviewed. I asked to speak to a manager and was transferred over and over until finally the call was disconnected. The company never attempted to call me back to resolve the issue. 
I don't believe it is ethical to allow my account to accrue late charges and not contact me, or allow me to provide proof of payment by reasonable means when everyone operates in an electronic world these days. I am a senior living on fixed income and can't afford to pay {$100.00} of fees when the payment was received by the due date of XX/XX/XXXX. I feel this is unfair and an attempt to earn fee income.

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 monetary relief
Consumer complaint received 2022-06-09
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Makes Cents, Inc. dba Advance.Cash
State: NJ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
They threatened to have me arrested yet never provided me with information regarding a court date, payment choices nor have they attempted to contact me prior to sending a threatening email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Experian Information Solutions 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:
I am a victim of identity theft and I have accounts on my credit report that doesn't belong to me. I have discussed this matter with the credit bureaus in the pass couple months and I only received the same results, that they have verified the accounts as accurate but does not send me the consumer information on how or who verified the accounts as accurate. As a consumer I have a right to know who provide such false information because that may be the way this all has started.

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 2022-02-23
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

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 2022-10-10
Company: SECURITY FINANCE CORP
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I received an auto loan from Professional Financial Services in XXXX of 2022. I got the vehicle from XXXX XXXX XXXX. At that time I was never informed that I was able to rescind my contract, if I found anything wrong or false in the contract or if I'm unhappy with the vehicle. I was also told that I was required to pay a down-payment to drive off the lot with the vehicle. I also never received a full sales contract detailing this " consumer credit transaction ''. I have asked numerous times for a contract so I can thoroughly review it in detail, and I have gotten nothing but harrasing phone calls when they want me to make a car payment.

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 2020-08-06
Company: JPMORGAN CHASE & CO.
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This complaint is regarding a disputed charge of {$410.00} on a Chase Bank credit card for a purchase that was made on XX/XX/2020 by my spouse and I for tickets to a baseball game that was delayed by the Corona virus and eventually cancelled and not rescheduled. After unsuccessfully negotiating with the ticket source ( XXXX XXXX  XXXX. ) for a refund we contacted Chase Bank in an attempt to resolve the issue. Chase Bank has been unwilling to issue a chargeback for this purchase and refund our money. They have on three different written occasions maintained that the transactions are valid and no billing error has occurred. 

The PDF file included with this complaint provides background information which includes on page 1, the latest response from Chase Bank which we received XX/XX/2020. This reiterates their previous reply ( dated XX/XX/2020 ) which states in part, While you may have a valid complaint with the merchant, the results of our additional review confirm that the transactions are valid and no billing error has occurred. They closed their letter with the following comment : Because we have conducted a thorough additional review of your dispute and can not find a valid billing error, we will not respond to future correspondence from you about it. 

The PDF file also includes on pages 2 & 3 somewhat detailed information provided in our reply to the XX/XX/2020 Chase Bank letter. Page 4, the XX/XX/2020 Chase Bank letter. Page 5 is the XXXX XXXX   order receipt. Page 6 is the order confirmation from XXXX XXXX. Page 7, XXXX XXXX  order update. Page 8, XXXX XXXX article. Page 9, XXXX XXXX update. Page 10, XXXX XXXX Corona virus impact statement. Page 11, XXXX XXXX EMAIL offering us store credit with no option for refund. 

In summary, we paid XXXX XXXX {$410.00} for tickets to a ballgame that was never played or rescheduled, and was eventually cancelled.. Nothing, no tickets, or other services were received from XXXX XXXX. No actual physical tickets, electronic tickets, or any service whatsoever were ever provided to us by XXXX or the original ticket owner/seller. Because the product/services purchased were not received by us or made available for us to use, the transaction simply should not be valid. Chase Bank should issue a chargeback for this purchase and refund our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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  Account # XXXX, XXXX XXXX, XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a 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 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 other XXXX to tell CREDIT BUREAUS that I am a XXXX XXXX XXXX XXXX and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

MS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; 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 non-monetary relief
Consumer complaint received 2016-04-13
Company: NATIONSTAR MORTGAGE LLC
State: ME
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX we filed a Chapter XXXX bankruptcy retaining our home at XXXX XXXX XXXX in XXXX, Maine XXXX. NationStar is not showing proof of payments made via the bankruptcy and stopped taking our payments. They have now started a foreclosure case against us and have not been sending statements since XX/XX/XXXX. Then in XXXX XXXX they sent a demand letter stating we need to pay {$14000.00} to cure our default. They cashed our checks up until XXXX XXXX. Our bankruptcy attorney sent a check for {$5000.00} where they were not accepting his payments and they returned this check back as well. This should have never happened as we have complied with our bankruptcy guidelines. We ask that you assist us in getting this problem rectified as soon as possible. Our home is also being shown for sale on XXXX, XXXX, XXXX, XXXX, etc and they can not sell our home as we have not been foreclosed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: D2 Management LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was initially contacted by this company in early XX/XX/2022. When I answered the phone, they did NOT identify themselves as a debt collector/collection agency ( CA ). They only proceeded to ask for identifying information, which I was not going to give because I've been a victim of fraud before. 

My understanding of the FDCPA, a company does NOT need identifying info to let someone know they are a debt collector. They only need identifying info to discuss the specifics of the account. I only found out they were a CA through a XXXX search and I've seen their unscrupulous practices documented by others through reviews, complaints and XXXX. 

I called them back ( on a recorded call because I live in a one party state ) and stated if they were a CA, that I disputed whatever account they're asking about ( because I owe nothing, but know it's a process ) and to not call me anymore. I stated that if they'd like to communicate further, to do so in writing. This company has proceeded to call back multiple times ( including today ) after my initial dispute, without sending anything to me as required by the FDCPA. The reps are extremely rude and simply hang up when you ask for the simplest info such as an address or fax number which is also another no, no. 

The business states incorrectly states they follow the law. I have them on recorded phone calls violating the FDCPA. A mini Miranda was NOT read when I was initially contacted and it most certainly does NOT require me to identify myself before disclosing you're a debt collector. They state that I can't believe what I read on the internet, so someone should tell the business that the FTC apparently has all of the statutes wrong on their .gov website. 

I believe it's 807. False or misleading representations and specifically : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

Company response to consumer: Closed with explanation