BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied for a Neiman Marcus store card issued by Capital One around XX/XX/23. I did not receive any correspondence regarding the application and didnt even know if it went through. The only way I found out that anything had taken place was when I saw a hard inquiry on my XXXX report. I was told that my application was denied because Capital One could not gain access to my XXXX and XXXX reports. Only discovered this once I called to ask why there was an inquiry. There are no letters or notifications in my Capital One account or Neiman Marcus account pertaining to this application. I was not requested to lift the freeze in any way. I requested that the hard inquiry on my XXXX report be removed as the application was not complete. Capital One stated that they needed access to all 3 bureaus to make a determination. However, the representative would not honor that fair and reasonable request. I have been penalized by other creditors whom I have cards with for having too many inquiries after Capital Ones reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 i sent a certified letter to Experian stating that they were reporting on misleading accounts that needed to be deleted from my report and stated " I want to be provided proof of this alleged item, specifically the contract/terms with my wet signature. If this is not doable, the item must be deleted from the report as soon as possible. '' They did not comply and did not read my letter nor did they send the proof that i requested. Instead they decided to update the accounts and left it as is.

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 2023-02-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I became a victim of wire fraud on XX/XX/XXXX for {$6800.00} dollars and XX/XX/XXXX for XXXX. The wires were made without my authorization and I did not initiate them nor did I share my personal information with the fraudulent Chase employee who had all my information. I reported the fraud to chase as well as the XXXX and fbi as soon as I realized I was dealing with an imposter Chase representative on XX/XX/XXXX. At that time swift wire recalls were requested and initiated via chase secure messaging which I am told is the only way to communicate with Chase regarding wire fraud. On XX/XX/XXXX chase secure messaging informed that I need a hold harness or indemnity letter to get my funds from the respective banks they were fraudulently wired to. Secure message said to contact claims dept option 3, claims informed me they had no idea how to obtain hhl or indemnity letters and directed me to the chase branch. The assistant manager at the chase branch made many phone calls and could not get a straight answer regarding these letters that I was told I need to get my money back. She informed me that she is unable to assist me any further as she herself can not get a straight answer. I have tried every avenue to communicate with chase but have been met with disrespect and frustration from the lack of communication within there own department. I am filing this complaint as a last ditch effort to reclaim the funds that were fraudulently stolen from me in a bank account that I have trusted with my life savings. Chase needs to stand by there moto of a Commitment to Integrity, Fairness and Responsibility. This experience is traumatic both mentally and financially the bank has taken no responsibility showed no fairness and lacks integrity in the way that they treat customers just trying to get some answers during a financial emergency that they do not protect customers from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this balance of {$560.00} on XX/XX/2023 for a medical bill to that Remex bought from the company. Which has not been undated and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been trying to obtain a copy of the XXXX Promissory Note from Navient for several weeks to sign up for the XXXX XXXX XXXX. I have been repeatedly denied this information from Navient. Please help me resolve my issues to sign up for the new program as soon as possible. Navient is doing everything they can to stop this from happening. 

Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MER & PROFCOLB is claiming that I owe them $ ( BALANCE ) but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 explanation
Consumer complaint received 2018-02-15
Company: Meridian Financial Services, Inc.
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Lists six different accounts, so six different collection accounts listed on two major credit bureaus for one account they claim has a balance. They are unable to produce a written document to verify even one debt, let alone six.

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 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi XXXX has a 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 XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a Bum. my XXXX 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 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 ten negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 accounts 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 Transunion more than 10 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 homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2020-10-17
Company: EQUIFAX, INC.
State: MO
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:
Equifax, XXXX, XXXX  are not following the rules of the FCRA by providing me with verification of this debt, nor did Equifax, XXXX  or XXXX  correct the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: ALLY FINANCIAL INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX of XXXX, I purchased a used vehicle and Ally Financial was the chosen financial company. Every since I have started making my payments, I have gone online and schedule my payments, the funds leave my account 3 days later and it is posted on my account page with this company as being completed. Since I am refusing to talk to them to schedule my payments, they have been sending false information to the 3 credit bureaus ' stating that my payments are 30, 60 and 90 days late. When I reported them to XXXX, I was sent a letter telling me that even though it shows on my account on their website as my payments being completed, they are trying to tell me that they didn't receive my payments until 3 months later. That is false. I have tried to trade this vehicle in so that I can get out from under them, they block me by reporting false information about my payments. When I tried to refinance my vehicle through another company, they block me by reporting that I have missed payments, that I am behind in my payments, knowing that these companies will turn my request down. I have tried to straighten this out with the company through XXXX  but again, they are refusing to correct their false information and they continue to harass me by calling my phone twice a day, leaving messages wanting me to call them about my past due payments. They some how got my XXXX  phone number and started calling and leaving messages on his phone. He is XXXX XXXX XXXX. If I was behind like they claim, why do I still have my vehicle? The proof of their lies is on my account under " Transaction History '' but they all need to be fired at this company since none of them can see the truth that is on my account page. I want their lies, harassment and false information to be corrected so that I can get out from under them. This company doesn't need to be in business at all. I have also found other people that was under them stating that they were done the same way. I will continue scheduling my payments online until they block me from that way again. I want out from under this company and if I have to hire an attorney to sue them, I will.

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 2019-06-25
Company: Freedom Mortgage Company
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I am the attorney for XXXX XXXX, who lives at XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX. XXXX provided my law firm authorization to request a mortgage payoff - she is currently in default, but has sold her home. I contacted Freedom Mortgage with a written request for payoff with my authorization. My request was e-mailed on XX/XX/2019, and I received an e-mail response my request was received. 

I contacted Freedom Mortgage on XX/XX/2019, as I had not seen a payoff statement. I was informed her loan was in default and the payoff would take 5-7 days. I explained they received my request 7 days earlier ... I've since been told they did not initiate the payoff until XX/XX/XXXX after receiving my call. 

As part of the payoff process, Freedom Mortgage has to request attorney fees from the foreclosure attorney. I have also e-mailed and telephoned the law firm requesting they provide Freedom Mortgage their fees. I've yet received a reply. 

I am currently on hold with Freedom Mortgage once again. During this conversation, Freedom advised me they will not contact their own foreclosure attorney to obtain their fees. They simply make the request. Freedom offered to give me the law firm 's contact information so I might contact them. They indicated whenever they get the information they will complete a payoff, but are not going to do anything assertive to actually obtain the foreclosure fees to complete a payoff. 

We are almost 3 weeks after the initial inquiry and still no written payoff. Please help.

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 2018-11-18
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX XXXX Account # XXXX {$1300.00} written off XXXX XXXX Account Showing twice ( Inaccurate, Unverified ) Unverified and Inaccurate Reporting of Charge-Off on this account This listed item is inaccurate and incomplete and represents a serious error in your reporting. I deny that this is my debt, and if it is my debt, I deny that it is still a valid debt, and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with XXXX XXXX. Not reporting 100 % accurate information as required by section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act. The Consumer Credit Reporting Reform Act of 1996, Public Law No. 104-208, 110 Stat. 3009, imposed legal duties on entities that furnished information, or were otherwise acting as the sources of information to Experian, including collection agencies. 

XXXX XXXX Account XXXX charged off. {$19000.00} written Unverified and Inaccurate Reporting of Charge-Off on this account This listed item is inaccurate and incomplete and represents a serious error in your reporting.The account balance of {$19000.00} charge off reporting is inaccurate and not reporting 100 % accurate information as required by section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act. The Consumer Credit Reporting Reform Act of 1996, Public Law No. 104-208, 110 Stat. 3009, imposed legal duties on entities that furnished information, or were otherwise acting as the sources of information to Experian, including collection agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Collection XXXX XXXX XXXX Account XXXX Unverified and Inaccurate Reporting of These listings item is inaccurate and incomplete and represents a serious error in your reporting. I deny that this is my debt, and if it is my debt, I deny that it is still a valid debt, and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I had no contractual agreement. Not reporting 100 % accurate information as required by section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act. The Consumer Credit Reporting Reform Act of 1996, Public Law No. 104-208, 110 Stat. 3009, imposed legal duties on entities that furnished information, or were otherwise acting as the sources of information to Experian, including collection agencies. 

These addresses are fraudulently reporting and incorrect and should be deleted ( I attached a notarized affidavit including my drivers license and utility bill with proof of residency ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX. XXXX XXXX NA XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX NA XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXXXXXX 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 2023-10-05
Company: Experian Information Solutions Inc.
State: FL
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:
Someone has been using my information to apply for credit card banks loans cars and ruin my credit I have been trying to report fraud and almost had a XXXX score with one credit bureau now I have over 27 hard inquiries that are not mine and secure loans saying I missed payments and XXXX account says missed payments I never opened the accounts please help me fix this identity fraud issue and customer statements I never wrote or applied to my credit I need off

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 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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, XXXXXXXX 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 : It also 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 2023-10-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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