BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-09
Company: WELLS FARGO & COMPANY
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX XXXX XXXX, but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2019-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I canceled a service that required a {$4200.00} deposit for bathroom remodel. It was canceled within the cancelation period as stated in the contract and the merchant told me via text that I have a copy of that he has a 100 % refund policy. Merchant refuses to issue refund and told capital one that charges are valid and capital one sided with merchant. Attached are all supporting documentation. capital one credit card is not resolving issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX sent in a credit dispute letter in regard to a Bankruptcy - dismissed that is appearing on my credit report. I have tried multiple times to dispute this matter with the credit bureaus but nothing further happens. The Credit Reporting company have listed the data furnisher being " United States Bankruptcy Court of XXXX XXXX XXXX ''.- Which is false. On XX/XX/XXXX I sent in a letter asking for clarification from the court in which i was sent back a letter that I have attached from the Stated Bankruptcy Court verifying and stating that they do not verify or furnish any credit reporting information to the credit bureaus. The credit reporting is falsely reporting this information on my credit report and yet to remove this information.

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 2021-11-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not confident that XXXX Credit Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX is reporting inaccurate information on HSBC BANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: CA
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX # XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance XXXX {$8400.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX submitting yet another CFPB Complaint today requesting the removal of the Fraudulent items from my Credit Report. Again, I was a victim of identity theft and this is my fourth request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This complaint is to notify the Credit Bureaus that if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX, MO XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$350.00} XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry 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 2019-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Merchant made unauthorized charge on my capital one credit card. Merchant saved my card in the square app as a recurring charge for a service that I canceled within the cancelation period. Merchant acknowledged this, and said he would dispute on my behalf and issue refund but did not. I contacted capital one credit card to let them know that this was a fraudulent charge, a charge that I did not authorize. Capital sided with the merchant and billed me regardless of all my supporting documentation from the merchant that I have in writing in the contract and text messages saying that the charge is unauthorized and that I am entitled to a full refund. Capital one is completely disorganized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: FL
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 got a copy of my credit report and found information that did not belong to me.

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 2023-07-18
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC System is trying to collect on a fraudulent debt of {$1000.00} on behalf of XXXX XXXX with a settle offer of {$520.00}. When XXXX XXXX actually owe {$2600.00} for their fraudulent acts.

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 2023-11-13
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Someone used my personal identity and former address that I used 10 years ago and file credit card applications three times in a month ( from this XXXX to XXXX ). I have called the Chase credit card services and closed those applications and also followed the instructions sending required materials via first-class mail to Chase Card Services to obtain copies of those fraudulent applications on XX/XX/XXXX, and XX/XX/XXXX respectively. I also made two calls to inquire why I have not received the documents that I need to report to the police. I was told that I would receive it in three weeks from the first call. I did not receive anything, then I made the second call when I was told that it would take 30 days. I asked them what number I should call to check where my case is at and was told there is no number to reach out to their investigation team. I must wait. It has been 32 days. I have not received anything from the company.

Company response to consumer: In progress
Consumer complaint received 2023-07-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Nissan has a basic manufacturers warranty on their XXXXXXXX XXXX of 3 year/XXXX miles & a 5 year XXXX miles power train warranty. I purchased an extended service contract for an additional {$2500.00}. Today XX/XX/XXXX, I contacted XXXX XXXXXXXX XXXX. The provider and administrator that XXXX XXXX used for the extended warranty. The representative confirmed that I had the platinum plan, which I learned, today, actually started XX/XX/XXXX ( the day I purchased the car ) and is good until XX/XX/XXXX or XXXX miles. Now my vehicle ( a XXXX XXXX XXXX XXXX ( which has XXXX miles ) needs some mechanical work completed. As Im out of the warranty window on both the manufacturer warranty AND the extended warranty I am paying out of pocket. My understanding with extended or the way it was explained to me upon purchase was that when Nissans manufacturers warranty ended, the extended one would kick in providing additional coverage. NOT run parallel to what I already had in place. XXXX XXXX XXXX recommended I contact the dealer and request a refund they could see that I have never used the warranty. I did as suggested. The dealer denied on the basis that I was past the mileage. This wouldnt be the case if it was a true extended warranty. For example ; I have to drive 20 miles one way to work. Thats 40 miles round trip. 5 days a week equals 200 miles which then becomes 800 miles a month. Of course there are other obligations like my kids school which is 390 miles a month or the grocery store, dr. appointments, etc, but you get it. That extra XXXX extended miles for {$2500.00}. Gone. In less than a year AND not even used for car repairs! XXXX deceptively sold a product and unnecessarily overlapped it with their own manufacturers product.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a XX/XX/20 Bank of America Escrow Account Disclosure Statement giving me payment options. I issued a {$480.00} check for the escrow account shortfall which wasn't received on time of their required date. I've called several times including today to inquire where/how that extra money was applied to my account. Bank of  America doesn't answer their Customer Service Line XXXX phone number. I've stayed on hold waiting for a person an entire work day. They suggest going on line to get questions answered. I do not have an online account created. Their website doesn't allow for a new account unless you want to buy or refinance a house. They do not allow for general online questioning using the account number either. They have totally isolated themselves from communicating with the individual unless you are going to purchase their services. I still want my question answered.

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 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 submitted disputes on the following dates XXXX XX/XX/XXXX to XXXX, XXXX XXXX and Transunion in reference to the Public Record reporting inaccurate data on all 3 of my credit reports. No response has been sent to me via usps postal services or via email. they are in violation of my FCRA rights. no proper investigation was done. 

Bankruptcy ( PUBLIC RECORD ) Date Filed/Reported 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 2018-04-23
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX we had a house fire and asked for time to pay due to the fire. We was told to pay and get the house taking care of by our home owner insurance. {$60000.00} was sent to SHELLPOINT MORTGAGE and the repairs where not complete. We told Shellpoint Mortgage the homeowners insurance was having a problem with the completion to finalize the repair. Shellpoint Mortgage told us to get a attorney and all the money to finish repairs are going to be placed on the mortgage account. So after months of trying to get the attorney we started repairs with my XXXX money and again asked for a mortification. 
Shellpoint Mortgage told us in XX/XX/XXXX they would start the mortification for our home. 
XXXX XXXX we was hit by Hurricane Harvey. I contacted Fema, Texas Department of Health, our homeowner insurance XXXX XXXX XXXX XXXX XXXX. Everyone put our home repairs including the Shellpoint Mortgaga on hold and started to the Hurricane procedure. Changing our Mortification contract person and asking us to resend all papers to 5 different people at Shellpoint Mortgage. On XXXX XXXX we we were sent the mortification papers once again after sending over 60 papers before XXXX XXXX. XXXX XXXX a attorney sent us some papers from Shellpoint Mortgaga stating they are hired to foreclosure processing against us. 
I'm XXXX XXXX XXXX a XXXX XXXX Receipt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 cause to believe that the information is inaccurate.

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE NEVER DONE BUSINESS WITH THIS COMPANY! The Account number is not being fully listed on my credit report which makes the account default to be removed for inaccuracy. The original creditor sold this debt to this company which proves even further this is not my debt. I have maintained a healthy credit report since I was XXXX and now my credit is in peril due to this fraudulent account on my credit report. I demand validation/verification of this account that this debt is mine.

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