BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: NV
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
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: Their investigation did not fix an error on your report

Complaint:
I contacted Transunion explaining that I had sent them the identity theft report that they requested but once again another stall tactic stating that the document was blurry. I am again asking that these fradugelent inquires be removed from m 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 2023-10-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-05-24
Company: DISCOVER BANK
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:
I ordered prescription sunglasses from XXXX XXXX XXXX on XX/XX/XXXX for {$320.00}. After a long delay the safety glasses finally were shipped XX/XX/XXXX. When I received them they were defective and not functional. The model I ordered ( XXXX XXXX XXXX ) comes with a foam facial seal that installs into the frame of the glasses. The ones I received were made with lenses too large for the foam facial seal to install. 

I contacted XXXX XXXXXXXX XXXX  and asked if they could remake the glasses so that the foam facial seal could be installed. They admitted there was a defect in my pair of glasses and sent me a return shipping label. I shipped the glasses back and USPS marked them as delivered on XX/XX/XXXX. After contacting them several times and not getting any expected ship date for the remade glasses, I requested a refund on XXXX. After waiting over a week I initiated a chargeback with Discover on XX/XX/XXXX. Only after this chargeback was initiated did XXXX XXXX XXXX issue a refund, however this refund was only for 50 % of my order total ( {$160.00} ) citing that they had a 50 % restocking fee. After XXXX XXXX XXXX issued the 50 % refund, Discover decided the dispute against me. Discovered state that even though XXXX XXXX XXXX sent me defective sunglasses, they would not go against XXXX XXXX XXXX policy decision to only refund me 50 %. 

I am now left out {$160.00} despite receiving defective sunglasses and returning them to the seller. I feel it is wrong that a company can send out defective products to customers and pocket over a XXXX dollars. I tried working with the seller so that they could correct the problem and send me functional sunglasses but they failed to deliver in a timely manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was affected by the XX/XX/23 ACH error that caused direct deposits not to post. I reached out to the bank on XX/XX/23 and XX/XX/23. Both days I was told that there was nothing that needed to be done on my or my employer 's part and they expected to have the issue resolved by the end of the business day on XX/XX/23. I asked if they were XXXX percent sure there was nothing my employer needed to do, and they responded, " Yes. '' I called this morning ( XX/XX/23 ) and was told my employer would need to resubmit the payment, after being told otherwise the previous two days. I insisted that they credit my account for the amount of the deposit which I was willing to verify with a digital paystub. They refused. 

Throughout this entire process, I haven't receive one email, phone call, or notification in my account portal regarding the issue. I had to reach out proactively, and they gave me incorrect information about what needed to be done to resolve the issue. I still haven't received my payment, and due to the bank holiday on XX/XX/23, I have no reason to expect my deposit will post before Monday, XX/XX/23. 

JPMorganChase has spent more energy evading accountability for the human error at XXXX ( which they partially own ) than working to resolve this disruption to consumers ' lives. If I had been contacted or, at the very least, received accurate information when I contacted them on XX/XX/23 and XX/XX/23, this could have been resolved by now. 

The ACH error is unacceptable, but it is not my primary complaint. JPMorganChase 's response to issue has been completely inept, flat-footed, and dismissive. They have been sure to highlight that *only* 1 % of deposits were affected. Since this was such an inconsequential number of customers, they should've had a process ready to temporarily credit customers during this extended and ongoing failure to meet their obligations. They should also have fund available to compensate consumers, like me, who have had their ability to meet their obligations undermined by this error and the inept response in the days following. 

If nothing else, I hope the CFPB can put in place policies to prevent consumers from experiencing what I have and hold banks and clearing houses accountable in they same way they hold consumers accountable for late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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: Problem with personal statement of dispute

Complaint:
Please reference complaints XXXX & XXXX - XXXX. The main complaint against Capital One has not been fixed. 
1. There are 2 ID Theft debts that they refuse to close with the requested paid in full letter, full removal from all 3 credit bureaus, and full removal from all 3rd collections parties. 
-Capital One - XXXX - TXXXX XXXX XXXXt {$430.00} -Capital One - the acct. ends in XXXX - XXXX XXXX XXXX {$700.00} 2. I have continuous harassment from collections ( hits to my credit and harassing phone calls ) in which the original credit company is XXXX XXXX. Capital One is selling old ID theft debt repeatedly to collections companies. The list is as follows so far, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Capital One just sent a letter stating that they sold XXXX XX/XX/2020, to XXXX XXXX XXXX, XXXX. However, the collections was/is from XXXX XXXX, and XXXX XXXX XXXX, so I have no idea where it is.

3. This is a violation of my Fair Credit Reporting Act ( FCRA ) by sending to these 3rd parties as well as harassment.

4. Capital One is refusing to close or even identify these thefts. I have sent every required requested item to them. Ive sent 2 FTC ID Theft reports, notarized affidavit, several validation letters that have gone unanswered with valid information. Letters were sent by certified mail as well. 
The above main cfpb complaints have been answered sort of : 1. Capital One Reply Letter - XX/XX/2020 -Capital One ending in XXXX XXXX XXXX XXXX   {$700.00} ID Theft debt has not been put on our credit yet, and Im receiving harassing phone calls. 
XX/XX/2020 Letter states - that XXXX - XXXX XXXX XXXX   {$430.00} debt was removed from the credit bureaus, it was sold to XXXX XXXX XXXX, and that we do not owe Capital One a balance anymore but we may owe some other collections agency. There is still no requested paid in full letter. 

2. Capital One Reply Letter - XX/XX/2020 -Again, nothing noted on the Capital One ending in XXXX XXXX XXXX XXXX {$700.00}. Capital One has refused to send a paid in full letter, validation of debt, or removal from 3rd parties. 
XXXX letter states - that XXXX - XXXX XXXX XXXX {$430.00} debt. After 3 days, this letter states that this debt is now valid, and there are no signs of fraud after they had just stated that we no longer owe a balance on this debt. This means that Capital One made no real attempt to remove/investigate the fraudulent account. They will continue to make money selling my fraudulent debts to 3rd parties for years to come. I the cfpb doesnt help, I will never be free from Capital One and their illegal acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: NV
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-04-19
Company: WELLS FARGO & COMPANY
State: TX
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:
My previous employer used my personal Wells Fargo credit card without my authorization ( i did not give them my credit card information ). My employer have made charges to my credit card without my permission and withdrawn money from my credit card without my authorization and Wells Fargo credit card is unwilling to give me credit for the charges that were done by my employer without my authorization. My employer turned out to be fraudulent and have disappear since making those charges to my credit card and does not respond to any of my attempts to communicate with 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 explanation
Consumer complaint received 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion gives out 2 different credit scores, one to the lenders who make inquiries and the other to XXXX XXXX. 
I recently tried to apply for a credit card and they indicated that my credit score was to low. 
But when I checked on XXXX XXXX was score was higher, I am in the process of getting my scores back up and not getting approved for credit building cards is not helping much. 
I also have asked for a removal of the collection accounts by XXXX XXXX  due to in fact they no longer own the loan and is being handled by XXXX XXXX, but to this date they have failed to do so.

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 2018-11-17
Company: Ladera Lending, Inc
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In the beginning of XXXX we inquired about a home equity loan from Ladera Lending. The loan was changed to a refinance and a previous lien on our property was discussed due to a commercial loan for our family company. The loan proceeded without any future conversations about the lien, only noting that it would need to be paid off first. However, after we received the appraisal, the loan was changed, my business debt was added to the loan ( against my request and better judgement ) and the commercial loan with the lien was removed from the refinance list. Still the process continued and we signed closing documents on XX/XX/2018, with a contract that the loan would be funded on XX/XX/2018. However, late XX/XX/2018, we were contacted about the commercial loan with the lien and a denial of knowlege about it. Next, we were asked to contact the company for the commercial loan to ask them to temporarily remove the lien so the refinance would be in the first position but that company 's policy is to file paperwork for subordination. The refinance company said that they couldn't do that, FHA wouldn't allow for it. After several personal and Ladera Lending attempts and conversations with the commercial loan company, over a period of now more than three weeks, the lien is still there and the loan has not been funded. No paperwork for the lien to be removed was ever filed or proper procedure for that to happen was followed. Meanwhile, we were asked to stop automatic payments and not to send in XXXX payments on our mortgage, auto loans, and all credit cards ( including business credit cards ) as they were to be paid with the refinance. We did everything asked of us but now we are being contacted constantly by credit companies, our mortgage is late ( for the first time ever, ) as well as our auto loans. Not to mention the detriment this has caused to my company. A serious payroll delay, 3rd quarter L & I payment, insurance, utilities, and lease payments are among the damages I have been facing during this situation. If the loan will not be funded, we would like to seek restitution for the damage that this situation has caused, including letters to credit bureaus taking responsibility for the late payments. As well as, any legal fees required to resolve this matter. This did not only impact our family personally but also the reputation of a company and business owner.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-06-28
Company: EQUIFAX, INC.
State: OH
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. 


Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Experian Information Solutions Inc.
State: NY
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:
the information that's reporting on my credit report is incorrect and fraudulent and i need it removed from my credit report immediately and permanently. 




XXXX XXXX XXXX XXXXXXXX Account Number Account Type Collection Terms 1 Month Date Opened XX/XX/2018 Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/2018 Balance {$87.00} Balance Updated - Credit Limit - Past Due Amount {$87.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, MN XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$87.00} Comments - Payment History XX/XX/2018XXXX XXXX XXXX XXXX Account Number Account Type Collection Terms Date Opened XX/XX/2018 Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/2018 Balance {$1100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$1100.00} Comments - Payment History DISPUTE XXXX XXXX XXXX Account Number Account Type Collection Terms Date Opened XX/XX/2018 Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/2018 Balance {$87.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, MN XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX Company Sold-to - Original Amount {$87.00} Comments - Payment History

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 2022-04-06
Company: EQUIFAX, INC.
State: TX
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:
Inaccurate reporting has caused stress an anxiety the last 2 years fighting the Credit Bureaus of violations that they choose to ignore. Late, missed payments, each bureau reporting different payment history information has caused damaged to my life along with covid. I've received mail stating these accounts been verified and still today I have yet received my wet ink signature on none of these accounts. I inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. This is Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowningly transferred, possessed, or used, without lawful authority, means identification of me which is a felony. 
It so sad that you send documents in to the Bureau and they don't their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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, 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