BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In late XXXX, I had a numerous personal commitment that unexpectedly took precedence to my personal responsibilities. My grandfather was diagnosed with a rare form of XXXX XXXX, XXXX  XXXX. Being the primary guardian for my grandparents I had new duties and debts that I was responsible for. During this unforeseen transition, I struggled to maintain my financial obligations and ended up with numerous late payments. As a result, the account was eventually charged off. My grandfather did not make it and passed away on XX/XX/XXXX. It took me some time, but I was able to get back on track. In XXXX of XXXX I contacted customer service settled the account. I was advised that if I settle the account I would be able to delete the negative history and the account would be updated to no longer show late or in corrections. A pay to delete deal. I received a better stating the payment was made and that they would update the credit bureaus. However its still showing late and XXXX out of no where this year updated the closed account and my score went down XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chase allowed a debit card transaction in XXXX from a gas station that was never authorized and would not reverse the charges or help me get the money back from the merchant. I disputed the charge and challenged the charge with no resolution from Chase Bank. The bank is telling me I need to contact the merchant in a foreign country to seek restitution of unauthorized charges. The bank would not do anything also because they wanted me to provide documentation to support fraud, when I asked examples of documents they would not give me any. The charge was fraud and I did not authorize {$450.00} to be charged nor was any service or items rendered to me from this merchant. After researching my situation I found many cases of others getting this scam/fraud. I need help in getting these funds back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I reported to federal trade commission and credit bureau on XXXX. Report no XXXX -- -- -- XXXX then put freeze on XXXX XXXX XXXX XXXX and Equifax . Or I thought was Equifax. They have all my information a breach in my confidentiality. XXXX is Equifax no . I made my report to credit score n freeze. Today I received a phone call XXXX at XXXX  XXXX. I didn't answer the phone call. I called back XXXX and Equifax recording saying this is Equifax returning a phone call back then asked for my social security number. I did then a XXXX accent voice came on and ask can I help you. I said you called me??? It startled to me n I hung up. I immediately called XXXX where I put freeze on my credit n the man 's voice was XXXX accent also n ask me all my personal questions n social security number again. Did I file my credit freeze with Equifax or is it a fraud? Now I'm really distraught thinking I finally got rid of these fraudulent breach of confidentiality and I ask him what to do he said DON'T change your phone number that's when I said I'm reporting this to the government. Impersonating Equifax and trying to get money from me for credit score n a freeze please contact me as you can see my concern. I don't need no more trouble. I will change my phone number also again for the 3rd. Time. This person also took money from my checking account which I already reported to the Federal trade commission. Hacked me since2022 and I didn't even know it I'm XXXX XXXX n almost XXXX yrs of age n still work part-time as a XXXX XXXX XXXX XXXX. This person or people are impersonating me n the government n other people. I want to file a civil suit n sue. I will get my family attorney at law corporate to charge this person. It isn't a lot of money but it's all I have n my identity has been breached Sincerely, XXXX XXXX I have a flashdrive w info. On it at your convenience

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: The Bureaus, 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: Account information incorrect

Complaint:
I filed a Dispute with each Credit Bureau on The Bureaus for a {$390.00} Collection on my credit report in XX/XX/XXXX requesting proof of balance and documents since I never physically had a credit card or statement for this account. 

Yesterday, I received a letter from XXXX XXXX XXXX and called them to find out if what the collection was about and if it could be negotiated. I assume The Bureaus does not have this XXXX XXXX any longer but still reports it on my Credit Report. 

XXXX XXXX XXXX told me I had a XXXX Contract and had made a {$90.00} Payment in XXXX which I do not recall so I filed a XXXX XXXX Dispute today wanting proof of the Contract, proof of Payment and " Chain of Title '' or COT from the original creditor. The Contract Statue of Limitations is 5 Years in Florida. 

I would like The Bureaus {$390.00} Collection removed from my Credit Report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2022-02-15
Company: EQUIFAX, INC.
State: MI
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:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/2022 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: PA
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX account # XXXX and XXXX #, On XX/XX/XXXX, XXXX XXXX XXXX XXXXt account # XXXX, XXXX, XXXX and account # XXXX was listed on credit report. On XX/XX/XXXX XXXX XXXX  account was listed on credit report showing an active utilization of credit 93 %. Account is closed with a XXXX balance. Reporting is inaccurate. XXXX XXXX XXXX listed an account with an active utilization of 79 %. Account is closed balance is XXXX. No utilization. Reporting is inaccurate. In accordance with the above act these companies 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. are listed on 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 non-monetary relief
Consumer complaint received 2023-07-04
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} 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 explanation
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My XXXX XXXX XXXX mother had accounts with wells fargo for years. When she past away in 2018, the bank listed accounts she had no information on. Her accounts were suddenly overdrawn. No one ever explained to us why they took the money

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 2023-01-10
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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX : [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2022-02-15
Company: EQUIFAX, INC.
State: AL
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:
There are fraud inquires that are listed on my credit report. My purse was snatched with all of my identification information in it. I have completed a police report & an FTC report and sent to you, but nothing has been updated. I am asking that this information be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These two debts charges on my credit report are not mine and where not made by me because I was incarcerated at the time making it not possible for me to have made these charges. Thank I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: TX
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:
I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Supreme Lending
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On Thursday, XX/XX/XXXX, we were pre-approved by Supreme Lending for financing on the purchase of a home. The lender encouraged us to waive financing contingency to make our offer more appealing. The pre-approval letter provided by the lender represents that we are approved for no contingency. The pre-approval letter also shows that approval required no discount points. [ See " Pre-Approval Letter.pdf '' ] We submitted an offer without financing contingency, per the lender 's advice and guidance, and our offer was accepted on Friday, XX/XX/XXXX. 

On Monday, XX/XX/XXXX, after our offer was accepted, the lender informed us for the first time that we needed to pay a discount point on the property. This requirement was not previously disclosed and would increase our closing costs by {$20000.00}. The lender also informed us that if we did not agree to pay the discount point, they could not proceed with the mortgage. Since we relied on their advice and waived our financing contingency and the offer had been accepted, we effectively had to agree to pay Supreme Lending {$20000.00} or forfeit our substantial earnest money to the seller. Supreme Lending acknowledged that they did not inform us of the discount point requirement in advance. 

After discussing, they agreed to two concessions. First, they agreed to cut the cost of the discount point in half, to roughly {$10000.00}. Second, they agreed to re-finance us at no cost in XXXX in attempt to get us a lower rate, because even with discount points, his rate was 5.875 %, which was materially higher than the market average at the time. [ See " Lender email on discount points.pdf '' ] We closed the loan with Supreme Lending. In XXXX, we contacted Supreme Lending to re-finance the loan to a lower rate at no cost, as we had discussed. The loan originator was evasive, and refused to speak with us. He eventually left Supreme Lending. The loan originator 's team told us that they wouldn't be able to help us. 

We were able to refinance with another lender, XXXXXXXX XXXX at a significantly lower rate with no discount points, and recently closed that refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA
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:
Closure date is XX/XX/2018. Reported for overdrafts, charge off amount is {$650.00} closure unpaid. Im not sure why this account was opened or why it was overdrafted but it wasnt me, I didnt open an account with this bank.

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 2022-10-21
Company: TRANSWORLD SYSTEMS INC
State: IL
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 at XXXX XXXX, I received an email from the XXXX and XXXX XXXX XXXX XXXX requesting that I sign an Early Termination Balance Forgiveness Contract. 

On XX/XX/XXXX at XXXX XXXX, a Cease and Desist Demand was emailed to XXXX and XXXX XXXX XXXX team as they were still requesting payment before the contract was signed. 

On XX/XX/XXXX at XXXX XXXX I received an email from XXXX and XXXX XXXX Manager stating that they were not seeking payment on my account, only asset, and as such my request for Cease and Desist Demand did not apply. 

On XX/XX/XXXX at XXXX XXXX, the apartment keys were delivered to XXXX and XXXX XXXX XXXX. 

On XX/XX/XXXX at XXXX XXXX, XXXX, and XXXXXXXX XXXX XXXX XXXX  Manager confirm that the apartment keys were received via email. 

On XX/XX/XXXX, at XXXX XXXX, I emailed a signed copy of the Early Termination Balance Forgiveness Contract to XXXX and XXXX XXXX and XXXX XXXX. 


On XX/XX/XXXX, at XXXXXXXX XXXX, I received a XXXX XXXX XXXX  - Notification of Service for Case : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, stating that all others for filing have been voluntarily dismissed its claim against Defendant WITHOUT prejudice. 

As of XX/XX/XXXX XXXX XXXX and XXXX XXXX sold my private information to Transworld Systems which has reported inaccurate information to the 3 Major Credit Bureau and a balance of {$7200.00} to my credit report which has negatively impacted my overall score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX  : [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-02-17
Company: EQUIFAX, 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:
An account with XXXX XXXX XXXX XXXX was fraudulently opened with my information in XX/XX/2020 for the amount of {$15000.00}. I discovered this account my checking my credit report through XXXX. Ive made attempts to resolve this issue with the credit bureaus and haven't gotten any result. This account is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2023-11-10
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
U.S. Bank Top loan officer - XXXX XXXX is quoting rate on XXXX XXXX, which is forbidden by all banks. and he quoted rate without APR, which is against regulation, when I asked him for APR, he refused to disclose

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