BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-03
Company: JPMORGAN CHASE & CO.
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:
I was not late with XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXXXX/XX/2020. 2. I was not late with XXXX XXXX  XXXX, XX/XX/2020. 
3. I was not late with Chase Bank XXXX, XX/XX/2020. 
4. I was not late with XXXX XXXX XXXX XXXX, XX/XX/2020. 
I send all three credit bureaus dispute via certified mail. All three came back as verified. I send copy ' s of my bank 's statement from XXXX to XX/XX/2020 showing bill 's paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon reviewing my credit profile I found several un authorized inquiries. This one was done on XX/XX/2018. i have no recollection of this inquiry, and sent certified letters to both companies to have them removed over sixty days ago, bot it still remains.

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 2018-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had contacted CapitalOne in regards to my credit card being closed without my knowledge, i have a credit limit of {$900.00} {$500.00} of which was used as security. 
I have called numerous times and they say only we will investigate, as of now my credit report shows they closed the account and my credit score has been affected. I do have another credit card that doesn't have a security deposit that has not been closed. 
They know this is some kind of glitch in there system but they have not reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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 2023-02-27
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a dispute with chime on XXXX. XXXX is regards to unauthorized charges totaling XXXX. I notice the authorized charges when I got my phone back because it was stolen. Chime email me back today stating no error occurred very vague email with no detail informed i was original told that I would be giving a Provisional credit by XX/XX/XXXX. Now my claim is denied for charges I didnt make while my phone is stolen rent is due this week now i dont know what to do at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: First Direct Mediation
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has been calling my number repeatedly several times a day.. He also is calling family members and my place of employment. He calls from a number XXXX with a name showing XXXX XXXX on caller ID. He leaves a number XXXX, ext XXXX to call back.. The company is showing First Direct Mediation if you XX/XX/XXXXnumber. 

His message states ... .. " This is XXXX XXXX XXXX I am calling for XXXX XXXX. This is my final attempt to contact you regarding your paperwork that will leave my office at the close of business today. Due to your negligence and responding, you will be reported as non compliant. To stop these proceedings, either yourself or your legal representative will need to contact this office today at XXXX and my extension is XXXX ''. 

Another message left on my phone and my sisters voice mail. 
" This is XXXX XXXX. I am calling for XXXX XXXX. My office has been retained to retrieve a statement under a pre-litigation complaint that has been filed by my client file number XXXX. Prior to any further proceedings on the state law, you are permitted only 48 hours to respond with a formal statement. Either yourself or your legal representative will need to contact this office today at XXXX and my extension is XXXX ''. 

These people in my opinion are trying to use these scare tactics and it will not work on me.. I won't answer their calls and have blocked them until they call from another spoofed number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have contacted Capital One multiple times in regard to me opting out of having my non personal information shared with nonaffiliate third parties. Pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Under the Gramm Leach Bliley Act Capital One were to disclose to me, clearly and conspicuously in writing or by electronic form my rights Pursuant 15 U.S. Code 6802. Capital One did not disclose to me these rights, nor did Capital One provide me the forms or an explanation on how a consumer could exercise such rights. In correspondence to my first letter to Capital One attempted to stall by stating items in the correspondence letter that I did not request & attempted to mislead by providing a false statement stating that I needed to contact the credit reporting agencies directly regarding my dispute, when in fact Capital one is the person furnishing my non personal information. As a consumer, I have the right to privacy, Capital One has denied me my rights to privacy by not complying, Capital One has failed to provide the forms of my rights that are required by law, Capital One has withheld pertinent information from me. After being notified of these things Capital One has still failed to correct its actions & is willfully not complying with the law. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXX 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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: RentDebt Automated Collections, LLC
State: MO
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practice Act ( FDCPA ), specifically Section 15 USC 1692c ( c ). It has come to my attention that your agency has engaged in abusive and deceptive practices in an attempt to collect an alleged debt.

I hereby demand that you immediately cease and desist all activities related to the collection of this alleged debt.Your abusive and deceptive practices are in direct violation of my rights under te FDCPA. I am well aware of the protections provided to as a consumer, and I will not tolerate any further harassment or misconduct.

Furthermore, I excercise my right under 15 USC 1692c ( c ) to request removal of any all information pertaining to this alleged debt from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agencies without express written consent. I hereby withdraw any previous consent you may have had and demanded that cease reporting these debt to any credit reporting agencies immediately.

Please consider this as a formal notice of my intent to take legal action if your agency continues to engage in abusive or deceptive practices. I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA. 

All future communication regarding this alleged debt should be directed to me in writing at the address provided above. Phone calls or any other forms of communication will not be accepted. 

I expect your immediate compliance with this and desist notice. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, 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:
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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance {$37000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
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:
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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance {$37000.00}

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 2021-03-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Tried to get this out of my credit report. No longer have this company any more. They switched me to a nother broker. The company know is XXXX  morgage know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
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:
My information was sold and bought illegally because I was a victim of the Equifax data breach.I want these items deleted from my credit reports effective immediately.I am attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing .Please help me delete these illegal accounts from my Equifax credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: LAND HOME FINANCIAL SERVICES
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Beginning with our mortgage statement for the month of XX/XX/XXXX, we have had to request the copies because we did not receive in the mail. 
We did not receive statement until after we made requests for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the XX/XX/XXXX. 
Emails and phone calls have not resolved the issue and the servicer will not say if other clients are experiencing similar issues. They have not acknowledged a problem. They have not granted access to a portal online where the copies can be obtained.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: CA
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 witht the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXX 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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Convergent Resources, Inc.
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recieved a post-dated letter ( XX/XX/22 ) in the mail about an auto debt that i have no knowledge of. This is the first notice I've recieved from Convergent outsourcing Inc . But there is no section that informs me of my right to dispute or request the furnishment of documents to validate their claim. 

The inability to view my rights to validate is a violation of 15 u.s.c. 1692g The post dated parcel of mail is a violation of 15 u.s.c.1692f

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 2022-04-14
Company: EQUIFAX, INC.
State: CA
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 witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
Kindly review the enclosed documents. I request the bureau to initiate an investigation into the accounts where I have consistently maintained timely payments, yet they are being reported as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: JPMORGAN CHASE & CO.
State: NY
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:
We were married in a wedding venue. There was a lot of confusion because there was a lot of turnover. We did not agree with the final charges and the contract they sent over. We did not sign or agree to the final charges. We made the company aware of this in writing. We contacted the corporate office additionally. They then charged our debit card in the total of XXXX in three separate charges. It seems as if they were trying to see as much money as they could get out. We filled a claim with our bank. They approved one claim then denied another. When we called in they said that the venue was admitting that some of the charges were not authorized because there were major issues and services not rendered. We informed Chase Bank that there was no signed contract or credit card authorization form submitted on our behalf. They used our debit card to charge XXXX without our consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 at XXXX, I was scammed into sending a person {$500.00} for a concert ticket through Zelle XXXX They sent me a screenshot of what I thought was proof of purchase and I stupidly believed them. Once I realized what I had done, I tried to get the money back and of course they blocked me. I went though my bank ( XXXX ) to report the case and they told me it would likely not rule in my favor but they would start a dispute. Here I am XX/XX/XXXX, and sure enough Zelle declined. Since Zelle is attached to all of the banks, I was naive to believe it was safe to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: MI
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:
Identity was used to do many fraudulent activities credit bureaus are no longer investigating my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Identity was used to do many fraudulent activities credit bureaus are no longer investigating my disputes

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 2023-04-22
Company: Experian Information Solutions 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:
This is my eighth 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 alleged fraud or extortion 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

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