BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: NC
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 several attempts to notify you that I am a victim of identity theft and I write to dispute the certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2023-06-19
Company: JPMORGAN CHASE & CO.
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:
My information is being shared without ever receiving notification of my ability to opt out of having my personal information shared

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/2022 at about XXXX XXXX XXXX I made a transfer from my Bank of America checking account through XXXX. This is something I have done before and was shocked to find out that I didn't not send money to my son but to a stranger who has a phone # my son used for 24 hours earlier this year. I immediately contacted the person I accidentally sent money to and called Bank of America. I was informed that they will not take any action and neither will XXXX who processed the transaction. The only suggestion I was given was to " hope the reciever does the right thing ''. I am a single parent who lives pay check to check. I can not afford to give a stranger {$120.00}. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have always been set up on automatic payment for my account but i have a late payment on my report with this one company. It is inaccurate. The company shows that the payment was on auto payment but that it was received late. I have tried disputing it with the company as well as thru the bureaus but it has not been removed. Please assist me in getting this removed any way that you can as it is hurting my credit score and it was not by any fault of my own. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 writing to formally complain about the ongoing issue of unresolved fraudulent items on my credit report. This marks my second attempt to address and rectify this matter, as the fraudulent items persist on my credit report, causing significant financial harm and emotional distress. 

I would like to provide a brief summary of my previous attempts and the current situation : I first discovered the presence of fraudulent items on my credit report. I immediately initiated disputes with your credit reporting agency, providing detailed evidence to support the claims that these items are fraudulent. 

After my initial dispute, I awaited a resolution but received no satisfactory response. Despite the dispute, the fraudulent items continue to negatively impact my credit history, leading to financial difficulties. 

Following my previous attempt, I have made an earnest effort to re-dispute and correct these fraudulent items. I have contacted your agency, submitted additional supporting documentation, and communicated with the creditors involved. However, the issue remains unresolved. 

This ongoing situation has caused me significant financial hardship and emotional distress. I have diligently followed all dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. I urge you to rectify this matter promptly, as it is crucial for my financial well-being and peace of mind. 

I am well aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I am prepared to take further legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance : {$9500.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX MCLART XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$9500.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
For XXXX I purchased 4 {$50.00}. Gift cards from my local XXXX store. 
None of the recipients told me until.XXXX  that the cards were not loaded I've been fighting with them for refunding all 4 cards.

Twice they have sent me 1 single card for {$50.00} ( they also have a XXXX balance. 
Several times I have submitted all documents they need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2022-10-26
Company: EQUIFAX, 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 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 has violated my rights. 
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 instruction.

15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C 1681s-2 ( A ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: JPMORGAN CHASE & CO.
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a call ( XX/XX/2023 ) from a supposed law firm stating legal action was being taken against me for an old debt on my old checking account. Saying they tried to reach me and sent letters to an old address that my grandmother still lives at she hadnt received anything for me. Thinking it was a legit claim I tried to see if I could do anything to prevent legal action. The paralegal said she would talk to the lawyer. It only took her a few seconds to find out that JP Morgan would drop suit if I paid in full the $ XXXX. I called the said bank and they said that they were not taking legal action. I canceled my debit card that I gave them to make a payment Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Financial Credit Service, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Assests Recovery Associates called me and used scare tactics to try to collect on a debt that is at least 20 years old. I do not believe that I owe anything on this old credit card debt. They claimed they had sent a settlement letter and because I had not responded to the letter they were now forced to collect the debt in full immediately. ARA knew my social security number and told me that they had contacted my current credit accounts and knew my status and balance. They tried to convince me to make a payment of {$2000.00} to them using one of my credit cards. They threatened to have their lawyers put holds on my accounts or income if I did not pay by the XX/XX/2019. 

I was had. They got me frazzled and I paid {$100.00} toward the total. ARA said I would have to pay {$1900.00} by the XX/XX/XXXX or pay {$240.00} a month until the total balance was paid. Then I started thinking straight and looked into the company, ARA. I found that CFPB had just settled with ARA for non-compliance with Consumer Protection Act of 2010. ARA is still non-compliant. 

I faxed a letter to ARA telling them I refuse to pay anything more because I do not believe that I owe this debt and they are not able to provide proof of the debt. I asked them not to contact me again. 

Since that request, they have tried to contact me twice by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing has taken escrow for property taxes and neglected to pay them. We have been sent an intent to FIFA on our property

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have a XXXX XXXX loan with a balance of approx. {$7000.00}, with Wells Fargo Bank. On XX/XX/2020, I authorized a one time wire transfer from my personal checking account with XXXX XXXX  to pay off the loan. Wells Fargo said that the amount due of principal and interest to pay off the loan was {$7200.00}. I authorized that amount and requested that my account be closed when paid off. 
On XXXX XXXX XXXX  statement I noticed that on XXXX XXXXXXXX XXXX {$7200.00} was taken out and {$7000.00} was put back in. I was under the impression that the XXXX XXXX loan was paid off, to my confusion and dismay I still owed over {$7000.00}. Wells Fargo did keep {$270.00}, where and what this was for, I still have no idea. 
On XX/XX/2020, I went into the Wells Fargo branch that I have been a customer of XXXX years and requested that the loan be paid off from my Wells Fargo XXXX account. They were helpful, and did just that., calling the XXXX XXXX department to get an accurate payoff amount to take out of my business account. They took {$7000.00} from my Wells Fargo business account. 
On XX/XX/2020, when I received my Mechanics bank statement, to my dismay, confusion, and distress, I was horrified to see that on XX/XX/2020, Wells Fargo took {$7000.00} from my XXXX  account. With absolutely no authorization or communication from Wells Fargo to let me know they are doing this. This account was supposed to be paid off on XXXXXXXX XXXX XXXX, it wasn't, now Wells Fargo has over {$14000.00} of my money with no explanation as to where and what they are doing with it. I'm not in the business of loaning banks money, I want my money back with interest. 
On XX/XX/XXXX, I went back to Wells Fargo and asked what the heck they were doing. The bank staff were as appalled as I was that this happened, they called Wells Fargo XXXX XXXX XXXX. and found out that the put back in my business account {$7000.00} STILL with NO explanation. 
On XX/XX/2020, I called and talked to " Wells Fargo Customer Care '' the person I talked to said he would get back to me in XXXX hrs. Didn't happen!!! ON XXXX XXXX XXXX, I called again, and once again he said he would get back to me in XXXX hrs. Still waiting!!! 
What if I didn't have the funds to cover all the checks that I wrote, because of Wells Fargo mismanagement??

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 2022-01-21
Company: The CMI Group, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2021, I received a credit alert that I had an outstanding collection balance to Credit Management LP, a company whom I had never heard of nor contacted me regarding a debt. When I called the company, the representative could not verify if I was the correct individual for collection and hung up the phone one me. 

I requested via certified mail for the company to validate the debt. It has been over 30 days and this collection company never wrote me back validating the debt, however, they reported to the bureaus that I disputed this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: World Acceptance Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Due to the XXXX XXXX, I have been sick a few times and miss work because of it. I have fallen a month behind on my loan and told the company that I will always be a month behind and I'm still making payments. I don't have the extra to catch up the outstanding balance to bring it current. I told them that and they won't defer my miss payment and will call me to get it brought up current. I'm tired explaining to them that I don't have the extra funds to bring it current and want to recognize cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I began using Capital One Shopping months ago and had earned many rewards which were about to be able to be redeemed for cash ( gift cards ) when suddenly FOR NO REASON my account was suspended. Its a shopping engine, for goodness sake! I particularly love that they give you no explanation for the suspension whatsoever. 

Apparently this has happened to multiple people. Once they are able to redeem for rewards suddenly they suspend your account. What a sham!! 

I emailed today ( XX/XX/23 ) advising them I had done nothing to warrant an account suspension and was basically told they can suspend anyones account at anytime they want to ( email attached ) with NO explanation as to why it was suspended ( legitimate suspensions warrant explanation ). 

They get a 1.5 out of 5 on XXXX XXXX. Wonder why!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-21
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
I am sending to submit a follow-up complaint concerning the account XXXX XXXX This account was previously reported as repaired, but it has once again displayed inaccurate late marks in its payment history. I kindly request the correction of the information associated with this account by the three major Credit Bureaus. The account details are as follows : 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