BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: MIDFIRST BANK
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a FHA mortgage with Midland Mortgage. My previous employer went out of business in XX/XX/2021, and I received an unemployment forbearance. After that, I found new employment and applied for and received a COVID Partial Claim. So far so good. 

I have made all payments since the partial claim before due date and without incident. 

However, the credit report reads a 90 day delinquency for XXXX through XX/XX/2021. As the attached guidance shows, the mortgage company should not report a delinquency for those three months, and in addition, the unemployment forbearance payments were all timely made. Therefore all months from XX/XX/2021 to date should show timely. 

This has been an issue before when I had a previous unemployment forebearance and modification. The CFPB was extremely helpful in getting this corrected.

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 2023-09-11
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Made an effort to fix this problem now I have to stop the auto pay since they just randomly take money out of my account when they feel like it. Made my agreed payment on the XXXX then I saw another payment come out on the XXXX and they claimed I was past due. I have constantly complained to them about this I finally had to stop the autopay. Ifile the two paychecks as they wanted to prove my pay cycle their explanation was it takes 3 billing cycles but if I prove to you the money is there only on certain dates why are you taking money randomly out of my account they are to cease access to my account since they can't be trusted i will pay diligently till this account is paid for then I will close the account seemed like a great service but these practices are unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I attempted to transfer my hard earned Capital One travel points to my XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2023 as I am looking to book air tickets for me, my XXXX  years ' old husband and my son around XXXX as I am getting a good deal. The first transfer of XXXX points went through immediately. The second attempt at transferring about XXXX points has been under " pending transfer '' for over 3 days now. The confirmation code that I received on the Capital One app that shows pending transfer is XXXX and it says that the typical transfer happens in 1 business day. However, these points are stuck and Capital One has been nothing but unhelpful in getting this fixed. I called the customer service and was told that they were worried that the transfer was fraudulent. After I verified all my details, they said that they realize that the transfer is legit but they have no way of manually ( a ) completing this transaction, or ( b ) canceling this transaction for the points to show back into my Capital One account. Needless to say, the deal for the ticket that I was attempting to book has ended and it will cost me {$1000.00} more to buy the same ticket. It is disgusting that a company like Capital One is making us XXXX  XXXX  suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was scammed by someone online posting to be a landlord of a place I was trying to rent from, I sent that person money through XXXX. I realized it was a scam right after and was trying to contact Chase Bank but they were closed. I called this morning to report the fraud and they said since it's a XXXX transaction they can't reimburse the fund to me, they can only file a report out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions 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:
The following items were seen on my credit report which I found some erroneous remarks in each item. Experian has failed to properly investigate which leads to hurting my credit scores and my credit credentials. I am requesting to reinvestigate these items and feedback within 30 days with corrections and deletions of unverified and unauthorized items. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$5000.00} XXXX. XXXX XXXX XXXX XXXX : {$430.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX. XXXX XXXX XXXX : {$820.00} XXXX. XXXX XXXX XXXX : {$800.00} XXXX. XXXX XXXX XXXX XXXX : {$1000.00} XXXX. XXXX XXXX XXXX : {$0.00} XXXX. XXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX : {$800.00} XXXX. XXXX XXXX XXXX XXXX : {$19000.00} XXXX. XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25
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 have never dealt with these creditors in the past. I do not know who they are or owe them. I contacted Transunion about this issue so that they could send me copies of the agreement where I agreed to pay this creditor. But they did not send anything. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for..XXXX XXXX XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2023-08-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I own a XXXX business and signed up with chase bank to be able to accept credit cards. The first credit card transaction I accepted roughly a month ago was flagged by chase and put on hold for almost a week and was ultimately deposited into my account. Fast forward to yesterday I accepted my second credit card transaction from my customer and chase flagged it again and said I have to wait a week before its deposited. They claim this is all for customer safety but it is just tying up my liquidity for my business. 

Branch manager called back office executive office and made them aware so I assumed it would be sorted out but the money is still tied up and frozen by chase and I have received no call from them. Not the branches fault at all it is back office corporate side that is absurdly tying up and freezing my money. This is two for two this has happened it is happening 100 % of the time when I accept a credit card payment. I suspect its because I am a XXXX veteran I am being discriminated against. This is very stressful for me and hurting my XXXX XXXXXXXX business-please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Someone took a loan out in my name, they used my checking account and email address. 

Im willing to send the money back to the company minus the money they have taken from my checking account. If it was an error on their part then I will return what was deposited in my checking account - minus what has already been paid to them. There were bi-weekly payments being taken from my checking account. I did not authorize this loan to be taken out in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Never Made Purchase, I have no idea what this I want it removed immediately

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 2019-07-25
Company: Experian Information Solutions Inc.
State: PA
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:
Due to Equifax security breach My personal information an identity has been compromised and used open credit cards accounts and loans to obtain goods in my name I would like the fraudulent accounts in my name removed from my Equifax credit due to Equifax security breach XXXX XXXX XXXX Amount XXXX Date opend XX/XX/2017 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 2023-07-20
Company: Gurstel Law Firm, P.C.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/2023 your law firm received a letter offer to opportunity to cure, I mailed via US certified mail. The additional 20 days I granted you has passed. I have gave your law firm the opportunity to correct your wrong doings after your ongoing false and misleading actions in attempts to collect an alleged debt from me, But still no proper response has been received from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-09-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-24
Company: Experian Information Solutions Inc.
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-05-12
Company: Collection Management Holdings, LLC
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Has been calling and leaving voicemails harassing me since XXXX of last year. I've blocked their multiple numbers, but they're still able to leave voicemail to harass me. No matter how many times I tell them to quit calling they keep calling to leave voicemail! I have absolutely no debt whatsoever. They are harassing me with multiple numbers and I have the call logs to prove it! They are now calling me from XXXX since XX/XX/2022. I have screen recordings of how long the harassment has continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX Dear Sir/Madame : On XX/XX/XXXX, I received a letter from Chase Bank XXXX Deposit Mail Services XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX XXXX phone : XXXX, advising me that they are closing both my checking and savings accounts, because of unexpected activity, quoting : After careful consideration, we decided to close your account because of unexpected activity on these or another Chase Account. I stopped by one of their branches at XXXX XXXXXXXX XXXX XXXX, NY XXXX to discuss the matter. The representative with whom I met thoroughly checked my accounts yet could not find any red flagged activities. The representative stated that the staff in the Chase Banking branches do not handle those types of issues and suggested that I check with the Chase Global Security Investigation. 

I have been a Chase Bank customer for several years, first with my daughter, then later with my son, in XXXX. I have a portion of my salary directly deposited into my checking, and I also have a savings account as well. 

I would like for Chase to explain what is Unexpected activity? Chase Bank also mailed a similar letter to my daughter who is presently the sole owner of an account that we used to share for the same reason. 

For the records, my XXXX  children and I are both professional individuals, and law-abiding citizens. 

I thank you for your time and assistance in this matter and look forward to hearing from you. I will forward copy of the Chase Bank letter I received upon request. 
Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX  XXXX XXXX XXXX Balance {$940.00} XXXX  XXXX XXXX XXXX Balance {$300.00} XXXX  XXXX XXXX XXXX Balance {$830.00} XXXX  FIRST XXXX XXXX Balance XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Balance {$430.00}

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 2023-07-15
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Was denied for low credit score but currently have XXXX credit score

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 2022-10-26
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX, XXXX Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized accounts to my credit file. 
As a result, I disputed this identity fraud with this company on XXXX.18 by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 
Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 
For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 

The following is the fraudulent account with late payments/charge-offs status that I need removed by this company : 1.XXXX XXXX  XXXX , ACC # XXXX, Year XXXX, Make XXXX, Model XXXX XXXX, Serial XXXX I am attaching the dispute letter/documents I sent to this company on the XXXX.18 and my small claims forms, in case they need to reference or review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: GA
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 Account Number : XXXX Account name : XXXX XXXX Account Number : 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.

Company response to consumer: Closed with explanation