BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I placed an order for XXXX XXXX  cleaners for {$XXXX} XXXX. The order was only partially fulfilled by the vendor. I contacted the vendor by email, telephone message, XXXX, and XXXX without any response. 

After allowing a week for a response from any channel and receiving none from the vendor I initiated a dispute online a the Chase disputes website. The dispute form does not easily allow for partial disputes so I opened the dispute and the followed up with a telephone call. The amount in dispute is XXXX of the order price as only XXXX of the order was shipped. {$XXXX} On XX/XX/XXXX I received a note from Chase that I had validated the charge and that they would be rebelled. 

I had not validated the charge. I followed up by contacting Chase Disputes at the number on the letter and they insisted that I had on XX/XX/XXXX ( which is absolutely impossible as I was in XXXX during that time ). They insisted I had to re-open the dispute by mail. I have copied their letter, replied that I never validated the entire charge, that the dispute for {$XXXX} is still valid. 

Chase is argumentative and unhelpful. They improperly closed a dispute in violation of the Fair Credit Billing Act. I have met all my obligations by timely filing my dispute and timely follow up to their invalid closure of the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-17
Company: LendUp Loans LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out two single payment loans with LendUp on XX/XX/XXXX and XX/XX/XXXX. The XX/XX/XXXX loan was in the amount of {$200.00} with an interest rate of 401.50 %. I repaid this loan as agreed on XX/XX/XXXX in the amount of {$230.00}. The XX/XX/XXXX loan was in the amount of {$350.00} with an interest rate of 521.32 %. I repaid this loan as agreed on XX/XX/XXXX in the amount of {$390.00}. 

While browsing recent CFPB actions, I noticed that the CFPB had filed a lawsuit against LendUp for violating the terms of a previous settlement amongst other illegal and fraudulent activity. Just as alleged in the CFPB complaint, I gained no benefit from being a repeat borrower with LendUp. Indeed, my second loan was issued at a HIGHER interest rate than my first and this loan was confected after the time period noted in the lawsuit. 

Interestingly, the company website now states that it's no longer in the business of direct lending, but does inform customers : " Although we're no longer lending, were now working with some third-party lenders to oer our customers multi-payment installment loans in higher amounts with longer repayment terms than the loans we previously oered. Enjoy the exibility and convenience of this new customer experience. '' I can only imagine that the third party lenders will continue exploiting consumers by engaging in usury and doing everything they can to evade state & federal regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: EQUIFAX, INC.
State: OK
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 contacted XXXX XXXX five times since XX/XX/XXXX. Ive also contacted the three Credit Agencies and nothing is being done. XXXX XXXX is the debt collector for XXXX XXXX XXXX. I filed bankruptcy and received my discharge XX/XX/XXXX. This company as of XX/XX/XXXX is still reporting this account as OPEN with XXXX balance. I called XXXX XXXX this morning only to get hung up on. This debt collector is hurting my credit score. I would like to file charges on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX, and Experian are reporting incorrect information about accounts that have been opened up fraudulently in my name even though they have sufficient evidence showing that this is true, such as a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Upgrade, Inc.
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently filed a complaint,XXXX, in regards to collection company, XXXX XXXX XXXX I reported that I had not received paperwork from this company, in regards to an account. Which I had not. I checked my USPS INFORMED DELIVERY emails and saw no mail images, from XXXX XXXX or XXXX XXXX delivered to my home. 
However, after receiving the first piece of mail, from XXXX XXXX, on XX/XX/XXXX ; it is stated that they are trying to collect on an account for an online loan company, that I know as, UPGRADE. I was not aware that this company does business by another name. 
So, of course I had no idea which company this was, reporting negatively to the credit bureaus. 

I do have a contract with UPGRADE. However, as initially stated. I did not receive any formal correspondence, in regards to my account being in jeopardy of being sent to collections. Which was the complaint towards companies, XXXX XXXX, XXXX XXXX. 

After doing some digging for possible emails from UPGRADE, since there were no letters sent ; I did find an email. An email that stated that my account had been sold in XX/XX/XXXX, to XXXX XXXX. 
What I did not receive prior to the account being sold, was any letter or email, providing me a balance of debt, at the time, I was given no option to clear the debt, before the account being sold, either. 

I had to do a strenuous search, in order to find the single email, in regards to my account being sold. I believe that I should have received more than a single email, for such a matter. 

I do not believe that UPGRADE did their due diligence, in order for me to pay off the debt, being it was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: MNS & Associates LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Company is calling others regarding a debt. NO notice has been sent. Company is threating to take legal action and stating that I just don't want to pay my bills. Company only verified DOB and did not ask any verification questions or have me verify any information. Company does not appear to be a licensed collection co. When I asked for a fax number to send correspondence the rep told me that she would introduce me to her friend the dial tone. The first guy hung up when I ask him to acknowledge that I was disputing the debt validity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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, account : XXXX XXXX has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.

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 2023-06-02
Company: Titanium Funds
State: UT
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: Didn't receive services that were advertised

Complaint:
I went somewhere to trade in my car and they pulled my credit and found out I dont even have a car loan on my report I got a car from lucky auto credit becaue they said it would help with my credit found out they havent been reporting to any bureau for a year even properly longer for other people

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
From XXXX to XXXX I held a mortgage with Wells Fargo for a property in XXXX XXXX, New Jersey at an interest rate of 6.75 % I tried to refinance multiple times to a lower rate. Mortgage rates were substantially lower and I never missed a payment despite several adverse circumstances during this time period. Wells Fargo led me to believe that my application was in underwriting. 

However after waiting & waiting for a modification they ALWAYS came back requesting more information. I went through the process at least 5 times. I have everything documented. 

They claimed that the modification application expired 90 days after the original date of application and I would need to start over from the beginning each time. New bank statements, new tax forms, new everything. 

I wrote a letter to the New Jersey Department of Banking and Insurance Consumer Inquiry and Resource Sponsor, XXXX XXXX to report this ordeal XX/XX/XXXX but did not get any response or assistance. The loan number is XXXX. They also erroneously charged me for insurance ignoring the coverage that I already had. 

Please help. It was complete fraud what happened to me. The difference in interest rates caused me substantial financial damage that could have been avoided with a little help from Wells Fargo by reducing my interest rate to a fair, market rates which were no more than 3 % at that time.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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 2023-10-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting 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 XXXX : XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had my identity stolen from XXXX XXXX also from another institution about 5 years ago. Transunion reported XXXX  phone said i owe {$210.00} for phone service. I have been with XXXXXXXX XXXX phone service for XXXX years. I found out about this through credit monitoring service i was supplied by the XXXX for free because my identity was stolen i didn't open this account, I don't know the phone number or account number. I have great credit almost XXXX. This reported dragged my credit down about XXXX points. Please help me get my credit restored. Trans union will not help. I filled 3 disputes. Also the collection company will not return my call.

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 2023-09-11
Company: Experian Information Solutions Inc.
State: GA
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2023-06-02
Company: PLANET HOME LENDING, LLC
State: MT
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:
In XXXX of XXXX during XXXX I filed an application with Planet Home Lending LLC to put my loan in forbearance due to loss wages and time off work due to XXXX. I submitted the application to Planet Home Lending XXXX, they stated my loan payments that I would miss would be added to the back of my loan when the forbearance was over. In XX/XX/XXXX I sold my home. The loan was paid off in FULL. 
In XX/XX/XXXX I applied for another FHA loan and was denied as my credit report showed Planet Home Lending reporting my mortgage 120 days late. I contacted PHL immediately and stated I was in a forbearance program with XXXX XXXX when I owned the home, the representative stated they didn't process my application until XX/XX/XXXX there for I was considered late. I argued my point that I submitted the application in XXXX but got nowhere with PHL. I gave up on getting a mortgage in XX/XX/XXXX as PHL would not remove the XXXX late on my report. I was advised by a lender to wait and apply after the XXXX late was over 12 months old to avoid the stress of fighting with PHL. 
XX/XX/XXXX i applied with rocket mortgage for a FHA loan to purchase a new home. I was told that Planet Home Lending last reported me being late on my credit report on XX/XX/XXXX. I sold my home XX/XX/XXXX!!! I called Planet Home Lending XX/XX/XXXX and they cant even find my old mortgage in their system to even discuss the issue with me. I was advised to send by mail a complaint to them. I was told there is no phone number to talk to anyone about this issue that it had to be done by mail. 
I am now in jeopardy again of not qualifying for a mortgage because of this lender. This is a HUGE mistake on my credit report that is affecting my credit score and my eligibility for another FHA mortgage. I need your help in getting this resolved. Even if they wont remove the 120 day late, ( still not my fault as I was told I was in forbearance ) they should at least be required at a minimum to report it correctly on my report. It SHOULD NOT say XX/XX/XXXX as I sold my home in XX/XX/XXXX and the escrow company paid my mortgage off in XX/XX/XXXX. 
PLEASE HELP! 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
My ex-husband and I divorced on XX/XX/XXXX and he was left responsible for the Cabella 's Capital One Card in his name. The Cabella 's Capital One card that was in my name was closed XX/XX/XXXX due to never being used. I received a bill from Cabella 's Capital One that still had my name attached to it in XX/XX/2020. I contacted Capital One on XX/XX/2020, XX/XX/2020, and XX/XX/2020 to request my name be removed from the Cabella 's Card in my ex-husbands name. I requested proof of statement that I had authorized to be an authorized user on his card and Capital One has not provided any proof. Capital One is refusing to take my name off the card until the card is closed. My ex-husband has over {$17000.00} in charges on the account and unable pay it off. As a result Capital One has reported my name attached to Cabella 's Card as a joint account member to the Credit Bureaus and now my credit rating is poor. I have always paid my bills on time and had excellent credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am a Banana Republic credit card holder. I am disputing the total amount of {$190.00}. I made a hotel reservation for XXXX XXXX XXXX in XXXX, WI, through XXXX on XX/XX/XXXX, for two nights for {$190.00} using my Banana Republic credit card. When I arrived at the hotel, I was informed of an issue with XXXX credit card ; therefore, the hotel could not check me in. I called XXXX to tell them of the issues. I was instructed by XXXX customer representative on the phone to cancel the booking for a full refund from XXXX and to book directly through the hotel since she did not have the authorization to clear their credit card issue that evening. I was told it would take 24 hours before the issue could be cleared. As a result, I canceled the booking with XXXX and booked one night directly with the hotel ( XXXX XXXX XXXX charged me on XXXX XXXX for {$120.00} ). However, after the event, XXXX only refunded me half of the price I paid for the booking ( {$99.00} ). When I called them requesting a full refund, I was informed that they could not refund me the total amount because the hotel did not cancel my reservation. I submitted the hotel 's documentation showing that my reservation was canceled, yet they still would not refund me my total amount. As a result, I disputed the charges with my credit card. When I called my credit card on XX/XX/XXXX, to dispute the charges, I was informed that I should only dispute {$95.00} since I was already refunded the {$99.00}, for a total of {$190.00}. After going through the credit card dispute process, they failed to refund me the disputed amount ( {$95.00} ). When I called again, they informed me to write an appeal letter to reopen the case. I sent the letter on XXXX XXXX, XXXX, and have not received a response.

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 monetary relief
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have accounts and inquiries that don't belong to me, and they need to be removed because they are causing me to get denied by multiple credit companies.

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 2023-06-11
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:
In accordance with the Fair Credit Reporting Act, the listed accounts has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681. 

I requested that XXXX, TransUnion as well as XXXX to re-investigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated that everything was complete and accurate. How is that possible if open dates, dates of last activity are incorrect. They also neglected to provide copies of originally signed contracts. According to 15 USC 168i ( 5 ), they are required to modify accounts that are not reported correctly. 

15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy.

15 U.S.C. 1681 Section 602 ( a ) ( 2 ) states that a Consumer Reporting Agency can not furnish an account without written instructions. 

15 U.S.C. 1681 ( c ) ( a ) ( 5 ) states that no Consumer Reporting Agency may make any consumer report containing any of the following items of the information, any other adverse items of information, other than records of convictions or crimes which antedates the report more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any Consumer Reporting Agency in the person knows or has reasonable cause to believe that the information is inaccurate. 

Lastly, they are not in compliance with Metro 2 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