BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Case Number XXXX On XX/XX/19 I prepaid deposit XXXX $ using Visa card. On XX/XX/19 merchant contacted me that door was ready and I paid remaining balance online XXXX $ using XXXX card on XX/XX/2019. My husband picked up the door and when my contractor saw the door same day it was very poorly made, and bowed and would be impossible to install.

On XX/XX/19merchant agreed to to take the door back and make replacement door within 2 weeks. On XX/XX/19 my husband returned the defective door to the merchant in person. On XX/XX/2019 I contacted the merchant asking about the replacement door since it was 2 weeks and they promised to have it ready by XX/XX/19. On XX/XX/19 I contacted merchant again and they promised to get the door ready by XX/XX/19 for pick up. On XX/XX/19 merchant informed me that door is not ready and they will deliver it on XX/XX/19to my house. On XX/XX/19 merchant never delivered the door and failed to respond to my messages and phone calls. I tried to contact merchant again on XX/XX/XXXX and never heard back, same day I filed disputed with XXXX card and visa card and ordered the door from different merchant. Merchant had 2.5 month since order was placed in XX/XX/XXXX to deliver door as promised and failed to do so or communicate with me on a timely manner. I dont have the merchandise and Im out of money. My husband is a military veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: JPMORGAN CHASE & CO.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Below is a copy of an email sent to nearly 40 email addresses of executives, various departments, and authorities in the hopes to escalate resolution to the issue I am facing ; that is, a check from my employer being withheld/and or refusal to verify my employers account that is with JP Morgan Chase Bank . 

For the record, I bank with XXXX XXXX ; the check is from JP Morgan Chase Bank. XXXX XXXX has assured me that Chase refused payment/ would not verify my employers account and send funds made to me by their check, the morning after I deposited it. 

Below is a quote of the email I sent, and attached is the check itself, and my state DL as well as Government Employee Badge. 

Hello, my name is XXXX XXXX and I am a new USPS employee. I deposited a check via mobile deposit into my XXXX XXXX account yesterday afternoon that was issued to me from my employer, the United States Postal Service, by your bank. I tried to cash it at XXXX since I do not have a brick and mortar bank relationship status since moving back to KS. They tried to run it twice and said it was denied. So I turned to XXXX XXXX- they credited me {$400.00}, and was to deposit the rest this morning. I woke up to an overdrawn bank account. Their position is that JP Morgan Chase Bank wont release my travel reimbursement check to my account. I need to eat. This is unacceptable, and I will not wait 10 for you to release me my paycheck. What kind of Bank doesnt back the Postal Services checks? Especially one paid to an employee. Im sure this is unlawful, its certainly unruly- and I will be contacting an attorney on this matter. I have spoken to everyone I can today at PO and they just look at me like, What happened? 

UPDATE : Is this really where we are at? Are you really the type of bank that refuses to verify or acknowledge a USPS workers paycheck from the Postal Service, with ZERO explanation? 

This is unacceptable. I have a right to be paid for my labor. Verify my employer 's account and release the funds made to me- To my XXXX XXXX account. Consider this a final notice before my legal counsel files a complaint. 

CC : Consumer Financial Protection Bureau, Federal Trade Commission, XXXX XXXX Kansas Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: NY
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Rectification of FCRA Violations in My Credit Report Dear Equifax, I hope this message finds you well. I'm writing urgently to address discrepancies I've found in my credit report that may potentially violate the Fair Credit Reporting Act ( FCRA ). After thoroughly reviewing my credit profile, several errors have surfaced, raising substantial concerns about FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act is a critical federal statute governing the collection and reporting of consumer credit information, emphasizing meticulous data handling, retention, and transparent dissemination. 

Instances of FCRA violations identified include : Inaccurate financial data provided by creditors to reporting agencies. 
Reporting agencies consolidating individuals ' information based on names or social security number similarities. 
Neglect of prescribed protocols by agencies for managing disputes. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly concerning employment-related matters. 
Receive notification if my information has been used in credit applications or other transactions. 
Dispute and request the correction of incomplete, erroneous, or unverifiable data. 
Have outdated negative information removed following FCRA guidelines. 
I formally request the immediate removal of the listed items below. These items significantly deviate from FCRA standards due to inaccuracies, lack of verification, and persistent invalidation. Their presence has caused substantial distress, as evidenced by my recent denial for extended credit, directly attributed to errors originating from your agency. 

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report. 

2. XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

3. XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 


I trust in your prompt attention to rectify these violations within the stipulated timeframe mandated by the FCRA. Failure to comply will regrettably necessitate legal action to ensure my rights under the FCRA are fully upheld. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX, ( after XXXX ), I had called New Rez regarding making payment arrangements. I spoke with XXXX XXXX, who kindly assisted me in the matter. Mr. XXXX advised that I would qualify for a forbearance. I gave the authorization, and approved for a forbearance. This was effective XXXX, XXXX. Since then I have received an overabundance of collection calls and letters. When speaking to the associates, who are aggressive in their collection methods, I make mention that my account is in forbearance. At this point the associate rescinds their collection script and apologize. This has been occurring every month since XXXX with the associate advising that they will notate the account. Now, on XX/XX/XXXX, I have received eight pieces of mail threatening default and acceleration. I have complied with the forbearance and made payments at the end of the month. I am due for XXXX and XXXX at the time of this writing. I have called New Rez and have been hung up three times and transferring all over the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: TRANSWORLD SYSTEMS INC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have recently started learning about credit, so I made a XXXX XXXX   account. There I saw a list of collection accounts that I have no knowledge of. 

I fear that I may be victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: FIRST UNITED BANK AND TRUST COMPANY
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We sold our house to a buyer that assumed our VA loan. The initial offer on the house was signed XX/XX/XXXX, the home did not close until XX/XX/XXXX. During this prolonged time we were forced to purchase additional homeowner 's insurance as we were not occupying the home and our homeowner 's policy expired XXXX XX/XX/XXXX. Additionally we were paying the mortgage on our new home and utilities for both properties. We were told that assumptions take a bit longer especially with the VA however 90 days seems onerous. Additionally, the mortgage was still listed in our name until XX/XX/XXXX. During that time I received several letters indicating that additional homeowner 's insurance was needed as we had cancelled ours XX/XX/XXXX after the home closed. It appears as though First United purchased homeowner 's insurance on our behalf during that time- even though we no longer owned the home. Once the insurance situation was finally resolved, First United withdrew approx {$2200.00} from our checking account on XX/XX/XXXX ( mortgage payment for XXXX ) for the same property. Again it is noted that the home was sold on XX/XX/XXXX. It was difficulty to rectify this situation as the mortgage with our current home is through the same lender. I have been able to verify that the payment that was withdrawn ( and unauthorized by us ) has been reversed. Today I received a call from First United Bank asking for a woman with the name of the purchaser of our home- it appears they are calling to discuss the fact that the payment for XXXX was reversed ( as it was taken from the incorrect account ). First United has failed multiple times to update the information in their database once the home was closed until I reached out. It is frustrating having to deal with a new issue every few days. I have spent a considerable amount of time calling and emailing various persons at the bank to get ALL the information updated. I am anticipating a problem at tax time as well due to the inability to update mortgage information in a timely manner. I understand that the assumption process is new, however I feel that it should not be offered as an option unless the institution is able to execute the process fully. We have suffered financial loss, loss of time, and loss of peace of mind in dealing with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
Experian and XXXX refuses to removed this XXXX  XXXX from my credit report after I have repeatedly requested it to be. It is not my XXXX  XXXX XXXX. Experian says they use XXXX XXXX  to verify information and I have a document from that company stating they were unable to verify the information and it has since been removed from my record and I want Experian and XXXX  to follow suit

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 2021-08-18
Company: TMX Finance LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I took a title loan on my XXXX XXXX. At the time was unemployed as well as currently and applied for a loan {$900.00}. I paid them {$900.00} but their compounded interest rates were too overwhelming. At the time I told them that the car was theirs to take and the amount owed the was {$420.00} of interest after repayment of principal in full, they kept calling that they were willing to goodwill offer for the payment. But my understanding was that if I somehow could not repay them they would just keep the car after all, they have the title. But to this day I keep getting phone calls day and night as early as XXXX XXXX. XXXX. They have the car our transaction is done. I would like to somehow alleviate these harassing phone calls and real good will intervene and I not be held responsible for their compounded charges ( after all in earnest I have paid them the face value of the loan and not affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my third time disputing these inquiries. I have called to only be left on hold each for hours at a time. Plus I have sent 3 letters out with no response back. First and foremost a am a real human and don't have time for the games. 
Fraudulent accounts where applied for in my name listed below - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting A copy with my signature in agreement with all terms and charges related to the inquires on my credit report. IF YOU CAN NOT PRODUCE THESE DOCUMENTS delete the stated inquries and addresses immediately!! 
ALSO Delete these addresses because they are related to fraudulent Activity. 
- XXXX XXXX XXXX XXXX, NC XXXX - XXXX XXXX XXXX XXXX, NC 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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX 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 2023-12-15
Company: EQUIFAX, INC.
State: IL
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:
Upon receiving my credit report I was brought to attention of 2 Collection account from the same company ( XXXX XXXX XXXX  ), I nor any one in my Household has had service 's from XXXX XXXX ( Original Creditor ). I have requested documented proof to validate the account by mail. XXXX, Equifax and XXXX has ignored my requests and I would like this account to be removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened my Wells Fargo Platinum credit card back in 2017 and I never opted for the over draft protection. I have accrued a lot of interest due to that.

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 2023-01-19
Company: Cooling & Winter LLC
State: GA
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:
I have been making payments to this company for n old debt even through the recent pandemic and the interest said attached to this debt is wrong. They have unfairly attached an interest rate that exceeded original amount with the company whom they purchased the debt from. This debt should have been satisfied if the unfair interest charged had not been assessed accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: LA
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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-02-28
Company: OneMain Finance Corporation
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:
This should be properly investigated since I already made my repayment due to COVID for this account as agreed but this company keeps on charging fees which I never authorized and I was not informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: CT
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.

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: In progress
Consumer complaint received 2023-03-08
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: Account status incorrect

Complaint:
I have recently applied for credit and was denied based on the information provided by Experian and XXXX to the company I was interested in attaining a credit from. It was reported the following : Derogatory public record or collection filed Ratio of balance to limit on bank revolving or other rev accounts too high Length of time accounts have been established Time since delinquency is too recent or unknown Our credit decision was based in whole or in part on information obtained in a report from one or more of the consumer reporting agencies listed below. 
Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX : XXXX XXXX Dispute Request XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  We also obtained your credit score from the consumer reporting agency and used it in making our credit decision.

I DO NOT have a delinquency or a derogatory public record. These credit reporting companies have violated my right to obtain credit and provided inaccurate information on my behalf.

I request this to be corrected, in addition to monetary compensation for lost time and lost financial opportunities. 

Sincerely, 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