BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: AMERICAN EXPRESS COMPANY
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on AMEX XXXX Balance Owed : {$2500.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Andrews & Cox, P.C.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ACCOUNT IS PAID IN FULL. XXXX XXXX IS SUBMITTING TO XXXX THAT THE ACCOUNT IS A CHARGE OFF. THE PAYMENTS WERE SENT TO XXXX, XXXX, AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CapitalOne closed my account after 22 months or more of lack of activity, however I received little of any warning of this after discussing with their representative that o would not used the card due to poor rates. This was my first credit card and I have had it for 22 years or there about. I am greatly concerned that this will negatively impact my credit score and history. I have contacted their support and escalated to management and they refuse to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX & XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$17000.00} ; XXXX XXXXXXXX XXXX Inquired on 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 2019-01-02
Company: Home Point Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I purchased a home in the XXXX, Arizona area. I work for a XXXX XXXX and due to the Government shutdown, I was not able to pay my XXXX mortgage payment. I have attempted to work with the current loan company but they have not been helpful. I am still unable to make my payment. However, upon coming across this issue, I am also trying to sell the home I am currently living in. It is listed for sale for the past 2 months because of medical issues I was also having previous to the shutdown. In that time, the relationship with my boyfriend ( non-marriage or in process of marriage ) had ended in XX/XX/XXXX. I am the only one on the  loan but had added my boyfriend to the title in XX/XX/XXXX. My boyfriend gave me a gift of {$40000.00} to purchase the home for us from the sale of his previous home ( see attached gift letter ). Since the end of our relationship, my previous boyfriend has sought legal counsel to get his money back from me despite signing the gift letter. He also reached out to the lender that issued the loan to me and had him sign a letter saying the money was a gift and should be retured to my previous boyfriend ( see letter from the lender attached ). I can't help but feel that my previous boyfriend and lender conspired against me from the beginning. The lender acknowledges he was trying to satisfy " the guidelines '' to get the loan approved. I truly feel this is fraud committed by the lender and a conspiracy to extort money from me. I further feel this was a scheme planned out by my previous boyfriend with assistance from the lender to take money and my home from me. I have an order of protection against my previous boyfriend for XXXX   XXXX ; I am scared of his actions. I don't know what to do and need help while I try to sell my home. Thank you for listening and considering my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
On XXXX XXXX and XXXX XXXX I placed a call to XXXX and TransUnion Consumer Solutions. I informed them that it is inaccurate names, addresses, phone numbers, and employers information being wrongfully reported without my consent nor to my knowledge.

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 2019-09-11
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019, I attended a concert and was picked up by a cab driver. The cab driver said that the price would be reasonable. We traveled for a short distance, and when I asked the cab driver how much it would be, he said XXXX dollars. I told him to charge me XXXX dollars, to include a XXXX dollar tip. I paid by debit, but did not sign anything, enter my pin, or get a receipt. Two days later I saw the cab driver had charged me XXXX dollars. I called CitiBank immediately to dispute the fraudulent charges of XXXX dollars ( XXXX less the agreed-upon XXXX dollars ). They told me to fax the details to them. I did. 

They sent me a follow-up letter asking for more details. I sent my reply by mail. I also called them a number of times asking about the status. They then sent a letter saying that they had not received a response. I sent them the details by letter again, as the fax number they provided gave me a busy message repeatedly. I called CitiBank directly and told them the details of my response over the phone and they noted it. They then sent me a letter saying they had sided with the merchant due to a lack of response on my part and closed the dispute. I appealed it, and they sent another letter ( received on XX/XX/2019 ) saying it had been too long from their original request for information from me. 

It was not possible to get in contact with them in a fashion to resolve this dispute, and they did not take note of the letters I sent to their address they provided. I am very disappointed by this. I have attached the original communication I sent to CitiBank below with all of the relevant details.

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 2023-09-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. 

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 XXXXXXXX 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 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 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: EQUIFAX, INC.
State: FL
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. However 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I wrote my husband a check which he deposited into Chase bank atm machine. The check was cashed and somehow the cancelled check ended up in the hands of a thief who washed it, re-typed it with a new amount and cashed it. The funds were withdrawn from my credit union account. 
The same thing happened again following a Chase deposit. The check was once again stolen, washed and re-issued to 2 separate thieves and cashed by my XXXX XXXX. 
Chase is clearly the weak link. Someone within the Chase institution stole the checks, washed them and re-issued them. My husband had lengthy discussions with the branch manager in XXXX Ct who was empathetic. However, it was clear that the corporate fraud department does NOT care. 
This is a travesty and makes us feel very unsafe! 

Another incident happened in early XX/XX/XXXX- My husband 's business Chase account was " robbed '' by a thief from Texas XXXX The Thief had printed checks with his own name and address but had my husband 's routing number and account number on the bottom. The thief walked into a Texas bank and the teller handed him the money. It seems that for a huge bank their security is quite flawed. 
Yes, we do have fraud alerts on the accounts but it seems to be ineffective.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: V and H Portfolio
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received an alert via my credit monitoring company that VANCE & HUFFMAN LLC, placed an alleged collection debt on my credit report. Per the FDCPA, the company failed to provide a written request of Validation and/or contact me prior to placing the alleged debt on my credit report. The company has been sent a letter dated XX/XX/XXXX via Certified mail in reference to this FDCPA violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX .... Balance {$6500.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXXXXXX Date of request XX/XX/2020 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-12-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
JP Morgan chase has arbitrarily and unlawfully decided to raise my fixed-rate mortgage from 1080.42 to 1387.12 - a 30 % increase. Further, they've shorted my tax payments to the county per the escrow dispersal - the tax coupon we received ( and JP Morgan receives as servicer of the escrow ) indicated a biannual installment of XXXX. The escrow disbursement information available from them shows they only paid XXXX. Further, they're claiming an escrow shortage, despite only servicing the loan three months, and claiming that the escrow payment needs to increase by over $ XXXX/month - an absurd increase as neither tax nor insurance has increased to any significant degree. 

I believe these " accidents '' are intentional retaliation for my original protest of them acquiring my mortgage to begin with in complaint XXXX-XXXX. Such retaliation is a violation of the Equal Credit Opportunity act as indicated in this clause : 'Moreover, the statute makes it unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under the Consumer Credit Protection Act '' ' JP Morgan Chase has refused to answer any questions or calls regarding these arbitrary increases, only providing an escrow assessment statement and automatically increasing the amount of automatic debit, without my express, implied, or written authorization. I believe this also constitutes as a fraudulent banking transaction. This behavior is not unusual for JP Morgan Chase - https : XXXX. 

All attempts to actually discuss these charges, the escrow issues, or anything other submitting a payment to JP Morgan have resulted in the call being disconnected with the representative indicating that I needed to be transferred to another department, which promptly disconnects the call. At this point, this is either negligence, or malicious retaliation for exercising my rights to file complaints about their illegitimate behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: Velocity Portfolio Group
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I noticed I had a collection with CKS Prime back in XX/XX/2023. I paid in full the amount due which was {$640.00} on XX/XX/23. I have asked numerous times to have this removed because it has been reporting a balance due now for the past XXXX months. CKS Prime is saying that the debit paid is to a different creditor. That is false I paid CKS and have acknowledgement from CKS I owe them nothing. CKS kept the payment and never returned the money if I owed someone else, I am due a refund from them. I asked for verification on the collection that is reporting to my credit bureaus. I never received verification or proof I owe CKS. Strangely, the amount I paid is the same amount reported to XXXX, XXXX, and XXXX. I will attach tracking information which shows it was received from CKS Prime. At this point, I need two verifications, one for the {$640.00} and another for the collection still reporting for the same amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was declined by a credit card company due to having very little credit history on my credit report. I pulled my credit report and found that XXXX XXXX  is reporting inaccurate information including : No payment ( I pay the entire amount every month and have since I received the card in XX/XX/2012 ) ; no usage ( I have used the card every month since XX/XX/2012 ), no balance ( I always have a balance which is paid off each month ) ; {$0.00} credit limit ( my credit limit is {$12000.00} ) ; no monthly payments ( as previously referenced, I pay my balance in full each month ) ; no highest balance ( my high balance is around {$10000.00} ) ; and under comments " Account in dispute-reported by subscriber ''. My account is in good standing. 

I called XXXX XXXX and was told they will not do anything about it unless I send a letter in the mail with my name, my address, my account number, my social security number and my birth date!! They will not accept fax or email or phone for this information even though they are reporting incorrect information and they admit that. They said unless I send this letter with the information they will not do anything to correct the 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 2018-12-20
Company: Experian Information Solutions Inc.
State: WI
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:
I sent all three credit bureaus a certified letter, requesting this closed account from XXXX XXXX  from XX/XX/14. To be deleted from my credit report. It has been well over 90 days and I have yet to get any correspondence from them at all. This violates the FCRA law that States the bureaus have a responsibility to respond to the consumer within a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: Experian Information Solutions Inc.
State: FL
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:
fdcpa letter and ftc report attached

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 2023-09-14
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Actually I got debit card fraud and they file a claim and they said it will take 10 business days to complete claim, but after business they denied my claim and they said I will not receive my money. So I want to file complain for why my file denied?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
I sent all three credit bureaus a certified letter, requesting this closed account from capital one from XX/XX/14. To be deleted from my credit report. It has been well over 90 days and I have yet to get any correspondence from them at all. This violates the FCRA law that States the bureaus have a responsibility to respond to the consumer within a timely manner.

Company response to consumer: Closed with explanation