BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-11
Company: JPMORGAN CHASE & CO.
State: HI
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 am an ID Theft Victim and reported my consumer statement on XX/XX/2014 to advise the credit bureaus of my status and findings. The accounts below were part of this case however they continue to call me repeatedly and send me mail in an attempt to collect the debt. I advised this company of the situation however they persist in attempting to collect the debt and I am feeling harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I am a retired Military Service Member and XXXX Veteran on a fixed income. 6 months ago, I made the decision to become fully retired, including filing for SSA benefits. I contacted all my creditors to close and work out paying off my debts. All of my banking and credit card creditors have made a commitment with me to help me by controlling my payouts and reducing APR 's to fixed and manageable payments on my debts. This has worked great with all my creditors except CapitalOne Visa and CapitalOne Mastercard. I've been trying to work things out with them now for 6 months with no success. Not only has the APR rates have gone up, but also minimum payments have even doubled within these last 6 months. My last conversation today ( XX/XX/2018 ), again ended with a resounding " Can't help you and that is what you agreed to when you opened these two accounts 5 yrs ago. '' I talked to several layers of supposedly Account Management, with the same talking points and denial comments. Your assistance is needed in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I sent Equifax a dispute letter about a Bankruptcy shown on my credit report, Equifax told me to contact XXXX because the bankruptcy was verified through XXXX and the clerk of courts, well XXXX and the clerk of courts both told me that Equifax has not contacted them about a bankruptcy on my credit report, XXXX do not show a bankruptcy on my file and informed me to contact Equifax, well Equifax sent a letter to me dated XX/XX/22 saying it was verified by XXXX. I have papers ready to bring to court proving Equifax lied, if this bankruptcy not removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents 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 explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I received an email stating that a new account loan was open in my name which I never opened. For {$500.00} for 24 months. What in the world is that?!?!? I want this fixed right now! This is a very big problem and now I don't feel safe or secure. I want this fixed. The correct way. This is ridiculous I am so upset right now. Unreal-

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 2021-06-03
Company: EQUIFAX, 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:
These accounts are not mine, and I have never had them. Its obvious an Identity theft and I am a victim. I am very sad that now I need to deal with it. I hope that situation with my profile will be changed soon as I want to have a baby and now because of this terrible fraud and crime I can not take financing ... Thank you for understanding and please remove these fraud accounts from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/2020, I was contacted by Quicken Loans/Rocket Mortgage to do the financing of a property I am looking into to purchase. I did not contact Rocket Mortgage to do the financing, they contacted me. They had a copy of my credit report prior to the initial contact, how I do not know. We went over the credit profile, the originator XXXX XXXX ran the loan scenario through automated underwriting and told me verbally via telephone that " FHA liked my loan '' and it was approved. I sent to him via online portal every document he requested, and every document needed to complete the financing. On or about XX/XX/2020, I was told I had to allow them to charge {$500.00} on my credit card for an appraisal which I did under the pretense that the file was already approved. On or about XX/XX/2020, I asked when in fact would I expect a conditional approval and I was told I had to then deal with a loan specialist named XXXX XXXX. I began communicating with him and he was more than rude! He then told me my XXXX came back a " refer '' and not an approval as I had been told in previous days. He also stated that he had to get a rapid rescore on my credit report to see if we could even go any further. Well, wait a minute you already have my credit profile with my ficos, etc. why would you need to wait to now see if I qualify? Evidently I qualified if the findings were approved as I was told and you also took {$500.00} of my money. I tried to escalate this to customer relations with XXXX XXXX who was supposedly going to look into this and this is as of Wednesday XX/XX/2020. Well, low and behold I contacted her today via email and she sent me an adverse action letter citing credit issues. If that were so, why did they take my money in the first place? She also stated that once the rescore came back, they could put my file back into the system and start the process all over again. Therefore, you do see there would be no closing in XXXX as they has promised at all. There is a more depth account of the story, however, I can not put all down here. Bottom line is I was baited and switched and now noone is being held accountable, and they are refusing to return my funds. I would like my funds back immediately. I will also be contacting the FTC in regards to this as this is not acceptable practice in the mortgage industry. These originators are supposed to be trained and licensed. This whole story negates the fact that I had a previous loan in process a few months prior, therefore, they were well aware of the situation. They knowingly and willingly took my money without any intention on completing the financing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent letters to the Credit Bureaus to remove the unauthorized inquiries and inaccurate information that are found on my report. But still those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-11
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Filed dispute for ATM error for non-dispense on XX/XX/ for {$320.00}. Was told if investigation took too long I would receive temporary credit on XXXX  Contacted merchant on XX/XX/ and merchant confirmed that ATM error did in fact occur. XX/XX/ XXXX Chime contacts me via email and says their investigation determined no error occurred. I'm writing this to inform that Chime ran a fake investigation into my dispute and denied my legitimate claim on the very last day at the last minute. Chime is causing me financial hardship and refuse to give me my due compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
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:
The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. Being that this debt was recently purchased, there is no prior course of dealing pursuant to the legal authority U.C.C. 1-303. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. My Account Names and Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: GA
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents 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 explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX I filed a dispute with Equifax about my credit file and on XXXX XXXX I received a email stating the items was to be deleted but to my surprise they didnt delete them. Under the Fair Reporting Act legally them items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: CURO Intermediate Holdings
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received an email saying I was approved for a XXXX loan. Speedy cash deposit XXXX into my checking account and XXXX in my saving account. Once it was available they told to send back the XXXX and they give me the the loan. My bank put a hold on my saving account. Now they won't answer my call. Help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: EQUIFAX, 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:
XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXXXXXX Inquiry from XX/XX/2020 inquires are not mine or unauthorize

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: WELLS FARGO & COMPANY
State: GA
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:
The company is Wells Fargo Dealer Services n it was a auto loan on a XXXX XXXX XXXX. On XX/XX/XXXX it was totalled out in an accident n my insurance company paid off the vehicle ( XXXX XXXX XXXX ) I had gap insurance just in case n they would cover any balance if needed. We recently in last year find out that Wells Fargo is saying there is a balance of XXXX n won't describe to use what the balance is but they are reporting to credit bureaus that the balance is XXXX dollars n they refuse to include manager of collection department, to correct balance. Me n my wife, XXXX XXXX XXXX both have disputed this n spoke to wells Fargo on several occasions n they say they will not correct nothing no matter what, they don't care, per quote! My wife discovered that Wells Fargo never followed through with a form they n only they have and send it to the gap insurance so they could pay off the balance on vehicle on XX/XX/XXXX. So my wife contacted the dealer got form n got it sent to gap n they paid off what they owed on XX/XX/XXXX And know they still want more money for late fees, ( which is there fault to begin with ) and won't update credit report. Even with XXXX XXXX treating to sue because of the fair credit reporting act. They still refused to update all credit bureau 's on me n my wife. They our breaking the law n for 2 years plus made me n my wife look like we don't pay our auto loan. I would like this be known n want Wells Fargo to update bureau 's all 3 on me n wife n show XXXX  balance paid in full as off XX/XX/XXXX And stop XXXX honest people over. Thank you. Please help I'm ready to sue the XXXX out of them.

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 2023-04-14
Company: MIDFIRST BANK
State: IL
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:
There is a late reporting fee from XXXX XXXX XXXX XXXX  which is not XXXX XXXX  of a property that I was a cosigner on. The property has since been moved off of my report as I am no longer on the mortgage I would respectfully like that late payment removed from my 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 2020-11-30
Company: Total Card, Inc.
State: CA
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 already reported this? Repeat myself?! # 1st, this sloppy credit card starts with XXXX XXXX, these petty thieves kept charging me for unordered unauthorized overpriced junk made XXXX XXXX!! I had to raise XXXX and get angry with these inept credit card employees, The card was closed so XXXX could NOT scam me!!! Now 45 days later NO competent resolve from total visa, some inept employee today, tried to undermine that fraud and unauthorized charges is not deceit??? XXXX  and unacceptable, these greedy thieves at total visa expect me to pay for fraudulent charges made by XXXX XXXX!!! I made a 1 time purchase, thats it? simple, I did not agree to be scammed, ripped off with a continuous and phony subscription of 12 more generic made overpriced XXXX XXXX? How XXXX  is that?! # FTC says to tell these blundering derelicts at total visa, to file a dispute and/or charge back, these inept employees tell me this my problem? NO it is there responsilibilty to get my money refunded that was scammed from my credit card?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/XXXX, I contacted Experian because I was having problems logging into the account. Prior to this contact, I had never had any problems wit, h my credit profile or any fraudulent activity. 3 days after speaking with an Experian customer service representative, I was altered that someone had opened a XXXX XXXX /XXXX account in my name. I had not used my credit or left my home the entire weekend. I began to trace my activity and remembered the call made to Experian on XX/XX/XXXX. On Saturday XX/XX/XXXX I contacted Experian and tried to place a fraud alter but was told I could not as the Department was closed over the weekend. I then asked to speak with a supervisor to discuss the sensitivity nature of my suspension. I was put on hold by customer service rep. XXXX and he never returned to the line. I hung up and repeated the call and spoke with customer service representative XXXX. She stated she would put a call alter on my file, but I was denied to speak with a supervisor and was told I had to put in a 24 to 48 hour request to speak with a supervisor. She also stated I had to call back between XXXX toXXXX Monday through Friday to place the fraud claim as she stated the Department was closed. 
On Monday XX/XX/XXXX, I contacted Experian as I was transferred over 5 times before speaking with XXXX in the fraud Department ( XXXX XXXX XXXX. I again explained my dilemma and concern regarding my XX/XX/XXXX experience with the Experian customer representative. I was placed on hold for several minutes at a time only for the representative to return to the line with various excuses as to why I couldn't speak with a supervisor. 
I have yet to speak with a member of management to address my concern of how my credit profile was breached.

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 2023-12-11
Company: Experian Information Solutions 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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents 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