BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion, this is my last warning about the XXXX account on my credit report. I have recently submitted a dispute concerning that account because they have reported a miss payment for XX/XX/XXXX with a past due amount of {$230.00}. It was the only miss payment on my payment history for the past 5 years that I have had that car loan. I have uploaded the payment receipt as proof of payment thinking that it will be resolved but it became worse than what it was. They added 3 more miss payments to my account. I dont know who does that, who is in charge of updating customers report from XXXX XXXX This person probably had a bad day and put his/her frustration on other people but they are messing with the wrong person. Until 2 weeks ago this account was current for the past 5 years with zero ( 0 ) miss payment and suddenly it was late in XXXX!?? They even said that it was late in XX/XX/XXXX while I have paid and have my receipt. Transunion DO NOT PLAY THEIR GAME! They are probably upset because I wrote a review on XXXX XXXX XXXX about them. I repeat DO NOT PLAY THEIR GAME! I hope this letter goes to a human being and not to a computer. At this point I dont even wan na talk to XXXX anymore since I filed a lawsuit in federal court against them yesterday. They wan na play? okay we will see if they will love it. I have proof of everything I say. I repeat, Transunion update my credit report as it was before that mess otherwise I will also file a lawsuit against you for voluntarily keeping inaccurate information on my credit report. I have already uploaded the proof on my previous dispute. Consider this letter as my last and final warning. As you can see, I am not scared of taking that XXXX to court. My lawyer is confident about the case and I am too, I have proof of everything I say. Again update my credit history how it was before XX/XX/XXXX and correct the XXXX miss payment otherwise I will also file a lawsuit against you. I am not scared of anything or anybody on this earth and the universe except GOD and he is by my side!

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 2019-10-25
Company: JPMORGAN CHASE & CO.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have an auto loan on my XXXX XXXX through Chase. 

My payments are about {$470.00} a month. I typically pay {$480.00} a month which is more than the amount due. Because I pay more, the payment amount should decrease each month. Chase has normally calculated the payment this way, but in XXXX, they failed to take into account the extra money I had paid on the account for the last year. So, on my statement, they show the normal {$470.00} payment due rather than the adjusted amount which should be about {$420.00}. So, I attempted to pay the {$420.00}, Chase would show I underpaid when it was not. 

I am supplying copies of my monthly statements with the complaint reflecting the payments, the previously adjusted monthly payments, and XXXX 's incorrect adjusted payment. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed multiple Times of a debt that doesnt belong to me w equifax regarding a XXXX XXXX XXXX  credit card it had A suppose of {$300.00} limit opened in XXXX of 2012 I have disputed w XXXX XXXX as well as equifax I have asked for verification neither XXXX  XXXX or equifax has been unable to verify I have disputed this debt with XXXX & XXXX both were unable to verify So they deleted from my credit report equifax & XXXX XXXX keep responding account accurate With no verification that I asked for showing documents etc

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
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: Investigation took more than 30 days

Complaint:
cra violation XXXX XXXX as id theft letter XXXX report and court records

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 2019-10-25
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 a letter from Aldous & Associates was mailed to me in an attempt to collect a {$60.00} debt due to XXXX XXXX. I've previously cancelled my fitness membership with XXXX  about a year prior to this letter, and have had several e-mails sent to them about this issue. I have cancelled my membership and yet was being charged month after month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
CAPITAL ONE ACCOUNT OPENED FRAUDULENT WITH A BALANCE OF {$720.00}. 
DATE opened : XX/XX/2018 please delete this account from my XXXX CREDIT REPORT under 15 U.S.C. SEC.1681i ( a ), you must investigate or delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The following companies have been on my credit report over 4 years. By the Pennsylvania State laws on this it is illegal to try to start the statues over, such as XXXX is trying to do now, see attached. And it is illegal to pursue collection actions when it is over 4 years for credit cards, medical or any collection, see attached. I have written to each of these companies in the last 30-60 days asking to show me a contract between myself and them and Ive recieved nothing from any of them. Please remove these items from my credit report, on all three XXXX, XXXX, XXXX as they are the ones whom are allowing these bogus companies to just do anything, report anything they want. None of the three reporting agencies has proved any contracts to me as I have written to all three to prove these debts. All they keep saying is its verified, but wont say how??? Its updated, all empty spaces and nothing is proven to me not a contract, nothing!!! Why is this allowed?? By law if its wrong it must be removed. If its out of date must be removed. So please remove immediately!!! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a lot of hail damage from a storm in XXXX and called both my first lien holder, then my second lien holder to let them know. I spoke to a rep at my first lien company. They gave me tracking numbers to use and said that they 're located in the same building as my second lien holder, so to put a cover sheet with my checks that states that once they endorse the checks, to please forward to my second lien holder to endorse as well. I asked if I should sign the checks and was told no, that it 's dangerous to put a check in the mail that 's already endorsed. With this package, I also mailed in a {$30.00} check so the checks could be rushed back to me. This was on XXXX/XXXX/16. On XXXX, I receive the checks back with a letter stating that the checks have to be endorsed before the mortgage company can endorse, and this was the exact opposite of what I was told on the phone. I really need these funds, as I 've already spent over {$30000.00} out of pocket, so I signed the checks and sent them back. I also called in stating I was including another insurance check that I recently received. I sent out the 2nd package on XXXX and also uploaded the contractor 's waiver of lien and XXXX to my claims for both mortgage companies. On XXXX, I receive a letter from my first lien holder stating that the " final disbursement check '' is enclosed. There was a check in the amount of {$3600.00} in the envelope, and not a word about my other checks. On XXXX, I received a letter from my second lien holder, asking for the XXXX and contractor 's waiver of lien again, when I had already confirmed weeks ago that they were already received by both mortgage companies. This letter is also requesting that I pay {$30.00} again to have my funds rushed back to me. I called my second lien holder about this letter and they had no idea how to help me and kept putting me on hold to " gather more information. '' Then the rep told me to call my first lien holder & ask for their monitoring procedures and to fax it to them once I receive it. The hail damage occurred on XXXX/XXXX/16 and today is XXXX/XXXX/16. I have paid over {$30000.00} out of pocket and I 've only received {$3600.00} labeled as a " final disbursement '' out of a total of {$23000.00} in checks that I sent to both mortgage companies. I have n't gotten a call or received a letter to explain the process to me. I spoke to someone again this morning, and the rep spoke to me like he had no idea what was going on with my loan, cleared up absolutely nothing and left me clueless once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Kohn Law Firm S.C.
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
i co signed a car loan for my son which ended up i. collections with kohn law firm they lied to us from the beginning so they could get their information they wanted my son to pay almost {$800.00} a month on the bill they wouldnt work with him. he called i think it was the end of XXXX to talk to them again about lowering the payment and he recorded the whole phone call they where rude to him then they went on to tell him he had to other accounts their that he was paying on and went on the tell him what they where and how much and they where my accounts and i wasnt on the call at all. its all on tape. then i called them back around the week of XX/XX/XXXX to make a complaint on what they did and they violate my rights they told me they would call back in couple days didnt hear anything so i call XX/XX/XXXX told me their lawyer wasnt in that they they would call me the next day i got a call XX/XX/XXXX from someone that worked there and was told that their lawyer was watching the account closely now and knows everything that went on and then asked me if i wanted to set up payment plan i told her they didnt even say sorry just that they are watching it closely nowi was connecting someone cause my rights are violated and they broke the law. the totally amount owed is {$9400.00} and we have the recording if you want

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$440.00}, {$5800.00}, {$8200.00}, {$11000.00}, {$9600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 
-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: ALLY FINANCIAL INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My 2 checking accounts were closed on XX/XX/XXXX  unexpectedly. The letter I received from the bank simply stated they had the right to do so per their agreement. Not that I committed crimes, fraud or any illegal activity. That same day the account was re opened, without my communication or permission. They had already withdrawn my money and disbursed it that day per the transaction history. 

XX/XX/XXXX the checking account was still open and a transaction was processed. 

Ally was also in the midst of purchasing XXXX XXXX which I had an account with. When I went online just now XX/XX/XXXX  to merge the account, I noticed Ally gave me my same credentials I was using when I banked with them. I was not given new credentials for connecting my credit account they purchased. When I logged in using my old credentials, I noticed they still had my checking accounts tied to the log in and showed a negative balance in the checking account that was supposed to be closed XX/XX/2023. 

I am on the phone with them now, and despite them closing my bank account on XX/XX/XXXX with the email proof attached, they are refusing to return the charges and shut the account down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
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: Old information reappears or never goes away

Complaint:
i have on my credit report old public record Bankruptcy : Discharged XXXX Filing Date XX/XX/2011 XX/XX/2011 Amount {$0.00} Reference Number 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 2018-10-18
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking and savings account with CITI in XXXX and was supposed to have received a {$400.00} promotion bonus for leaving the funds there. I called the bank previously and they told me it would be deposited by XX/XX/XXXX. It wasn't. I sent a secure message and they have not responded in over 5 days. I called them again and they hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, 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:
This is XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2021-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had an account with Capital One I went into to set up auto-pay so I wouldn't have to work about my monthly bills. I set up the auto-payment with my XXXX XXXX serve card which is a prepaid card. I was allowed to set up the auto payment with the prepaid card without an issue the auto payment was set. So I thought they money was coming out monthly like I set it up then when I received letters stating my account was past due. I did a payment online with the same card this time as a one time payment it processed. Then when I checked my account I still had a late payment I became frustrated and confused not knowing why my payments didn't work. I knew places that didn't accept prepaid cards say it as soon as you enter the information letting you know this card isn't allowed. I called in Capital One to process the payment which I assumed it got processed. Kept with the back and forward for a while then my account was closed off. 
Capital One is to blame why my account went past due if I was aware that my card wasn't allowed to make payments I would of made payments another way. But instead I put money on that card and set up auto pay thinking that my money was being taken to bill the bill. 
Capital One never gave me an error message even when I called the agents took the card to make a payments. Only when past due and I spoke with a supervisor I was told that it was a glitch in the system and they dont accept that type of prepaid card. Then with all the fees I couldn't afford to pay the balance plus fees so I gave up. Then when the account closed I paid them after some time and I was told that it would be removed of my report if I paid a certain amount and it was never removed. 
I need help removing this negative information of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage company continues to charge my account for not having insurance. However, I faxed proof of insurance to the company and the insurance company notified the mortgage company that an active policy. After several conversations, the company continues to charge my account for not having insurance. Further, the company continues to conduct an analysis to bring the account current. However, they have failed to do so. XXXX, Supervisor, stated that they will complete analysis. The analysis was promised by XXXX to be completed in XXXX. On the contrary, it was not completed as of XXXX 2016. An analysis is not appropriate. The payments should go back to the original amount. They are reporting me delinquent to the credit bureau. After several calls and months, they are still refusing to adjust my account and are demanding that I pay for their insurance. They sent back my XXXX payment and put a lock on my home. 
My escrow account was depleted and the funds, as I requested were not placed, due to the error that the mortgage company made. Despite several requests to make the needed corrections, they refused. My husband is a XXXX veteran who is XXXX and I 'm a retired school teacher who is on a fixed income. I can not afford to pay more money than required. They are trying to intentionally foreclose on my home.

Company response to consumer: Closed with explanation