BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-23
Company: JPMORGAN CHASE & CO.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a split mortgage with XXXX XXXX XXXX and JPMCB HOME. Both accounts were legally paid in full for less than the full balance. The Foreclosure was discontinued. While I was XXXX, my EX wife did not pay the mortgage. With my job in the XXXX I had no way of knowing. In our divorce the Judge ruled in my favor of the responsibility of the payments being made hers while I was in XXXX. When I returned home I worked with the banks to rectify the situation and was able to pay the mortgage off. Please remove this from my report as she was ruled the responsible party ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 following accounts have violated my rights : XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXXXXXX XXXX XXXX Account Number # XXXX XXXX XXXX Account Number # XXXXXXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX 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 an account without my written instructions

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 2021-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XX/XX/2018 my bill did not go through account with missed payment. I am kindly requesting CAPITAL ONE BANK USA to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been going thru a refinance with Freedom Mortgage for over a month and a half now. They have made multiple errors, that have delayed the closing. First error was not contacting me for documentation needed for loan. Second they withdrew a mortgage payment on XX/XX/XXXX that was canceled days ahead of time, so we could close on XX/XX/XXXX. They did not contact me that payment was pulled from our account, nor did they inform us the closing was cancelled. We set a closing date for XX/XX/XXXX. They cancelled that without informing of a situation that they claim to be " miscommunication ''. Then I spoke with a Mrs XXXX. She told me that we are set up for closing on XX/XX/XXXX and that she will call and send me closing docs on XX/XX/XXXX. She has also given me her direct line in which to call at XXXX on XX/XX/XXXX in order to review those docs in the case she didnt contact me. I gave her 2 calls on the XXXX of XXXX to which she never responded. Today is XX/XX/XXXX less 3 business days before closing and I have yet to recieve a phone call or email from anyone at Freedom Mortgage or any affiliates at this company.

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2018-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
XX/XX/XXXX- signed contract for solar panels ( {$50000.00} across 4 credit cards, all $ XXXX and up ) XX/XX/XXXX - called into customer service to see what options ( had not received solar panels yet ) - was told max $ XXXX return - so continued to work with solar company and their date extensions due to " rains '' XX/XX/XXXX - solar company quit responding XX/XX/XXXX - hired lawyer- got nowhere, credit dispute dept basically told lawyer they could not even settle with me until my card goes 90 days delinquent Currently - I am now 90 days delinquent and settlement offers are lame- and principle of the matter of having to settle for something I never got is physically upsetting That solar company closed shop, 1 owner ran and the other opened another solar company in our same area yet I can't do anything to them to get my money back. 0 % looked great as an option for solar panels vs 5 % min bank loan - now its a nightmare XXXX and Capital 1 both clinging to 120 days to report fraud. I wouldn't have known at that point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I called on multiple occasions in order to obtain repayment assistance to no avail I was never provided informTion as to how the fees where being calculated norm was I provided information as to have the payment was being allocated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: ENCORE CAPITAL GROUP INC.
State: NH
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:
On XX/XX/XXXX I had a company named MIDLAND CREDIT MANAGEMENT posted a NEW collection on my credit report. BUT it wasn't new it was a year and a half old. I believe this is agents the law! It's my understanding that once it goes into collections the date can't be changed! I have submitted a claim through my XXXX XXXX app. If you could help that would be great!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( XXXX ) report had been filed copies are attached. Please remove this account from my credit file. 

Thank you.

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 2020-05-24
Company: Ingo Money, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
So Ingo Money initially through XXXX XXXX XXXX XXXX was a great banking alternative for me. I work full time, and am unable to get to a bank due to my hours. However, they closed my account with no explanation and the only banking I did was with my payroll check as well as money orders. So there was no " iffy '' transactions being made. I am sitting here at work on a Saturday still trying to figure out what happened. They made $ money off my deposits etc. tried to cash two checks. Both were properly endorsed and made out to me, both were returned for nondescript reasons. They were tax return checks so I highly doubt there was insufficient funds. The first time it waited about an hour then returned it as declined. The second time it said my transaction was processed but the next day said it was rejected. Again, these are tax refunds so they didnt bounce. 


App doesnt do at all what it claims and the errors it kicks back are useless making it all the more frustrating. I realize they wont tell you about the writers bank because they claim they cant. Even though thats not true because if I took the check to the bank they would say the funds werent there to my face. 


I expect an actual reason why my checks were rejected but no just got a vague heres a list of possible reasons none of which apply to YOUR checks ... .infuriating. 


Lastly, there is no resubmission of a check. Once they reject it they basically tell you to go somewhere else not how to fix it so they will cash it. Again, useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: AMERICAN EXPRESS COMPANY
State: OR
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:
On XX/XX/XXXX I tried to purchase XXXX XXXX from XXXX XXXX in the amount of {$10000.00} or a XXXX coins I was charged {$100000.00} on my American Express Card. When I found out what I was charged I disputed the charge with XXXX XXXX on XX/XX/XXXX for refund due to the over charged amount. After multiple conversation with XXXX XXXX on XX/XX/XXXX I was told I should have received a refund. 

I also contacted American Express who told me that the money would also be refunded as purchasing crypto currency is not an allowed transaction. To date I have not received a refund from either American Express or XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-11
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2020 I log into my online banking with PNC and realized there was an deposit for {$460.00} into one of my checking accounts that was not suppose to be there. Immediately I contacted PNC customer service to explain that the {$460.00} that was posted did not belong to me. The online tell went back in fourth me explaining that there was no fruadulent action on my account and that the {$460.00} may just be a credit to my account. I inturn asked for it to be turned over to the fraud department. I was given a confirmation number. Upon hanging up I contacted the police. I was given a police report. I contuied to use my account. XX/XX/2020 I went to pay a bill and my account was in the neagitive for {$460.00}. I want to a PNC bank branch and was told the {$460.00} was no where to be seen in the account. Meaning it has no evidence of ever being there. I also spoke to the fraud department and was told the same thing. So basically it was there but wasnt there and I called to report it which the teller also seen it. But now my account is in the negative. I requested my account to be on hold. Because of prior issues weeks before that resulted in me closing one of my checking acounts down. Im not sure whats going on but Im very sure that fraud is the issue. Ive been with PNC bank for a few years and have never had these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had attempted to pump gas using my debit card, but my card had been denied. I double checked my account balance to make sure I had funds available and I did have funds, but left confused as to why it was denied. I decided to call Wells Fargo after work and in calling them I saw that within a matter of hours, I no longer had funds. In reviewing the charges, I saw non-sufficient fund fees charged. I called Wells Fargo and asked them why these charges were made. They explained that I had over drafted the account. At this point I noticed charges made at XXXX ( {$150.00} ), XXXX ( {$260.00} ), XXXX ( {$45.00} ) & XXXX ( {$65.00} ) that myself nor my wife had made. These transactions all occurred on XX/XX/2018. At this point I submitted my complaint to Wells Fargo. Previous to this whole situation, I had requested a new debit card because my current card was unreadable, but never received it. This was also explained to Wells Fargo on my initial phone call. In Wells Fargo 's final investigation, they deemed that I or someone else that I had authorized had used my card. I tried to explain that none of these charges were mine. I filed a police report to offer further proof. Wells Fargo sent me a copy of the signatures used to make the purchases and none matched mine. The person who used my debit card fraudulently had even tried to use the stolen debit card at a Wells Fargo ATM. Wells Fargo has rejected my request for them to review their cameras to confirm that this was not 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 monetary relief
Consumer complaint received 2020-01-29
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: Was not notified of investigation status or results

Complaint:
I have several unverified accounts and I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 accounts ) XXXX/XXXXXXXX XXXX/XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 disputed this account and it has not been corrected. The account with XXXX XXXX is still reporting wrong on my credit report. The account is closed. The account has been closed since 2019. However, the account payment status is 60 days late. The account payment status CAN NOT be 60 days late on an account that has been closed for a year and a half. The account status is wrong. The account status should be closed. It clearly states closed in the comments.

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 2019-06-04
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

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 2019-06-11
Company: Circle Internet Financial
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have an account on XXXX and have done XXXX. My account had more than XXXX and on XX/XX/XXXX company automatically deducted 16.16 % of my total XXXX. They said they found some borrower have defaulted and they have a loss of XXXX XXXX. To cover it, they are cutting principal amount by 16.16 % to all non US citizens. We lend virtual currency using their platform. XXXX get flat 15 % of the total interest that we get. So if their is any problem in their system, it is their responsibility to manage. They can not deduct from our principal amount. I have not earned that much from lending in 2 years and they deducted more amount in one go. Plz help me. My registered email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: CITIBANK, N.A.
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:
My name is XXXX XXXX XXXX. There are FIVE hard inquires on my credit report that I did not authorize ; from CBNA. I have been in constant communication with this company for the last few months. I even faxed ( per their request ) a copy of my credit report ; listing the inquires from this company. All they do is transfer me to their Fraud department ; which always results in " Sorry ma'am we can't locate you in our system ; and don't see any applications or accounts matching your demographics. However, those FIVE hard inquires are plain as day on my report. I filed a complaint, and nothing is being done. I have not been seeking any credit ; as my personal documents and social security card was stolen over a year ago. I would like these inquires deleted. As, the company keep saying ; They have no record, application, or business dealing with me. Again, I am screen shooting the inquires. I just want them deleted. I didn't authorize them, don't have an account with them, never even heard of them. As, i have stated. These inquires are fraud. Of course the demographics match mine. The person was trying to open debts and accounts in my name. That is the purpose of me contacting you all to advised you of this. As, I have stated. I was homeless, no computer, no place to live. There is no way I was seeking credit during those time. The inquires are Fraud. And, I would like for you all to move them. Because, I was not applying for anything. Other companies have completed a thorough investigation, and remove those inquires. You are reporting 5 times ; on five different occasions. I would like this to be removed. Please ; How can you all leave negative unauthorized reporting on my credit file. That I did not authorize. PLEASE REMOVE THEM! 

Thank you,

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX, XXXX, Transunion and XXXXXXXX XXXX violated HIPPA Laws and Rules. 
XXXX. XXXX, XXXX, Transunion, XXXX in violation of FCRA Act Unauthorized access to my credit file. 
XXXX. Don't owe a {$1300.00} medical bill. 
XXXX. Unauthorized disclosure of medical information. 
XXXX. I have been harmed by inaccurate crediting reporting. 
XXXX. XXXX XXXX, XXXX, XXXX, Transunion illegally accessed my frozen credit file for profit.

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