BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-19
Company: BBVA 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:
On XX/XX/2019 a charge was made to my credit card by mistake. When realized, the company was contacted and placed the charge on the appropriate persons cc, and tried to credit mine back. On XX/XX/XXXX the merchant tried to refund my account, but it was denied. On XX/XX/XXXX my bank acct was drafted, but I did not have sufficient funds so I received charges and interest penalties. When I became aware, I contacted the bank and the merchant. The merchant tried to credit the card again on XX/XX/XXXX, and again it was denied. They told me to dispute the charge with my cc company, and they would accept the charge back. I did this. After talking with multiple representatives and being told various lies, the charge is still on my card and nobody can give me an answer. I was lied to, being told the charge would be removed during the dispute process. It was not. They charged me for the amount again, and keep giving me different answers. The charge in dispute was for {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 a letter to the XXXX Credit Bureaus last XX/XX/XXXXXXXX XXXX XXXXorrect/fixed these suspicious items. I think you have not validated these items in accordance with FCRA and I will pursue legal action against you. This was already included in my prior complaint and I'm including it again. 
XXXX Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX CARD Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXccount Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX XXXX XXXXccount Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : 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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are fraudulent inquiries on my credit report that I did not authorize.

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 2017-09-28
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX

All Inquires were submitted without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: NJ
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 a letter to the XXXX Credit Bureaus last XX/XX/XXXX2022 to correct/fixed these suspicious items. I think you have not validated these items in accordance with FCRA and I will pursue legal action against you. This was already included in my prior complaint and I'm including it again. 
XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX CARD Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX/XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
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:
Carrington bank and XXXX XXXX  are reporting remarks that state " reaffirmation of debt '' this is in accurate information it was just reported by carrington bank XX/XX/XXXX to all the credit bureaus i have disputed with XXXX  and XXXX  this remark should not be on there in addition, XXXX  is showing the same remark from XXXX  XXXX   which that account was sold to carrington in XXXX of XXXX. I filed bankruptcy in XXXX and it was discharged in  XXXX but this remark appeared when I tried to dispute some late payments through chase in XXXX of XXXX and now chase sends a " file '' to carrington which when i called they couldn't tell me what was in it and marked all of my credit reports with the remark " reaffirmation of debt '' under remarks with carrington and they refuse to take it off. This has dropped my credit score 63 points on the XXXX of XXXX and in XXXX of XXXX when XXXX did it my score dropped 79 points with transunion My mortgage now with carrington is NOT late nor has it ever been late ... I have never signed a reaffirmation of debt with carrington and I am NOT going through a bankruptcy I am trying to fix my credit and it was on a good track and this destroyed it I have no idea why this was added and I want it removed carrington is refusing and this is inaccurate information. 

I have submitted a copy of my discharge paper from XXXX and I must have done some kind of reaffirmation with chase at that time I kept my home but this is well past the statue of  limitations and XXXX should not have added that comment in XXXX of XXXX ... and we did not do this with carrington they just bought our loan in XXXX and I am not currently going through a bankruptcy so why did carrington add this? 

I have also included the original letter i sent to chase in XXXX of XXXX to ask for late payments to be removed and this is when the reaffirmation of debt appeared on my chase remarks this letter has nothing to do with reaffirmation of debt i was asking for late payments to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have tried all day to get in touch with a voice. 1 hour I was on hold and then I had to hang up, then I call back and I'm placed on hold another 45 minutes then I hang up because I have to work. I'm furious with this company for their horrible customer service, their horrible phone system that you can't navigate through. They must do this on purpose so they don't have to deal with their customers. I know for a fact this is not the first complaint on this horrid company. My next stop is an attorney just because I can't get a voice to help me with our flood insurance and mortgage. But I will get one if I have to. The only way to get a voice is if you push 3 for a new accout. They answer that line right away and then transfer you to another line that just had music for an hour. 

It's terrible and if I don't get in touch with someone I promise you I will do everything in my power to make sure this company knows how horrible they are. I'm begging you to help me. I shouldn't have to beg to speak to a representative from LoanCare but if I do then so be it.

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 2023-02-24
Company: Experian Information Solutions Inc.
State: CA
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 an attempt to clean up my credit report I reached out to the 3 credit reporting agencies XXXX, Experian, and XXXX. I expressed to them that the accounts XXXX XXXX account # XXXX and XXXX XXXX XXXX XXXXXXXX account # XXXX are reporting information that isn't 100 % accurate and also are violating my consumer rights with multiple violations. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

I also came across the Ftc website more specifically the Gramm-leach-Bililey act and it states that XXXX different disclosures needs to be given before my information is allowed to be sent to any public record, in which I never gave XXXX XXXXXXXX nor XXXXXXXX XXXX XXXX XXXX  permission to do so. I expressed my concern to the reporting agencies as to look into the matter as it pertains to my name and affects my circumstances.

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 2022-10-18
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: Account status incorrect

Complaint:
XXXX is reporting late Federal Student Loan on all XXXX, Equifax and XXXX. On XX/XX/XXXX and XX/XX/XXXX they reported late amounts of {$11000.00}, {$10000.00}, {$9200.00}, {$5400.00} and {$1800.00}. During the student loan pause, these balances are supposed to be reported as current. This dropped my scores more the. XXXX and Equifax more then XXXX and XXXX by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: MD
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 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 XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law 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 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 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 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 2022-10-17
Company: SYNCHRONY FINANCIAL
State: GA
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 have this on my XXXX report that i requested a inquire but i was in a XXXX  and its not mine i have never applied for credit with this company and need this inquire to be removed ASAP its effecting 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 non-monetary relief
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have a XXXX XXXX XXXX XXXX as paid off and Satisfaction of Judgement order from State WI XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX fully satisfied Each time I try to manage this from the bureaus seems like I can't get it resolved w/o paying more money. i have paid all the big 3 seems getting money is a problem.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX and TransUnion credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: Experian Information Solutions 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:
On XX/XX/XXXX I wrote a complaint about the this company and the misleading data on my credit report due to them. I am now preparing to file a lawsuit due to purposely and intentionally furnishing inaccurate and false data on my credit. They responded on XX/XX/XXXX that I am a victim of fraud yet with no resolve so I will seek 1 % of the gross revenue and {$1000.00} per violation. ACCOUNT NAME XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above STATUS Company responded there may be potential fraud involved 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 explanation
Consumer complaint received 2017-07-14
Company: Oracle Financial Group LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Oracle Financial group left VMs on two private cell phones of 2 personal friends on XXXX XXXX, 2017, stsatimg they were trying to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2019-12-19
Company: Finance of America Mortgage LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX I emailed XXXX XXXX XXXX ( branch manager Finance of America , LLC at that time now he is affiliated with XXXX  XXXX XXXX  : XXXX IN. ) about down payment assistance program for 1st time buyer. He called me same day and advised we have a program that helps with up to 30k for  down payment and closing cost. He said it was called the Chenoa Program.  Requires to take a buyer 's course and have a XXXX credit score. 
XXXX XXXX-I signed contract with XXXX XXXX base price XXXX. ( after studio options price is XXXX options paid to XXXX  upfront ). Earnest Deposit XXXX XXXX XXXX I received a preliminary closing disclosure and my realtor pointed out to me there is a down payment amount. XXXX and his team kept deceiving me and never would answer my question until I spoke with him on XXXX. 
XXXX XXXX Discovery Period FHA documents had incorrect information XXXX  Sales Consultant requested loan assistant for the Underwriting and XXXX  Questionnaire to be resent with XXXX XXXX XXXX since they changed from Finance of America , LLC . 1st time discovered about the XXXX  questionnaire XXXX and his team never intended to help with the program they offered me. 1st time discovered the underwriting docs had me listed with 2 retirement accounts which is incorrect. 
XXXX XXXX I called XXXX ( down payment assistance ) directly and spoke with Rep. he advised that Finance of America , LLC is part of their lender list and XXXX   XXXX XXXX  is not on their lender list. 

While building the home there was never disclosure of the loan type in detail, Loan estimate, lender change or affiliation notification, down payment assistance program and accurate disclosure statement. 

This is very deceiving to me as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
I am the executor of my mother 's checking account and she passed away on XX/XX/2021 and after reviewing her account, I seen a withdraw from Capital One of {$2500.00} on XX/XX/2021. My mother did not have any credit cards, she only had a debit card for her checking account from XXXX XXXX XXXX. I went to the bank and did all the necessary paperwork for unauthorized withdraw and the bank faxed all info to Capital One. I have talked to Capital One numerous times and so did the bank but they say they can not find any info for it. They are refusing to investigate or give my mother 's money back. This is definitely fraud and I do not know what to do next. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX My mother 's name : XXXX XXXX XXXX, I have attached the printout of her checking account for XX/XX/2021 Capital One XXXX attn : Payment Investigation Dept

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My employer issued an end-of-year bonus on XX/XX/23. Chase bank placed an XXXX hold on the deposit to verify funds had been received. This check was posted to my employer 's account on XX/XX/23. Chase is holding the deposit funds despite my confirmation that the check had cleared. Neither bank will speak with the other despite the fact that I provided personal contacts. XXXX  XXXX XXXX eliminated the employer 's personal banker position and converted to a priority XXXX team, aka calling customer service. Chase says their hands are tied.

Company response to consumer: Closed with explanation