BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
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: Information belongs to someone else

Complaint:
I have contacted you all about my credit and stuff on there that I dont know about. Will you please have it removed from my credit XXXX XXXX XXXX XXXX, XXXX  XXXX, US DEPT ED, XXXX XXXX. These inquiries I dont know anything about as well 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 2020-05-20
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX  XXXX {$5300.00} XXXX XXXX  XXXX {$520.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$650.00} XXXX XXXX {$130.00} XXXX XXXX {$85.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} DP OF EDUCXXXX {$8500.00} DEPTEDXXXX XXXX {$12000.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$780.00} XXXX XXXX- XXXX {$560.00} XXXX XXXX {$20000.00} XXXX/XXXX  XXXX {$110000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. XXXX really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filed an application for a mortgage refinance loan with Chase Mortgage Bank and submitted all the financial information requested. After 60 days, Chase Mortgage Bank changed the terms of the loan and later admitted that they had miscalculated my debt/income ratio and I needed an exception approval. Chase changed the status of the loan as approved but also changed loan terms without proper notification. The Loan Agent never notified me regarding how points on the loan was increased as well as the total amount of loan costs. All without proper disclosure. It was a bait and switch tactic which occurred late in the application process. They repeatedly used their online website to continue to add more " tasks '' and ask for more financial documents. It appeared that Chase began to add deadline dates for more information for me to miss a submittal deadline and thus have a basis for loan denial. I demanded they change the loan terms back to what was originally quoted. My e-mails were ignored. I submitted over 130 separate loan document uploads to Chase as requested. In some cases, the repeat requests were for already submitted info. Chase, indicated the loan was approved and scheduled the loan signing date, but later after waiting over 90 days cancelled the loan approval when they notified me that the loan underwriters could not approve the loan because my income was considered retirement income, and I did not submit certain tax documents ( that were never requested regarding self employment income ). Which they originally said would not be used to qualify for the loan. I have excellent credit with no late mortgage payments in the past 20 years. I clearly feel I was discriminated due to my age and/or XXXX race.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: REGIONS FINANCIAL CORPORATION
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:
My phone and wallet was stolen inside my wallet was my debit card multiple transactiOna I guess were made when I got a new phone and check my account it only had XXXX dollars I called the company ASAP to have my account closed when I called more transactions was made that day now there telling me I cant get my money

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 2022-08-25
Company: EQUIFAX, INC.
State: IL
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:
When I reached out to dispute, their was no response and it still appears on my credit report. I disputed it through XXXX  XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Rocky Mountain Capital Management
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a letter saying my credit card was sent to Rocky Mountain Capital Management for payment. I was threatened by a XXXX XXXX to be sued and garnisheed but I have SSI which is exempt from garnishment. He calls with threatening messages day and night under private. Garnishment against social security is illegal. 

He says he is suing me without a legal summons and complaint. He never made legal demand in writing for any bill. 


I can not even use my phone anymore and I am an accident victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. 

I waited too much for the response of the credit bureaus.

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 2020-07-02
Company: FirstLine Financial, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent debt validation letter to company on XX/XX/XXXX and per certified mail tracking number XXXX letter was received by company on XX/XX/XXXX ; i have not received any information to validate this debt ; the original creditor was removed from my credit for false information and then sold to another company and increased the amount of the debt owed without contacting me

Company response to consumer: Untimely response
Consumer complaint received 2023-02-22
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
N. Accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the wrong hands.

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 2020-09-05
Company: EQUIFAX, INC.
State: LA
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 in several documents to the bureaus about accounts that dont belong to me for the last past months, i have been a victim of identity theft i never recived anything months later nor was the accounts removed, they acting as if i never sent anything in because i didnt get anything from either bureau i tried calling experian cant get through tried to send fax it kept saying line busy, equifax i was on hold forever i haven't tried to call XXXX  yet but i did mail off to them also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TD BANK US HOLDING COMPANY
State: NJ
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 have previously filed a complaint with td bank, and it was initially resolved. Now the charge is magically back on my CLOSED account, and Im being mailed paperwork saying Im late on my payments ( for a charge that was deemed fraudulent ), and Im being charged interest and late fees. Im enclosing photos of all paperwork explaining the previous complaint and current billing paperwork Im receiving. I have reached out to td many many timEs, both on the phone and in person. On one such occasion, the representative on the phone actually suggested that I just pay the charge. This is unacceptable, and needs to be resolved immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX, the fees they charge don't bring your account down when making monthly payment. Also when signing for this card I was told I either do it to have the XXXX or not and nothing about any promotional offers was given to me at time of signing and that is one of their excuses for charging me extra. I've been making {$110.00} dollar on average payments and it seems to be going nowhere. XXXX XXXX I think take advantage of the needing and poor to advance their company and it should be stopped. Especially when I went in for another XXXX with a different doctor a few months later and they did it with out question. I feel they are robbing people and they should be investigated. Me and my wife compared our credit card to this company and it is no where in comparison. XXXX XXXX charges a XXXX security fee each month on top of a 26.99 interest rate. It is only beginning of XXXX and here is a description of the fees they have already received. 
Tran Date Post Date Reference Number Description Amount FEES XX/XX/2018 XX/XX/2018 Card Security XXXX {$42.00} TOTAL FEES FOR THIS PERIOD {$42.00} INTEREST CHARGED XX/XX/2018 XX/XX/2018 INTEREST CHARGE ON PURCHASES {$64.00} TOTAL INTEREST FOR THIS PERIOD {$64.00} 2018 Totals Year-to-Date Total Fees Charged in 2018 {$98.00} Total Interest Charged in 2018 {$140.00} Total Interest Paid in 2018 {$760.00}

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 explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I had an XXXX XXXX interview for XXXX employment. During the investigation, I learned that the only derogatory note on my account was a " Charge Off '' from XXXX XXXX XXXX. It was related to a XXXX XXXX XXXX lease. At the end of the lease, I paid the final balance in three ( 3 ) payments. 

On XX/XX/XXXX, I spoke with XXXX XXXX XXXX and learned that a charge off was incorrectly placed on both my wife and I credit. The representative requested that we initiate a dispute even though XXXX placed the derogatory information on our credit in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
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:
Good day to you. I am sending in this complaint as a last-ditch effort to remove a bankruptcy that is being reported inaccurately on my Experian report. I have sent updated copies of my credit reports as well as my current XXXX XXXX report that shows that there is no bankruptcy in my public record. I have also attached a letter from XXXX XXXX that shows that Experian is not even responding to XXXX XXXX to remove this account. Please have them remove this as this is the 5th month I have disputed with Experian in a row with no success. I have been disputing this with them since XXXX of 2020. Thanks for your help in this matter. 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 2021-09-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
my public record shows that esperian verified my account with XXXX. but thats not true cause I got report from XXXX saying that the bankruptcy was deleted so there is no way they could have verified

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 2018-03-03
Company: Experian Information Solutions Inc.
State: FL
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have tried on multiple occasions to cancel my Experian credit monitoring. I am on hold for over an hour each time I call. 

Last time I was on hold for 96 minutes then someone answered and hung up the line. 

They take XXXX dollars per month and I have no way of canceling my service. I try to cancel online, only to be referred to call and cancel. 

This is fraud and must be stopped.

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 2021-01-26
Company: EQUIFAX, INC.
State: VA
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 made several attempts to have the late payments removed from my credit report for the year XXXX during COVID. I was granted a payment extension and I Specifically asked would it effect my credit report. I was informed by the representative that the credit report would not be effected because the program will keep my account current. XXXX lied about that and reported the late to my credit report for XX/XX/XXXX and XX/XX/XXXX. The other late payments from the year XXXX were from when I was in a car accident and couldn't work for months. XXXX agreed to have this escalated and has yet to research pr resolve either one of these issues. I have attached copy of initial claim submitted in reference to my car accident

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of american has put a blacklist note out on my name. this was from 2016 since has been resolved but still has been preventing me from opening any accounts to establish myself.

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 do not recall authorizing these hard inquiry of my credit record. I am demanding that they be removed immediately. 

- XXXXXXXX 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 2018-03-03
Company: KeyBridge Medical Revenue Management
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Keybridge submitted a medical debt to the credit reporting agencies that was paid. This is a matter in which both the XXXX XXXX XXXX and Keybridge have handled the matter incorrectly. We made regular payments for years to XXXX XXXX XXXX, I submitted 5 written notices to them asking for a statement reflecting what they felt we still owed. At all times we updated them with our new addresses, so they had no reason not to send billing statements. They never responded. My husband spoke to them on the phone and their billing person refused to send a statement. I made monthly payments for years, NEVER receiving any billing from them, and we NEVER heard anything of, or from Keybridge. The only accounting of our debt I could go by was the records I kept, the last billing we received was in 2014. Eventually we received a check from XXXX XXXX XXXX stating that we had overpaid the account. Even at that, they sent a hand written note, as though 1 person in the office had a conscience and wanted to do the right thing, but couldn't get permission to actually write a letter. 
A review of our credit report showed the collection reported by Keybridge. They never contacted us in any manner, nor were we given our right to dispute the debt. The debt is paid, we made PAYMENT IN FULL without EVER receiving any billing from either party. This was the result of a XXXX that was pre-approved by insurance, then after the fact the insurance company denied payment. We made regular monthly payments until the debt was paid in full.

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