BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: CA
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 am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$34000.00}

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 2018-04-30
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Huntington has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
On or about XX/XX/XXXX capital one offered me a new master credit card, I already had master card with capital one in great standings> I was told the new credit card will not have an impact while running mt credit. In other words in ll be a SOFT inquiry not a HARD one. I agreed and I was approved for a 2nd master card. In mid XXXX I received a letter from Capital one regarding financing my existing auto loan and also this process will not effect my credit as the process will be ran with a SOFT inquiry not HARD. I did apply for the refinance loan, I got approved however I did not go ahead with the finalization with the loan. On XX/XX/XXXX I looked at my XXXX credit report and I found out that Capital one was not honest about the soft inquiry with the master card but was honest with the soft inquiry regarding the auto loan. I was not happy to say the least. I immediately contacted capital one supervisor to understand the misinformation I was given and why Capital one would do a soft inquiry on a $ XXXX loan and a hard inquiry on a {$1500.00} loan credit card??? The supervisor had no answer for and made it clear she can not speak for the auto loan credit department and gave me no one to speak with further except she did offer me to file a complaint against capital one. I am attaching a copy of the hard inquiry with XXXX along with a copy of the auto loan offering showing no impact on my credit. If I had known the 2nd master card will be ran with a HARD inquiry I would not had accepted the offer. I already had a higher credit master card and certainly did not need the 2nd card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am a long time JPMorgan chase N.A bank client and was maintaining my checking account. I used online banking from checking account for paying my bills.I have an account for XXXX XXXX Credit card company and their address : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX But by mistake I set up a different account for XXXX XXXX with does not exit & that was : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX - XXXX With a account # XXXX ( That number doesn't exit ) I paid {$1000.00} to that account. When I notice the problem tried to contact with chase bank and ask them for help - that was a wrong payment.

My first concern with chase is : When we do the Online banking for bills either they issue a electronic check to the company or if they have their particulars to their system that match - they release the electronic payment. In both way they have the clients particulars - where they release the money or sent check and its clearly a wrong business transaction, why they are not able to contact with that company about the dispute - since both of them are their client.They way JPMorgan Chase, N.A is dealing is totally unprofessional and they refused to investigate the case & don't want to solve the problem. I want help that commercial bank should have responsibility about their clients accounts, transaction, wrong payment, unwanted seals, disputed bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: ECMC GROUP, INC.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
ECMC has attempted to contact me and collect on a debt that is not owned to them since XXXX XXXX. They have sent letters, called my cell phone, my family members and my place of business. I disputed the claims that ECMC has placed on all 3 of the credit bureaus under the Fair Credit Reporting Act. ECMC sent a letter to me on XXXX XXXX, XXXX that I owed XXXX in student loans and they would be contacting my employer to garnish my wages. 
I am currently under a payment plan to pay my student loan back and do not owe ECMC. I 've never taking out a loan with ECMC nor given them my information. 
I would like for Educational Credit Management Corporation to not contact me or my place of employment anymore.

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 2023-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was making my payment for capital one and my due date was XXXX 2023, they told me i was late since the cut off was XXXX oclock even though i was making the payment on the same exact date of XX/XX/ 2023, they will charge me XXXX dollars, i think this is illegal of doing that, i think that was a misleading practice. not only that, that will affect my credit score as well, it will be notice as a late payment. Capital one is misrepresenting his customers by making it hard for their customers to make their payment on time .They should not be a cut off time to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions 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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 got into the hands of the wrong person.

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 2022-10-08
Company: Experian Information Solutions Inc.
State: SC
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.

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 2022-10-08
Company: EQUIFAX, INC.
State: SC
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
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:
I've dealing with this Identity Theft issue for a while now and I have tried reaching to the credit bureaus and creditors but I cant seem to get any real help to help me resolve this situation and as a result I've develop a lot of health and emotional issues which includes XXXX, XXXX which all resulted in me losing my job and my family. 

Name, Addresses, Inquiry and phone # do not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( these names are not mine ) XXXX spring XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Ga XXXX The items listed below are fraudulent and need help getting taken off my report. 
XXXX XXXX XXXX- {$330.00} ( XXXX & XXXX ) XXXX  XXXX XXXX {$4500.00} XXXX XXXX- {$2100.00} XXXX XXXX- {$9100.00} XXXX/XXXX XXXX XXXX- {$5200.00} XXXX XXXX XXXX XXXX- $ XXXX {$5800.00} XXXX XXXX XXXX XXXX- {$11000.00} Money XXXX- {$44.00} XXXX XXXX XXXX- {$21000.00} XXXX/XXXX- {$24000.00} XXXX XXXX XXXX- {$11000.00} XXXX XXXX XXXX XXXX- {$26000.00} XXXX XXXX- {$720.00} XXXX XXXX XXXX- {$2000.00} Inquiry-XXXX XXXX  XX/XX/21

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 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.

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 2021-05-23
Company: TRANSUNION INTERMEDIATE 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:
This Debt is not mine and this debt is old. They keep reporting this old debt on my credit report. This should be removed as this has already been disputed several times with this company. I am requesting a internal investigation and removal.

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 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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 2016-02-09
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I went to XXXX for help with my mortgage because I fall behind with my payments, XXXX, tried to contact Nationstar mortgage for the past 3 weeks, to find the full amount of payment and got no responds .the representative from Nationstar would not return my phones nor the calls XXXX XXXX 
when I spoke with XXXX XXXX .said he has been missing calls from myself and from XXXX representative he also tell me that I would have to pay lawyers fee but told XXXX that persons from Pennsylvania do n't pay the attorney fees this is how Nationstar mortage conducts their business. 
after witing them a letter of hardship 6 months ago .finding that they have no intention of working with me. my counsel that they no allow anyone to pay back payments on a 60 month payment only 12 month payments. 
now I 'm at my wits end ..

Company response to consumer: Closed
Consumer complaint received 2019-10-26
Company: CITIBANK, N.A.
State: MA
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:
This is inaccurate. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX And so with this, the late remarks started 120 days. 

XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 120 XXXX  OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 150 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 2019-10-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NAVIENT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be  investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: EQUIFAX, INC.
State: KY
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 was part of the Equifax data breach. Now there are a pair of fraudulent claims on my Equifax report attributed to " XXXX ''. For many months I have tried to get Equifax to remove the fraudulent items, but they refuse. They refuse to provide any proof with a signature. They will only say that they have checked with XXXX and XXXX says it is real. ( That doesn't prove anything. ) I filed a previous complaint with CFPB and Equifax waited two full months ( already a violation ) to say that it is real and once again provided NO proof other than saying XXXX says it is real. They need to remove it from my report. It is fraud and they are helping commit it. The reason they will show nothing with my signature is because it doesn't exist. 

They are repeatedly violating federal law by refusing to remove it. They are violating federal law by fraudulently claiming they investigated, which they didn't. I want to file a legal complaint against them. It is bad enough they gave out all my personal data in the data breach, but now they aren't even helping to clean up the mess like they agreed in the settlement. 

For the record, the other two bureaus agreed it was fraud and removed it. They aren't intent on breaking the law. 

I'm tired of going in circles about this. CFPB, please start enforcing the law. Don't allow fraud. Don't allow extortion through manufactured ( ie fake ) debts that never existed. Whoever is reading this : imagine if someone falsified a debt that you owe them money, with no proof, and reported it to the credit bureaus and said the only way it is coming down is if you pay the false debt. Now imagine one of the bureaus backs them up. That's exactly what is happening here and it is illegal. Equifax is breaking the law. Enforce the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: DISCOVER BANK
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Discovery card blocked me from using my card because, I was at my credit limit, but they let XXXX XXXX XXXX charged up over XXXX XXXX  dollars over my limit and, after begin the pay the card and was not late on payments they still charged me interest for not using the card, I paid more than the regular amounts monthly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-20
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, my daughter transferred money to me via the CashApp. The money was never deposited into my account. I contacted the company via their cashsupport email address on XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX, they have not replied to any of my emails and the money was never deposited into my account. I'm will to disclosed my bank statement as proof. 
The money was transferred on XX/XX/XXXX @ XXXX. The identifier is XXXX. 

The money was transferred from $ XXXX and was supposed to go to $ XXXX. The transaction is showing up in the app, but the money never went to my account. Even after trying to do the 'cash out '.

Company response to consumer: Closed with explanation