BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-23
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results, this is unacceptable and needs to be resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: ALEXANDER-ROSE ASSOC, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of 2016, the management company for The XXXX at XXXX apartments in XXXX, TX attempted to force me to pay an additional month of rent after I had vacated the property. The lease required that they provide notice at least 90 days in advance of the renewal/move-out period. If they did this, then I would be required to provide them a 60-day notice of intention to vacate/not renew. If they did not do this, then I was required to give them the standard 30-day notice of intention to vacate. The management company at that time, XXXX, did not provide the management-required notice, thus I was only required to provide a 30-day notice per the lease, which I did. 

This was a contractual dispute, not a debt incurred and then not paid. Instead of bringing a suit before a court of law to settle the contractual matter and prove a debt, XXXX submitted to Alexander-Rose, Inc. for debt collection. Alexander-Rose was told of the contractual dispute but posted the debt to credit reporting agencies again without bringing a suit before a court to settle the contractual dispute. 

I am now seeking to rent another apartment and am being denied upon the basis of this reporting, which was never substantiated in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Experian to verify the disputed account and remove them if unable to prove that the account is mine. Experian is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged accounts. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

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 2022-08-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act XXXX finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXXXXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
All three credit bureaus have dismissed my disputes in the past and requests for validation, the documents attached prove XXXX XXXX XXXX has not validated, but perjured themselves. I demand these accounts by XXXX XXXX XXXX be deleted immediately. 

See attached documents for supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed the bankruptcy information with experian credit reporting agency. They did not do a investigation on the information that they were reporting. They sent me email saying the information was verified with XXXX XXXX XXXX XXXX sent me a letter stating that they will not be reporting this information 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 2022-08-31
Company: Experian Information Solutions 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:
XXXX is reporting late fees on all of my credit reports. It is improper use if my credit report and hindering me from home ownership

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
i received a text alert that told me of a Credit breach. to see my real time score click here. link is for " XXXX XXXX' It requested information such as social security number, birthday, driver 's license information.

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 2023-08-29
Company: CAINE & WEINER COMPANY, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This agency is reporting an inaccurate account which does not belong to me. 

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: BlueChip Financial
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Well, its kind of been a snowball effect ever since I got my first payday loan. They have identified me as prey in their predatory loan schemes. I have been struggling to keep my head a float but now I am completely submerged and drowning. My bank account has not been a positive number for nearly a month. I have 5 payday loans in the state of ohio for amounts of {$1000.00} to {$300.00}. I can't pay any of my other bills, or afford the overdraft fees my bank have XXXX me with. XXXX XXXX has not been understanding of my financial situation and I can't get a loan to consolidate because of my recent credit history, utilization and delinquency. I can't pay my bills, yet XXXX, XXXX, spotloan, XXXX, XXXX, XXXX, are robbing me of every dollar I make. I don't know how to resolve this situation and I can't work enough hours or make enough money to end this cycle. I tried by getting a unsecured loan for XXXX but have now gone into default with this loan as well. My credit was starting to get better, but after an unexpected expense it has led to this. I am severely afraid for my financial future and need some one to protect me from these predatory lenders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: EQUIFAX, INC.
State: LA
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 several hard inquiries on my credit report that I did not authorize. I have contacted each creditor that pulled my credit. I was unable to get the inquiries removed. I contacted all 3 credit bureaus and were unable to get my inquiries removed. The following are inquiries that I DO NOT recognize. <P/>Equifax : XXXX XXXXXX/XX/XXXX XXXX /XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I would like these inquires removed from my credit report promptly. They were not done by me nor auhtorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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 not a third party this is XXXX XXXX XXXX complaint. I XXXX XXXX XXXX did not give your consumer reporting agency written permission to include fraudulent information on my consumer report which is in violation of 15 USC 1681b- ( a ) ( 2 ). Based on my research I found out this is a violation under FCRA and that Identity Theft happens everyday and as a consumer I never benefited from the goods received. This fraudulent " XXXX '' account must be deleted immediately. Pursuant to 15 USC 1681 c-2 subsection ( a ) block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt of such agency. This request was NOT made in error. Its been more than 30 days and you as the Consumer Reporting Agency you are in VIOLATION of this law because I am a victim of Identity Theft! BLOCK AND DELETE THE FRAUDLENT ACCOUNT THAT I HAVE NEVER BENEFITED FROM THE GOODS. 

ACCOUNT : 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 2018-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Capital one 360 checking XXXX XXXX XXXX checking Both accounts were closed without notice XXXX XXXX account was closed, after 20 hours on the phone and I personal guarantee I would get my funds of approximately {$4000.00} XXXX the next business day. 
I did not receive .I called again and I was rudely hung up on. I asked a representative if the conversation was taped I was informed that it was I informed the representative I will wait as long as it takes for her to review the the tape recording. 
The representative returned after approximately 40 minutes on the phone and knowledge that the check was supposed to be sent out. Using terminology there was a " mishap '' the explanation was that it was in transit therefore they couldn't cancel it and couldn't issue me another check after the first one was sent to the wrong address. the second I was extremely clear and requested confirmation of the correct address. I was informed that it was there was another mishap and it was mailed to the wrong address once again. 
I finally received the check made out to my business name. 
Since it was made out to my business name I could not cash the check I ended up spending {$450.00} at a check cashing place to cash a check those approximately {$4000.00}. 
took over a month-and-a-half which constituent in closing of two Capital One accounts business and savings was XXXX and Capital One Additionally because I was not able to receive my funds to pay on my credit cards with Capital One. 
I simply requested they transfer the monies from my checking account to pay off credit cards I was informed that's against company policy in essence Capital One checking could not make a payment Capital One credit cards same account, everything was combined 7 accounts in total Capital One closed all 5 credit cards continuing to charge me in outrageous fees and penalties for checks and payments being returned from Capital One checking same company the close the account that was holding my money and didn't have access to it. I repeatedly asked to speak to a supervisor I was never given the opportunity and was hung up on on numerous occasions. 
The practices of Capital One banking and credit card services are absolutely horrific especially due to the fact that I was recovering from two car accidents ( not at fault ) by drunk undocumented uninsured unlicensed XXXX XXXX which rendered me XXXX and consequently losing my business of over 28 years. 
Not only do I request all monies due to me .I requesting sanctions and an investigation to the extremely unethical and illegal business practices of Capital One credit cards Capital One 360 checking account and Sparks business and checking account I firmly believe that a class action lawsuit should be filed against the practices of Capital One and all Affiliates associated with a company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We applied for a government loan modification and because they approved a repayment plan we were denied for the loan. The repayment plan is way beyond our means requesting a monthly payment of {$990.00} plus additional payment of {$860.00}. Mr. Cooper ( We fell behind with payments during my husband 's XXXX XXXX and recovery ) I requested a copy of the check that they actually paid for said property. Instead I was resent all Mortgage Paperwork. I have given them until XXXX XXXX to produce this copy of the check. We are maintaining that the repayment plan and mortgage itself used misleading or unethical tactics to persuade us to take out a loan not in our best interest. 

We are seniors age XXXX & XXXX. We live mainly on Social Security Income. I am sending a letter of appeal to them by Certified Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: ORG GC GP Buyer, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
received repeated phone calls and voice messages from multiple numbers claiming I took out a payday loan for {$400.00} in 2016. I never took out a payday loan in 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EdFinancial Services
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX, I called EdFinancial to request a refund on my student loan balance which had been previously paid off in full ( I have the letters to prove it ). I requested a refund of $ XXXX to correspond with the amount that I would have been forgiven if the Biden student loan forgiveness program had not been blocked. They told me the request had been submitted and that I should see an electronic deposit back in my bank account within 5 months. 

I never saw the money come back in my bank account, however my student loan balance was updated to show XXXX. 

On XX/XX/XXXX I called EdFinancial again to request that the refund request be stopped and for the balance to be reversed back to XXXX, as I never actually received the money. They told me that they had requested a paper check be sent in the mail, which was not what I was told would happen in XXXX. I requested to cancel the check as I had never received it and to reverse the balance. EdFinancial then told me they would cancel the check and put in a request to reverse the balance. 

Since I saw no action being taken, on XX/XX/XXXX I called EdFinancial and I had to wait in a queue where I was quoted a 280 minute wait time. I waited over 5 hours, and then was hung up on. I immediately tried to call back and was given a wait time of 500 minutes which is unacceptably long. I then tried to do the live chat option but the chat was ended by EdFinancial before anyone actually began to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
The Citi Dividend card offers a cash back feature and I had accumulated greater than a thousand dollars in rewards. When Citi unexpectedly changed a number of other card benefits, card usage came to a complete halt. The reward dollars were lost because the card was not used for over a year. Apparently, this is in the card terms and conditions wherein reward dollars are forfeited if the card is not actively used. I was not aware of this. However, during the course of over one year, no updates, no card statements or notifications were provided as Citi kept on deducting reward dollars. 

I believe Citi had a responsibility to provide statements each month when the reward dollars were being deducted and the balance was being reduced. This would have alerted me to the issue and enabled me to take corrective action. 

Multiple calls to customer service have not resulted in Citi acknowledging their fault of not notifying customers when customer funds were being deducted from customer reward account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The problem I have with the credit bureau stating I dont have a security freeze, but when I apply for any account it get declined. The creditors stating I have a security freeze which I dont per the credit bureau.

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 2019-04-17
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
7 yrs ago I tried to apply for a loan modification to lower my 7 % rate. Wells Fargo ignored me. I hired an atty which one would not have to hire if dealing w/a reputable consumer-friendly bank. They stonewalled the atty, sent inappropriate form letters & told him I should have applied sooner. He told them I had. The fact that they only sent letters after his intervention proved you need an atty. They received interoffice emails from a XXXX banking officer throughout XX/XX/XXXX into XX/XX/XXXX. They have no knowledge of those contacts either ( definite pattern ). They foreclosed despite my filing XXXX XXXX ( 3rd attempt w/out prejudice ) & foreclosed. Based on their " promise to have an independent party investigate '' ( that would be the CFPB ) and the " creation of the Office of Ethics '', which was a total lie, and " commitment to make things right by appointing appropriate officials '' have all been denied by the customer service team who has no authority to settle this case.

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