BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-04
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
IN REGARDS TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX. I HAVE EXPLAINED COUNTLESS TIMES TO EQUIFAX THAT I HAVE NEVER DONE BUSINESS NOR HAVE I HAD A CARD WITH THEM THAT IVE I APPLIED FOR AND I AM A VICTIM OF IDENTITY THEFT AND FORGERY HAS BEEN COMMITTED. THEY CONTINUE TO KEEP REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT WITH OUT INVESTIGATIONING THE PROPER VALIDATION OR VERIFICATION OF THE ACCOUNT IN QUESTION. IF THIS KIND OF UNLAW BUSINESS PRATICESS THAT BREAKS THAT BREAKS THE FTC LAWS CONTINUES I WILL BE FORCED TO FILE SUIT FOR EACH INFRACTION BROKEN IF THE ACCOUNTS ARENT REMOVED AND THEY DO NOT CEASE AND DESIST AND REMOVE THE NEGATIVE ACCOUNT FROM REPORT. I WILL BE CONSULTING WITH A CONSUMER LAW ATTORNERY ON THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
We were purchasing carpet from XXXX and they use credit from Wells Fargo Bank. I gave my information to the sales associate who in turn gave my information to Wells Fargo. Shortly afterwards, a Wells Fargo associate called and spoke with me. I was denied credit for the carpet purchase according to the Wells Fargo associate due to the inability of Wells Fargo to authenticate my identity. This interaction happened on XX/XX/18. In the mail, I received a denial letter stating the inability to authenticate my identity ( the applicant ) and instructed to contact XXXX XXXX. My complaint is with Wells Fargo ; specifically, why did I take a credit hit, if in fact Wells Fargo could not authenticate my identity? It doesn't make sense for any business who claims an inability to authenticate a potential customer 's id to then be able to run a credit check and then the customer takes a hit to their credit score.

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 2018-07-04
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:
The information the collection company is reporting is a violation of the fair credit reporting act. This information is showing on all 3 credit bureaus and needs to be deleted from all. They have re aged the debt and I want it removed from my report. I have the original delinquency date and it is aged by more than 2 years in their favor. Original delinquency date was Date of First Delinquency XX/XX/XXXX and they are stating the date of XX/XX/XXXX. It is illegal to age the date of the debt to when they obtained it. This should be removed from my credit reports immediately. I have tried to fight it with Experian and they say it is not a violation. But it is. According to the Fair Credit Reporting Act. No matter when XXXX XXXX purchased this debt, the date of reporting should not have changed. The first DOFD has been reported by XXXX XXXX as Date of First Delinquency XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX. 
XXXX XXXX  closed this account on XX/XX/XXXX and charged it off. 

XXXX XXXX XXXX ( CLOSED ) Summary Account Number XXXX XXXX Reported Balance {$0.00} Account Status CHARGE_OFF Debt-to-Credit Ratio N/A Payment History Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO CO CO CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO XX/XX/XXXX 30 60 90 120 Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 15 Balance {$0.00} Date Opened XX/XX/XXXX Activity Designator TRANSFER_OR_SOLD Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$1000.00} Balloon Payment Date Balloon Payment Amount Loan Type Unsecured Date Closed Date of First Delinquency XX/XX/XXXX Comments Charged off account Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Summary Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX  is reporting : XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX, SC 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 2021-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
State: IL
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: Problem getting your free annual credit report

Complaint:
I can obtain my Credit report from XXXX and XXXX with no problem. I can obtain my XXXX and XXXX credit report on their website online with no problem. However, I can never access my credit report from Equifax at XXXX XXXX XXXX which has been problematic for me to obtain my credit report since 2017. These issues continue to keep happening over and over again. I'm requesting my XXXX XXXX XXXX from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2018 I received a refund from XXXX in the amount of {$12.00}. The refund had been credited to a Chase Bank account that had been closed. I contacted Chase and asked them why they would credit money to a closed account in the first place. I requested that funds be made available immediately and was told a check would me mailed out. I did not receive any check, and get no answers when contacting the bank. I have dealt with this kind of service from Chase Bank in the past, which is why I closed the account in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have an loan from santander about 2 years now and I feel the amount is really high the balance also. I have received a letter about the settlement and I reach out to them but was turn away. The price was XXXX and with everything it came to XXXX and I put down XXXX which brings it back to XXXX. Every month when I make my payment I see that my whole XXXX isnt Deducted from the balance just like XXXX dollar is. My current balance is XXXX and I put down XXXX. And when they budget me I feel they were giving me rates to fail. XXXX a month when Im making XXXX a week and thats not taking taxes out yet. So makes XXXX. I dont understand how Im still owe XXXX. On this car thats not even worth XXXX and is XXXX years old. My account should be look over or something not happy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: CONTRACT CALLERS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX  leaked my personal information as well as the information of over 143 million Americans. This situation has affected me mentally as well as damaged my overall credit score and credit health. The three major credit bureaus XXXX XXXX and XXXX  are now reporting accounts to my credit file that are a direct result of Identity theft. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: CITIBANK, N.A.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'm a victim of identity theft and I didn't apply for anything with CBNA. 
Where's the copies of the signed docs that were filled out when I supposedly applied for an account on XX/XX/19? Please provide me with all written documentation within 15 days because this is a violation and you must DELETE it from my credit report. 

Please attach a document on your company letterhead stating your findings and result of deletion of this inquiry. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted by LVNV Funding LLC several times in regards to a debt listed in the amount of {$590.00}. I have repeatedly notified them that this is not my account. I have never had or opened an account with this company. This company does not have an agreement with me or a contract with my signature. I've disputed this item several times on my credit reports. They are reporting inaccurate, incorrect and damaging information in clear violation of consumer laws, the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: MD
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, XXXX, XXXX in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, Equifax XX/XX/2021. 
Pursuant to all the facts I stated above, here are my written instructions as to what I, a consumer in fact want removed from my report immediately. I also DO NOT authorize any automated response or e- Oscar verification method.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2021-09-02
Company: Global Lending Services LLC
State: PA
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:
After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from Global Lending Services on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted.Global Lending Services violated federal law. see 15 USC 1681b A2. I did not give Global Lending Services Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On Saturday morning XX/XX/18 I went into the XXXX XXXX branch to cash a check for {$44.00} and withdrawal an additional {$150.00} ( This was all posted to XX/XX/18 due to the XXXX XXXX   holiday. I was checking on my account on the morning of XX/XX/18 and noticed a pending {$500.00} debit. I went into chase as soon as they opened ( XXXX ) and spoke both to a accountant on the floor along with the branch manager eventually. I said that it looked like there was a fraudulent charge on my account. The accountant notified me that it was not fraud it was a bank charge for investigation results. They told me that the {$44.00} check was cashed as {$540.00} and that they gave me that in cash on top of {$150.00} withdrawal. I explained to them that I did not receive that money that I only received {$190.00} and that I needed this resolved and they needed to show the camera footage of this transaction. On the morning of XX/XX/18 I received a call from the branch manager informing that they reviewed the footage and it shows the teller person counting out the money putting it into an envelope and handing it to me. I told her that that is not possible I never take an envelope for money I get and I did not get the {$500.00}. I told her that I wanted to see the footage she declined and said I would have to get it legally. I tried to file a police report with the XXXX XXXX Police but they said this was civil. I only get XXXX which takes everything I receive to get till the next month 's payment. Allowing Chase Bank to steal {$500.00} from me will be devastating. Just a thought - If I had video proving my stance on a issue like this one why would any organization not show it to prove they are correct beyond a reasonable doubt unless they needed to hide something? Why take the chance of losing a customer or many?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2020, contacted company on credit report, credit management, at XXXX, concerning entry to credit report. I let them know i do not owe XXXX, it was paid im full and that i have a confirmation number to prove it from XXXX, and XXXX billing dept number to confirm. So the agent told me that they would bring it to a {$0.00} balance. I said no remove the entry to my credit report because its done in error and indo not owe XXXX. The company refused to remove it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10
Company: Experian Information Solutions Inc.
State: NV
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:
On XXXX I, XXXX XXXX XXXX XXXX contacted XXXX XXXX XXXX in writing through Certified Mail with out a return receipt, however I have not received the return receipt even though I have proof they received it on XX/XX/21 at XXXX. I sent my Cease and Desist Letter, Affidavit of Truth, Invoice and exhibits that are attached. I am contacting the CFPB due to them being in violation of 15 USC 1692c and 1681a ( b ). They reported my credit transactions, private information violating my privacy and have scored me making it detrimental to my life and caused defamation of character. I am seeking remedy under 15 USC 1692k. Also after them receiving my Cease and Desist letter, I was called contacted on XX/XX/21 at XXXX which is a violation of the FDCPA and the TCPA and 15 USC 1692c, and pursuant to 15 USC 1605 they are also in violation. I'm requesting an additional XXXX IN A CHECK for these violations that occurred afterwards. I have attached documents as proof. I Would Like your help in getting these matter addressed quickly. Please and Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was erroneously charged a late fee of {$25.00} and an additional {$35.00} in interest charges on my XX/XX/2020 statement. The payment was in the mail-box well in advance of the due date. My only thought is that Capital One is attempting to pad their revenues in this time of COVID-19. If the Postal Service is over-burdened in these trying times, that is beyond my control. Capital One, however, must not be allowed to fleece it's customers due to the COVID-19 crisis we are all doing our best to cope with. 

I attempted to call Capital One, but the wait time to speak with a rep was over two-hours ( absurdly unreasonable ). In other words, Capital One does not want to hear from outraged customers, but will happily nickel and dime them to death, hoping they will back down, or perhaps, literally die off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2018-07-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have a Best Buy Citibank credit card that had been charged monthly for a " debt protection service '' that I was unaware of. They had been charging my card monthly for years. The company refuses to provide proof that I willingly signed up for this predatory " service '' which has charged me thousands of dollars over the years. I have contacted them multiple times and no one can ever give me accurate information. They tell me a date that I signed up, and that's it. I did not even know this service existed, what purpose it served, or that I had been enrolled in it. The company can not provide proof that I signed up for the service willingly. This is a scam.

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 2020-09-03
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Quicken/Rocket mortgage kept changing Discount points from XXXX pts at 2.75 % to XXXX pts at 2.75 %, again to XXXX pts at 2.75 %, wait for it ... XXXX pts at 2.75 % .This clearly appears to be Predatory Lending Practices! This refinancing process started XXXX XXXX months ago too many delays. I submitted all documents very quickly. I had to withdraw from the process too many RED FLAGS!

Company response to consumer: Closed with explanation