BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
This is ridiculous no one at Capital One intends to resolve the matter. I have contacted your agency and the company to get NO RESULTS! I DEMAND a resolution or intervention from your agency as you stated you would. I can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, 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:
I've attempted several times to resolve this problem I'm having with the credit bureau claiming they are verifying accounts but does not provide any proof with the consumer of how they verified the information. I have yet to receive any letters verifying my signature on a contract. By law I'm permitted to request this information and if the information isn't provided then theirs no proof that the accounts is my account and therefore is inaccurate. I don't have a problem paying the debt I actually benefitted from but I refused to pay for accounts I never authorized to be open and then charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-03-20
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
RE : loan number XXXX Citibank NA- Home Equity line of credit Citibank agrees that the debt was paid in full. They have filed incorrect paperwork to the IRS as a write off of debt. 
So the IRS is asking us to pay on XXXX. The sum of the right off the Citibank CFO in  properly filed with the government. I have tried to get this straightened out as has my accountant. 
I have till XX/XX/2019 to make the case against this. I have tried filing and my accountant has filed paperwork to no avail. 

Please help. 
XXXX and 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 2018-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hendering me from gaining employment, and getting financed for housing. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. 

Trans Union is reporting negative information from XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX which is incorrect. I'm not liable for these debts. They're illegally attempting to collect money from me. This information is negatively effecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelyhood. The information they are reporting is not identically shown on my reports from XXXX, and 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 2020-08-02
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX Dear FTC, I applied for forbearance consideration with my mortgage lender ( PNC Bank N.A . ) under the terms of the 2020 Cares Act mortgage forbearance Terms on XX/XX/XXXX. Unfortunately, PNC countered with a forbearance program that was inconsistent with the Cares Act in that the loan modification would be " resulting in additional interest accruing over the life of the loan. '' See PNC letter Dated XX/XX/XXXX. I found that response very troubling. 

Due to the inconsistency with the 2020 Cares Act ( Section 4022 b ( 3 ) titled " Accrual of Interest or Fees '', I declined the PNC forbearance offer in writing on XXXX, XXXX. PNC Bank put me in their forbearance program anyhow. In my opinion, PNC appeared to unfairly put themselves in position to increase their profit from my loan despite Cares Act forbidding such activity. 

I have made numerous calls and trips to PNC bank to clarify the additional fees or interest they are planning to charge me via a modified amortization schedule that would show such additional time line of payments and/or any additional interest. They have refused to provide a amortization schedule or document that could verify I would pay no more than the total total finance charges of {$300000.00} listed on my original Installment Loan Disclosure document dated XX/XX/XXXX. They claimed no original amortization schedule existed at time of closing ( not provided to me with closing documents ) or could possibly be produced as a result of a forbearance loan modification. In fact, Ms. XXXX XXXX ( PNC retail support expediter ) refused my specific requests for original and modified amortization schedules during my phone conversation with her on XX/XX/XXXX at approx XXXX XXXX claiming that an amortization schedule for my loan " does not '' and " can not possibly '' exist. I find that position inexplicable as well as unacceptable. I would sincerely appreciate your help resolving my concern over this apparent Cares Act violation. 

Sincerely Yours, XXXX XXXX XXXX XXXX. 
Encl. 6 pages

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: CarMax, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Carmax has reported me late several times over the course of my loan. I would like them to validate and prove all reported lateness. During the course of my loan, carmax failed to send my monthly statement, and changed my due date several times, without me  knowledge. I want all of the unsubstantiated late payments removed from my credit report, all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX, XX/XX/XXXX : I open a {$1000.00} secured credit card with XXXX XXXX XXXX  to establish my credit score. 
XXXX, XX/XX/XXXX : I apply for a CHASE Freedom Unlimited Credit Card and get approved ; credit line XXXX XX/XX/XXXX : I move to XXXX to work in XXXX, where my parents live, to work there for a year. 
XX/XX/XXXX : I apply for the CHASE SAPPHIRE PREFERRED CREDIT CARD and get approved XX/XX/XXXX : I apply for the CHASE FREEDOM CREDIT CARD, because " I would qualify for it " as Chase advertises in my account XX/XX/XXXX : I close my secured credit card at XXXX XXXX XXXX, because I want to mainly want to use the new CHASE Sapphire credit card XX/XX/XXXX : CHASE closes ALL ( 2 ) my accounts. 
XX/XX/XXXX : I ask Chase Specialist for a review. It would take 10 work days. 
XX/XX/XXXX : CHASE doesn't re-open accounts ; it would be a risk, because I have no history. I explain I am traveling and want to start using the card. I have no debt and always pay my bills on time. But I don't get a chance to prove it and feel discriminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted my mortgage lender, Wells Fargo Home Mortgage to request a loan modification. I am in a Chapter XXXX bankruptcy. I am current on the post-petition mortgage payments, but I would like to modify the loan because I want to bring the loan current so that I do not lose my home because I am not able to sustain the bankruptcy payments so it will eventually dismiss. After getting the approval of my BK Attorney, XXXX XXXX to speak to me regarding my loan, WFHM took me through a series of questions to determine if I was eligible to apply for the modification. They advised me that I was and began to collect my financial information ( i.e. income and expenses ). They quickly denied my loan modification request, when I asked why, I was told it was because I was in bankruptcy. I asked for more details, they could not provide. I do feel that this is a mishandle of my loan which could cause me to loss my home to foreclosure. How can you approve me to apply for a loan modification while in bankruptcy and use the bankruptcy as a reason to deny it? I want this investigated as I believe my loan modification request has been handled negligently.

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 submitted a credit dispute to XXXX regarding some negative accounts on my credit report on XXXX XXXX. I received an email stating that my results were available. After looking over my results nothing had changed and there was no information given to me on how they came to the information on my report being verified. 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

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 2021-08-16
Company: JPMORGAN CHASE & CO.
State: CA
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:
I used XXXX points to book a trip with chase ultimate rewards. After 10+ hours on the phone with them they finally emailed me the ticket confirmation, which says the trip is booked and no additional fees are due. That was on XX/XX/2021. That day a representative also confirmed the tickets were booked and no additional fees were due. 

On XX/XX/XXXX, the day of the trip, I took the confirmation to the airport with all my bags. The airline told me the ticket hadnt been issued, they could see the booking but it was being withheld by chase. I got chase on the phone and they dragged out our call foe 75 minutes, refusing to fix their error because it would cost them too much After the booking window closed for my flight, I was forced to beg the employees of XXXX XXXX to let me pay them on the spot to book the tickets chase said they had booked, then refused to issue. 

This cost me {$17000.00} - money I dont have, but I didnt have a choice. I am going to XXXX for a wedding I cant miss. 

Chase gaslighted me on the phone so long I had to RUN over half a mile from the XXXX XXXX ticketing desk to XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, carrying my bag. I was injured in the process but once again had to make the choice between missing an event Id been planning for months and appropriately resolving the situation. I boarded the plane sweaty ans injured for a long haul flight

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Over the past 12 months, I have attempted to access my TransUnion credit score via the XXXX XXXX service offered to XXXX customers and via TransUnion.com However, I have been unable to access my information. I have contacted TransUnion and XXXX about this several times to no avail. My last communication with TransUnion on the matter ended with the phone agent telling me that I can not get a credit report from TransUnion because I have an ITIN instead of an SSN. However, having one of the 3 major credit bureaus NOT report my credit, severely impacts my overall credit history and opportunities with financial companies. Today ( XX/XX/2018 ) I have called TransUnion 7 times and XXXX once on this matter already. 



Furthermore, recently I applied for a new XXXX credit card and I was offered a credit card by having my credit limit reduced on another credit card I had with them. This makes me believe that XXXX can not properly obtain my credit report information from TransUnion ( XXXX uses TransUnion ) as XXXX and XXXX XXXX have given me quite good credit cards based on FICO scores of XXXX reported by either XXXX or XXXX XXXX XXXX 

Therefore, I would like for this matter to be looked at as I believe TransUnion is not properly reporting my information because I have an ITIN which is having a negative impact on my financial history.

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 2018-06-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
1. XXXX  Account : XXXX : Creditor appears to be re-aging this alleged debt. Reporting date of last payment is XX/XX/XXXX. The alleged debt should be listed over 180 days late and charged-off. Creditor is reporting erroneous information.

2. XXXX Account : XXXX  : Creditor appears to be re-aging this alleged debt. Reporting date of last payment is XX/XX/XXXX. The alleged debt should be listed over 180 days late and charged-off. Creditor is reporting erroneous information.

3. XXXX Account : XXXX : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information.

4. XXXX  Account : XXXX  : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information.

5. XXXX XXXX XXXX XXXX  : XXXX  : Creditor appears to be attempting to collect an alleged debt they reported to the IRS as forgiven under XXXX. Creditor reserved no claim to continue attempting collection and referenced no other incident requiring an IRS notice. Either creditor gave false information to the IRS or is attempting to collect a forgiven alleged debt. Creditor is reporting erroneous information.

6. XXXX XXXXXXXX : XXXX  : Creditor is reporting incorrect invormation on the report. Debt amount is under {$20000.00}.

7. Creditwise, XXXX XXXX, XXXX, Equifax : Each are under-reporting my on-time payments currently at 99 %. This specific reporting has a very high impact on my credit score.

8. Creditwise, XXXX XXXX, XXXX, Equifax : Each are over-reporting my credit use, currently at 5 %. This specific reporting has a very high impact on my credit score.

9. Creditwise, XXXX XXXX, XXXX, Equifax : Each are under reporting my available credit.

10. Creditwise, XXXX XXXX, XXXX, Equifax : Each are not reporting my XXXX XXXX XXXX XXXX  Account with an available balance of {$4000.00}.

11. Creditwise, XXXX XXXX, XXXX, Equifax : Each are improperly reporting a Chapter XXXX   Bankruptcy which was dismissed and filed nearly 8 years ago. THis should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This company is reporting an account on my credit that is not mines. I am a victim of identity theft. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19
Company: BB&T CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
BBT BUSINESS CHECKING ACCOUNT NUMBER XXXX XXXX XXXX My account was charged off.I made a deposit of {$200.00} to clear up the overdraft.They owe me credits in the amount of $ XXXX.Which is still under review.Due to me filing a fraud claim.They overlooked my claim and closed out my account.On XX/XX/2018 There was a positive balance of {$120.00} in my account.My storage cost was $ XXXX.So I paid my storage cost.XXXX XXXX went into my account and took $ XXXX.When they only should have taken $ XXXX.Whichj cause my account to overdrawn.I had a positive balance of XXXX. {$90.00} should have been deducted from my account.Which should have left with a positive balance of about $ XXXX.Which would have covered the 3 XXXX fees.But Due to XXXX XXXX taken more then they were to suppose to take.It cause my account to be overdrawn.I have failed an 2-3 fraud claim about this matter.Nothing has been done about the {$240.00} as of today.Its still under review.I don't know why they close out my account.When they knew it was a fraud claim on the account being reviewed.I want CFPB and BBT to investigate this serious important matter concerning my account.Which is now charged off.

I am a XXXX XXXX.I know my rights and I may file a civil suit in Federal court in my city.The law suit depends on the outcome of this investigation and serious important matter.

My account should not been charged off.Due to a fraud claim being reviewed on my account.A fraud claim was filed.BBT is obligated to analyze and investigate this serious important matter.So why was my account charged of.

They also charged me a bogus charge off fee of {$30.00}.

Again I am a XXXX XXXX. I may file a lawsuit in Federal court.This is a violation of Fair Debt Practices Act.I want to reopen up an account and reestablish my good history with the bank.I was reported to XXXX XXXXWhich is a FDPA VIOLATION.

Here is my Fraud Claim # XXXX  ... .There is one claim still open. This is a legal bidding record of my claim and they are legal obligated to investigate and credit my account.

They should have enough heart to allow me to open up an new account for my businesses.Again my account should not have been charged off.

Left credited my account $ XXXX.Due to then charging my account $ XXXX.BBT owes me a {$36.00} credit. for the NSF Fee that was changed to my 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 explanation