BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
Company: Self Financial Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I opened a credit builder account with the Self Lending website in XX/XX/2020 which states that after paying {$25.00} a month I would be able to build a credit history though a " loan '' and apply for their secured card. The requirements defined on their website to apply for the secured card is 1 ) a Self account, 2 ) {$100.00} in savings progress ; 3 ) three on-time payments - all of which I met. Supposedly, credit score is not a factor in eligibility in this program. I have met all the requirements but when I inquired why I could not apply I was told that I still owed XXXX cents to bring my savings progress balance to {$100.00}. After my last complaint to the Bureau, they reduced the savings progress from 100 % on the dashboard to 99 %. 

NOW, the account has more than {$110.00} and I am STILL not able to apply. They withdrew {$18.00} from my account on XXXX XXXX and have been holding it as " pending '' ever since. Normally, deposits are made and posted in less than two days. 

On the dashboard for the account, it says I meet all the requirements to apply for the card. So why can't I?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was given a notice by attorney XXXX XXXX of XXXX, Michigan on behalf of XXXX XXXX that I allegedly owed a debt on a credit card. Once I received this notice I sent letters three times to attorney XXXX asking that the documentation ( I have attached one example of the letter I sent ) regarding these claims be sent to me. He never responded, instead he filed a lawsuit in the local district court against me on behalf of XXXX XXXX ( also attached ). In addition, in that lawsuit he had me named but asked for a judgment against a different person, whom I know nothing about and never heard of that person. Also, when they posted the lawsuit on my door, they caused damage to the door. During this whole process, they continued to harass me, but yet did not provide any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2019 my bank account was closed for no reason at all without sending me a letter or an email not even a call and I never knew the reason why I cant open any new bank accounts in any bank company because of this problem that Iam having Im a victim of identity theft and I dont know why Ive been trying for the past 2 years to open a new account and Ive been trying my best to see what the problem is for I can solve it and get direct deposit and now that Im working I dont have no direct deposit no bank account nothing

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 2023-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have told the bank I have not received the item and that the merchant refused to refund me the amount, the bank has not tried to resolve the issue and the evidence they showed, doesnt show the apartment number on the delivered address. The tracking number shows that it hasnt been delivered as well and USPS doesnt have information on the package, I request CFPB to resolve this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-09
Company: United Recovery Solutions
State: CT
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I keep getting calls and these people keep contacting my family releatives stating they are trying to get a hold of me for a pay day loan I do not owe, I have record of all my loans and these people are scammers. They are very threatening and say they will show up to my home and place of employment and threaten to sue if I do not pay over {$1000.00}. The company name they reference is United Recovery Service, the phone number they keep calling me and my relatives from is XXXX, then they reference a case number. These calls are becoming more and more threatening and they will not let up, tey are harrasing me and my relatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
On XX/XX/2020 I contacted my Capital One credit card company to dispute a transaction I had made. My dispute was made clear to them, it was with " XXXX '' for putting a hold on the transaction amount {$5000.00} that was to be paid to the merchant. The dispute had nothing to do with product purchased or the merchant directly. 

A few day after filing the dispute and fighting with XXXX I was able to get the funds released solving the problem I was having. I immediately called Capital One to notify them I had resolved the dispute. Capital One informed me because of the dispute the item has been credited back to my account temporarily. They informed me of their process and that the merchant would have to reply to the dispute to cancel it. 

I have made an extreme amount of phone calls to Capital One to resolve the issue with them not giving me a direct answer and the problem not solved. I have spoken to all parties involved in my dispute Capital One, XXXX, and Merchant. It is my understanding that the forms for the dispute are being sent to XXXX but XXXX is not forwarding the forms to the Merchant. Capital One has done nothing to resolve that. 

Back to the dispute I actually filed. Capital One should be questioning XXXX why they held the funds from the merchant. The actual dispute should not go to the Merchant because it was XXXX who was the problem. Capital One should ask XXXX were the funds released? To me that would answer and end my actual dispute filed. 

Capital One and XXXX both have very poor communication skills. They both have policies and they conflict each other. 

Currently the dispute is being still pushed on the Merchant. I speak to the Merchant daily and we both have made calls with no resolution. I also would like to add that I have paid the {$5000.00} back to Capital One because I'm a good customer. Capital One has issued a temporary credit of {$5000.00} and reduced my available with this amount which will cause me a negative impact to my credit score. I  owe them nothing they shouldn't have done that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my credit reports there is a closed account with huge amount of missed payments. JPMCB - CARD SERVICE Opened XXXX XXXX, 2017 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB - CARD SERVICE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: AMERISAVE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance mortgage loan with AmeriSave in late XX/XX/2020. I paid a {$500.00} for fee and appraisal. I have repeatedly been requested to submit additional financial info and now have realized that the this company does not use common sense in this pandemic environment and does not want to do the refi.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was recently made aware of multiple attempts to acquire fraudulent accounts in my name. After reviewing my credit files I've found a couple of Unauthorized accounts and several credit inquiries by the perpetrators.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-13
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Apartment Scam-XXXX employs unconscionable practices to exploit Tenants. This is a sophisticated scam to extend the Tenant 's rental term, dramatically double or triple the Tenant 's monthly rent by the use of high pressure sale tactics and written threats by Hunter Warfield to destroy the Tenant 's good credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XXXX Not my account tried getting account removed still remain on credit report .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These following accounts furnished my information without having my written consent and according to the Fair Credit Reporting Act I have the right to privacy. please delete the following accounts from my credit reports immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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: Personal information incorrect

Complaint:
There is incorrect information on 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 non-monetary relief
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purposeXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2013 your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here.

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 2021-03-10
Company: Experian Information Solutions Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXXXXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 explanation
Consumer complaint received 2023-03-17
Company: JPMORGAN CHASE & CO.
State: FL
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:
Please remove all late payment reporting from my credit report. 


In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open ended consumer credit plan a late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Was put into collections by XXXX ( XXXX XXXX XXXX XXXX in Washington State ). 
Paid all arrears in full XX/XX/, no longer delinquent. 
Contacted both XXXX and Trans Union by phone in XXXX to have the collections from my report. 
It has not been removed and is hindering my 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 2017-12-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an account open with XXXX XXXX that was the victim of ATM fraud because something like that takes a long time to investigate and although it was decided in my favor the account was in the interim closed as a negative by mistake with XXXX XXXX  and reported to ChexSystems. When I notified ChexSystems about the fraud they referred me back to see our a management as a wider of that data and not XXXX XXXX  and that I believe is the loophole that they lean on to continue to report in accurate information and not to be in violation with the CFPB or the FCR it act. It is a direct violation of our rights as consumers and should be corrected and the firms fined and sanctioned. What good is the FCRA law of You can simply pass it on to a company with a PO Box and claim they are getting the information from them. That in itself is a violation since they are not getting the information back from the actual source.

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Trans Union LLC Failed to delete XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX from credit profile per attached Identify theft request claim filed on XX/XX/. 

Please see attached.

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 2017-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i have reached out to transunion several times and even send out letters regarding inquiries that they are reporting on my credit report. the last letter i sent i received a blank letter with nothing removed and the following inquires still remains. 
1.XXXX 2.XXXX XXXX 3.XXXX XXXX-XX/XX/XXXX 4.XXXX-XX/XX/XXXX 5.XX/XX/XXXX XXXX Transunion should know that they are reporting not yet proven compliant information. TransUnion has detailed on my credit report. reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA metro 2 reporting regulations, namely that they do not have verifiable proof or permissible purpose and the chicanery led to subterfuge is UNLAWFULLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights. instead of marking dispute on these errors after sending 3 dispute letters instead TransUnion ignored my letter. i informed them that i did not authorize anyone employeed by the companies to make any inquiries and view my credit report. this is a violation of the Fair Credit Reporting AcT section 1681b ( c ) and a serious breach of my privacy rights. i requested that they remove the fraudulent inquiries from my credit report immediately that is maintain under my social security number.

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 2021-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In XX/XX/2020 I received a copy of my credit report from TransUnion, XXXX, and XXXX. I found a number of inaccurate information that was being reported, so I sent them each a request to look into these items. I did not hear back from them, so I sent another letter on XX/XX/2020 and I have not heard back from that one either. At this point, the bureaus are completely ignoring my request.

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 2017-12-19
Company: EQUIFAX, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
checking annual credit reports. Equifax has a negative report ( of {$76.00} ) submitted by XXXX from XXXX. However, XXXX & XXXX do n't have this negative report. 
Went to website https : //www.ai.equifax.com to try to submit a dispute claim. However, the website *does not work*. ( using XXXX on a XXXX XXXX computer ) I 'm stuck & not sure what do to at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: FL
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:
They said the account was removed and its still showing on 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
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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