BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
This is my 3rd complaint regarding a Capital One account that I have repeatedly been told by Corporate Office that all the charges on my account would be investigated. I have NEVER heard back from the Corporate Office via phone like I was promised and I was never given proof of the investigation results and how they came to verify that the charges belonged to me. The Federal Trade Commission clearly states that the creditor must provide " an explanation or written proof of purchase, along with a claimed error or request for clarification. '' I was provided with none of the above. It also states that " The Investigation '' You may withhold payment on the disputed amount ( and related charges ) during the investigation. You must pay any part of the bill not in question, including finance charges on the undisputed amount. 

The creditor may not take any legal or other action to collect the disputed amount and related charges ( including finance charges ) during the investigation. While your account can't be closed or restricted, the disputed amount can be applied against your credit limit. 

The creditor may not threaten your credit rating, report you as delinquent, accelerate your debt, or restrict or close your account because your bill is in dispute or you have used your FCBA rights. However, the creditor may report that you are challenging your bill. In addition, its against federal law for creditors to discriminate against credit applicants who exercise their rights in good faith under the FCBA.  For example, a creditor cant deny you credit just because you've disputed a bill. 

If it turns out that your bill has a mistake, the creditor must explain to you in writing the corrections that will be made to your account. In addition to crediting your account, the creditor must remove all finance charges, late fees, or other charges related to the error. 

If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money.

If the creditor 's investigation determines the bill is correct, you must be told promptly and in writing how much you owe and why. You may ask for copies of relevant documents. At this point, you'll owe the disputed amount, plus any finance charges that accumulated while the amount was in dispute. You also may have to pay the minimum amount you missed paying because of the dispute. 

None of the actions above regarding the disputed charges were done by Capital One and it's Corporate Office. I was NEVER provided any proof that these charges were mine or that the charges were in fact being investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
There is no way to submit a compliment so I am using this form to reach my bank. I want them to know that my TJX Reward credit card that I had for many years was the most fun credit card I have ever had. It was a bright spot in my life and I looked forward to all the coupons that I would get at the end of the month with which I would plan a little shopping spree at my favorite stores. Cash back is no fun... .it just goes somewhere to pay some bill. TJX or Synchrony Bank was also very good to me in little ways. I liked to keep my credit card limit low because if it were ever stolen the person couldn't go too crazy with voluminous spending. This was unlikely to happen because I kept it in a secure RIFD cover and tied it to my clothes instead of my purse which would be impossible for someone to take. Sometimes, however, I would unknowingly get too close to my limit and have to make a payment quickly. They were very kind to process my payment immediately which no other bank could do or was willing to do. 
I just want Synchrony Bank to know that I miss that part of my life and I am grateful for those years that we were together.

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 2018-11-26
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
ONCE AGAIN XXXX XXXX XXXX AND XXXX HAS FAILED TO RE-INSERT MY ACCOUNTS BACK ONTO XXXX. THEREFORE NOTIFY ALL BUREAUS TO DELETE ALL MY ACCOUNTS AT ONCE OR BE SUED IN CLASS ACTION EFFORTS. XXXX  HAS SUPPRESSED MY FILE SINCE XX/XX/2015 VIOLATING THE 15 U.S.C. SECTIONg and you are violating the credit furnishers laws. 

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 2022-09-01
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$6600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: MOHELA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am totally  XXXX . I have been totally  XXXX  since  XXXX . I have been receiving social security  XXXX  since  XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . I provided this information to MOHELA when I went on   XXXX   XXXX    XXXX . I was told that while there was no loan forgiveness for  XXXX  ( I WAS TOLD THERE WAS NO LOAN FORGIVENESS ) that I did qualify for payment adjustments based on income. I provided copies of my social security notification in  XXXX  and was mailed information about income based payments. I have occasional income, but it has never exceeded the amount set by social security. I sent a very comprehensive set of documents to MOHELA in  XXXX . Despite MOHELA knowing of the permanent  XXXX  and having the documents, no one has ever discussed anything other than forbearance. Each time since then that I have discussed adjusting my loans I am advised to fill out forms for forbearance. I have inquired if there are forms that my doctor can provide related to being permanently  XXXX  on at l east two occasion s and I have been told no, but advised of forbearance and sent these forms. Occasions have arisen when I was hospitalized and had hospital bills not covered by insurance. I have inquired about other ways to handle my loan and clarified that I was totally  XXXX , but each time I am instructed about forbearance and am sent forbearance forms. It was not until today that I received any information about forgiveness. It is my understanding that Social Security notified MOHELA of my status and they then sent me forms describing what I required to have the loan forgiven. It appears that I have qualified for this since  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: WELLS FARGO & COMPANY
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The attached document from my XXXX credit report XX/XX/XXXX, shows that I had 2 personal loans with Wells Fargo Bank. These accounts are paid off and in good standing, showing accurate information, which had helped me to build and keep high credit score. The scheduled removal date of these accounts was XXXX. 

However, on XX/XX/XXXX, Wells Fargo had, for no reason or explanation, deleted both accounts from all 3 credit reporting agencies. Why?

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 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Transunion failed to send me evidence of the accounts in question XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX   XXXXXXXX XXXX XXXXXXXX ( duplicate reporting ), XXXX XXXXXXXXXXXX XXXX   XXXX ( duplicate reporting ), XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 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 2018-10-15
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am currently working with XXXX XXXX, XXXX, Realtor from XXXX XXXX XXXX on a short sale on my property. 

On or about XX/XX/2018 her negotiator, XXXX XXXX from XXXX XXXX XXXX prior filed the short sale request and all the documents with Specialized Loan Servicing ( aka XXXX ). XXXX XXXX received a confirmation / acknowledgement e-mail from Specialized Loan Servicing regarding the short sale. The file was assigned to XXXX at Specialized Loan Servicing ( aka XXXX ). 

Although we filed for short sale and Specialized Loan Servicing ( aka XXXX ) acknowledged receipt of such on XX/XX/2018, XXXX XXXX XXXX  for bank/servicer/trustee filed a Motion to Reschedule Foreclosure Sale on XX/XX/2018 and set it for hearing on XX/XX/2018. ( See attached documents ).

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 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
On XX/XX/2023, sent and dispute letter containing several inquiries that were requested from a third party without my permission after car shopping. It has been over 60 days and I've yet to have received a response from Transunion regarding my dispute. Since these inquiries were ran without my permission or prior consent then they should be removed from my credit report expeditiously in addition to Transunion not responding to my dispute within 30 days in accordance with the Fair Credit Reporting Act.

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 2022-01-11
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 Chase bank Closed My business checking Account without warning. I was locked out of my account and could not gain access to it. I called the number that was shown to me on my app and waited to hours to speak with a representative. Only to be told that my account is restricted and that it would be closed in 10 days. I was told that they would not be giving me any explanation as to why this was occurring and that they had the right to close it without notice or explanation. I was told that my buisiness is banned from ever doing any business with chase. I have tried to contact different people at chase and no one will give me an explanation as to what is happening. The account has approximately XXXX $ I had a pending rent payment which was denied by chase and now I have been charged with XXXX $ in fees by my land lord do to the cancelled ach transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been telling my mortgage servicer, XXXX XXXX XXXX ( website : XXXX XXXX XXXX ) that they raised my escrow to the wrong amount since approximately XX/XX/XXXX. My payment went up from around XXXX a month to XXXX a month. I have been asking that they change this every month since I can't afford an extra 50 % on my mortgage. I have been saving up my mortgage payments every month instead of paying them as XXXX has told me my overage on escrow will not be paid back until I am fully current. They have FINALLY realized that they messed up my escrow and are changing my payment back to XXXX, and have stated that I need to pay my full balance of {$6000.00} today, and they will send me back XXXX by the end of the month. I can't make that payment, also this is money that never should have been due to them. I have the XXXX I SHOULD owe them waiting. This has negatively impacted my credit of course, but I'm not going to let them hold my money while I struggle because they messed up my escrow. Yes, they worked off of data they received, however I found out on Saturday ( XX/XX/XXXX ) after calling them for probably the 5th or 6th time on this matter that my report in XX/XX/XXXX or XX/XX/XXXX ( was not tracking this at the time ) was never used to verify my escrow, just a comment that I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
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:
Since XX/XX/XXXX I have been attempting to access an online account through Transunion to be able to freeze/unfreeze my credit report and other tools but I am being told online that my account is locked. I spent over an hour on XX/XX/XXXX, an hour on XX/XX/XXXX, half an hour on XX/XX/XXXX, and about half an hour today ( XX/XX/XXXX ). I was told my account would be fixed but as of today it is still locked. When I spoke to a supervisor today I was told my account is locked permanently and there is no way for them to ever unlock it and if I need help with anything regarding my account I have to call them, which is a huge inconvenience.

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 2017-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Online application was approved and account was opened then before getting the debit card for the account in the mail the bank closed my account. The bank states that since my opening deposit did n't go through they closed my account. They had the option of opening the account without the deposit so I beg to differ for that being the reason. My account was closed onXX/XX/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 2022-09-01
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:
Based on my previous report : XXXX, Equifax stated that they modified certain accounts and verified others. I did not ask them to modify anything. Furthermore, how can you modify or verify any of the accounts if a proper and unbias investigation was not complete. 

And if a proper investigation was complete, I want documented proof of conversations, which by law, should be held with family members, associates etc who know, me personally the consumer. 

If no such proof can be furnished I am now DEMANDING that these accounts be removed : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX  XXXX DP OF EDUC : XXXX, XXXX ( two accounts with different information ) Once again, the laws are clear : 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 : states a consumer reporting agency can not furnish an account without my written instructions & Lastly, 15 U.S.C. 1681i - procedures in case of disputed accuracy also states that if after an reinvestigation an item is found to be inaccurate, incomplete, or can not be verified the consumer reporting agency SHALL PROMPTLY delete that item of information. With the attached recent updates of my credit reports, there are several inconsistencies on my credit report that show a proper investigation was not conducted. And for the mere fact that I do have the right to privacy and there is no proof of written consent from me the consumer to have these accounts published. Shows blatant violation to my rights based on the FCRA. 

Thus far, I have listed three laws that were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Nelnet, Inc.
State: NJ
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 reviewed my Consumer Reports and noticed that my date on delinquency is incorrect and it been more than 7 years on my Credit Report. Re-aging my account is illegal and this needs to be corrected as soon as possible. I tried resolving this issue with Nelnet and I haven't get any response and issue was never resolved.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. : Furnisher : Nelnet Account Name : XXXX XXXX Account Number Ending # : XXXX and XXXX and XXXX and XXXX Please investigate and provide Proof with statements showing the accurate date of delinquency. If proof can't be provided I demand these to be updated to the correct date as they should be. Re-aging any account is illegal against the law. causing me damages to my Credit Report. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Experian failed to send me evidence of the accounts in question XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX ( duplicate reporting ) XXXX XXXXXXXX, XXXX XXXXXXXX ( duplicate reporting ), XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX 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