BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
The Office of the XXXX XXXX XXXX XXXX XXXX. XXXX XXXX http : //www.belvoir.army.mil/osja/ ) referred me to your office for help regarding the following situation. 

Capital one is manually charging my credit card account for products I do not have, and services I did not receive. The merchant XXXX XXXX has their products, and did not provide any services. 

So far the bank have manually charged the credit card account {$2300.00}. The dates of the manually transactions are XXXX XXXX, XXXX XXXX, and XXXX XXXX. Every time I called the bank for the past weeks regarding these transactions, I was placed on hold and was transferred between the fraud and disputes departments for almost an hour with no one able to help. Every time each department gave me the following information. 

The dispute department said that the manual charges dont make sense and there are no notes or reasons on the account regarding these charges. But there is nothing they can do at this time so I need to talk to the fraud department. Consequently, they transferred me to the fraud department. 

Then the fraud department told me that they dont understand what is going on with the account and that they dont see any reasons for the manually charges. But, the only person that can help me is not available they will have that person call me soon. 

Every time it is the same process and explanations. 

Last time I talked to a representative that identified himself as XXXX XXXX on XXXX XXXX, XXXX at the fraud department, he told me that the name of the representative that was manually charging my account was XXXX XXXX, and that he sent her an email to contact me regarding the manual transactions on the account. Unfortunately, it has been days and weeks and I have not received any correspondences or phone call from Capital One about those charges. 

As an XXXX XXXX XXXX of the XXXX XXXX XXXXy, I work hard every day proudly serving my country. Sometimes I dont see my kids for days. I do not have money to give out for free, and I do not have the time or resources to resolve this issue on my own. 

So please help me. 

Thank you so much for your help, your expertise, and understanding in helping me to get my hard-earned money back. 

Thanks and Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: LCO Financial Services, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
On XX/XX/19 XXXX was taken out of my account after I had filled the payment amount I owed to the company.

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 2020-12-14
Company: Experian Information Solutions 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:
I currently have a chapter XXXX bankruptcy listed on my credit report. I have submitted a request for a letter for a method of verification for reporting such bankruptcy on my credit to two of the reporting agencies, Experian and XXXX. I have sent three letters, on three separate occasions to both credit reporting agencies asking for the following information : a ) The name of the Courthouse, b ) The person 's name who verified the dispute, c ) The address, d ) The telephone number, e ) The documentation used to verify the original dispute. My initial request for information was sent on XX/XX/2020, 2nd request was sent on XX/XX/2020 and my final letter was sent on XX/XX/2020. To date I have not received any correspondence from these agencies relating to my initial request for method of verification. It would be greatly appreciated if I were able to get this matter resolved as soon as possible.

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 2021-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
TransUnion 's consumer reporting agency has assumed a vital role in assembling and evaluating my consumer credit and other information pertaining to my consumer report. With that being said, TransUnion 's consumer reporting agency is furnishing my consumer report with unauthorized inquiries and accounts. Not only did I not use my social security card to authorize these consumer credit transactions but more importantly these items are in violation of several Fair Credit Reporting Act laws that protect my consumer rights.

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 2023-02-03
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX off XX/XX/2016 misinformation on all three-credit reporting in which the account sent to two other collection agencies, and four the past six years paying repair companies and reinvestigations. on and about i called XXXX XXXX XXXX and was forwarded to another collection company in XXXX  and was paid in full, Experian shows thansfer XXXX and XXXX shows Charged off with different dates. 

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 my consumer to any. Consumer reporting agency 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 explanation
Consumer complaint received 2019-11-07
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Issues with Midland Credit Management : 1. They call when told not to during work hours - repeatedly. 

2. Call several times a day and every day. 

Wife 's phone : XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX My phone : XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX Total for 4 days : 24 phone calls 3. They left intimidating / harassing voicemail. Attached the voicemail to this complaint. 

4. Sometimes when they call, they call with their phone number blocked - verified in person. 

5. They lied about my wife 's financial situation - they told me that she only had this one bill that was in collections, that I should help her out when it reality she already had one in collection, this is her second one, that they had looked at her credit report. 

Midland Credit Management called on XXXX XX/XX/2019 on my XXXX year old daughter 's phone line with their number blocked. So I gave them my number and told them not to call my daughter 's line since she is a minor under the age of 13. 

On XXXX XX/XX/2019 spoke for 23 minutes to first a woman, then a guy, the guy wanted me to assume my wife 's debt, I told them that it was my wife 's debt, and that I wasn't going to assume her debt but that I would check into it and not to call back, that I would contact them once I found out what is going on ( I wasn't aware of this situation with my wife ). He got really pushy in general, and said that they might sue my wife, etc and I told him again not to contact me or my wife any more and he said that I couldn't tell him not to contact my wife, and that that he could contact my wife - yet my wife 's phone is on my phone plan so it technically it is my phone line since she doesn't have her own. 

They have been calling my wife as work, she told them the first time on XXXX XX/XX/2019 that she couldn't take calls at work, and they called her again ( with the number blocked ) on XXXX XX/XX/2019 and she answered it, and told them again that her place of employment does not allow personal phone calls during work hours. Again today they called my wife at work with their number not blocked and she didn't answer it. Midland Credit Management has been harassing my wife at her place of business when they know she can't be on the phone during her work hours. 

Midland Credit Management also has been calling my phone number, up to 4 times a day even though it isn't my debt, but my wife 's debt. Also they left a voicemail with basically a heavy breath which is harassment ( I still have that on my voicemail ). They have called me 12 times in the last 4 days. 

Midland Credit Management has not provided any correspondence via USPS mail validating the debt, the first contact with them was the phone call on XXXX XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 non-monetary relief
Consumer complaint received 2017-12-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Believe it or not, CFPB helped me resolve issues regarding JP Morgan Chase two years or so past. I had confirmed with the then branch manager that there was a XXXX balance as I closed each account. However, later, Chase hit me with fees on two accounts -- after CFPB intervened and Chase closed out my accounts with XXXX  balances. Once I swiped with XXXX XXXX XX/XX/2017, XXXX XXXX ACH or sent my {$640.00} to a closed account at Chase, rather than to my XXXX XXXX XXXX  account opened with XXXX XXXX. Each time I provided emails with letters confirming no ACH deposit had come in from XXXX XXXX to either Chase or XXXX XXXX, XXXX XXXX made other excuses such as precise wording from the branch managers. Chase 's branch manager checked and found nothing just as XXXX XXXX XXXX 's manager. 
Today, XX/XX/2017, I got lucky. A really concerned XXXX XXXX rep. assisted me with an email with Chase 's ACH contact phone number and instructions on who to ask for. Well, the first phone number of XXXX was a robot. The second number of XXXX was to Chase 's dept. of ACH on closed account. XXXX XXXX, XXXX answered but refused allowing me to speak directly to the ACH dept. She proudly said my {$640.00} had been split between two closed accounts ending XXXX on XX/XX/2017 and XXXX. She victoriously said {$350.00} applied to XXXX and {$290.00} applied to XXXX. It was futile explaining Chase was in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I attempted to get a personal loan due to the fact that, XXXX XXXX sent some solicitations to obtain a personal loan. I received a few solicitations and I should pick the best one to use for my personal loan. Applying for the loan, a credit check would take place to check your status, A SOFT PULL that basically will not hurt your credit. All the companies stated the same message that is a soft pull and will not affect the credit. Doing that checking with a couple companies without giving any authorization for a HARD PULL. few companies ran my credit to compete for my business and it looks from my credit report, they have ran a hard pull inquires 13 times and this in turn dropped my credit by almost 80 points. Now I am trying to refinance and dropping my credit score to a point below the 600 score put me in a very awkward position. Now I never consented to a hard pull inquires and definitely not to 13 inquires. Please I need your help with this situation. This situation is ruining my chances to refinance and causing me a very distressful position. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Someone has stolen my identity I believe from a data breach with XXXX  I was apart of or when my purse was stolen 9 years ago with my ID and social inside of it. I contacted the XXXX XXXX Metro Police Dept and filed a report 2 months ago and also filed an identity theft report as well. I contacted all 3 major bureaus and filed a dispute as well and nothing has been done. I should not be held liable for these accounts that I did not open or authorize.

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 2019-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2018-04-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A cashier 's check from XXXX XXXX XXXX for an amount of {$2900.00} was deposited to my account on XX/XX/XXXX. The funds were not available until XX/XX/XXXX at which point I made a transaction based on the availability of the funds and with confidence that Wells Fargo had ensured that the check was valid. I repaid an amount of {$1600.00} for the original senders use on XX/XX/XXXX via a XXXX XXXX money transfer. On XX/XX/XXXX the deposited amount ( {$2900.00} ) appeared as DEPOSITED ITEM RETN UNPAID, and upon further investigation by the Wells Fargo fraud department, the check was declared fraudulent and I was declared a victim of fraud. Wells Fargo is holding me liable, and requests I reimburse the negative balance on my account that is due to the fraudulent check being deposited and subsequently returned.

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 2019-10-01
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to request your help. I tried to solve this matter with Grant & Weber in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me. As of today they have failed to provide me with the proof I have lawfully requested. This account with fraud charges being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : Grant and Weber XXXX. Opened date : XX/XX/XXXX. Limit : {$500.00}. Status : closed. Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.

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 2021-04-12
Company: Experian Information Solutions Inc.
State: NC
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 the account on my credit report from XXXX XXXX XXXX. I was not notified from Experian or XXXX XXXX XXXX before this account was placed 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 explanation
Consumer complaint received 2019-03-09
Company: Thaxton Investment Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have handed a letter to each loan company I am complaining about not to contact me at work because the fair credit act says if I do so they are not to contact me at work. I have 2 companies that do not follow this and also will call my home several times a day sometimes within minutes of calling. They will also show up at my home without noticed. I need all this to stop. The will even call my family members if the don't talk to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Caliber Home Loans, Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was in the process of refi, and my rep with cailber home loans and i filled all paperwork out and was approved. My rep informed me to not send my monthly payment in, as with the new closing we would have a few months till we needed to pay. We never missed a payment til this happened but my rep either quit or got fired, and a new rep texted me a few weeks later saying the refi was in default as my previous rep didnt complete his end. He said i need to pay that last month as again it didnt fully go through. This now made my payment seem late even though the rep informed me not to pay it. I was now expected to make two morgage payments on the same week, which i informed them i couldnt pay XXXX in one week as we also had a death in the family. I then recieve a letter that we were denied bc my credit was hit with a late payment and it knocked my credit by 52pts. I fully caught up and paid all to get current. But my credit was hit due to bad advise from a company/rep we trusted. Its our first house and we are unaware of how this all works its making us second guess our decision to buy the house and work with a company that hasnt even stated they were sorry for what happened. They said i can wait til my credit comes back up, which will take a long time ... .i would appreicate if i can get my credit back to what is was so we can just refi with another company. We have never felt so left, and no solution. Im hoping this site can help us with this odd situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
For a while now, since XX/XX/2016, I haven't had a updated credit report. I'm XXXX years old trying to make a life for myself and can't do that because of the outdated 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 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  XXXX XXXX - ACT # XXXX {$0.00} -- - {$500.00} -- -- - {$810.00} Opened XX/XX/17 This Item does not belong to me and I have tried disputing it with the credit bureaus and that have determined that it is my debt. This account was open fraudulently and is not mine. I have filed all police reports and ID theft.gov reports as well and submitted all to the bureaus.

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