BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Wakefield and Associates has violated my rights according to 15 U.S.C 1692g-validation of debt. I sent my dispute letter requesting debt validation for account # XXXX and account # XXXX thru XXXX certified mail XX/XX/2022 tracking # XXXX it was delivered XX/XX/2022. I did not receive any return mail within 5 business days to let me know they received my request for debt validation and are investigating the matter or any documents to verify the debt. which is a clear violation according to 15 U.S.C 1692g ( a ) notice of debt contents and is grounds for removal. Also it appears to be reporting the same accounts twice and due to the non-response i do not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My credit report on XXXX shows that Capitol One has been making credit inquiries to my credit at a rate of 5-6 inquiries per month since XX/XX/2021. Today I called Capital One, the Banking side and the Credit Card side, and both said that they have no records of making these inquiries and that no accounts have been open under my social # ( except for the one credit card that I am already aware of ). Capitol One said that there was nothing they can do about why my credit report shows that Capitol One has been making 5-6 inquiries per month for a year now to my credit. I think something wrong is happening if Capitol One is not making these excessive inquiries then who is?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Chime Financial Inc
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
I was charged {$130.00} by XXXX  on Friday XX/XX/XXXX, without my permission. XXXX  admitted to the error but they have been dragging their feet. My cardholder chime ( the XXXX XXXX  ) has twice denied my claim that this charge was fraudulent, and I continue without my funds, even after submitting evidence that my charges were fraudulent. 

I am a single father with full custody, and this has put me in a great financial bind. Im afraid all this complaining will cause Chime to retaliate by deactivating my account, causing me to lose my money for good. I have enclosed a chat with XXXX  admitting to taking the money, as well as Chime refusing my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: GA
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:
I have on several occasions I have tried to dispute inaccurate information on my credit with Equifax all to be told every day they are experiencing technical issues with their dispute process. None of the other credit bureaus would have allowed these issues. 
I have mailed documents certified mail and they have told me they have not received the information. At this point, I feel as though they are doing this on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: MN
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:
my personal information is incorrect with so many variations of my name that does not belong to me.

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 2022-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with customer service

Complaint:
A credit card was opened in my name fraudulently when I called Bank of America to check on the account and cancel the card I was transferred and placed on hold multiple times each time I was connected after being transferred I was told that I was contacting the wrong department.

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 2021-04-08
Company: PulteGroup, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We consulted with Pulte Mortgage for a rate. Pulte offered us a rate lock of 2.875 % with 1 % in points on XX/XX/21. We agreed to this, until we shopped around and received an offer of 2.75 % with XX/XX/XXXXpoints from a competitor on XX/XX/21. Upon receiving that better offer we sent the competitors Loan Estimate to Pulte Mortgage in which they responded they would do a rate lock of 2.75 % with 1.5 % in points because they give us {$7500.00} off purchase price. After pointing out that even with giving us the {$7500.00} they still did not beat the competitor we received an email with a new Loan Estimate from Pulte Mortgage on XX/XX/21. In this new Loan Estimate Pulte Mortgage gave us what we were asking for and believe was fair, a rate lock of 2.75 % with XX/XX/XXXX points. We signed this Loan Estimate with that rate lock and sent it in. A couple days later on XX/XX/21 we received a phone call saying that there was a computer error and they refused to honor the legal document they sent out and we signed. We could not talk that night and so we finally talked the next day on XX/XX/21. That day they stated that they were not only going to not honor what we signed anymore, but they were going to terminate our loan paperwork that we had sent in already and start completely new. We said no we did not want them to do that and requested to speak to his boss. The next day on XX/XX/21 we went to sign into our mortgage website with them and all of our documents were completely deleted and wiped out of the system. The boss of our mortgage lender then called us that day and confirmed they were refusing to make good on the deal they had sent out and we had signed already. She stated they would only offer a deal that still had us paying for points, which not only was not the Loan Estimate that we signed and sent in, but it was not even beating the competitor anymore. We feel that this was unjust and purposefully deceptive. We believe they deliberately underestimated the terms of the Loan Estimate to have us finally sign the paperwork, as we had never signed previous to the 2.75 % with XXXX points. We feel they mislead us by a bait and switch tactic in claiming there was a computer error that they refused to honor after we signed. You can see the 2.75 % with XXXX points listed on multiple documents that we signed as attached and then the phone recordings we have once they refused to honor it.

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 2022-08-16
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 submitted a dispute on XX/XX/XXXX to CFPB against the company XXXX XXXX In my complaint I advised for XXXX XXXX to investigate to why they are still reporting over 7 years account on my credit file and they responded on XX/XX/XXXX that they can't located the account number ending in XXXX and account ending in XXXX that is being reported on my credit file. these account are not mine and I don't have any knowledge of opening these accounts. I will like proof of payments and the company failed to provide payment history for XXXX and XXXX. Please reinvestigate this account due to violation of statue of limitation FCRA and delete/remove immediately Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Yes I already talked to someone which took XXXX hours to even get XXXX of someone but the lady said I would get reinvested my {$400.00} that got took out of my account some how when I had my card on me at all times was at work when it happened from a XXXX account bill payment when I don't even own a XXXX  and only got XXXX $ back 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 monetary relief
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
my personal information is incorrect with so many variations of my name that does not belong to me.

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 2022-08-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I just found out that a company by the name of card security had charged my account over XXXX dollars worth of fees for some type of balance protection. I never signed up for this service. 
Apparently they're saying that I agreed to pay for this when I signed up for my credit card account online which I'm pretty sure I did not. 
Since my account is paperless and I have it on auto pay I never felt like I needed to look at my statement. I have called the company twice and I keep being told that they're gon na escalate my case and no one ever gets back in touch with me.

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 monetary relief
Consumer complaint received 2022-08-16
Company: NAVY FEDERAL CREDIT UNION
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:
NAVY FEDERAL CR UNION Balance updated Date : XX/XX/2022 This account should be removed completely from my Credit Report...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. To this date, 90 days later, I have not received a response yet. I feel like my disputes are being neglected and taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 90 days and I am demanding these accounts are deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
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:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
Experian and XXXX are reporting different dates one reporting closed date in XXXX XXXX the other report ing XXXX XXXX as well as fruad last payment date I want this I want this deleted

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 2017-06-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, yesterday I changed my quickpay  with chase and had my sister send it to my second bank account with chase .My sister sent an {$100.00} quickpay to chase, and the default account did not change .I went to  the bank and they can see it had been changed on my end in their system, but when I call the  XXXX  number they ca n't see that change and the second account I had with them is in the Negative so I could not just transfer the money .They said it is nothing they could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Experian Information Solutions Inc.
State: GA
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 mailed in several letters to experian and asked for signed documentation and verification of accounts reporting on my credit report and i have yet to receive anything from them i also asked for method of validation and proof of debt and no response in 30 days.

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 2023-08-14
Company: College Ave Student Loan Servicing, LLC
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:
On XX/XX/2023, UAS/CollegeAve student loans wrote off and closed an account with student loans worth {$10000.00}. This was unbeknownst to me for several months till I had to file for a loan and got rejected a few weeks ago. Upon reviewing my credit report I noticed a write off from CollegeAve student loans. This is a loan for which I am a co-signer. 

The loan was put on a disbursed schedule during the pandemic and CollegeAve had never informed me when the disbursement had ended. Furthermore CollegeAve had never informed me and I had never received either through email or mail that the loan was about to be written off. 

This write off has destroyed my credit score that I have worked so hard to build. I had the means to pay for it all this time but CollegeAve had never given me the opportunity to do so but rather sent it to write off without any notification whatsoever. I believe that that is a violation of consumer protection law and thus I appeal that this write off be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I applied for an American Express Hilton Honors credit card. The application stated the apr can range from 15.74 to 25.74 based on your credit report and credit worthiness. I got approved with an apt of 22.74 which is outrageous, I was sent a letter stating they used my XXXX  credit report. I pulled my XXXX  report there were no inquiries from American Express. My credit score is XXXX which ranks as excellent, I only have 3 open lines of credit which have excellent payment histories no collections in fact I pay extra on each card each day so Im considered credit worthy. I tried to talk with several people at American Express I was not given a explanation for the high apr rate I need to know exactly how apr was determined since my credit report was not used I feel like I was unfairly treated when applying for this card. I declined the card and had them cancel the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, 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:
IN ACCORDANCE AND PURSUANT TO THE FEDERAL CREDIT REPORTING ACT 15 USC 1681 SECTION 602 ( H ) - I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 ( A ) ( 2 ) - A CONSUMER REPORTING AGENCY MAY NOT FURNISH MY INFORMATION WITHOUT WRITTEN CONSENT.

15 U.S.C. 1681 ( B ) PERMISSIBLE PERMISSION TO USE INVOLVING A CREDIT TRANSACTION IN ACCORDANCE TO THE CONSUMER BY WRITTEN CONSENT XXXX, EQUIFAX, AND XXXX HAVE VIOLATED MY RIGHTS BY FURNISHING THE FOLLOWING ACCOUNTS. 

XXXX XXXX XXXX - XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX - XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX ORIGINAL CREDITOR : XXXX XXXXXXXX XXXX  XXXX XXXX. 

XXXX XXXX XXXX$220.00} CLOSED 71 POTENTIALLY NEGATIVE MONTHS XXXX  XXXX XXXX CLOSED XXXX LATE PAYMENT XXXX {$0.00} CLOSED XXXX POTENTIALLY NEGATIVE MONTHS XXXX {$0.00} CLOSED XXXX POTENTIALLY NEGATIVE MONTHS XXXX  {$0.00} CLOSED RESOURCE XXXX XXXX - XXXX XXXX XXXX XXXX XXXX According to The Ninth Circuit, in Pintos v. XXXX XXXX Association ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX it decided that without a permissible purpose one is in violation of 15 U.S.C. Section 1681b. Based on this decision, it appears that your agency is in violation of furnishing a copy of my credit report to the below companies. 
As the court interpreted and based on has been done in my case, FACTA clearly states that one only has a permissible purpose for obtaining a credit report under US 1681b ( a ) ( 3 ) ( A ) and when it is only in connection to a credit transaction in which a consumer has participated directly and voluntarily. I DID NOT DIRECTLY AND VOLUNTARILY SEEK CREDIT WITH THE FOLLOWING COMPANIES and they DID NOT HAVE A PERMISSIBLE PURPOSE XXXX XXXX  REPORTERS XXXX XXXX  MORTGAGE REPORTERS XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEALERS, XXXX XXXX  XXXX XXXX XXXX XXXX COMPANIES All Rights Reserved Without Prejudice XXXX XXXXXXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions Inc.
State: NY
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:
im a victim of identity theft someone got hold of my XXXX credit card and used it which I did contact the company right away but for some reason they want me to still pay for something Im not responsible for.

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