BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-01
Company: Experian Information Solutions Inc.
State: TX
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 sent a letter to the bureaus about some items on my credit report on the 3rd week of XXXX that I don't recognize and I wanted to validate if they were mine. I haven't gotten a response from them after 30 days so I sent them more letters to give them a chance to get back to me and verify the information they put on my report or else they would have to delete it. I take my credit seriously and it has a huge impact on me and according to the FCRA their failure to respond to my disputes is a violation of my 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 2021-09-06
Company: EQUIFAX, INC.
State: IA
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 sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, this is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
1. AMERICAN EXPRESS LOAN - FINAL PAYMENT {$2000.00} ON XX/XX/2019 AMERICAN EXPRESS CARD SERVICES - FINAL PAYMENT {$6800.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently received a letter from Experian in regards to the complaint I filed via the CFPB about their dispute process that contains many errors. I clearly stated the errors and exactly how I would like each item resolved ; they continue to allow accounts to report in error, a clear violation of my rights. On page 2 of 28 dated XX/XX/2019 ( will add the report number later ), they stated they contacted the company reporting the information I disputed, and instructed them to review the information provided to verify the accuracy of the information ; failing to conduct an independent investigation and allowing these companies to update their records in accordance with what was provided to be able to verify at a later date ; another violation of my rights. I also clearly stated to provide verification, and all they provided were phone numbers ; failing to accurately verify and provide verification via an original instrument of indebtedness in its original form, a consumer contract with my signature on it ; another violation of my rights. Lastly, I clearly stated to remove all non account holding inquiries or provide permissible purpose ; they have failed to provide either ; another violation of my rights. I understand this entity is a for profit business so they cater to their customers, the alleged furnishers in order to keep credit scores lower to conduct business with predatory lenders for obvious reasons, but we must hold entities like Experian accountable to be in accordance with Federal Law ; not all accounts must be reported, but of those that are, they must be 100 % accurate and 100 % verifiable or they must be 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 non-monetary relief
Consumer complaint received 2021-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
See attached documentation. 

On XX/XX/XXXX, I made an electronic payment directly from my Capital One business checking account to my Capital One Business Mastercard in the amout of {$1000.00}. 

On XX/XX/XXXX, Capital One withdrew an additional {$1000.00} electronically and made a payment through my bill pay to a Capital One Visa card ending in numbers # XXXX. I DO NOT HAVE A VISA CARD AND I DO NOT HAVE A VISA CARD ENDING IN # XXXX. See attached documentation. 

I called Capital One on several occassions to advise them what happened and they told me that the Visa ending in # XXXX was an authorized card which was added to my business account back in XXXX. As explained to these XXXX, I didn't own a XXXX  back in XXXX nor did I have a Capital One Visa card. They added this Visa Account to my bill pay and paid off someone elses bill with my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: MD
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:
Based on race XXXX XXXX, age and gender, Experian has segerated my consumer credit report to what they referred to as an special department and refused to allow me to dispute inaccurate fraudulent activity and obtain information regarding the consumer credit file via telephone. I brought this illegal practice of preveting certain American from obtaining information via telephone several years ago via multiple complaint filed with CFPB against Experian and to date you have refuse to provide the consumers protection from this abusive practive especailly during COVID-19, a consumer should be able to immediately dispute fraudelent activities. I had made several attempts to report inaccurate information and fradulently activity to Experian, each time after being transferred multiple times and placed on hold for over and hour I am either disconnected or transferred to an voice mail. To date experian has refused to allow me to dispute fradulent activity and inaccurate information contain in the consumer file.

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 2020-07-30
Company: AMERICAN EXPRESS COMPANY
State: RI
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday, XX/XX/2021, I inquired about opening a Chase First Checking account for my XXXX-year-old daughter. I was told I needed to have a Chase account for myself in order for me to get her account. I opened a chase account ( XXXX ) for myself as part of the steps taken needed. I wrote a check ( # XXXX ) for {$550.00} from my XXXX XXXX XXXX  account to open this new account for myself. 

A few days later I opened up the Chase First Checking account for my daughter on the Chase app. A few days after that, I noticed her account was no longer accessible. On XX/XX/2021, I called to get details on what happened. I was told to call XXXX, option number one. I called this number on the same day, XX/XX/2021, at XXXX and the call lasted for approximately twenty minutes. 

This is when I was told the check I wrote from my XXXX XXXX XXXX  account hadn't been cleared and that the representative made the decision to close my account because she contacted XXXX XXXX XXXX  ( XXXX ) and claimed that XXXX said that check number XXXX, written eleven days prior to the call, would not clear because of lack of funds. 

I contacted XXXX  because I knew the Chase representative was absolutely wrong and did not do her job properly. XXXX told me that check had already cleared and that it was on Chase 's end. This Chase representative gave me false information on why the account was closed. I need transparency and need to know the reason for the account closure. 

I strongly suggest Chase listen to the recorded call that occurred on XX/XX/2021 at XXXX that lasted for twenty minutes. The representative does not know how to do her job, asks questions but does not listen, and should not deal with the public. 

Although, I don't open checking accounts often, I have never had issues with opening, closing, or maintaining my accounts. I am not sure how this looks to XXXX  when a bank closes an account on a customer. The closure was absolutely not my fault. 

Please review my XXXX  documents and the communication between myself and XXXX  that shows the dishonesty of the Chase representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: UNIFOUR FINANCIAL SERVICES, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
... I have been seriously injured and I ca n't afford to make but half of the payment I 've tried to work with them and all they do is threat to take my car Im XXXX and I financed a car through unifor finance been a lolyal customer I 've made every payment for 7 months {$470.00} until I was taken out of work plus the down payment of {$500.00} if they want to give back all money so I can get a car I have to have a car for Dr appt and grocery store, pharmacy its illegal to treat XXXX people this way

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AR
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:
CEASE AND DESIST PULLING PROMO INQUIRIES I AM AN EXISTING CUSTOMER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I was charged double Over Draft Fees of XXXX each. Due to my account being over drawn over night on XX/XX/XXXX. This over draw was wrong because PNC processes my transactions on a unfavtual order to make me over draft before coming current. 

Due to those over draft fees my processing than made a XXXX  cash deposit on XX/XX/XXXX come up short. 

On XX/XX/XXXX I made 2 {$1000.00} withdrawals to XXXX XXXX based on that {$2000.00} cash deposit I made. On XX/XX/XXXX those two withdrawals to XXXX XXXX were also registered as an over draft when everything processed. 

On XX/XX/XXXX I was then given 2 reversals for the XXXX XXXX transactions and then 2 more overdraft fees of {$36.00} each. 

This due to poor processing and lack of fluidity and communication I have been charged {$140.00} in over draft over 3 days. Wrongfully. 

Furthermore I have contacted PNC Bank several times to block over drafting transactions with my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: HW Holding, Inc
State: TX
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:
XXXX  Credit Report XXXX XXXX Credit Report I have sent 6 letters outlining there failure to abide by the FCRA and demand deletion of these accounts immediately. I have show previously on my credit report that they are violating my rights. There are 2 different dates and information for a collection with XXXX XXXX on my report. So how can it come back as investigated and verified as factual. My documents prove that the credit bureau did not do a competent investigation of the information when the dispute was assigned. I have also asked for validation and verification previously and never been provided service. Even though I supplied documentation that proved this account is inaccurate they have failed to recognize this and supposedly " verified '' the accounts as accurate. This is a violation of the FCRA which require them to complete a reasonable investigation, which was obviously not done in this situation. I have included all previous disputes to show pattern. 

I have also attached Credit Reports from XX/XX/XXXX and XX/XX/XXXX and Results of investigation with experian which show that reports are still not consistent and showing incorrect information. 

to show XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Last Activity XXXX Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX -XXXX  XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX -Hunter Warfield High Credit Balance incorrect Reporting Credit Balance on Report XXXX High Reporting Balance XXXX High Balance should be equal to or more than Balance. This is a violation of FCRA. 











I mailed letters on Dates XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XX/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 2018-03-26
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern : I have been dealing with Financial Credit Network ( FCN ) for several months now. This is in regards to ( 2 ) accounts with them -- XXXX and XXXX. Please be advised I have MUCH documentation if requested. When I first received collection notices, I immediately disputed the attempted debts as 1- I had no knowledge of the presumed debt ; 2- the presumed debt did not belong to me ; 3- I did not agree to either of these presumed debts. I asked for ALL documentation listed above. I have sent ( 3 ) certified letters regarding each listed account. FCN says they have confirmed the debt, but has yet to show me ANY of the information I listed above. THEY HAVE NOT PROVIDED ANYTHING WITH MY NAME. Not one document. NOT one document stating that I had knowledge of the debt. NOT one document stating that the debt belongs to me. NOT one document showing that I agreed to this debt. They are unable to provide this documentation because it does not exist. The debt does NOT belong to me. I did NOT agree to this debt. I am NOT responsible for this debt. 
On a letter dated XX/XX/2018, FCN wrote " they confirmed when XXXX went in for services you told them your insurance would be paying. '' First off, I have NEVER spoken with anyone at that office. And secondly, when does " you told them '' count as proof even if it was true. The letter also states " Unless our office received supporting detailed documentation from you providing you not responsible for these charges, we will consider all these issues addressed. '' This is illegal. The burden is on them to provide PROOF that I had knowledge of, the debt is mine and I agreed to this debt. Again, they provided NONE of that information. And now they want me to provide detailed proof the debt is not mine. I sent proof ( 3 ) times in the form of disputes asking for ANYTHING that proves the debt is indeed mine. 
They have violated my rights, several times now by continuing to collect on debts that they have FAILED to show that I am liable for. They claim they have sent documentation, but the few papers they have provided, DO NOT SHOW MY NAME OR INFORMATION ANYWHERE. They have called me when I sent a cease and desist letter. I have spent time and money sending repeated letters that have yet to yield ANYTHING with MY name on it at all. They have threatened me with negative credit reporting. They have placed the burden of proof on me, yet they are a collection agency. 
I am looking for action. I am looking for immediate resolution in this mater. The resolution I am seeking is that this matter is dropped ( obviously ). I am looking that FCN is held accountable for their uncompliance with the FTC/FDCPA. 
Please let me know you need any correspondence I have received and/ or sent. 
Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent you a letter regarding inaccurate things on my credit report but I until this day over 30 days already, I still got no response. I was told that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by XXXX  data breach and may got into hands of the wrong person and its your obligation to fix all these errors that should not have been there in the first place.

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 2018-03-26
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
A short while after opening the XXXX account, I called ( unfortunately I didn't write down the female 's name or the date ). I did not understand how the payments posted if you have delayed interest along with regular purchases, so I called for an explanation so I would not have to pay the interest in the special financing purchase.. What I was told after calling on XX/XX/28 and speaking with XXXX regarding the interest of {$350.00} posting to the account and what I was told previously did not match. I know that some representatives explain information different/incorrectly at times, but if they sound confident, like the representative I spoke with on the first call, I usually don't make a second call to verify information.

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 2021-09-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent you a letter regarding inaccurate things on my credit report but I until this day over 30 days already, I still got no response. I was told that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors that should not have been there in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: American Financial Network Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The lender paid my property taxes late, and this resulted in an overpayment to XXXX XXXX County, VA. By the time the lender had paid, the delinquent amount had been paid by my closing company for a refinance. The County confirmed they had sent two checks ( returning the funds sent by AFN/XXXX ) to AFN/XXXX on XXXX XXXX and XXXX XXXX for {$54.00} and {$5000.00} respectively. I have repeatedly contacted AFN since mid-XXXX, with the most recent attempt on XXXX XXXX XXXX. They refuse to refund the returned amount stating they do not have a record of receiving it. My account with them is closed ( effective XXXX XX/XX/XXXX when the settlement company paid the loan off for the re-fi ) since my re-fi is final ; and I have received the balance of my escrow ( minus the amounts above ). I have given AFN/XXXX  the check numbers ( # XXXX - {$5000.00} ; # XXXX {$54.00} ), the county returned along with the dates and amounts. AFN refuses to refund the {$5100.00}. 

Lender : American Financial Network XXXX XXXX XXXX XXXX, NJ XXXX Loan # XXXX Customer Service : XXXX https : //afncorp.loanadministration.com Homeowner and Property address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation