BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was told I had a balance transfer offer after I inquired. However, the date had past and no balance transfer offer expiration date has ever been included in my billing statement. When I reached out to the company they said I could only view the date if I went into the app and viewed the offer while it was active. When I asked where in my statement the expiration date was I was told they can not view my statements, their is nowhere to view my agreement online, that it should have been mailed ( I opted into digital communication ), and that I should fax or write a letter to them about my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX, NMLS # XXXX called my wife-and then me-to ask us if we wanted to refinance our mortgage. Claims he works for XXXX Bank. However, the consumer access web site for the National Mortgage Licensing System ( NMLS ) shows that his status is inactive and that he last worked for Guaranteed Rate , Inc. 
Seems that if his license is not in active status he should not be taking an application for a mortgage. 
His phone numbers are : ( w ) XXXX and ( cell ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom it may concern, i have submitted the bureaus to remove the following information on the dates listed ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and along with last sent on XX/XX/XXXX. i have yet to receive any details from all XXXX bureaus on status on these accounts below. it is effecting me an moving forward in purchasing a home. 


Creditor : XXXX XXXX XXXX XXXXReason : The 7 -year reporting period has expired on this account, Please remove XXXX EXPIRED XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXReason : This is being reported twice, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove immediately Creditor : XXXX XXXX XXXX XXXX XXXX XXXXReason : I need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. No proof? Then you can not report Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXReason : This Account is not mine, Creditor does not own debt Remove from my account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Afni {$400.00}. This account is an result of identity theft. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: WELLS FARGO & COMPANY
State: KS
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:
Last XX/XX/XXXX I attempted to Deposit a {$1000.00} to my checking account at my local bank here in XXXX Kansas, XXXX. I was shocked to be told that they account has been closed. 

Also at the same bank, the XXXX, and XXXX XXXX XXXX XXXX reported to me that my XXXX Refund of {$2800.00} was sent to this bank. 

I contacted WELLS FARGO customer service via telephone and was told the same thing. So my feelings is the Bank, WELLSFARGO closed my account due to the numerous complaints about overcharging me for INSUFFICIENT FUNDS FOR MONTHS. 

I need to see my bank account transactions, a reason why my account was closed, and why the XXXX companies above keep telling me their traceing efforts of my {$2800.00} ( XXXX REFUND TAX RETURN ) keeps telling me it was sent to my checking account. 
Its been 12 months and no answer!

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 2020-01-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On or about XX/XX/2020 I nade a puchase at XXXX using my Chase bank debit card connected to my checking and savings accounts while paying for purchase i noted a long line of customers overlooking my shoulders as I was entering ny pin to pay for my purchase. After I completed paying I ibtain my purchase but forgot an left my Chase debit card ending in XXXX and drivers license on the counter and didn't discover that I had lost both until on or about XX/XX/2020. 
I immediately went online and checked my account and noticed that two unauthorized transactions were made at XXXX, located at XXXX XXXX XXXX Ca for purchase of a XXXX gift card and a purchase for a XXXX gift card using my card ending in XXXX. 
I immediately called and made a claim for this unauthorized transaction that chase provided me with a temporary refund until XX/XX/2020 when chase reverse the credit based on the fact that a purchase was made with my carebding in XXXX at XXXX 's for XXXX in the same city on XX/XX/2020 after the date of my reported card lost. I reviewed my account and noted that the transaction could not have been made by me an then filed a claim for reimbursement of the XXXX paid. Chase accepted my claim and credit my acount after their investigation. Despite having shown that the grounds that chase had used the the said purchase was not authorized abd therefore countered their rationale for denying my claims for XXXX and XXXX that was based on my card being used after the date of my reported lost. Chase again denied my claim on XXXX XX/XX/2020. Based on the fact that a cash trans action for XXXX on XX/XX/2020. 
I again reviewed ny account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Approximately two years ago our mortgage ( begun in XXXX ) was turned over to " Select Portfolio Servicing, Inc. '' without any forewarning or notification. Our rates began to rise dramatically, from around {$640.00} to over {$1200.00}. At some point we were made aware that the statement contained the remarks : " Bankruptcy Message - Our records show that you are a debtor in bankruptcy or you discharged personally liability for your mortgage in bankruptcy. '' Neither of those statements are true. We did file a chapter XXXX bankruptcy in XXXX, after I was fired from a job for testifying against a supervisor for drug dealing ( for which I sued the employer and was satisfied with the outcome ), but the house was NOT included in the bankruptcy. 
We first became aware of this false remark on the statement when we attempted to apply for a home improvement loan. In XXXX of XXXX the XXXX junction box/meter malfunctioned and overloaded the homes fuse box and wiring and caused a small electrical fire. We contacted XXXX who did their best to hide from us ; our home insurance and a contractor who verified the fault was the XXXX appliance but XXXX and the home insurance offered little to no help. As such, we have been living in a hotel for over a year now unable to get any help from any agency. As stated above our efforts to secure a loan were unsuccessful due to the false remarks on the statement. We have repeatedly contacted Select Portfolio Servicing, Inc. to clarify and remove the remark but to no avail. Since the insurance company XXXX XXXX ) and the mortgage company who selected the insurer were refusing to help, in fact were adding to our problems, we informed SPC that until such time as they would rectify this we would withhold payment. They ignored us. That is until last month when they filled for foreclosure!! We have spoken to over XXXX different law firms most of whom say they don't do " that kind of Law '' (?? ). It appears that ironically our only course of action will be to declare bankruptcy. 
Is there some other recourse for us? We don't want to file bankruptcy but the sale of the house is imminent and we are desperate. Our mortgage company has destroyed our credit and is now trying to take our house. 
Sincerely, XXXX and XXXX XXXX XXXX XXXX New York XXXX 
XXXX, MI XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit 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:
We financed a sofa from Ashley Furniture through synchrony credit and have received defective merchandise. We have battled this since we purchased with both the company and the finance company to no avail. The fabric is defective and the furniture is unusable. We purchased the warranty but they state its not covered. We are not claiming a warranty issue but a defective product claim. We requested a chargeback from synchrony with no response to our claims. This is absolutely unacceptable. This has hurt our credit score and we feel that this is very wrong and we have NOT been protected from a very defective and deceptive purchase.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to request the removal of inaccurate late payment information on my XXXX, XXXX and TransUnion credit report. Up until this recent account issue, l 've had no missed payments with with the XXXX XXXX XXXX XXXX XXXX XXXX since my credit card was first originated or ever in my credit history lifetime. 

I recently pulled my credit report with Transunion, XXXX, and XXXX and discovered I now have a XX/XX/2023 missed payment reporting on my XXXX XXXX XXXX credit card account ( XXXX XXXX is the underwriter ). 

My XX/XX/2023 XXXX credit card statement states a payment was due by XXXX XXXX, as shown in the attached page of my statement. On XXXX XXXX, a payment for the minimum balance, {$440.00} was made, as shown in the attached photo. 

Thus making my missed XX/XX/2023 XXXX credit card payment 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 non-monetary relief
Consumer complaint received 2023-06-23
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:
On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE BEEN GOING BACK AND FORTH WITH THE CREDIT BUREAUS AND CAPITAL ONE. I AM A VICTIM OF IDENTITY THEFT, IN XX/XX/2019 CREDIT CARD WAS OPENED IN MY NAME ( ACCT NUMBER XXXX ), AND CAPITAL ONE ALLOWED IT. THIS HAS BEEN AFFECTING MY REPORT NEGATIVELY AND I HAVE SUBMITTED POLICE REPORT, FTC REPORT SIGNED AND NOTARIZED, DISPUTES, MY LICENSE, SOCIAL AND PROOF OF ADDRESS. CAPITAL ONE HAS IGNORED MY REQUESTS FOR DISPUTES, PROVIDED ILLEGAL VERIFICATION OR VALIDATION OF THE DEBT. AT THIS POINT I AM WILLING TO GO TO COURT TO LITIGATE THIS MATTER AS I AM A VICTIM OF IDENTITY THEFT AND THIS COMPANY REFUSES TO ASSIST BY REMOVING THE ACCOUNT OFF MY CREDIT REPRTS ( ALL THREE BUREAUS ) I AM REQUESTING REMOVAL IMMEDIATELY OTHERWISE I WILL BE LOOKING FOR COMPENSATION FOR EACH VIOLATION AND EACH DAY THAT IT AFFECTED ME. I WILL ALSO BE FILING A COMPLAINT WITH THE FTC AGAINST CAPITAL ONE, STATE ATTORNEY GENERAL, AND XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See ALL attached proofs of your failure to protect my security, as the consumer, as well as and the confidentiality of my non-public personal information which is hurting and harming me now presently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Consumer Adjustment Company Incorporated
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I received a fraud alert on my credit report last night XX/XX/23 for a collection amount for over {$2900.00} I do not have a account with this company because I did not create this loan/line of credit. I reached out to the collection agency immediately and submitted a dispute and they gave me your information also to do so.. I do not borrow money on line nor do I create lines of credit on line I closed an account at my old Bank due to Fraudulent activity during the dates the collection agency told me this supposed loan/line of credit was accrued and I dated a man that was given access to my accounts at that bank and was not on my account. This man was a very bad person he stole from me used my credit cards and put me in a lot of financial debt. He took loans out in my name. this is why I also switched banks and placed Fraud alert on my credit report. for this exact reason. I have placed a dispute on my credit report and thru the collection agency who posted this. i promise you this is not my Debt please help me remove this from my credit report. It has been a struggle after what I have been thru with this man who destroyed my credit and my life to rebuild

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-24
Company: Experian Information Solutions Inc.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. 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. I have never been late on payments for these accounts : XXXX XXXX Balance : {$29.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$29.00} XXXX  XXXX Balance : {$740.00} XXXX XXXX Balance : {$720.00} XXXX  XXXX Balance : {$1800.00}

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 2022-02-07
Company: JPMORGAN CHASE & CO.
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 received emails from XXXX Credit Bureau XX/XX/2022 and XX/XX/2022 informing my credit had XXXX hard inquiries from XXXX XXXX XXXX and XXXX more from XXXX XXXX XXXX. I do not have accounts in XXXX XXXXXXXX XXXX neither I have asked any credit or loan to them. They did without my authorization and my credit has been deeply affected. This bank uses to send credit cards that have not been required. They did it around XXXX  years ago and I never used it. Id appreciate those inquiries be removed from my record as soon as possible. On the other hand, I have an Amazon/Chase card in good standing and enough credit amount so I have not asked any credit increase or loan to Chase neither to open a new account absolutely. 
Attached all evidences and a register of my exceptional payment history.

Company response to consumer: Closed with explanation