BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-02
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The beginning of 2019 we started receiving phone calls that we were behind a payment on our mortgage. We asked what payment they were missing as all payments have been made. They were unable to provide this information. In XXXX of 2019 they began assessing a late fee. And are still unable to explain what payment they are missing.

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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 2023-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am an employee of XXXXXXXX XXXX I was at work when I received a text from Capital One asking if I was trying to make several purchases online. I responded as soon as I was off work saying no. I then called the bank, who told me the transactions had to finish pending for me to get my money back. I went to XXXX and came back after all the transactions finished pending and re called the bank. They sent me an email this morning saying they will not give back my money and I'm to call the merchants. It's the second time Capitol one has done this to me. It's not easy to lose over a {$1000.00} when you work so hard. I did not delay in contacting them. Even while I was on the phone with them the scammers were still making purchases. Capitol one is out of line. And I need my money back. Capital one is not a good bank and I'm very disappointed in there behaviour

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018 my debit card was stolen along with my wallet and phone. My card got fraudulently charged around {$5000.00}. I provided the company with all the documented proof showing them the charges were not of my doing. They left my account negative {$4700.00} and some change. This was all due to identity theft, someone used my cards after they had stolen everything from me! I am still negative in my checking account and its ruining the chances of my purchasing a home because of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-31
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX Equifax produced a completion of an investigation. The Document sent states this " We have researched the collection account Account XXXX The results are : The Disputed item is not currently reporting on the Equifax credit file. If you have additional questions about this item please contact : Fair Collections & Outscour XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Phone XXXX XXXX XXXX " I challenge last payment date and and date of 1st delinquency as erroneous and inaccurate. 

Equifax also stated the same about another file that reads as such. " We have researched the collection account Account XXXX The results are : The Disputed item is not currently reporting on the Equifax credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX Phone XXXX XXXX XXXX '' I Challenge all fields that are left blank or with a {$0.00} designation. Such as but not limited to Incorrect balance, ( Notice of deficiency deducted amount ), Scheduled payment amount, actual payment amount, date of last payment amount reported as XX/XX/XXXX, the account history with status codes does not match the reporting data of last payment and request all signature level documents stating both redemption and deficiency notices. ( I never received any type of documentation. 


When I checked my credit report both files still showed reporting. Both Files has missing information and also inaccurate information. 

On XX/XX/XXXX - I called Equifax to discuss the discrepancies. I gave the agent as well as the supervisor the confirmation # XXXX. They viewed the documents and told me that both files are still reporting. Although, I have documentations from Equifax stating that they both were removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The collection account below is not mines. I have disputed over the last two years. This is not mines not sure what I need to do to prove this. I may file a lawsuit against this company. 

XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 {$4100.00} Needs Attention

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 2021-02-01
Company: CITIBANK, N.A.
State: AL
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 rewards from credit card

Complaint:
My Costco Citibank credit card has a cash back reward program. They send a check that must be redeemed for cash or check in the Costco store. As a result of Covid, I do not go into Costco. I fall into a high-risk category and isolate at home. I contacted Citibank to see what accommodation could reasonably be made in the term of a account credit or mailing a check that can be negotiated through my bank. They refused to make any accommodation, and stated that as a matter of policy, they were requiring individuals to go into the store to cash their check. During Covid they shouldve made a reasonable accommodation to my XXXX, this policy is both unfair and abusive. Citibank has many alternatives available to them to provide relief to the consumer and allow them access to their much-needed funds. I do believe that this deceptive policy has been put in place to limit the payouts under this program as the funds will expire at the end of 2021. I asked them for an accommodation and they refused, I further asked them to register my complaint for their internal system. I asked if it were possible for a family member who I designated with appropriate ID, I could make this transaction for me and they stated that I had to be there in person. There is no ability to retrieve my funds without my physical presence inside their store I asked for an escalation of this problem to a superior, and they said there was no escalation opportunity. I am requesting that the CFPB include this complaint in their review of Citibank Covid response and customers forbearance efforts.

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 2023-03-01
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:
i see collections on my account which I have asked for debt validations with my wet signature. yet I've not been able to get that from the debt collectors and the credit bureaus have continued to keep that on my report with valid prove. 
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 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Dear XXXX I had file Disputes with Transunion reporting agencies Transunion tells me that you verified the information on all Three accounts saying it is reporting correctly correct when you send that information back to Transunion One of you Guy 's are not changing the date if status This is a Violation of the FCRA Transunion tells me that it is your responsibility to this when you reply back via XXXX XXXX This is a violation of the and you could be fined or sued for {$1000.00} per account per bureau I have had to issues before with Transunion they claim they will get back to me in 60 days But 60 days comes and Go so I need to get to the bottom of this to find out which one of you are in violation of the FCRA please Both companies DO NOT SEND ME ANY LETTER VIA US MAIL RESPOND HERE ON THE CFPB SITE LETTING ME Know which one is causing the violation ...

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 2021-04-28
Company: Convergent Resources, Inc.
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:
XXXX said several times its impossible for pre paid phone to go into collections, I paid in full have recordings and app Im in great standing w XXXX and they said that these collections agencies are fake they looked up first one, not real and as to triple check things on my end they ran my Ss # to make sure no other things out standing w them

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 2023-01-19
Company: EQUIFAX, 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:
Hello, my name is XXXX XXXX, and I am submitting this complaint without error or any influence from a third party agency. Please see the following attached documentation and meet my requests in a timely manner. I have never authorized or gave written consent to any 3rd party to furnish my data with the following companies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I opened the credit card on XXXX XXXXbut they closed my account at XXXX XXXXthey told me will credit back about annual membership feebut until now they still not credit back yet and charged me late fee and interestmy credit is bad now

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28
Company: Experian Information Solutions Inc.
State: TN
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:
Hello I have been contacting this company XXXX EXPERIAN AND XXXX for the past 7 months about this account on my credit report. 7 months and NOONE has gotten back to me. The reporting of those accounts violates USC 15 1681 b ( g ) 3. Medical information being released is violating my consumer rights. Please investigate this and remove it from my credit report asap im tired of waiting on responses in the mail that NEVER COME. The accounts are as follows below. They violated MULTIPLE laws thats I can sue for and I have the proof. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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 2021-03-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scam to rent a house the guy who claimed to be the owner asked to wired him the money to get the to rent this house but it never happened so I called my bank to let them know what had happened so the chase bank wont dispute my money or try to fix the issue please help me and my family I had wired transfer this person this money thinking that I was going to get my kids and my family a good home to live this guy contacted me by phone please help me. I had send this person {$1100.00} dollars for what he said was for applications fee and to secure the house and my and my husband send him {$850.00} for first rent this guy got away with about {$2000.00} dollars from hour hard working Money please help. The guy email me what seems to be a dale lease and the information I have from this guy seems to be fake I dont understand why chase bank wont help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/18 - company still shows payment due on online and automated phone system and has added a {$26.00} fee ( assuming late fee ) to my normal {$890.00} payment. The loan is PAID OFF! as of XX/XX/18. The system should reflect that there is NO PAYMENT due! I can not trust that your company will do the right thing and not report a 30 day late at the end of the month - even though my loan is paid off and there is nothing due. On XXXX.XXXX.18 in talking to XXXX # XXXX, I was informed that it could be 3 to 6 months for the system to update with no payment due! Are you kidding me? This is totally unacceptable! When a payment is made the amount due should immediately update - If credit card companies can figure out how to do this then surely Freedom Mortgage can figure it out! You are putting out incorrect information to your customers. I do not see how this can be acceptable to anyone! Seriously, this is a SIMPLE programming change.

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 2021-11-27
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On Thursday, XX/XX/XXXX I called my Federal student loan servicer Great Lakes Student Loans to lower my monthly payment while on Income Based Repayment. I had been paying {$53.00} prior to the pandemic and the Great Lakes Student Loans website confirmed that I would be paying {$53.00} after the pandemic. However, my daughter was born after this was assessed, so I called in to lower the rate by adding a dependent. 

When the agent calculated my new rate, she said it would be {$230.00}. She explained that my rate would be {$53.00} through XXXX of XXXX, but that adding another dependent would actually increase the rate and she couldn't account for the reason why. She consulted her supervisor, who advised that there was an error and my rate would be changed from {$53.00} to {$330.00}. I advised the agent that I did not consent to this change. I requested that she make sure the change was not made. She assured me that the change had not been made. 

Following this incident, I complained about Great Lakes Student Loans on XXXX, and their social media team intercepted me and offered to help. After exchanging some information, an agent called me on Friday, XX/XX/XXXX to confirm that the previous agent lied to me. The change from {$53.00} to {$330.00} was put through without my consent and when I was promised that it would not be put through, I was given false information. He offered to " lower '' my rate to {$230.00}, but did not address my actual issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: SC
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXX XXXX XXXX Date of Inquiry XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Diversified Adjustment Service, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received phone calls from Diversified Adjustment Services on numerous occasions, each time I have told them that they need to take my phone number off of their list and to never call it again. Once I start to make the said request the representative immediately disconnects the call. I have tried to call and talk to a manager regarding the issue, and all I get is a voicemail and no callback. I have tried to contact the corporate office, and once again all that happens is they transfer me to the exact same voicemail box. 

This company is not only in clear violation of the FDCPA, but they are also violating the national do not call registry. On top of that, they are using an autodialer system to call a cell phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Capital One collects citizenship information of its applicants implying that it currently has or plans to have in the future a discriminatory treatment of consumers based on their citizenship status. Capital One also misrepresents to the public that its gathering of citizenship information is part of federal regulations requirements. According to my elected representatives to the United States Congress there are no laws or regulations of the federal government of the United States requiring credit card companies to gather citizenship information of their potential customers. Capital One misleads the public into believing that that's a U.S. Federal government that requires Capital One to gather this information while in fact it is a sole initiative of Capital One to incorporate citizenship question into its Customer Identification Program. The Customer Identification Program of Capital One could have been created and designed without requiring Capital One 's credit card applicants to provide their citizenship status to Capital One as federal regulations do not require such information to be part of the Customer Identification Program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: MI
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation