BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My complaint is with Capitol One. I opened an account in XX/XX/XXXX credit line agreement for {$300.00} with a promise. My first initial payment was {$25.00} with promise to increase my credit limit to {$500.00} after 6 payments. I dispute how my account was handled. I was assigned 3 accounts XXXX, # XXXX and XXXX.because of a computer breech.

I finally received a final bill showing a balance amount not due. I requested an investigation on these accounts before an Attorney XXXX XXXX. He advise me to complete an application for XXXX XXXX before XX/XX/XXXX. I am still receiving bill statement with the incorrect balance amount. Capitol One has not transferred any payments made by myself to the new balance account transfer without explanation from two accounts ending XXXX and XXXX. No current purchases since XX/XX/XXXX. Account closed at the customer request. No consideration to provide me with Consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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:
XXXX ON THIS CHARGE COMPLAINT XXXX I HAVE A FRAUD ALERT ON THERE I ALSO HAVE A CREDIT FREEZE ON THERE ON ALL CREDIT REPORT AGENCY ALL OF THEM XXXX LETTING THIS CREDITOR COMPANY RUN CREDIT CHECK ON MY CREDIT REPORT TO MY UNDERSTANDING WITH ALL XXXX CREDIT REPORT AGENCY THAT WHEN I HAVE FRAUD ALERT ON THERE AND FREEZE THAT THAT FORCE TO BLOCK ANY CREDIT COMPANY NOT FORCE TO GET INFORMATION ON MY CREDIT REPORT ALL THREE CREDIT REPORT AGENCY TOLD ME NOT NECESSARY THAT WOULD BLOCK THEM WHAT'S THE POINT OF ME ADDING THESE ALERTS AND THEY STILL LETTING THEN RUN MY CREDIT ON TO OF THAT THEY STILL WANT FIX MY CREDIT REPORT THEY STILL WILL NOT BLOCK THEM REFUSING TO CONTACT ME TO VERIFY IF IT WAS ME THEY STILL LYING ABOUT BLOCKING MY CREDIT REPORT FROM THESE CREDIT COMPANIES

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 2021-07-17
Company: EQUIFAX, INC.
State: FL
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:
I was recently pulling my consumer report, and I am very upset that my federal rights are currently being violated. No consent is identity theft Under 15 USC code 1681 b permissible purposes of consumer reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

I do not give XXXX  any written consent or was advised about having the right to not have my reports furnished how is this possible when this is not legal this is Identity theft, I demand the deletion of these transactions listed below immediately they are a violation of my rights as a federally protected consumer under USC 15 title chapter 41 Under penalty of perjury, I agree everything is true. I have sent over this letter to equifax, and I know that I am a protected consumer and i demand these items be deleted. 
XXXX XXXX  account number XXXX XXXX XXXX  Auto Loan / Account number XXXX XXXX XXXX  / Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17
Company: EQUIFAX, INC.
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've disputed this account directly with Equifax several times and also supplied an FTC report. This account does not belong to me. I've never taken student loans out with this company. I believe this information belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase is my mortgage servicer, but is failing miserably to provide me with an opportunity to keep my home. For several years ago I have been trying to work with them, but they have failed to provide me with any mortgage payment relief. They have dragged their feet and I believe they have not properly reviewed my loan for workout options. I make enough money to afford a reasonable payment and believe there must be some sort of modification or forbearance program available for which my loan can qualify, but Chase isn't taking me seriously. I have spent YEARS trying to get them to modify my loan and it seems impossible to get them to perform a financial calculation of my current income and offer a program that fits within the guidelines for mortgage assistance. Their staff has been robotic and I fear that I will lose my home because they are blocking me from getting help. I lived in my home since XXXX and I had my hours cut at my job a few years ago. I reached out the Chase to get help, but they kept denying me because they did not include all of my household income. My wife makes good money, but for some reason, Chase did not take her contribution into account. I contacted Chase when I knew I was going to miss my mortgage payments, but I have only gotten the runaround and have been unable get them to properly review my loan for workout options. I have had multiple single points of contacts who would never return my calls and I was forced to repeatedly send in the same documents that were " never '' received. Eventually I had to turn to an attorney who advised bankruptcy, but I continued trying to work with Chase to get assistance on my mortgage loan. They were given billions of dollars to help homeowners who are in trouble, but apparently can pick and choose who and how they help. During the last three years, I have been shut out every opportunity to have my mortgage loan reviewed for assistance options and need help to get them to treat me fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I was in Walmart to make a purchase on XX/XX/23. I got into argument with cashier and I walked out without my groceries. I was still charged for said groceries. I filed charge dispute the same day with capital one. Capital one bank made a decision XX/XX/23 to deny my dispute and notified me to contact vendor, walmart. So I went to walmart XX/XX/23 to get video footage of myself walking out without groceries. Walmart told me on XX/XX/23 that is was impossible to replay footage from XX/XX/23 because that was too far in the past so I feel that is capital one is at fault they failed to resolve my dispute in a timely manner leaving me without recourse

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX Balance Owed : {$18000.00}.

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 non-monetary relief
Consumer complaint received 2023-12-02
Company: LendKey Technologies, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Refinanced XXXX loan using a referral link that gave {$100.00} bonus over 3 years ago. Bonus has been sitting at " Awaiting Approval '' status for over 3 years. E-mailed customer service on XX/XX/23 to see what's going on, but did not receive any reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX , XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Ive been paying {$2600.00} a month to experien for credit monitoring services however, after XX/XX/2022, I couldnt see my credit score across the three XXXX and XXXX XXXX I was asked to send in my personal information from XXXX. I done this over and over nothing happened they want return my money after all XXXXthey told me and they sent emails to my computer saying they got the personal information and they are working on it?? .its been going on for 9 months and more..

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 2023-12-02
Company: OneMain Finance Corporation
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back in XXXX XXXX i made severall purchase from XXXX the iteams arived damadged i contacted XXXX and requested returns for these iteams. I never recived credit for these iteams so i dispuited the charges i sent tracking numbers into brightway credit card and was told they recived this information and nothing else was neeeded i called back XXXX additional times and was told the evertyhing was fine. I then recived letters that the merchant went back to them and said i never returned the merchandise which is a complete lie i uploaded tracking numbers showing this. I got a very nasty lasy answered the phone at brightway and would not listen to me. XXXX does know what its doing. XXXX sending this cause i went this issue resolved.

Company response to consumer: In progress
Consumer complaint received 2022-09-17
Company: Experian Information Solutions 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:
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  ; I recently bought a car and the dealership was excessively pulling my credit

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 2018-04-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent Portfolio letters regarding this matter, I have ask them to send me a contract with them, that has my signature. They have failed to do so. They claim I owe them {$1100.00} from XXXX  XXXX. I don't believe I owe Portfolio money, They have put this as a collection on my 3 credit reports, With out a contractual agreement between me and Portfolio that would be Illegal to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Grow Credit Inc
State: LA
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:
I got a warning to my phone from XXXX I put in a report they said it's accurate and it's a lie to XXXX XXXX XXXXXXXX in California I have never request a loan company don't answer phone. It's a XXXX loan. I promise I never borrowed no money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2018-12-08
Company: MIDFIRST BANK
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently sold by XXXX XXXX  to XXXX XXXX  in late XXXX early XXXX of 2018. I had previously been working with XXXX to remove my PMI from my loan. After my mortgage information was transferred to XXXX I called them to continue the process of removing my PMI. However, XXXX informed me that due to my contract with them that I will have to pay PMI for the full term of my loan no matter what my principal balance. I'm willing to pay for an appraisal to prove that my house is worth 80 % more than my principal balance however XXXX told me that regardless I would be stuck paying PMI for the full duration of my loan.

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 2023-12-01
Company: DISCOVER BANK
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account is not reporting correct XXXX data breach Thank You Based on the information you provided, our records indicate your personal information was impacted by this incident. 
For more information, visit the FAQ page. 
FILE A CLAIM For Assisted Identity Restoration Services, please call XXXX at XXXX and provide engagement number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have a checking account with Chase Bank. While visiting with the bank to service my checking account involving another matter, I was informed by the banker who was attending to me that I had been pre-approved for a Chase credit card with a credit limit of {$2000.00}. As I have never possessed a credit card, and do not currently have much of a credit history, I found the offer fortuitous, providing me with an opportunity to build a credit history and improve my credit score. As everyone knows, in today 's economy, a solid credit score is very important to acquire such things as housing, employment, etc. That being said, I applied for, and was approved for the credit card in question. Subsequently, I received the card in the mail and used the card as intended for various purchases. Having reached my credit limit, I therefore repaid the account in full. Following this payment, I received notification from Chase Bank that the account had been closed. I immediately contacted the bank for an for an explanation. I was informed by banker that the funds I used to settle the account were returned due to insufficient funds. I have contacted the issuing bank in question and they have assured me that the account contained sufficient funds. It would appear that Chase Bank returned the funds for unknown reasons and falsely claimed that the issuing account lacked the necessary funds for payment. I was further told that I would be receiving a letter in the mail from the bank providing further explanation. I have received this letter from the bank, dated XX/XX/XXXX, XXXX.The letter states that the account was closed for XXXX reasons : 1 ) not enough credit information on file 2 ) the accounts on your credit report have not been open long enough. These conditions existed prior to the issuance of the card. It is my contention that Chase Bank was aware, or should have been aware of these conditions prior to the pre-approval and the subsequent issuing of the credit line. It is my further contention that Chase Bank 's behavior in this matter has been arbitrary, capricious and duplicious. I am requesting that the CFPB investigate this matter on my behalf and that Chase Bank properly restore my credit card.

Company response to consumer: Closed with explanation