BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Chase Mortgage reports rolling late payments from XX/XX/XXXX - XX/XX/XXXX in error after this loan was closed in early XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
If wells fargo does n't handle any domestic dispute. Then why did they get involved when XXXX XXXX falsely accused me of harassing her. I have never harassed XXXX XXXX, and how was I harassing her when I was told by wells fargo to come in a local wells fargo brance to get my new account open. It was all a set up by wells fargo to falsely accuse me of harassing her. I did not know at the time that she was in the bank. I was only taking care of my own banking business. XXXX XXXX is using her position to do unethical and felon criminal things toward me. Wells fargo refuses to explain how i am continuing to harass her. I was only in the bank to handle my own banking business and XXXX XXXX had no right to interfere in my business. Wells fargo has the definition of harassment all wrong. I have never harassed XXXX XXXX she has always harassed me and I take it as an insult for wells fargo to believe her side of the story over mine. If they do n't handle domestic disputes then why did they get involved to close my account, due to my " Continued harassment of their " PRECIOUS '' district manager XXXX XXXX. This was a injustice done to me and is completely unfair how they have allowed XXXX and XXXX XXXX to harass me and slandered my name which caused me to lose my checking account. I only had my new one open for a few weeks and it is an " OUTRAGE '', that they let this happen to me. Banks are suppose to take privacy issues very serious, but they let XXXX and XXXX XXXX violate me and my sons personal and financial information to be compromised. The first story wells fargo told me that my account was " COMPROMISED '' which is why they closed it, and they told me i had to come in a local wells fargo branch to open a new one. Its a plain insult after running me back and forth trying to get my new account open, for XXXX XXXX to say that I harassed her and close it. There is " SECURITY FOOTAGE '' to show that I was only handling my own banking business. There is something very wrong here if wells fargo refused to look at the security footage but took her side and refused to listen to my side of the story. XXXX XXXX has " DEFAMED '' my character all around wells fargo and getting her co-workers involved in the unlawful and felon harassment against me. The reason why wells fargo is protecting XXXX and XXXX XXXX is because they big bosses at wells fargo are felon criminals to. It was n't " FAIR '' that wells fargo closed my account and told me I could n't enter into a wells fargo, even if i had any type of loan. I was to conduct any type of business over the phone, this was a direct violation of my " CIVIL RIGHTS ''. And how they still allow XXXX XXXX to do unethical and felon things against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX  and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$2000.00}. I don't owe anything.

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 2020-05-28
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit card was used without my knowledge or permission and multiple charges were made on my card that I did not authorize. I reached out to the company and was advised that due to fraud I would not be responsible for charges but recently checking my credit I saw the charges on my card and no one is assisting with my issue. My credit card information, id, and phone were stolen and charges were occurring on my cards. I did not immediately notice this because I was not able to check my account due to my information being stored on my phone and I was getting ready to leave for a work trip. On the trip I noticed 2 of my credit cards missing but I did just assume they were home and did not know they were being used. 
XX/XX/XXXX XXXX XXXX  XXXX  {$150.00} XX/XX/XXXX XXXX  XXXX   XXXX  {$180.00} XX/XX/XXXX XXXX  XXXX  XXXX {$150.00} XX/XX/XXXX XXXX  XXXX  XXXX  {$170.00} XX/XX/XXXX XXXX XXXX XXXX {$17.00} XX/XX/XXXX XXXX XXXX  {$130.00} XX/XX/XXXX XXXX XXXX {$45.00} XX/XX/XXXX XXXX {$20.00} XX/XX/XXXX XXXX XXXX  XXXX  {$21.00} XX/XX/XXXX XXXX SC {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: PA
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:
Failure to provide documentation : Requesting Verification of Information and Evidence of Permissible Purpose Pursuant to 15 USC 1681b. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 made every attempt possible to ask this company to stop reporting inaccurate counts on my credit report. I have sent letters, made phone calls. This company could care less about the impact they are having on my life. I have been disputing these accounts for years with no luck or cooperation from this company. i have ask for documentation and proof and have yet to receive anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capital One Had issued a check for closing the accounts with 360. Unfortunately, the check had expired. Capital One needs to issue a new check in order for me to redeem my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXXXXXX XXXX XXXX  XXXX {$480.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, reportability of this listing. 
There is no contract or valid claim I also contacted original creditor ( XXXX XXXX XXXX ) I want this account removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
hi. i bought in XX/XX/2018 {$500.00} worth of XXXX  trough coinbase. .now coinbase allege i only have {$1.00}. i never authorized a single transaction. where's my money??? thank you Bought XXXX  XXXX XXXX  @ {$1100.00} per XXXX  Reference code XXXX Price per coin {$1100.00} Payment Method MasterCard XXXX Coinbase Fee {$4.00} Payment Method Fee {$12.00} Subtotal {$480.00} Total {$500.00} XX/XX/2018 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Experian Information Solutions Inc.
State: NC
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 written contacted Experian on three different occasions. Twice through the mail and once through online dispute. I keep writing them and disputing a collection account that does not belong to me. They keep verifying that is is accurate and I asked them in the last letter how did they verify this incorrect information. They responded back with verified once again. 

They will not tell me how they verified this information. I never did business with the company in question so I know they couldn't have verified anything but they are reporting false information on my credit report.

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 2019-02-22
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I assumed this loan for my daughter. When she graduated she never found employment in her degree/field. I had to support her while she tried for several years to find work in her degree. I have paid on this loan as best I could having to move from place to place 6-12 months consecutively with another move due to a sale of current household in XX/XX/2019. 

She finally took a XXXX job but still needed support due to low wages. I am retired with a Federal Retirement benefit and social security. Due to losing my house, my age XXXX and not driving I have had to move regularly incurring expenses and defaulted for a time during these moves. 

I would like to work with someone for a normal monthly payment yet have been put on hold for more than an hour and now having my social security and federal retirement garnished and told conflicting information on my retirement and payment plans. 

Relief would be desirable yet with no judgement against me my retirement will be garnished leaving me with barely a livable wage. My daughter graduated almost 10 years ago and still doesn't work in her selected field and still works for a bit more than minimum wage. I would still be helping pay her rent has she not found a low income apartment.

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 2021-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I contacted CAPITAL ONE AUTO FINANCE about late payments on my now close auto loan. They reported to the credit bureau that I was late 4 times which was false. I told them I have documents proving my claim but no response what so ever from CAPITAL ONE AUTO FINANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: EQUIFAX, INC.
State: NY
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:
These items are on my Equifax credit report and I did not authorize these inquiries. I have disputed these inquiries with the companies and credit bureau and no action has been taken to remove these illegal inquiries. 
XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Tulsa Adjustment Bureau
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter earlier this year alleging a debt by a company called XXXX XXXX. On or about XX/XX/XXXX a letter was sent to them requesting information/validation/disputing the debt. As a consequence, they stopped all contact for the past few months. Today XX/XX/XXXX a voice mail was left by this company. They have never attempted to validate the debt or provide any of the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: FC HoldCo LLC
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This is my second issue with XXXX XXXXXXXX XXXX. XXXX is stating my balance is {$760.00} which includes a payment of {$290.00} which I made today and is leaving a balance of {$470.00} which includes the balance of my next payment of {$290.00} due on XX/XX/XXXX but it does not explain the balance of {$170.00} and there is no current statement explaining this charge. I am disputing the billing error in the amount of {$170.00} on my account. The amount is inaccurate because there is no statement indicating how this charge was calculated. My contract states that my car payment is {$290.00} every month due on the XXXX with a 10-day grace period. After the grace period I can be imposed a late charge to 5 % of the unpaid installment amount of {$23.00}, whichever is greater, after 10 days. I had previous late fees of {$23.00} or less that were credited back to my account along with a letter stating they have been removed from the account. I have not had a late payment since. 

I am requesting that the error be corrected & explained, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement and an itemized statement of the charges. 

Enclosed are my copies of all my monthly payments ( including the most current payment ), the contract, the most current statement on account which is dated XX/XX/XXXX supporting my position. Please investigate this matter and correct the billing error as soon as possible. 

I dont know if this is in regard to the pending lawsuit against flagship and now they are doing erroneous billing to scare customers. I hope this is not the case because if it is then this company needs to be investigated IMMEDIATELY. 

I did sign up to receive electronic statement and I have received one electronic statement. My last paper statement was back in XXXX of XXXX. I checked my communications tab and my email XXXX is listed on there so I dont understand why I have been receiving electronic statements. 

I will NOT ACCEPT ANY PHONE CALLS FROM FLAGSHIP. You may contact me @ my email address at XXXX Thank you, 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 2021-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This is a formal request to get my credit information updated due to billing inaccuracies. I have personally spoken to the data furnisher which is Capital One Bank USA and they have confirmed they have reported the correct balance statement that closed on XX/XX/2021. The statement balance closed as {$91.00} on account ending in # XXXX. Which is 100 % accurate as reported by the XXXX XXXX BUT the issue is XXXX  XXXX CRA 's ) have reported this on my credit as having a balance of {$910.00}. This is inaccurate and in violation of FCRA & FCBA law. Capital One Bank USA has confirmed specifically Capital One Agent ID # XXXX  XXXX that they submitted over the statement balance for account ending in # XXXX as {$91.00}. They provided verbal and statement showing the correct balance. CRA 's are claiming that this is an error on Capital One Bank USA not them. They persist that this is on Capital One Bank USA to correct. Whoever the error is on please update this swiftly as this is affecting my ability to purchase a new home. This has now placed me under financial stress due to the massive credit score drop and it's wildly unfair this is happening. I kindly ask for this to be corrected as reflecting the correct balance of {$91.00} as the supporting documentation/statement that closed on XX/XX/2021 for accounting ending in # XXXX clearly reflects. I have spoken to Reporting Specialist at XXXX  ID # XXXX and have verbally informed XXXX  of the error to get this fixed as soon as possible but they claim the error is on Capital One Bank USA.

Company response to consumer: Closed with explanation