BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 I received a letter from XXXX XXXX XXXX, stating that my account was paid in full which satisfied the account and the account was zeroed out and closed. I have my title to my car which I received in the mail. In the letter it stated that they would notify the credit reporting agencies to update my records to reflect the account satisfied and closed. There are several reports of reports of late payments after this date. I have proof of the injury caused by this negative reporting which was uploaded with this compliant. This was a violation. By these negative reports I was discouraged from applying for other extensions of 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 2021-01-28
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:
Equifax, XX/XX/XXXX and XX/XX/XXXX have constantly used their position of being consumer reporting agencies. The misuse and inaccurate reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Financial Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Covid-19 has caused struggles, and job lost also my family members returning home to my house because work is not available. It is hard to maintain all the people in the household now. I somehow have to deal with XXXX  family members, much less keep up. I need help. The inflation of everything is unbearable and with everything that is going on I can not afford to pay the card back .I am asking the company to forgive me and clear the debt please and take this off my credit report please in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good morning, I, XXXX XXXX XXXX, am requesting the accounting history for the Loan No:XXXX 

Thanks - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2021-01-28
Company: EQUIFAX, 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:
On XX/XX/2021, I woke up to my credit monitoring alert informing me that a hard credit inquiry has occured on my Equifax Credit File. I immediately logged into My Equifax and saw a posted Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021. 

After contacting XXXX, the representative informed me that someone requested credit with my address but with a different social security number. I REQUESTED that this erroneous inquiry be immediately REMOVED as i did not apply for credit with XXXX. 

I filed a dispute with EQUIFAX to remove this erroneous inquiry but EQUIFAX simply replied that inquiries are " Inquiries are a factual record of file access '' without providing any valid proof or documentation as i requested that was given to XXXX. 

I am requesting that Equifax DELETE this erroneous inquiry which according to XXXX does not match the last four digits of my social security number. I have requested this within 24 hours of when i received the alert from my credit monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-09-13
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 informed CAPITAL ONE of the billing errors on the statement for the month of XXXX. Following the requirements of federal consumer law U.S. Code Title 15 XXXX XXXX, Subchapter 1, part D - credit billing subsection 1666 ( a ) as well as Code of Federal Regulations Title 12, XXXX XXXX XXXX XXXX  ), part 1026, Truth in Lending subpart B, subsection 1026.13 ( b ), I sent written communication to CAPITAL ONE containing the necessary information. 

CAPITAL ONE responded to my Notice of billing errors via written communication which I will provide as evidence, not addressing the billing errors in question and lacking the documentary evidence to support the alleged indebtedness. 

It is my understanding that according to 15 U.S. Code 1637 ( b ) ( 2 ) the creditor must respond to and treat ANY inquiry for clarification or documentation as a billing error and erroneously billed amount. The creditor has not done so and therefore is in violation, as the creditor has not produced the documentary material of their investigation of why CAPITAL ONE has made the determination that there is no billing error which I requested and is required to be furnished upon said request pursuant 15 U.S. Code 1666 ( a ) ( B ) ( ii ) and 12 CFR 1026.13 ( f ) ( 1 ), ( 2 ), ( 3 ). CAPITAL ONE has not clarified ANY of the terms outside of the finance charge. It is understood that finance charges and annual percentage rates are the same according to 15 U.S. Code 1632 ( a ). Any other term they have yet to clarify. CAPITAL ONE is also in violation of 15 U.S. Code 1666d as any credit balance in excess of {$1.00} in connection with a consumer credit balance should be credited to the credit balance. I have notified the creditor and they have yet to credit the account. 

In the 'Notice of billing error, ' I provided the federal consumer law that they are bound to, making them well aware of their violation and criminal implications for wilfully violating consumer law pursuant to 15 U.S. Code 1611 ( 1 ), ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: WLCC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2020 I ( the consumer ) XXXX XXXX XXXX ( XXXX ) sent via email a ACH Debit Authorization Revocation Notice on Loan ID : XXXX to XXXX XXXX XXXX ( XXXX ).  Confirmation of receipt of documented request was confirmed by XXXX XXXX XXXX as received on. The company proceeded to debit my XXXX XXXX XXXX account # ( ending in XXXX ). A email was sent to the company requesting reversal of debit charged. XXXX XXXX XXXX has not complied with request to reverse debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Nelnet, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Began in XX/XX/XXXX, fraud for {$790.00} on Capital One Master card, XXXX, also affected my checking acct. end. XXXX. Made credit card pymt via my Capone debit card on XX/XX/XXXX for {$200.00}. Internal banking error on this date. Instead of my debit card, unknown Visa card XXXX, charged for my payment. Upon discovery by bank, they debited my Master Card, above limit, debited my checking acct., overdrawing it. 
All my communication, two years to them resolved nothing until I submitted a judgment against them. Legal dept called, offered me approx {$1500.00}. to settle ; which I did in XXXX. Rec 'd cashier check. 
Fact Cap One reports 'Charge Off ' on Mastercard for high amount, will not remove it with my credit report dispute, has ruined my credit. I explain all, they have no 'knowledge ' of settlement, or acknowledge proof I send.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
JP Morgan chase- I deposited a check for {$4000.00} on XX/XX/22 but when i tried to withdraw a portion of it from the ATM, it gave me an error message indicating JPM Chase is in process of correcting a debit for {$3600.00}. I returned to the bank on XX/XX/22 to speak with a representative as the error had not corrected and I could not withdraw the {$3600.00} to pay my contractor. Per customer support, this is uncommon but does occur and I should be credited back the missing funds in a matter of days. However this doesnt seem like a fair practice to withhold my funds for days when I need to withdraw to pay my bills. If the cash withdrawal had been for my rent payments this would have been a bigger deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a secured credit card through Capitol one, to try and build my credit up. I have tried making several payments on different occasions, and they would be returned as NSF, even though the money is on the account. I tried making a payment out of savings on XX/XX/19 and before it had time to process, they closed the account. The only thing I wanted was to pay the bill and now I have a bad mark on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because JPMCB CARD SERVICES ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: JPMORGAN CHASE & CO.
State: LA
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:
Jpmcb has an inquiry from XX/XX/20 that I fraudulent!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, someone fraudulently deposited a {$1200.00} check into my checking account. The banking institution used for the deposit was made about XXXX miles away from my residence and local banking branch and most likely garnered my checking account number through social engineering and forged my signature. 
On XX/XX/2022, this same person made an in-person withdrawl of {$500.00} against my account at a different branch which was found to be in a neighboring state. 
A customer service email was sent following these transactions on Wednesday XX/XX/2022, a customer service email was sent to me asking me to complete a survey regarding the quality of customer service. This flagged me to look at my account as I did not utilize or interface with any customer service representative in recent days. In seeing this email, I looked at recent activity and found the fraudulent deposit and withdrawl. This was found late in the business day on XX/XX/2022. 
XX/XX/2022, the account holders, myself and my wife, visited our local branch to file and report the fraudulent activity. 
XX/XX/2022, after visiting my local branch for a status update, I was told that this claim was denied after reviewing " proper documentation ''. I asked if video was reviewed and it the representative confirmed that video evidence was not reviewed. I've asked a different representative to re-open the claim. When examining the signatures on the deposit and withdrawl, they do not match my signature as I always sign my middle initial and that is excluded on the manual transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-06
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: 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 XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance XXXX {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$270.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX ( Original XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: FL
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2022-09-13
Company: JPMORGAN CHASE & CO.
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:
I am requesting the correction of one 30 day, and one 60 day lates that are currently reporting on my account ending in XXXX. This is a business card that was paid off in full as of XXXX of XXXX, and hasn't been used since then. 

I requested that this business account be closed in XXXX of XXXX via a phone call to Chase XXXX XXXX as I was leaving the company and didn't want to have a card associated with a business I am no longer affiliated with. 

However, the card was not closed properly, and I had no way of knowing that the card was still open as I specifically recall requesting the card cancellation after paying off the balance in its entirety As the card was NOT properly canceled, I was apparently assessed an annual fee in XXXX of XXXX, of which I wasn't aware of. Chase attempted to draft money from an old bank account and the payment was thus returned. I didn't know this was happening since as far as I was concerned, the account was closed. * I later found that this was happening after being alerted by my mortgage broker that I have two lates reflecting on my credit for the months of XXXX and XXXX of XXXX respectively. 

I was notified by my mortgage broker that my scores have declined over XXXX points due to the late reporting from Chase. I have never seen this account on my personal credit and had no reason to believe that an annual fee would be assessed on a closed account. Chases failure to adequately close the account as requested resulted in 30 and 60 late reporting on my credit, and subsequently dropped by credit score over XXXX points. I am asking that this account is canceled as requested in the past, and that the late reporting is corrected, as the fee should have been assessed in the first place. 

I have several accounts with Chase and have never been late once on any of them. I shouldn't be held accountable and marked late for a fee that wasn't supposed to be charged in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Ralis Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Owning.com has issued misleading ads. They heavily cite an interest rate and terms ( no closing costs ) and do not disclose that those rates and terms are only available for transactions exceeding {$300000.00}. They do disclose an upper bound, making it sound like all mortgages up to that amount would qualify. My credit and qualifications otherwise meet all of their standards but I did not go through with the loan when they changed the rate and fees on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation