BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: Professional Debt Mediation, 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:
XXXX is reporting fraudulent items on my credit report. The items are Professional Debt, XXXX XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, 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 an 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 explanation
Consumer complaint received 2023-01-23
Company: Grain Technology, Inc.
State: VA
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:
This company has reported XXXX missed payments on my credit report in XXXX. I have never been XXXX days late not even XXXX days late. I have had this problem before and they corrected it. I paid my account off in XXXX an have not withdrawn since. I should not have any balances with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In early XXXX I received a letter in the mail for a new CapitalOne XXXX card. According to the letter I received, it claimed that due to my great credit score, I was eligible for this new card which ALSO INCLUDED A {$200.00} CASH BONUS if I spent {$500.00} within the first 3 months. This really interested me, so I checked reviews for it online ( XXXX, XXXX, XXXX, and even CapitalOne 's own website ) and the information in the letter matched everything I read online. 

So I applied for the XXXX Card ( not the Savor card which doesn't include the cash bonus, I was very careful about that ), and spent lots of money on the credit card with the expectation I would receive the set cash bonus. 

By XXXX I had spent well over {$500.00}, but I had not received any cash bonus, so I called Capital One. I had multiple phone calls and conversations and they first claimed that my card was not eligible for a cash bonus, despite all the evidence on their own website to the contrary. Then after I escalated it further, they claimed that I didn't select I wanted the cash bonus when I signed up on the CapitalOne app when I applied for the card, which is wrong. 

I am very frustrated that CapitalOne would be this deceitful and that after multiple times contacting them, they kept refusing my request. They even lied and said they don't have a customer complaint email address so that I would not contact their customer complaints department. Very shade.

I don't have the exact dates I called them each time, but it was multiple times and I have all the email evidence from CapitalOne to show each time they sent me updates regarding my case. So let me know if you need that and I will be happy to provide all of the document evidence.

The only thing I don't have is the original letter in the mail they sent. I figured that since all the websites confirmed the cash bonus, I would never encounter such a bizarre scenario as I am facing now. Thank God the CFPB exists to help keep these companies in line. 

I am being very rational and I am simply seeking the {$200.00} cash bonus they promised to me and conned me out of what I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXl XXXX # XXXX XXXX XXXX # XXXX XXXX Department XXXX XXXX # XXXX XXXX Department XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # 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 response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 am disputing inquiries on my credit report from XXXX  and Transunion. My list can go on with dates and CSR I've spoken with. For the past 6+ months I've done everything these 2 credit bureaus have asked. I was told I needed to contact the companies that " pulled these inquires '' I did, I was told with all the inquires that my information wasn't on file. I would call XXXX  and Transunion and then was prompted to place a " fraud alert '' on my account. XXXX  did and Transunion failed to until I called for the 100th time. I was then told I needed to file a " police report. '' I went to the local Police department and was turned away. I then called XXXX  and Transunion and was told that their was nothing the could do. Basically, I needed to leave them and let them fall off. I had NO ISSUES with XXXX  at all they placed the fraud alert and helped me dispute the inquires right away. I had 33 and was able to dispute all but 5. I then called again. I was told by a rep with Transunion to file a complaint through CFPB. I have many on both reports that are affecting my credit score. This is very exhausting and I feel I have no other choice but to file this complaint. Every time I speak to someone, we have such a language barrier and ask to be transferred to a US rep. I'm told that the US office is closed. I'm very frustrated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account Name XXXX XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: JPMORGAN CHASE & CO.
State: AR
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, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THE CREDIT REPORTING COMPANYS WILL NOT RECENT MY DISPUTES OF THE ACCOUNTS THAT ARE LISTED ON MY PROFILE I NEVER OPENED THESE ACCOUNTS

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 2020-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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 was looking over my credit report and I noticed that XXXX and 60 day late payments that were supposed to be removed ON MY CAPITAL ONE BANK CARD. The dates were XX/XX/2020, XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the XXXX SHUT DOWN XXXXThe CARES Act calls these agreements accommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I wish to refer to a loan with that is been serviced by Community Loan servicing. Their loan # is XXXX. Property address : XXXX XXXX XXXX, XXXX, MD. XXXX. 

The property was sold on XX/XX/2022 at a foreclosure action with settlement within 60days. 
I believe that the property have now settled for more than what was outstanding on it. 
All attempt to get Community loan servicing to be transparent with the transaction and provide details of the transaction has so far failed. We know that there are credit accrued to us even after deduction all their frivolous charges. 

But Community Loan servicing refused to provide detail and will not give us the balance due to us. The further mucky the water on this transaction, it appears the loan may have been transfer to another servicing company between the time it was sold at auction and before it is finally settled. No further information is provided to us. 

Kindly prevail on Community Loan Servicing and the new servicing company to be transparent and remit the balance due to us without further delay. 

We want to thank you for your time and cooperation on this matter. 

Sincerely, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: PHH Mortgage Services Corporation
State: ID
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX I filed for chapter XXXX bankruptcy and I continued to pay for the mortgage after the debts were dismissed. I never reaffirmed the debts. I stayed in this home till XX/XX/XXXX and lost my job so I could not afford my home. The home was worth less than I owed so a short sale was done. 
Currently I am trying to get a new loan in order to purchase a new home. The under writers are telling me that this short sale is showing up in the fha underwriting system even though it was covered under my chapter XXXX bankruptcy. 
I can not be approved for a loan because this is showing up as a short sale of less than 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 have a loan with XXXX XXXX XXXX, and XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00}. Under the Fair Credit reporting Act, I am requesting that you correct the disputed accounts to appear accurate 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 non-monetary relief
Consumer complaint received 2023-07-02
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 Harris LTSD added a derogatory mark on my credit report XXXX XXXX XXXX XXXX XXXX per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Harris LTD has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: EQUIFAX, INC.
State: NM
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 am disputing inquiries on my credit report from Equifax and XXXX. My list can go on with dates and CSR I've spoken with. For the past 6+ months I've done everything these 2 credit bureaus have asked. I was told I needed to contact the companies that " pulled these inquires '' I did, I was told with all the inquires that my information wasn't on file. I would call Equifax and XXXX  and then was prompted to place a " fraud alert '' on my account. Equifax did and XXXX  failed to until I called for the 100th time. I was then told I needed to file a " police report. '' I went to the local Police department and was turned away. I then called Equifax and XXXX and was told that their was nothing the could do. Basically, I needed to leave them and let them fall off. I had NO ISSUES with XXXX  at all they placed the fraud alert and helped me dispute the inquires right away. I had 33 and was able to dispute all but 5. I then called again. I was told by a rep with XXXX  to file a complaint through CFPB. I have many on both reports that are affecting my credit score. This is very exhausting and I feel I have no other choice but to file this complaint. Every time I speak to someone, we have such a language barrier and ask to be transferred to a US rep. I'm told that the US office is closed. I'm very frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2017-06-23
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a Santander business checking account and, after meeting all the requirements for the {$500.00} bonus, I called in. The agent I spoke to ( I recorded the call ) said that I had indeed met the requirements and I should expect the bonus in my account within 30 days. That was in early  XXXX . Today, I called Santander and they changed course and mentioned that the marketing team had put in my file that I had not met the requirements for the {$500.00} bonus.

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 2023-07-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
upon checking these accounts do not belong to me, per my consumer rights Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. Demand these accounts be removed as there has been no proof that these belong to 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 non-monetary relief
Consumer complaint received 2020-11-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I filed a dispute of charges on my bank account. My debit card was fraudulently used to charge {$30.00} for parking on XX/XX/XXXX, {$30.00} for parking on XX/XX/XXXX and for XXXX XXXX XX/XX/XXXX for {$71.00}. Total charges of {$130.00} on my bank account. Chase Bank initially refunded all three charges but then mailed me a letter saying they would not support my dispute. I have contacted Chase Bank three times to discuss the refund I should be given but Chase says there is nothing they can do.. Chase says that because I had a separate dispute in XX/XX/XXXX, that they did support and refund, and at that time they sent me a new debit card which had a new expiration date but not a new number, that their policy is any diputes within 60 days of the first initial dispute will be considered. Although the XXXX diaputes are unrelated to the XXXX dispute, and Chase sent me same card number being their error AND NOT MY REQUEST, they will not refund my money. Being a young college student with my first account on my own, I am trying to manage my account as best I can. The amount of money they will not give back to me takes two weeks of work for me to earn. Chase made the error to not send me a totally new card and I did not know that a new expiration date was not enough to protect me from fraud. It is Chase Bank 's job to protect me from fraud. I talked to customer service agent " XXXX '' on XX/XX/XXXX and her supervisor " XXXX '' who said they are unable to refund and it is past 60 days. These 3 claims were filed within a few days of occurrence, but more than 60 days from separate XX/XX/XXXX dispute. They made the error with the card they sent me, not me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-03
Company: EQUIFAX, INC.
State: NM
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: Problem with personal statement of dispute

Complaint:
I've submitted certified letters and documentations to the XXXX XXXX XXXX and the 3 major credit bureaus. I paid the 2 accounts and was told they would delete. Theses 2 accounts were charged off XX/XX/2018 and the creditor is reporting that I have 27 charge offs on my account. I was told by XXXX XXXX XXXX that I needed to send a letter to them to ask them to " delete my Consumer dispute '' and they would be able to fix. I sent letters and have not received a response. I've disputed them. Equifax and XXXX show Paid and 27 charge offs, XXXX show no payment history. I've received numerous letters from XXXX XXXX XXXX stating they don't know what I am disputing. This is very conflicting with what answers I get. I am following everything the bureaus are asking as well as XXXX XXXX XXXX.

Company response to consumer: Closed with explanation