BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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 am writing to express my extreme dissatisfaction and concern regarding the erroneous late payment entries that have appeared on my credit report for my loan with XXXX XXXX XXXX XXXXXXXX. It is crucial to note that I have consistently made all my payments on time, maintaining a stellar payment record with this institution. The presence of these late payments on my credit report is not only misleading but also damaging to my overall credit standing. I have made diligent efforts to rectify this matter by contacting the XXXX Credit Bureaus, but unfortunately, my attempts have yielded no successful resolution so far. It is evident that there has been a serious error on their part, and I request of you to conduct a thorough investigation into this issue immediately. I can not stress enough the urgency of this matter. The integrity and accuracy of my credit report are of utmost importance, as it directly impacts my financial opportunities and credibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Navy Federal closed my checking account back in XX/XX/2019. I have been trying to get this matter resolve since then. Until this day I have yet to get answer as to why my checking account was closed. I have email the CEO but have yet to get a reason as to why my account was closed. I really need CFPB to look into this matter for me. As I feel this was unfair as I haven't done anything wrong for my account to be closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Experian Information Solutions Inc.
State: IL
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 have sent in a copy of my ID with the correct mailing address to Experian, XXXX   and XXXX and they each have refused to update my address. I have recently received a letter stating that my mailing address was changed from the address that I instructed to another address that is not my address but a relative of mine. I have never used that mailing address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: NV
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello : I am disputing this debt : Jefferson Capital System : XXXX XXXX for {$1200.00}. I am unaware of this debt nor have I received any notification attempting to collect this debt. According to my credit report this account was opened on XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
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:
There are 3 loans reporting on my credit report in the amount XXXX, XXXX and XXXX. They are reporting 90 days late when these loans were suppose to have been in deferment. Ive spoken to several representatives about this issue and nothing has been done about this inaccurate information being reported on my credit file.

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 2019-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was a victim of identity theft and fraudulent accounts were opened with my social so I informed Capital One of the situation investigations were done and the accounts were ruled fraud and were removed from the Credit bureaus so several months later I applied for credit with Capital One and were denied due to previous accounts that was still attached to my social security inside Capital One internal system so I reached out to them and they stated basically thats the way they do business there is no such thing as Victim with Capital One they still hold the consumer liable for Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: DISCOVER BANK
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I was told by a agent I will be able to turn on cash advance if I lower it with a soft credit pull anytime. I asked this agent several times for my discover it credit card that used to have XXXX cash advance. Since i XXXX it out I been told I cant ever get it back by a agent on XX/XX/XXXX. I want my cash option back since I was mislead to believe I can get it back with a soft pull. No agents can give it back to me. Please review phone call and notes from the date it was XXXX  out. Also I am unable to make any changes online because a authorized user has a credit freeze. I wish yo be able to manage online if possible too

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-06
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Opened a lowes account in 2013. Fraud was accrued on the account since then. ALL CHARGES are not mine and.they are saying i havent support them with sufficient evidence even though i did exactly as they told me. Made numerous attempts and numerous fraud investigations opened.

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 2023-03-01
Company: EQUIFAX, 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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-15
Company: JPMORGAN CHASE & CO.
State: NY
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:
Ive already contacted Chase Bank there taking to long with the investigation on something that is simple They violated multiple rights Pursuant to 15 USC 1692a ( 3 ) I am the consumer Pursuant to 15 USC 1692c ( c ), I am notifying you JPM Chase Bank in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through mediums, Pursuant to 15 USC 1692c ( c ), I am invoking my specified remedy as a consumer and the original creditor, and I demanding all of the following : 15 USC 1666d- Positive amount is to be sent to the consumer 15 USC 1681a D ( 1 ) - Consumer report is oral and written so Im letting you know that I'm extending this credit for exchange to get a higher credit limit. 
XXXX  the amount on the balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXXXXXX 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 2023-04-12
Company: CITIBANK, N.A.
State: IL
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:
XX/XX/2023 I had a notification with my credit report that somebody trying to open a credit car led at Macys under my name. So I called the XXXX to check but didnt see it that time. Today XX/XX/2023 it showed again in my report so I called Macys credit card and they say they took it out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In mid-XX/XX/XXXX the bank froze my accounts ( checking and savings ) and confiscated all my funds ( {$16000.00} XXXX and have refused to discuss their actions with me. I do not know why they took this action but in working with the Assistant Manager of my local branch it appears it has to do with a former client of mine ( I am a XXXX XXXX ) and all the wrong doing, if any, was done by that client. We can discover no wrong doing by me. The bank refuses to discuss their action with me. The Assistant Manager has sent at least 5 inquires to the " higher ups '' asking that my accounts be unfrozen, but has not recent a response. The bank 's Fraud Resolution Group has sent three messages to the office who imposed the freeze and they to have not received a response. I have made two written submissions to the bank setting out all the details of my former client 's actions. I have not received any response. 

In addition the XXXX Federal Stimulus monies ( {$1200.00} total for my husband and I ) were sent to our joint account at the same bank by the IRS. The bank has retained the funds and has refused to release them to us or to refund them back to the IRS. The bank gives no reason for this theft of our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions 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 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-06-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I check my credit annually to verify all data is accurate. I take pride in my good credit and maintain approximately XXXX fico. In XX/XX/XXXX I sent copies of my drivers license, social security card, deed of trust ( mortgage ) and utility bill to receive a copy of my report from Equifax, XXXX and XXXX. I noticed there was a " variance '' in my social security number. My accurate social security number ends in XXXX and all 3 agencies report a variance of social ending in XXXX. 

and According to the Fair Credit Reporting Act I have a right to have my personal information accurately reported. If inaccurate it is the legal obligation of the credit reporting agency to validate or remove inaccurate data. XXXX and XXXX were very professional and were able to delete the variance in social security number. 

Equifax refused to investigate or delete the inaccurate data. It is for this reason I have filed a complaint with the GA Attorney General and written to XXXX XXXX XXXX, XXXX, Equifax, about the issue of inaccurate personal data maintained by Equifax. 

I am formally requesting the Equifax immediately delete the variance in my social security number and send me a new credit report reflecting the deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
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 is the second time I have complained and I will continue to file complaints until this is fixed. 

First, the mortgage company, Mr. Cooper, did not inform us of the mortgage assistance programs they have after 3 phone calls. We interpreted that as an attempt to defraud. 

Second, when we finally discovered the program, we began the application process. They explicitly state the underwriting is paused while we are applying. That was fine. 

The process of applying was brutal and took a long time. We were denied. That is okay. But the process of us finding out was unlawful and unethical. You can not begin the underwriting on a loan and not inform the people responsible for that loan. That is what happened to us. We were denied and we were not informed until a week after the decision was made. 

The company claims to have contacted us but I have no emails, phone calls or text messages from them letting me know that the application for mortgage assistance was denied. My first indication that it was denied was when I received notification on XX/XX/XXXX, screenshot attached, that I had a negative report on my credit report. I looked and saw it was Mr. Cooper. I thought it was a mistake considering we had not heard from the company about their decision. So I decided to wait, and call after the weekend. 
Then I get a certified letter in the mail stating the mortgage was due. Granted, at this point, we still had not been notified of the decision concerning our application. Then 4 days after I got the hit on my credit report, we received an email stating we had a document to review. No phone call. No text message. No direct statement to make sure we received the information. On XX/XX/XXXX, see screenshot, we were notified of our denial. 
I don't care that we were denied. Although we struggled for a couple of months, we are caught up completely and are looking to refinance with a different company so we no longer have to work with you. I have also spoken with XXXX XXXX and the VA regional home loan officer to make sure they are aware of how you treat veterans and to make sure your company is not allowed to hold VA loans. 
You made no attempt to collect the debt before you reported that the payment had not been made. So you will fix the credit report. It does not hurt your company one bit to make this right. But it will hurt your company to continue to act unlawfully and unethically with a veteran and person of color, both protected classes. You will fix this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Central Portfolio Control Inc.
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I received a phone call from XXXX XXXX informing me that documents were going to be filed against me in XXXX County, XXXX CA. Within a week I then received a phone call from a company called Central Portfolio Control and also informed the gentleman that I would not confirm any of my private information. I then received " An Offer to Resolve '' letter from the same company stating that I owed {$630.00} but if I was going to pay immediately I only owed {$440.00}. I responded to this company stating I did not have any type of loans or credit cards with the two companies referenced, XXXX XXXX XXXX, XXXX or XXXX XXXX. I then contacted our local Sheriff 's Department and was advised to request a copy of my Credit Report and to file a complaint with the Federal Trade Commission. After receiving my Credit Report, I noticed the three companies referenced above were on my report. I filed a dispute to XXXX  stating I did not have anything to do with these XXXX companies. I then sent information to the Sheriff 's Office so they could file a Police Report. On XX/XX/2020 I received information back from XXXX  stating that XXXX XXXX  was going to be removed from my Credit Report however, XXXX XXXX  and XXXX XXXX XXXX XXXX were still requiring payment in full. On XX/XX/2020 I received another letter from Central Portfolio Control stating they had received my initial letter and they provided proof of the charges made on a Credit Card from XXXX. All of the charges are from businesses in and around the XXXX, CA area. In addition my name and an address of XXXX XXXX XXXX XXXX, XXXX CA XXXX was referenced on the statement. I did not nor currently live at this address. I have never made any charges on a XXXX XXXX to the businesses referenced on the statement.

Company response to consumer: Closed with explanation