BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
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:
account is inaccurately. the collection account is reporting as open according to tje FCRA i have the right to to an accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On Friday, XX/XX/XXXX a payment of {$840.00} was removed from my escrow for a Hazard House Insurance Policy for annual coverage from XX/XX/XXXX through XX/XX/XXXX. On Thursday, XX/XX/XXXX, a payment of {$1300.00} was removed from my escrow account for an annual Flood Insurance Policy for coverage from XX/XX/XXXX through XX/XX/XXXX. On Thursday, XX/XX/XXXX a payment of {$1900.00} was paid to the same flood company for a second flood payment that I was not informed about. I went to the bank on Wednesday, XX/XX/XXXX to inquire and was told that another bank, which I had an Equity Line of Credit ( {$16000.00} ), requested this additional insurance. I requested to cancel it because Double coverage is illegal, although I was forced to pay it for the last 5 years and was told because they had no fax number for the bank that implemented this flood insurance, they couldn't cancel it. However, they stated if I payed {$4000.00}  my account would be back in good standing. I have paid into this house for 25 years on a 30 year mortgage and the game playing between the two banks and the Insurance Company is a bit too obvious that they are intentionally depleting my escrow, forcing astronomical flood pricing to bully me to refinance or have me removed from my home.

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 2016-10-01
Company: ALLY FINANCIAL INC.
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
There is debt in my name for a former auto loan. The debt is with Ally Bank. This creditor gave my personal information to an unauthorized third party over the phone. They did not try to verify my information ( social security number, address, DOB or even my name. ) The creditor then gave all of my personal information and information about the debt to a third party.

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 2021-09-23
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On our about XX/XX/XXXX, I attempted to complete a mortgage application with XXXX XXXX  to refinance my home loan. On or about that date, I was informed that my credit report contained a new delinquency that would prevent any refinancing. Specifically, my credit report indicated that an XXXX XXXX  was taken out in my name for more than {$7000.00} in XX/XX/XXXX, that the issuing financial institution, Goldman Sachs Bank, closed the account in XX/XX/XXXX with an outstanding debt amount of more than {$15000.00}, and that GS Bank reported a delinquency on my credit report in XX/XX/XXXX. 

I have never owned an XXXX XXXX, have never received communications about any such card from XXXX or Goldman Sachs Bank -- account statements or otherwise -- and had no knowledge that any such debt existed, was charged off, or reported. I have pulled my credit in the past two years and monitor it actively on XXXX XXXX and this XXXX  XXXX  did not appear on my report. I first learned of this through XXXXXXXX XXXX XXXX summary of my credit report. 

The mortgage broker at XXXX XXXX, XXXX, gave me contact information for Goldman Sachs Bank. I contacted Goldman Sachs Bank on XX/XX/XXXX and reported the identity theft. The person I spoke with also gave me information for credit reporting agencies, who I contacted between XXXX XXXX ( XXXX, XXXX, and XXXX ). They are currently conducting investigations about the GS Bank items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/23 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$25000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: DE
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2021-10-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had my card compromised several times this year on both my son 's account.and now have had to send me out a new debit card several times... And because of the fraud activity.. they froze my accounts and won't let me access my account with my money that is mine. I need my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX at XXXX. XXXX XXXX XXXX, WI XXXX has been sending me collection notices in the amount of {$240.00} and the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2023-07-17
Company: EQUIFAX, INC.
State: MD
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:
Hello, It is stated under the law 15 USC 1681-a ( ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. ) Late payments reported on the XXXX XXXX XXXX XXXX account violate this law. This letter is requesting the removal of all late payments on the following account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got a message on my voicemail that said I was going to be " processed '' at my work and pursued legal action against if I wasn't going to contact these people about this debt. So I called the number they left on the message back, gave them some information and they told me about a debt for roughly {$3200.00} that was from a XXXX credit card. When I asked more about the situation they said that if I was not willing to settle the debt that I would be charged and they would garnish wages up to {$7000.00}! So I said that is absolutely insane as I don't remember ever having a Citi Bank credit card, and they agreed to allow me to settle the debt for the original settlement amount from XXXX for {$1200.00}. I agreed to pay this fee and then I looked up the company and it does not seem legit! I got a receipt from them via email and also had to sign an agreement about the payment of which I still have the PDF for.

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 2019-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Card was charged for something you did not purchase with the card

Complaint:
Capital One Bank was hacked this summer. Fraudulent charges began to be made on my card soon after. I called to report the fraudulent charges, close that account, and foolishly agreed to receive another " XXXX XXXX XXXX Capital One '' card. Charges continued to be made - to my old account and even the new one before I ever received it. I called again and was assured that the issue was/would be resolved, and that I would be billed only for the ONE charge I made at the beginning of the first billing period. Now, two months later, I receive a bill from Capital One for one of those contested charges, made to a XXXX XXXX XXXX  in Ohio. I live in XXXX Texas and have never been to Ohio. I called to ask why I was sent a bill for a charge I had already contested. After speaking with a couple of " representatives '' and put on hold numerous times, I finally spoke with a " Fraud representative '' XXXX who tried to tell me that Capital One had given me " two credits for one incident, '' and that the bill was correct. I asked the very simple, logical question : How could I be billed for his company 's error in charging me for a " credit '' that I never received financially or physically? How could I owe Capital One something I never got a product, service, or good from? XXXX kept telling me the same thing over and over, " We gave you two credits and now we are billing you for the credit we gave you. '' I began to get angry and told him I was not XXXX ( college degree plus ) and that I refused to pay this bill. I told him I would report him and his company, and that I would contest any further charges from Capital One with the aid of a lawyer. Thirty minutes ( or more ) after my phone call began, XXXX finally offered to give me a " goodwill '' credit to " pay my bill '' and make it a XXXX balance. My complaint with Capital One is the HASSLE of having to ( 1 ) Make this call ( 2 ) Spend so long talking about a  problem that is Capital One 's fault, not mine ( 3 ) Go to all this trouble for a simple resolution for what should have resolved by the first person I spoke to. I can not imagine how often people mindlessly pay these types of " bills '' to Capital One, and how often they argue with their " customers. '' I will never again use anything connected to Capital One. If I get another bill from them for the reported fraudulent charges I will file a lawsuit!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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 sent the previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$5700.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$290.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: Paypal Holdings, Inc
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 days 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 ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
I sent letters to Experian, and XXXX  and they failed to respond after 45 days I sent more letters to look into then matter and explained because of non response the items need to be removed.

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 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2023-07-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I closed my credit card and there is a balance of more than {$1200.00} in my credit card. The company is not issueing a check until 2 statement cycles ( 2 months ) to refund my money. Not sure how the company hold my money for 2 months when I close my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-10-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

, Account name : # XXXX acct. XXXX Account name # XXXX XXXX acct. XXXX Accountname # XXXX acct. XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Midwest Recovery Systems
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:
There is an issue with a derogatory mark/account on my credit report that inaccurate. This was not means I have no knowledge of who/where/how this appeared on my report. I attempted to dispute the error and received a reply that the information is accurate ; it is NOT accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: JPMORGAN CHASE & CO.
State: WA
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 rewards from credit card

Complaint:
Chase offered XXXX bonus points on my Chase Sapphire card for opening a checking account with Chase and depositing {$75000.00}. 

I opened an checking account and deposited {$75000.00} there. 

In XX/XX/2019, I received an email from Chase stating that I will see the points on my next statement. 

I never got my points. 

I have called Chase probably 10 times, each time spending 20 minutes to 1 hour on the call. In addition to calling Chase, I have also called, and spoke with, the branch manager where I opened my checking account. The story they told me is as follows : ( 1 ) initially Chase mistakenly credited the points to a different credit card of mine -- a credit card that was not set up to get points. ( 2 ) then, they credited the points to an old account of the right credit card ( I had to get a new card because of fraud ). For some reason, the points were not transferred to the new card. 

Chase 's " research department '' started the " research inquiry '' process at least three times and each time erroneously closed it before talking to me and before resolving the issue. I have their phone number but they never pick up the phone and never call back.

Company response to consumer: Closed with non-monetary relief