BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I told them that my wife stole my personal information and used to to take out cards and I didn't know she did it until she passed away and I can't file a police report on a deceased person. I'm homeless with my daughter and can't get an apartment now because my credit score is XXXX and it's not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit 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:
On XX/XX/2023, Capital One contacted me to verify if I had used my Credit Card XXXX at a grocery store named XXXX. They reported that the card was used twice for {$36.00} and {$74.00}. I responded that I had not, that I was not familiar with a store by that name, or any charges made there. Capital One then requested I initiate a fraud report, cancel the card, and allow them to replace it. I followed their direction, spoke to a fraud representative to confirm the last legitimate charges I had made, after which the representative informed me they would investigate & resolve the fraudulent charges. When I inquired about when the fraudulent charges would be credited back to my account I was told the credit would occur after the investigation. Capital One then locked the card and informed me I would receive a replacement. Approximately 7-10 days later I received the replacement card XXXX. About a month after the incident I contacted Capital One about the charges & credit and was told it was still ongoing- XXXX XXXX on the phone. I made two additional attempts ( XXXXXXXX XXXX each ), on each instance I received the same response except on my last attempt I was informed the merchant had 90-days to respond. 
It has now been over 90-days. The fraudulent charges have not been credited. I have not heard a word from Capital One about the " investigation '' or lack thereof. Since I pay off my entire balance on most months, I have presumably paid off the fraudulent charges as well so as to not be charged interest. And, yesterday, when I attempted to search for the merchant ( XXXX ) in the charges on my Capital One application, the app offered no results. Essentially, the matter is forgotten at Capital One despite being unresolved and in violation of their card agreement terms related to unauthorized/fraudulent charges. Aside from the horrific customer service and borderline predatory aspects, I believe this may be a violation of the Fair Credit Billing Act ( FCBA ). 
Fortunately, I saved screenshots and the statement both of which show the fraudulent charges. I also have every subsequent statement to support my assertion that they were never credited back to my account. 
I respectfully request the CFPB 's assistance in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-13
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage continuously applies my additional " principal only payment '' as a standard payment and deducts taxes and escrow payments from it. This has happened 4 times in the last 6 months. This requires me to login into my account twice each month ( once to pay and once to verify the payment was applied correctly ). It is an enormous waste of my time to have to verify they are doing their job correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-10-01
Company: Klarna AB
State: MS
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
/An order was accidently placed on XX/XX/XXXX to XXXX XXXX XXXX XXXX through Klarna.com and immediately cancelled the same day. They were kind enough to cancel and told me the money would be refunded to my checking account in 3 to 5 days. Fast forward the next day or two, I called Klarna to alert them about the cancellation by chat ( I have included my screenshots of the conversation ) ; ,2 ) I gave screenshots of the cancellation letters and my bank account. This csr did not help. So, I called Klarna and spoke with a rude and ridiculous person. For example, the csr was laughing and carrying on with whoever was in the background. After the 5th time of repeating the same story of what happened, I requested a supervisor multiple times ( more than 5 times ) but receive no one. My patience has run out here because this person clearly doesn't care! The csr said, " There are no supervisors! If you want me to beg for you then you need to talk to me! '' I was tired of her and her games! I asked, " what the F -- is the matter with you? '' and I told her that I did not want her help and said, " I will call back latter! '' I told the csr that I was not there to be made fun of or abused! Again, I called back XX/XX/XXXX. A new csr assured me that she processed the proper paperwork to refund the money back to my account. My account still has not been credited the {$49.00} due me! It has past 10 days and no money! Can you please help? 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim. ''

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 2023-10-09
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I was just alerted that there has been a hard inquiry onto my credit report from AMEX. I do not have ANY account with AMEX and have never opened a credit card with them. I called AMEX customer service and they said someone had opened a XXXX XXXX Account credit card in my name, they did not tell me where and when this happened and told me they would handle it and close the account. I need to know if my information or SSN has been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: General Motors Financial Company, Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I am paying off a GM loan for a car I had to return due to financial hardship in XXXX. I have made every monthly payment but missed the XX/XX/XXXX- I was changing the bank account from which I wanted to pay my bills- and didn't catch the missed payment. GM sent the loan to collections The loan now shows as " Derogatory '' on my credit report. I need another car as my vehicle was totaled in an accident on XX/XX/XXXX and I'm having tremendous difficulty getting an auto loan that I can afford due, in part, to the GM issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: DriveTime
State: NV
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 applied for financing from Drive time for a vehicle and despite having approximately {$6000.00} a month in income they were only qualifying me for XXXX a month and requesting that I pay a down for approval. I believe the financing team at this company is engaging in predatory lending practices. I was in a no fault accident and am without a vehicle currently trying to maintain XXXX jobs and caregiving for my elderly mother this is unacceptable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific records in my credit file that do not belong to me, or thatI have signed any agreement. The items I'm challenging have nothing to do with anytransactions I've done or authorized to gain products, services, or money. Please delete thefollowing items listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}

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 2023-08-21
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: Personal information incorrect

Complaint:
I contacted Experian at XXXX - on XX/XX/2023, to inform them that I have an I.T.I.N and there are mixing my credit report with two invalid social security numbers. The social security numbers do not belong to me and are associated with mailing address that I have never lived at. They verified my full name and mailing address, that I have lived at my current address for 5 years. They state they see my profile but because I have an ITIN they can not remove the accounts that do no belong to me. They state they system dictates what can and can not be removed and although they can see that its a mixed profile they can not remove because I do not have a valid social security number. They state they will continue reporting as the system does not allow them to clean my profile with an I.T.I.N. This is now preventing me from purchasing a home. I asked to be transferred to the escalation department and was placed on a " hold '' sounds like I was just placed on mute with no eta when someone will take my call.

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 2023-09-24
Company: EQUIFAX, INC.
State: MS
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: Investigation took more than 30 days

Complaint:
I have been dealing with these credit reporting agencies for three months and I haven't gotten any resolution they are complying with the laws set in place by our government, I have been treated unfairly and this has really caused me great stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went into my local JP Morgan Chase Bank in XXXX AZ on XX/XX/XXXX and filed a Sales Purchase Agreement per the contract and had my personal banker transfer XXXX to another Chase Account of the " fiduciary '' on the contract. I spent several months trying to finalize the transaction which ended up being a complete fraudulent scheme which provide forged international documents, false banking wires, and false contact information. I called Chase Bank in XXXX of XXXX and was told someone would contact me to help resolve the matter. I never heard back from them, I attempted to call the corporate numbers and spoke to someone in fraud but they advised me that it was not fraud and a " very fine line '' between scams and fraud and they had to get another department to help me then I'd be put on hold for a minimum of XXXX minutes before I had to hang up and I've sat on hold for over an hour on XXXX separate occasions with nobody ever picking up the call. Today I made another attempt and was placed on perma hold again. I want to file a complaint against JP Morgan Chase for avoiding my claim and in helping me to try to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened an checking account in BMO Harris bank online on XX/XX/2023 and it asked for all documents and selfies during the process of opening the account and let me create a online user account, add my other bank account and let me to transfer the funds. The funds were also deposited on XX/XX/2023 in my BMO account but I'm unable to login, so I called the CSR and they say I need to send the sensitive documents like ssn, and driver license to a email ID. This is the worst thing that a bank can ask its customer after letting the customer open, fund and have an online account. Why would I send my docs again that too to an email ID, which is the worst thing you can do with respect to security and identity theft. I asked them to close my account and return the deposit as check, but they said I still need to send the docs over email otherwise nothing can be done. This is so ridiculous and I learned my lesson about why you should not do banking with small banks and also when they don't have branches near you. I'll report to FTC and XXXX  and see what solution I can find.

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 monetary relief
Consumer complaint received 2023-05-18
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just started monitoring my credit in XX/XX/2023 and and was notified by XXXX XXXX that a medical collections account was placed in my name, that I have zero knowledge of, nor have I event been contacted by the agency to be made aware of this account. The only information I have on this owed debt is the following : Account Number : ( Unknown ) Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date Opened : XX/XX/2023 Responsibility : Individual Account Account Type : open Loan Type : XXXX XXXX Balance : {$980.00} Last Payment Amount : {$0.00} Original Amount : {$980.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Past Due : {$980.00} I want to file a complaint due to the adverse action take by this collection agency and it now affecting my credit report when they never reached out to me prior to verify if this debt is even mine!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: BlueChip Financial
State: WA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Today ( XXXX  ) I applied for a loan with the company Spot loan online. I received a letter stating they did not approve my loan due to not having a bank account. When I do. In fact I have 2 bank accounts. I have attempted to contact spot loan over this but all I get back is a confirmation email from them stating they will contact me with in 24 hours. 24 hours will be to late. I need to have the money ASAP. This is silly because I keep getting denied at a bunch of different lenders due to them stating that I dont have a bank account when I do. Just because it ain't XXXX XXXX XXXX or XXXX XXXX or a name brand bank shouldn't matter. My bank does everything those banks do. Plus more! My banks are XXXX Bank and XXXX. These companies are doing a form of discrimination over what they feel is not a bank when people do have them. I still have a routing number and an account number, they keep a ledger of all transactions. All the exact same as a bank. This XXXX of they dont fit into our policies is bs. Now I have to jump through hoops because these companies want to play games on what classifies as a bank or not. This should not be a reason why I am denied a loan that otherwise I would've qualified for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing in response to the debt collection notice I received from your company regarding the alleged debt that you claim I owe. I am requesting that you provide me with validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

EASTERNACCOS ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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: 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. 

XXXX : XXXX, XXXX : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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