BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Me and my husband have a joint account in Capital one bank for several years. I have always logged on on the bank site. My husband never created his login. 
On XX/XX/XXXX XXXX, when I logged on, I noticed that {$20000.00} had been transferred to a bank account in Washington state, from our account on XX/XX/22. We had never initiated this transaction, neither did any of us have any account in this bank in Washington state. 

We called the bank on XX/XX/XXXX about it. 
Someone was able to create a new login my husbands name, with new address, telephone and link / transfer funds to a bank in Washington state without any alarm bells going off in the Capital One bank security department. 
We were never notified about it by the bank about it by email, or via phone. 


Since then we have been calling the bank repeatedly about it. 
We were initially told that this fraudulent transaction will be resolved in 1 week but we have not received our money yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have had multiple problems with Chase bank. A few months ago I opened two business checking accounts with them in their branch, these accounts were closed without warning about 1-2 weeks after opening them. Later against my better judgement I opened a personal checking account with Chase. I transferred in funds from my other account outside of Chase. Again about a week or so after opening this account Chase closed this account unexpectedly. It has now been a month since the account was closed and they have failed to return the funds in the account. I have asked them to both return them to the original bank or send a check to the address on file. The first time I called them shortly after they closed the personal checking account, they said I would need to visit a local branch and verify my ID. I went into the local branch on XXXX XXXX XXXX XXXX XXXX XXXX, the banker at the branch said that a check had been mailed out and should arrive to the address on the account within a few days, two weeks pass and nothing. I call Chase again and they pass me off to their fraud department, the man I spoke to said that no check had been mailed out and that one would be mailed out in a couple days. A week later I call them again, and I get transferred to the fraud department again. The rep this time was at least honest and told me that in fact no check was ever sent out and that I would have to visit the branch once again and the branch would need to call the fraud department and speak to the directly so they could issue a check. Im having to find time during my day to make time if I can even do so to go to the bank to handle this. Im deeply frustrated by the lies they have repeatedly told me, the time that has been wasted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Paramount GR Holdings, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had a $ XXXX loan with goodleap and they were partners with XXXX XXXX XXXX since XXXX XXXX XXXX XXXX XXXX went bankrupt in XXXX XXXX XXXX have been trying to get my solar power system working for over a year and now since XXXX XXXX XXXX went bankrupt I can't get it fixed. However goodleap is still wanting the loan payment even though the system is not working. XXXX XXXX XXXX XXXX never had me fill out paperwork for the loan but they secured the money for me. I have tried to contact goodleap and they will not return my calls. I now have 35 panel system that is not working and is just sitting on my roof with nobody able or nobody that even wants to work on them because of the craftsmanship of the installation from XXXX XXXX XXXX XXXX I am not only paying for the loan but also still paying for my full electric bill that was supposed to be next to nothing because of how much I would be producing in solar power. I am not the only one that this has happened to. There are people from 9 or 10 states that all are dealing with the same issue. I just want out of this loan and the system taken off the house and my roof fixed and for everyone dealing with the XXXX that we thought we were doing to help us and the environment by going solar.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XXXX account open date XXXX XXXX XXXX  account open and closed date XXXX Experian credit report shows ex husband as co applicant illegally XXXX account I had a freeze it was unlocked XXXX. Police report identity theft no actions been taken by either buissness, police report been made also by a individual use my name different spell use my social security number ftc foia ogis reference number Unemployment with my social security number, insurance company disclose my information to ex SPOUCE illegally and my attorney information

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 2022-07-28
Company: EQUIFAX, INC.
State: PA
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:
Equifax deleted the wrong Fraud ( XXXX ) account. They deleted a non fraud account instead of the fraudulant one but in their explanation and corresponding message to my original CFPB complaint. They said they know I disputed it the account and took all proper protocol but yet they deleted the wrong account. The account that should of been deleted was ending in " XXXX ''. They deleted a perectly fine active account instead. 

The fraud account is still on there and along with that my account dropped another XXXX XXXX because of that mistake. The original complaint id is below. Please fix as soon as possible please. This has been going on for over 2 months now. 

CFPB Complaint Number XXXX Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX WE SHOW THAT YOU HAVE PREVIOUSLY DISPUTED THE SAME ITEM AND EQUIFAX IS EITHER CURRENTLY PROCESSING THAT DISPUTE & HAS BEEN DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had my mortgage with freedom mortgage since XXXX of XXXX. Prior to that, I had been paying my mortgage to XXXX XXXXXXXX. I have never missed a payment or was never late to make payments. I had my ACH set up with the companies for the past 5 years. 

Freedom mortgage sold my mortgage to Mr. Cooper in XX/XX/XXXX. I wasn't aware of this and as such, there was no ACH set up. I got aware of this situation in XX/XX/XXXX and as soon as I found out, I paid the entire amount ( approx. {$11000.00} ) the same day with Mr. Cooper. It was an honest mistake and Mr. Cooper 's representative told me they can dispute my credit and fix this mistake as they reported this. 
However, I called to confirm this, and they denied that they can fix this issue and were not at all helpful in navigating and helping me find a solution. They were very dismissive and they didn't have this same attitude when I initially called to make payment and set up the ACH. I am looking for help in figuring out how to fix my credit. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Credit Reporting agency has violated my consumer rights. After reviewing my credit report I noticed several inaccuracies, duplicate accounts, accounting errors, inquiries I did not authorize. 

The complaints were mailed on XX/XX/XXXX. XXXX by certified mail and the credit reporting agency failed to complete an investigation within 30 days. FCRA Section 623 ( a ) states that a furnisher of consumer credit reporting must correct or delete any inaccurate information within 30 days of a dispute. XXXX failed to provide any response or even an acknowledgement of my dispute letters. The following accounts are in dispute : XXXX XXXX XXXX Account # XXXX - XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX  # XXXX - XXXX XXXX XXXX XXXX Account # XXXX The Fair Credit Reporting Act also stats that consumers are not to have duplicate reporting of any account on their credit report. The following accounts are duplicates : XXXX XXXX XXXX Account # XXXX - LISTED 2 TIMES XXXX XXXX Account  # XXXX - LISTED 5 TIMES The following companies are reporting inquiries on my report that I do not recognize. CFPB 12 CFR Part 2002 Equal Credit Opportunity Act - states protects any consumer applicant from discrimination of credit transactions. 

XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX via XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 XXXXXX/XX/XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.

I have highlighted only a few of violations committed by this agency against me. I demand all the above information be removed from my credit file immediately. XXXX has had more than enough time to investigate, validate for accuracy and provide me this documentation and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: EQUIFAX, INC.
State: NC
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 XXXX has been reporting a chargeoff of {$790.00} since XXXX. I have never had a wireless account with them. I was on a family plan that was owned by my mother XXXX XXXX from XXXX. I have disputed this debt with all three credit bureaus numerous times. The debt is validated by the credit bureaus. They are refusing to investigate fully. I have called XXXX Recovery and Fraud department. They have verified that I do not nor have I ever had an account with XXXX. XXXX refuses to remove this line item from my credit. They are telling me that I need to file a fraud report. All three credit bureaus have continued to report this as well. This chargeoff has impacted my credit for 6 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX has been reporting a chargeoff of {$790.00} since XXXX. I have never had a wireless account with them. I was on a family plan that was owned by my mother XXXX XXXX from XXXX. I have disputed this debt with all three credit bureaus numerous times. The debt is validated by the credit bureaus. They are refusing to investigate fully. I have called XXXX Recovery and Fraud department. They have verified that I do not nor have I ever had an account with XXXX. XXXX refuses to remove this line item from my credit. They are telling me that I need to file a fraud report. All three credit bureaus have continued to report this as well. This chargeoff has impacted my credit for 6 years!

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 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, Dept of Education/ 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 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 2022-07-01
Company: DISCOVER BANK
State: TN
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:
I have tried resolving this issue several times via phone and disputing by mail. They are in direct violation of several FCRA federal laws. The laws are as followed : Section 609 ( a ) ( 1 ) ( A ) : I have requested they provide me with proof of this alleged item, specifically the contract, note or other instrument bearing my original signature. In which they have not done so. Failure in providing me with this information must result in immediate deletion from my report. 

In accordance with Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the FCRA that states with proof of identity theft that the information most be removed and blocked within 4 days upon receipt of the correspondence. Which I provided notarized copies of my police report and identity theft that I received from the FTC. Only to receive a response from the credit report agencies that the information remain and or updated. Which is a direct violation. 

In accordance with the Fair Credit Reporting Act your agency 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 consent or instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, 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:
On numerous occasions I have contacted the three major credit reporting agencies ( XXXX, Equifax and XXXX ). I informed them that they had incorrect information. My name was misspelled, they had aliases that I have never heard of. So much negative, misleading and false information that I would like removed. 

They have ignored each one of my letters with my request for them to validate and remove all negative information. I also provided my license and proof of address. Yet, they still ignore my requests

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account get closed without any notice. I contact phone number on the back of my card today on XX/XX/2022. The agent tell me they didn't close the account but the citibank close my account. I also called the citibank but no one of the customer service have access to my account. So I don't know where to ask and how to resolve this issue. 
The agent from Shop Your Way Mastercard told me my account get closed on XX/XX/2022. But the card is still in use until XX/XX/2022. So there is pending transaction even after account closed. There was a remaining credit on my account. I need to wait a few days to get a check of refund.

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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 non-monetary relief
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The Credit bureaus are reporting " time Barred '' information on my credit bureau files the following accounts : XXXX XXXX XXXX dated 2015 XXXX dated 2015 XXXX XXXX XXXX dated 2015

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 2022-07-01
Company: NAVY FEDERAL CREDIT UNION
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:
Wrong limit and balance reported to credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
With the consumer laws 15 USC 1666B states that a creditor may not treat a payment on mortgage loan account under an open end consumer credit plan as late for any purpose. 

Account # 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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my Credit Report I noticed that there is still account that is reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the account needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX XXXX XXXX XXXX Balance : {$150.00} Late Date XXXX  30 days late.

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 2022-07-01
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:
Wrong limit and balance reported to credit bureaus.

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