BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to set up bi-Monthly payments with them, however, they are not affording me the opportunity todo so. I requested an email to print out the form to sign, since they claim that legally, they have to.. even though I can call them at any time and make a payment over the phone. Never got the email, so I had them mail it, never reviewed it in the mail. After several calls, I finally got the supervisor on the phone and they sent me an email. However, after clicking g the link in the email, a message popped up that I did not have permission to view the document. 
If I set up these payments, they wont make as much money in interest in the long term. So, I believe what is going on has to be illegal. If I manually do the payments myself, they will hold the first one till they receive the second, so I accomplish nothing. I have never had this issue before with any other mortgage company. I am being misled constantly on this matter by them and I hope I can get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions 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:
I have written all 3 credit bureaus several times and disputed two bankruptcy filings that show on my consumer report. Furthermore, It has been more than 30 days for the bureaus to respond and delete this from my report. Finally, I have written to the United States Bankruptcy court myself to find out why they were reporting these bankruptcy filings as mine. The court issued the attached letter which clearly shows that neither of the credit bureaus contacted or verified anything! I humbly request your department to look into this matter and FORCE the credit bureau to follow along and not further escalate this matter by depriving me of all the protections given to me with the Fair Credit Reporting Act. Thank you.

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 2022-10-22
Company: JPMORGAN CHASE & CO.
State: CA
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:
I onderdeed a part for my car from XXXX XXXX XXXX  in XXXX XXXX XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX on XXXX XXXX, 2022. Their policy states that it takes up to 10 business days to receive the part refer here XXXX XXXX XXXXshipping However, it took until XXXX XXXX for my Mechanic XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) XXXX to receive it. I had to call the vendor up to 10 times to make sure they were going to send it and got numerous excuses from them. Upon working with the transmission, the mechanics had determined that the item ( sent to him directly ) turned out to be defective. He said he was going to file a dispute with XXXX XXXX XXXX. The vendor said I would have to contact them directly. 

I contacted the XXXX XXXX XXXX regarding the dispute and they gave me two options : refund or replacement. I chose the replacement option and was told that they already have the part in stock and that they will send it through their quality assurance department and will send it in 1 week. That was on XX/XX/2022. So that would take us to XX/XX/XXXX for shipping out date. They took me through the same conversation that it will be sent 3-4 days plus up to 10 business days for delivery based on company 's policy. I spoke with the person named XXXX  who actually never finished the conversation and hung up in the middle of it. It has been 26 business day since then and the vendor has not beer returning my phone calls.

Since I have not been able to get ahold of the vendor and have not had a single update, I decided to flag this transaction with my Chase Credit card. I reached out to them XX/XX/XXXX to explain the situation. The rep told me to go back to the vendor since they do have a 5 year return policy. I explained that I couldn't get ahold of the vendor but was told that the issue is completely on me and they can't help me get the money back. 

Today, I have received an electronic communication from Chase stating that my request for investigation is denied stating the purchase did not meet the return policy guidelines. Which is incorrect since the return policy is in fact 5 years AND the vendor themselves had agreed that they would issue a new part due to the defect. You can see the policy here XXXX XXXX XXXX  The Chase XXXX XXXXXXXX never asked me to submit any type of proof of what happened or any paperwork describing the vendor 's policy. They simply rejected the claim without any investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2023 I attempted to close a key bank checking account, the agent on the phone stated they would start by closing the debit card associated with the account then the account itself. After closing the debit card the agent informed me they couldn't close the checking account due to the pending debit card closure. I couldn't understand how this could be the case but was assured they would call back to close the account. I did not receive a call and the account was overdrawn by the maintenance fee. When I called again today XX/XX/2023 I was informed they would waive the fee, but again they could not close it due to the " pending transaction '' of waiving the maintenance fee. I stated that I have now requested twice to have my account closed and been denied. The agent assured me again that they would " call back '' when the transaction finalized, but that again they wouldn't close it today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX  : {$160000.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX  : {$3500.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$2000.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$4500.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$860.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$390.00} ). Its been over 45 daysand TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-09-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
My identity was stolen me and my family of XXXX will be facing XXXX  due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft.which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the fraudulent inquires and accounts deleted now and stop account from being active now : XXXX XXXX XXXX, XXXX XXXX, XXXX also please remove all consumer statement XXXX advised before they hold incorrect phone numbers my phone number is XXXX only, XXXX XXXX XXXX Is still on my file which is really hurting my credit from fraudulent activity I want it removed this an ongoing issue also my ssn is XXXX bank statement attached drivers license attached social security card attached as well and I been asked for a freeze this is why this is a continuous issue please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23
Company: EQUIFAX, 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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Account number XXXX, Date opened XXXX, XXXX, Original amount {$16000.00} ), XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Original amount {$6000.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3100.00} ), XXXX ( Date Opened : XXXX, XXXX, Balance : {$3500.00} ), XXXX  ( Date Opened XX/XX/XXXX, Balance : {$5100.00} ), XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3400.00} ), XXXX  XXXX  XXXX  C ( Date Opened : XX/XX/XXXX, Balance : {$8800.00} ), XXXX/XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$340.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX Bank recently pulled in credit info on XX/XX/2022 without my authorization to do so. I never requested nor have I inquired about any products or lines of credit from XXXXXXXX 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 2022-10-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM NOT AN AUTHORIZED USER ON THIS ACCOUNT AND THIS IS BEING REPORTED ON MY CREDIT, IT NEEDS TO BE REMOVED, THEY ARE RUINING MY CREDIT OVER SOMEONE ELSES CARD XXXX XXXX XXXX Account number XXXX Amount past due {$480.00} Status Late 120 Days Type Miscellaneous Banks Creditor Address XXXX XXXX XXXX XXXX, XXXX XXXX, SD, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: OH
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:
In XX/XX/2020 I was furloughed from my job that I held for XXXX years at XXXX XXXX. Through NONE of my own decisions, choice or actions did I want to lose my job. The government shut us down because of Covid. I was in no way shape or form prepared for what that entailed for the next couple of years. Prior to the pandemic, I had a 100 % payment history, not one single collection or negative mark whatsoever on my credit report, check and see for yourself. I didnt ask to be furloughed, I didnt ask for not a single bit of that traumatizing and life altering event in my life. Now the end result of not being able to pay my bills, about 15 negative collections on my credit report, I lost my vehicle to repossession when it was so close to being paid off, XXXX cant even get a loan or a bank account at this time. Im nothing but a huge risk to everyone. Why? Because I lost my job due to a global pandemic that I had no control over?! Thats insane. I absolutely feel like people who were in the same boat as me should be given leniency and these negative things be taken off of our credit reports immediately. This is not fair at all. Covid has literally ruined my credit that I worked so hard for and now Im being punished extremely wrongfully due to something out of my control, a world wide disaster. I am a Government employee now, Department of Treasury, and I can not even open up a checking account at XXXX XXXX XXXX due to this. I feel like this is such a huge issue for some of us and I will not stop fighting until we get the relief we well deserve. Please, mentally and emotionally and physically, Covid has reeked enough havoc in our lives, now we have to live with this affect as well!? Im genuinely a good person and I would appreciate it so much if we could do something, anything, to help us people who are still being punished by that nightmare. Please take what I have said into consideration and I pray that you can put something into place to help us go back to a semi normal life again. Its been enough for way too long already as it is. Thank you for your time and understanding. Looking forward to hearing back from someone soon. Thanks again.

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 2022-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Credit profile shows unauthorized inquires on report. 

XXXX, XX/XX/2022, XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX NA, XX/XX/2022, XXXX XXXX XXXX XXXX NA, XX/XX/2022,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance. with fair credit reporting act XXXX account # 15 USC 1681Section 602 States I have right to privacy 15 USC 1681 604 A Section 2 : it also states a. consumer reporting agency can not furnish my account with out written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as for a late payment

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 2022-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I filed a previous complaint against Bank of America, complaint ID # XXXX because BofA allowed unknow criminals to transfer money from my credit card without my knowledge or consent to my checking account and then perpetrate a Fraudulent " XXXX '' transfer to unknown criminals. BofA failed to call me on my phone which they have had on file for decades. In the past Bank of America declined transactions deemed suspicious to a " Roofing company '' working on my Texas property, causing me to call them on my cell phone number on record to have them approve the transaction. BofA never called me on the phone number of record during this fraud scam, even though the amount was higher than my other transactions which were denied. 

On XX/XX/2022, I received CFPB follow up email informing me that BofA responded to my complaint that it is still working on my issue. But Bank of America instead transferred my credit card balance including the $ XXXX fraudulent debt to " XXXX Bank '', TEL # XXXX in an apparent effort to avoid their responsibility and damaging my credit score. Note that in the 30 years I have been a BofA customer, I never been late in paying. I however told them that I will not pay for a Fraudulent debt nor the interest and would pay if thye remove the Fraudulent debt

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 2023-04-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX account # XXXX, as well as XXXX XXXX XXXX account number # XXXX, XXXX XXXX XXXX XXXX account number # XXXX, XXXX XXXX XXXX account number # XXXX, XXXX XXXX account number # XXXX XXXX XXXX  account number # XXXX & # XXXX has violated my rights 15 U.S.C 1681 section 602. A states that I have the right to privacy 15 U.S.C 1681 section 604. A section 2 it also states a consumer reporting agency can to 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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There is a inquiry that I do not know about on XX/XX/ 2023 I never applied 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 2022-09-18
Company: MAGGUILLI LAW FIRM, PLLC
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A letter was sent to me in XX/XX/2022 to my previous address. It was from a law firm, Magguilli Law Firm , PLLC from XXXX, NY attempting to collect a {$1500.00} debt on behalf of XXXX XXXX XXXX XXXX. They wanted me to contact the Law firm and to make a payment through their website XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2022-10-24
Company: EQUIFAX, INC.
State: MO
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 items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these items, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$58000.00} ; XXXX  XXXX  XXXX Balance : {$11000.00} ; XXXX  XXXX XXXX Balance : {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these items, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$58000.00} ; XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX  XXXX XXXX Balance : {$22000.00}

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