BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am trying to manage my finances more closely, one way in which I can do this is via a website called XXXX. They help monitor your accounts for extra charges, overdraft fees, etc. but obviously require access to your account to keep on top of it. For some reason, Capital One are blocking this external website from accessing my account. I am trying to use this site to access MY own data, and I feel it is totally unreasonable they are stopping me managing my own affairs in a manner I would like to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: EQUIFAX, INC.
State: OH
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:
Equifax,  XXXX  and   XXXX   are reporting  XXXX  accounts on my credit file that is reporting inaccurate information. The  XXXX  accounts are  XXXX    XXXX   XXXX    XXXX  and  XXXX   XXXX . I have disputed.this information with the company and they have told me that their investigation is complete and they will not investigate. I contacted both companies and neither company is able to validate the information that is being reported. By law these accounts should not be reporting on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Somebody keep going online trying to get credit cards in my name and now I have  XXXX  new inquiries that I did not authorize and need to get these  XXXX  inquiries 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 2019-12-09
Company: EQUIFAX, INC.
State: TX
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 recently received paperwork from your company in regards to the disputed accounts on my credit file. I have yet to receive any type of corresponding proof that you performed an investigation of any type. I have contacted the creditors directly and provided you with the documentation, yet your company Equifax continues to intentionally harm and damage my credit. I have written you on ( 6 ) six different occasions regarding the so called verified/accurate accounts. According to the FCRA section 611 ( 15 USC 1681 ) you have 30 days to comply with my request and 15 additional days if needed which you have not. My ID and SS card were scanned in legible and clear you are in violation of the rules and regulations, therefore you must remove the accounts listed below for failure to investigate and or validate under section 623. Also, I have a host of non-account bearing and unauthorized inquirys showing as well and would also like to have them deleted. I am sure after review from your legal counsel you will adhere to the rules and regulations of the FCRA, less you are prepared to pay the steep fines which you have amassed ( 6 ) different request for failure to comply. 
I reviewed a new credit report dated XX/XX/XXXX and noticed that I have accounts that are inaccurate and in violation of the FCRA. Attached is a copy of the accounts and the listed violations for each. Note : these accounts were deleted from XXXX and XXXX last year and I am sure you received the information because you guys share it. Either provide the proof in the form of signed contracts, identifying documents, DL & SS card or any legal documents you received from the creditor which would validate your investigation or you must delete these invalidated and inaccurate accounts immediately. 
1. XXXX XXXX  ACCT # XXXXXXX for {$400.00} Furthermore, I have explained to you that I was a victim of identity theft. I have never had XXXX as a financial institution. Clearly you can see that but you insist on violating the FCRA and a blatantly attempting to do malicious harm to my credit. 

2. XXXX XXXX XXXX XXXX ACCT # XXXXXXX opened XX/XX/XXXX for {$22000.00}. 
Violation : activity on a closed account, inaccurate payment history, See Equifax print out. 
3. XXXX XXXX XXXX XXXX ACCT # XXXXXXX opened XX/XX/XXXX for {$10000.00}. 
Violation : activity on a closed account, inaccurate payment history, See Equifax print out. 
4. XXXX XXXX XXXX XXXX  ACCT # XXXXXXX opened XX/XX/XXXX for {$5900.00} Violation : activity on a closed account, inaccurate payment history, See Equifax print out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Everything has to be 100 % accurate on my credit report. 

The Credit bureaus have stated my account was a proper investigation but how is that possible if the open dates is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is grounds for removal they have also violated my rights under. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX late payments are 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
Consumer complaint received 2017-06-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
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:
Received an e-mail offering  XXXX  bonus points after spending {$500.00} wi thin three m onths.   I spent more than {$500.00} and the bank awarded my just  XXXX  points.   When I inquired, was told that offer expired the end of  XXXX ,  2017 .   Yet everyday, I receive the same e-mail offer from the bank when I log onto my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Nelnet, 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: Account status incorrect

Complaint:
I called and company acknowledged that it is incorrectly reporting XX/XX/2014 as 120 days late. It acknowledged that it reported XXXX and XXXX as current yet skipped from 0 to 120 days late in XX/XX/2014. Company has promised yet failed to deliver several times on getting this time updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: ALLY FINANCIAL INC.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a copy of my credit report on  XXXX   XXXX ,  2017  and notice Ally Financial were listed a agency that sold the debt to a collection as stated on the report and I am not responsible for this 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 explanation
Consumer complaint received 2017-06-05
Company: JPMORGAN CHASE & CO.
State: GA
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:
Please reference closed complaint  XXXX . This complaint should not have been closed. I am submitting another complaint based on the closed complaint because Chase Bank is lying. They have a record of my account in question and they are fully aware of the issue. Please see the reference below.  <P/> Chase Bank claims they have no record of this credit card account. Here is  the Chase Visa cre dit card account number they claim does not exist :  XXXX . I requested this credit card account be closed effective  XXXX     2015 in  an effort to protect my own finances since Chase Bank had no interest in protecting me from this fraudulent vendor.  <P/> Just to ensure you understand that Chase is fully aware of this issue, Chase Bank sent me a letter dated  X/X/2015    fro m CardMember Services,   XXXX   XXXX   XXXX ,  XXXX , DE  XXXX , signed by  XXXX   XXXX , Customer Service Specialist. The letter stated that Chase Bank was rejecting for refund of fraudulent charges fin the amount of {$10000.00} paid to  XXXX   XXXX  posted to this credit card  XXXX   XXXX ,  2015. I qu ote the letter as follows : " When we contacted the merchant to obtain a credit for your accot, they explained that they would not provide a credit because their cancellation policy advises at the time of sale. They also advised that the policy was " non refundable or non cacellable '' at the time of the sales. '' The vendor 's statement is totally untrue. I provided copies of the signed contracts to Chase Bank stating that there is a right to cancel and a full refund is provided.  XXXX   XXXX  has fulfilled nothing as promised . Chase has  to know that  XXXX   XXXX  is a scam company, as I stated in the previous complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-31
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: Information belongs to someone else

Complaint:
My name  XXXX   XXXX   XXXX , and  XXXX   XXXX   XXXX  is reporting an account that is not mine. I have done several disputes with all  XXXX  credit bureaus and  XXXX  and   XXXX   have deleted the trade line but Equifax has not. The account number being reported is  XXXX   XXXX   XXXX  #  XXXX , opened on  XX/XX/2006   , and the balance is {$11000.00}. I have even filed a police report in the city of  XXXX  Texas and sent this to  XXXX   XXXX   XXXX  but the trade line continues to reflect on my credit and it has affected me so negatively that I am not able to purchase my home.     I would appreciate any assistance you can provide since I have exhausted all other avenues in getting this removed from my credit report.     Regards.    XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : 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 2019-03-19
Company: ONLINE Information Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: JPMORGAN CHASE & CO.
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I sent payment via mail last Thursday. This is plenty of time and before payment was due. I am now being charged a late fee. I need this corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX  Credit report is reporting two mortgages from same lender, different addresses and balance amounts. Missing payment history for the month of XX/XX/2019. These two accounts reporting do not accurately reflect my credit report, as my debt to income ratio for a mortgage now doubles. Which would possibly make it difficult for me to obtain a loan or extension of credit currently. This is a violation of the Fair Credit Reporting Act. I wish to have this mortgage loan reported current, accurate and as one account not two.

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 2017-06-05
Company: 360 MORTGAGE GROUP LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
During  XXXX  a property tax dispute caused me to get behind on monthly payments to  360 Mortgage. 360 pursued what I deemed to be a wrongful foreclosure. ( Please see 2 prior CFPB complaints for details ). Fort unately the foreclosure was completely 'cured ' in  XXXX  of  XXXX  and all court action/s dismissed.     Even so, as of  XXXX / XXXX / XXXX  my home is listed on a public web-site as in foreclosure. Apparent ly 360 while pursuing a punitive foreclosure based on a very credible difference of opinion h ired  XXXX   XXXX   XXXX  to market my home for sale.  XXXX   XXXX   XXXX  then published information on my house, that as of  XXXX   XXXX ,  XXXX , has not been removed, updated nor corrected. I recently sent 360 and  XXXX  instructions to take down the false information and immediately stop advertising my house as in foreclosure or having been foreclosed.     This information has resulted in damage to my credit, my ability to get a new job and/or my ability to transact business.  360 Mortgage demonstrated bad faith throughout this process and their failure to remove this information and/or instruct their vendor to do so continues a pattern of horrible market conduct that should be punished. 360 wrongfully pursued fore closure and then continued to market my house for months directing others to publish false, inaccurate, and incorrect information.     I spoke with  XXXX  at length and they assured me they were simply following the direction  of 360. I put both 360 ( and it 's foreclosure atty  ) and  XXXX  on written notice of this issue. As usual, I have yet to get a response. 360 has again demonstrated unfair trade practices, and perhaps breached RESPA requirements/standards.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
in 2016 we paid over {$20000.00} in our escrow account for taxes and insurance. Ocwen Bank misappropriated these funds and gave us a {$6000.00} refund. However the taxes and insurance for that year came to {$4500.00}. Thi8s leaves {$9500.00} unaccounted for. I have tried to clear this up with them via telephone and they seem to not know what happened to the {$9500.00}. I have all the paperwork that  supports my accusation of misappropriated funds. The {$9500.00} was not applied to our principal it just disappeared. 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 explanation
Consumer complaint received 2021-11-15
Company: Amsher Collection Services, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whom it may concern A few weeks ago I received a call from someone claiming to be a debt collector asking me to pay {$54.00} and I should give her my credit card information so she can take the payment from me. I told her that I have no debt of {$54.00} from XXXXl because I never received a letter from them with my account number on it to be sure that this is a legit information. I XXXX a XXXX XXXX and my phone number is listed over the internet I received phone calls from all over the world from scammers so Im always extra careful. She called me a 2nd time and I respectfully asked her to not call me again like I always do with the scammers. 
Last week I saw my credit report and my score dropped drastically I found out that there is a new collection account on my report. 
I took a loan of $ XXXX and paid all my debts to repair my credit and I was doing pretty good. 
I called the collection company and asked them if they ever sent me a letter with an account number showing any legitimacy and they said that they did. I asked them the address they sent it to and they gave me an old address that I moved out from 7 years ago. 
I told her that the address is wrong and that they should start over the process and send me a letter to my current address and give a chance to pay for the debt if I owe it. The lady said that they will not start over the process and I must pay the {$54.00} and they will mark the collection as paid on my credit. This is more than unfair because I was never given a chance to handle this the right way and I will never give them my credit card information over the phone just like that not knowing if they are telling the truth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Movement Mortgage LLC
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:
I originally applied for a loan with Movement Mortgage on XX/XX/XXXX for underwriting. The loan ( XXXX ) was pre-approved and then transferred to Mortgage Loan OfficerXXXX XXXX on XX/XX/XXXX because he was licensed in Georgia. 

On XX/XX/XXXX, Movement Mortgage access my credit file unbeknownst to me and started another application for underwriting even though they had all the necessary documents. 

On XX/XX/XXXX, after I pressed the issue with XXXX XXXX, the Georgia branch manager, however no logic explanation was given. On XX/XX/XXXX, I terminated my loan ( XXXX ) and relationship!

Company response to consumer: Closed with explanation