BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-05
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: Account information incorrect

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishesand after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed  below.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorde d and retained in your file at the _me of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributin g them  to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me w ith a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

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 2021-12-22
Company: Larry H. Miller Group of Companies
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I got a XXXX XXXX XXXX that was XXXX at purchasing I trade my XXXX XXXX and owe XXXX on it they told me they would give me XXXX. For the trade and pay it off. I asked for gap and exented warrant the frist contract had all of that and after two weeks of waiting I went back in ever thing was different and I didnt get the extra insurance now a month later the car is broke leaving me owing XXXX and no car

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
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:
Please refer to complaint XXXX. XXXX took the appropriate steps and removed the items with the same documentation and citations of the errors. Equifax 's response is not acceptable as they did not state they have removed the erroneous item.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Other

Complaint:
Over 14 years ago my wife XXXX XXXX XXXX applied for a Capital One Credit Card. She was granted a {$6000.00} credit limit and when the card arrived there was an offer for an authorized user to have a card as well. We sent in for one for me and I received it a couple of weeks later. For all this time I have not been able to speak to any one about this account without my wife 's approval and it does not show up on my Capital One on line account. I recently discovered that Capital One is reporting this as a joint account. I called in and their records indicate this is a joint account. I asked for my name to be removed as I believe it is wrong to report an authorized user as a co-applicant. ( I have another account that I applied for that is just the opposite, I am the applicant and she is an authorized user that is being reported incorrectly, but I 'll get through this one first ). The only way they will not remove my name. The only way to get it corrected is to close the account and pay it off. This is unfair to XXXX who received the credit on her own and there has never been a missed payment. Also I am stuck in a debt I did not apply for. I believe their records have been modified over the years and are incorrect. I would ask for proof that I was a co-applicant and if they can not demonstrate this I want my name removed and the account to remain open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Yesterday my credit report showed a hard inquiry for financing that I did not authorized. Contacting the financing company was impossible via phone call - so I left a message thru the " Contact us '' thru the website.   this is the company that reported a credit inquiry for financing that I did not authorize :  XXXX   XXXX   XXXX ,   XXXX   Finance Creditor Contact Details   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MI  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 explanation
Consumer complaint received 2015-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
In mid XXXX 2015 I observed an unauthorized purchase for {$230.00} from XXXX listed as pending on my account. I immediately contacted Capital One and informed them the purchase was unauthorized, and was told I was unable to dispute the charge until it posted to my account. Upon the transaction being posted I informed capital One verbally and via their online secure messaging system. I was initially give temporary credit, and Capital One disputed the charge. However, Capital One disputed the charge incorrectly. They did not dispute as unauthorized, the merchant disputed and the charge was reissued on my account. Capital One informed me the merchant stated the merchandise was received, I again informed Capital One that the transaction was unauthorized, I did not make the purchase and never received any type of benefit from the purchase. Capital One stated they incorrectly filed the dispute and would now file as an unauthorized charge. XXXX BILLING CYCLES LATER Capital One denied my claim, stating the merchandise was delivered to my home by XXXX. When I again stated I did not authorize the purchase or receive the merchandise, Capital One again said the merchandise was delivered to my home and opinioned that an individual who could have had access to my information such as a family member may have made the unauthorized purchase. My own research revealed XXXX delivered the merchandise to my home and left it without a signature and the delivery was not in my name. When I informed Capital One of this information and suggested that if someone was expecting the package since it was a scheduled delivery via XXXX, perhaps the individual removed the merchandise from my front stoop, Capital One said that could never happened. When I informed Capital One that since they took over XXXX billing cycles to resolve the issue, as per Federal Regulation they could not hold me responsible for the purchase, Capital One agreed they had the initial dispute over XXXX billing cycles, but their fraud unit did not and therefore the Regulation does not apply. If Capital One properly filed the dispute as unauthorized from the beginning there would have been no issues, why should I be penalized because of Capital One 's negligence?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received a letter from the court stating they do not furnish information to any third party including Credit Bureaus, there for the Tax lien and Bankruptcy that has been placed on my credit reports stating the information came from the court is false and was placed on my credit report illegally and must be deleted.

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 2021-12-22
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The report shows evictions that never happened in XXXX NC for Housing Authority. I was already being over charged at this place, discfiminated against, lost mkney orders when i knew i paid these people. Ive been denied housing several times here in SC due to false information reported on my tenant background. Ive made complaint after complaint about false information on my background. It shows... .US Treasury Department XXXX XXXX - XXXX & Blocked Persons..which could explain why when ordering things online everything is made in XXXX or XXXX, or when services are rendered at the hospital doctors that i didnt see are showing up on medical exams, or why foreigners are being on all my calls when calling out allmy calls are rerouted to foreigners or overseas, this explain why XXXX packages shipped to other peoples houses from me doesnt actually ship there it comes to my house with my name not theirs ... the orignial person thaf i was sending it to. This explains why all my devices brand new no matter what when making a purchase it shows me buying more than 2 devices or equipment at the time of purchase. This explains why one credit report shows XXXX XXXX XXXX with different information than XXXX XXXX or XXXX XXXX XXXX. All my credit reports shows falss informatiom such as addresses, phone numbers, medical bills, names i dont use, loans i didnt take out, phone bill accts not mine, etc. Im being attacked harmed brutally visioucly denied medical treatment for the false information linked to me and my kids XXXX and XXXX. Me and my kids are dealing with health issues that these doctors claim they canf find out whats wrong but really know... .im starting to believe. If you check evem with XXXX XXXX my social isnt linked to my own account. When trying to activate my debit card for my bank it said my phone number isnt linked to the card but the bank saids it is. I got an Experian Alert stating a change of address was made but when contacting USPS they said it wasnt. When calling to activate new XXXX Business Services ... customer service showed me ordering 4 devices with sprint and showed me calling in from phonw number XXXX. Please help me and my kids are innocent. I filed complaints with FCC someone reached out at said my phone service wasnt even with XXXX XXXX it showed XXXX and thats false. I know where i started up services. Im paranoid and mentally going insane sometimes feeling like death is my only way to get peace... nobody will help. Synthetic Fraud, Sim swapping fraud, bank fraud, drivers license fraud, etc is the key to me and my kids case.

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 2021-12-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open an account with Chase on XX/XX/2021. On XX/XX/XXXX, they sent a letter to me, notifying me Chase would not allow me to open an account, even though I had received a card, used online banking, deposited a check, and spent money already. I dont understand why they sent me this letter, since I had everything set up and running already. The reason why I couldnt open an account was XXXX, but Ive never been overdrafted, dont have a credit score, and have never had a bounced check. I dont know why I cant have an account, please help me through this process to get my account up and running.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I REQUESTED FROM TRANSUNION TO REMOVE INCORRECTSPELT NAME OF XXXX XXXX AND INQIURY BY XXXX ON XXXX/XXXX/2015, THAT WAS NOT AUTHORIZED BY ME.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Optimum Outcomes reported XXXX medical bills on my credit report. I did not received notice of right to dispute before they showed up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am attempting to dispute a debt that i do not owe. The alleged debt is for a store card that i paid off XX/XX/XXXX. I received my final statement from them, validating that i did not owe anything on my account XX/XX/XXXX. As a matter of fact, my account had a - {$10.00} balance on it as i hade made a return after i paid off my balance. Regardless, i did not owe them anything. That was the last i heard from them as i have not used that card since. The in XXXX of this year, XX/XX/XXXX, i received a letter from XXXX stating that they bought my account and that i owed {$390.00}. I immediately disputed this claim, sending them the last statement i received in regards to my account. I requested they look into the matter. In response, they sent me the XX/XX/XXXX statement showing i paid my balance in full, I paid {$10.00} more to be exact because of the return. The statement they sent me clearly showed that i owed nothing, yet they still claimed i owed the {$390.00}. I mailed them again requesting validation as to how a - {$10.00} balance turned into me owing the said amount on my account. They mailed me no such validation, simply a letter stating that their records show i owe the said amount and if i wished to dispute it i should send documentation that the account was paid off, which i had already done previously. I am beyond frustrated with this whole situation and their handling of this matter. Upon investigation if this company, they have had multiple complaints against them, including multiple government actions and subsequent ruling against the company for violations of the law regarding debt collections, attempting to collect debts from the wrong people and the filing of false affidavits in court. 
XXXX XXXXThis company needs to be shut down so they cant harass and scam anyone else. They obviously have learned nothing from their past wrong actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Recently while evaluating a Modification proposal from Ditech a number of issues were noticed which made acceptance impossible. In order to actually finalize the modification terms ( which were subject to change ) I first had to make 3 Trial Payments of {$2100.00} .This amount is higher than my original mortgage payment and certainly would not be manageable and would likely just result in another default. ( What is wrong with this picture?? ) The whole proposal is too vague and the unpaid balance is way out of line ( {$370000.00} vs my balance of {$280000.00} when I defaulted due to unexpected loss in income. Next was an estimated market value given as {$330000.00} on XXXX XXXX, then on XXXX XXXX in another letter the market value stated was {$320000.00}. Big drop in just 14 days ( Questionable info ). Last but not least-On the statement I receive each month it shows my regular monthly payment to be {$2100.00} and now recent statements show the payment as {$2200.00}. Why the big change ( No explanation ever given!!! ). I have offered other suggestions for possible remedy, but nothing seems to be taken seriously by Ditech or XXXX XXXX. My situation deserves a creative solution and I am still waiting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made a payment of {$1000.00} to be applied to principal in addition to my regular mortgage payment XX/XX/2016. DiTech financial applied as an additional mortgage payment, not to principal. I 've contact them via telephone and email and they simply send me letter telling me that they are reviewing the matter. They still have not applied the additional payment to the principal as of XX/XX/2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
In the latter part o f XX/XX/XXXX , I w ent to  XXXX   XXXX  in  XXXX  NJ to purchase a  XXXX   XXXX   XXXX   XXXX . I went with very good credit and an excellent job. Yet despite these factors, I was granted a subprime loan b y Capital one at a rate of 12 %.  It had always puzzled me as to why I was directed to them and given a high-interest bracket loan when I had very good credit and a stable job. In addition, in   XX/XX/XXXX I had  paid off a previous auto loan for a used  XXXX   XXXX   XXXX  ( purchased in  XX/XX/XXXX  )  to  Capital One. I strongly feel as an   XXXX   XXXX   woman I was deliberately targeted and steered towards a subprime loan si mply because of my race. Capital  One  and the auto dealership colluded to give me a base car with a padded high-interest rate to their benefit. Capital  One  took advantage of a good credit worthy customer by issuing me hiked up loan. This loan caused my financial life to collapse. A domino effect began. I struggled to keep up the payments and was able to do so until my employment ended in  XX/XX/XXXX . In   XX/XX/XXXX  Capital One  modified the loan and lowered it a mere  1.25 % and stretched it out 3 additional years which is still p redatory in nature. Here it i s  XX/XX/XXXX  and I am  still paying for this car. I have asked them to close up or end the terms considering that I was scammed ; however, they refuse. I do n't have the credit worthiness at this point to do anything else with my finances. I am literally in bondage to this loan and it has hurt my family and my ability to maintain other areas of my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: JPMORGAN CHASE & CO.
State: NY
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 applied for a EIN through a website that i thought was the IRS because of the web address said IRS. Chase did not charge back the merchant for their " services ''. This was a fraudulent charge of {$240.00} to my credit card. The company that charged my card doesnt exist on the CFPB site or the XXXX. XXXX XXXX XXXX  is what the web address was and showed up first in XXXX. I thought this was the IRS and that it cost {$240.00} to get an EIN. Chase did not research or charge back this charge to the merchant as fraud. They didnt offer to shut down my card and get me a new one i had to request they do that since the company is clearly outwardly defrauding people into thinking they are the IRS and filing with them is the way to get your EIN. I want my {$240.00} back from chase and i want them to file it as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: U.S. BANCORP
State: NV
Product: Credit card
Issue: Delinquent account

Complaint:
I had a Fidelity XXXX issued by XXXX XXXX XXXX. It was closed out with a balance XX/XX/XXXX. I was making payments faithfully since then. Fidelity then closed out their agreement with XXXX XXXX XXXX XX/XX/XXXX. I received no notice of this. 
The account was sold to Elan Financial Services XX/XX/XXXX. They claim to have called me repeatedly regarding the overdue amount, but my cell phone records indicate no such calls or voice mails received. I also never received any letters from them stating they would report me as delinquent to the credit bureaus. 
As of today, a " 60 day past due '' indicator showed up on all XXXX credit reports. In violation of the FRCA, I was never notified of any past due amount, nor their intent to report the deliquency to the bureaus. 
I travel for a living and need to be able to rent cars. While I know you can use a debit card for this purpose, it 's harder.

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 2017-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX   XXXX   XXXX   2006 , is reporting that my account with them is open. It is closed and they need to report it closed. They sold it to  XXXX   XXXX   XXXX . I was always current with them.

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