BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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 made a payment for the past due amount of {$200.00} on last week & Capital One/Kohls hasnt posted the payment. As a result this has lowered my credit score & escalated my utilization. This error needs to be corrected immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: NY
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:
This is inaccurate, this should not be in my credit report, I demand it to 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 non-monetary relief
Consumer complaint received 2021-08-24
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I visited an XXXX XXXX XXXX on XX/XX/XXXX and order a XXXX  that was supposed to be delivered XXXX XXXX. It was not delievered. I reached out to XXXX XXXX XXXX and they advised that I needed to reach out to my bank in order to get the refund because the shipper was unable to validate who picked up the XXXX  or where the XXXX  was located. I submitted a dispute with Chime and explained this to them .. Chime then denied the claim and said that MERCHANT CONFIRMED THAT THE TRANSACTION WAS MADE AT THE PHYSICAL LOCATION. However, I NEVER said that I did not purchase the item. I said I never got the item, I never picked it up. It was NEVER SHIPPED TO ME!!! 

I went into the store, purchased it and it was supposed to be shipped to me. Never was. The item that was purchased was a car XXXX. Which can NOT be brought in a store. Which means that the customer never left the store with the item. For Chimes records I have attached a copy of the conversation with a XXXX XXXX XXXX Agent to confirm this information. Again, I need this claim re-opened and corrected. I ALSO HAVE ATTACHED THE COPY OF THE LETTER FROM XXXX XXXX XXXX Merchant verification or validation Merchant confirmed that the transaction was made at the physical store to justify the member provided an original receipt that confirmed the member received the item and service upon leaving the store merchant also breakdown the member charges. Compelling documents. If you wish to continue to dispute pls contact directly the merchant. 

HOW CAN A PERSON LEAVE A STORE WITH A XXXX PLUS POUND OF XXXX? 

WHEN THIS IS ALL SETTLED I WANT THIS CHIME ACCOUNT CLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
After receiving my consumer report from Transunion, I noticed a few fraudulent accounts. The FCRA intends to secure consumer rights to privacy, and my privacy has been breached. After stating the claim and disputing the fraudulent accounts, Transunion is still reporting on my consumer report negative/inaccurate accounts. Im reporting this activity to CFPB because my rights have been violated. Pursuant to Fair Credit Reporting Act, 15 USC 1681n, Transunion willfully failed to comply with the requirement under the provision of 15 USC 1681 ; therefore, Transunion is civilly and criminally liable for causing me mental anguish. I have attached all supporting documents along with my Affidavit of Truth and FTC report.

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 2017-05-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am writing today hoping you can help me, or at least let me know if there is anything that can be done. I live in New York. I applied online for a loan on Thursday,XX/XX/XXXX, and received an email from " XXXX XXXX '' of " XXXX XXXX XXXX '' stating I was approved. I called the phone number, which is listed as an XXXX TX number ( XXXX ). I spoke to XXXX XXXX and gave him my banking information so that his company could do transfer of a " verification amount '' to my account. I was told not to access my account, as I would invalidate the entire process. XXXX XXXX called me on Friday,XX/XX/XXXX and told me the money was there. He then said I had to return the money back to him via XXXX XXXX and once it was done I 'd be receiving the loan amount of {$2000.00}. When the XXXX XXXX  transactions would n't go through, he had me go to XXXX and purchase {$2300.00} in XXXX gift cards ( 23 cards at {$100.00} each ). After I photographed them and sent the codes to him via email I expressed my unwillingness to continue with the transaction. XXXX XXXX became irate, telling me if I did n't finish the transactions that he would contact my bank to close my account, and would also call the authorities to report that I had stolen the funds from them. On Saturday,XX/XX/XXXX I arrived at my bank at XXXX XXXX. I spoke with a personal client banker, told them I believed I was the victim of a scam. When he logged into my account it was discovered that this person/company put several claims into my bank to reverse several overdraft fees, as well as to reverse a {$3800.00} payment I made to my homeowner 's association onXX/XX/XXXX. The payment cleared and was in my homeowner 's association bank account on XX/XX/XXXX. Chase Bank reversed this payment, without verifying its validity with me via text or email. My Chase account is locked, I have no access to funds, my ATM card is restricted. I have no money. The homeowner 's association is demanding the payment be resent to them in its entirety or they will take legal action against me. Chase Bank and everyone else I am dealing with are treating me as the criminal, not the victim. I 've filed reports with the my local authorities, IRS, FTC, Better Business Bureau, Chase Bank, the " real '' company XXXX XXXX XXXX. No one is willing to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Reference No. XXXX XX/XX/2022 Canceled put in a refund request told that I had to wait 10 business days I made 4 complaints to the company and heard nothing I want the refund plus {$500.00} Reference No. XXXX XX/XX/2022 Canceled put in a refund request told that I had to wait 10 business days I made 4 complaints to the company and heard nothing I want the refund plus {$500.00} Both complaints are refunds are over the 10 business day policy time frame

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have had a credit card with Comenity bank for their Victorias Secret credit card. My payment due date has always been on the first of the month by XXXX XXXX. When i logged into my account to make a payment today at XXXX XXXX, i was notified that the cut off limit for payments that day had been changed from XXXX EST to XXXX XXXX EST. No mailing had been sent to me to notify me of the new terms of my credit card. Furthermore, i am signed up in paperless billing, and no e notice or email was sent to my account. Supposedly, I have had my late charge removed, but I have no confirmation of that. This is an extremely deceptive tactic and regardless of if my late fee is waived or not, government agencies absolutely need to follow up with Comenity bank on this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391.  Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F.  2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Dear CFPB - Unfortunately, I have XXXX student loans that went into default over the past several years due to financial difficulties. I have been accepted to a graduate program for the fall semester, and can not get new loans until my defaulted loans are taken out of default. In order to get loans out of default and on a payment plan, I attempted to consolidate all XXXX of my loans into a new consolidation loan with XXXX XXXX XXXX XXXX. XXXX of the loans were successfully consolidated. However, the remaining XXXX loans that are serviced by Nelnet are stuck in " limbo ''. My NSLDS account shows that these XXXX loans are held by Nelnet but went into default in XXXX 2014, almost 2 years ago. Nelnet customer service informs me that the loans are in the process of being transferred to a collection agency hired by the DOE and that this process can take an indefinite amount of time. When I contacted DOE, they informed me that the loans are still held by Nelnet and have no other information. I would like to consolidate these XXXX remaining loans with my new consolidation loan with XXXX XXXX, but for the last several months, neither Nelnet nor the Department of Education can tell me where these loans are and when they will be transferred to a collection agency. What am I supposed to do at this point?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: JPMORGAN CHASE & CO.
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had an account with CHASE bank in AZ.It was closed and my balance of around XXXX was sent as chaeque to my U.S mailing address.As i had left the country by then, the cheque was not recieved by anyone.When i contacted the bank they said that they need an affidavit indemnity attested by the US XXXX in my country.But they are not sending the document to me instead they want to send it to the XXXX via fax.But the XXXX is saying the document has to be brought in person for attestation.Please help me in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: IL
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:
This company equifax must remove the inquiries immediately. I didn't authorize these inquiries. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
To Whom it may concern : My name is XXXX XXXX, and I have been with Capital One Bank NA, for fours. I had some problems during the ending of XXXX, and beginning of XXXX, with being late due to XXXX. I have contact Capital One bank and have asked them to work with me on removing the late payments because they are affecting my credit. As you can see since then I have never been late on this account before in the past or previously. Please help me with this matter, I had perfect credit before XXXX and would like your help on getting it back into good standards. Thank you for all your help with this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: EQUIFAX, INC.
State: IL
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 requested the removal of a bankruptcy that is being inacurately reported on my credit report. It shows the Federal Bankruptcy Court as the resporting party and they advised they do not report to the credit bureaus. Equifax reported they used a 3rd party to verify the information which is XXXX XXXX. I have a security freeze on my account so they could not have " verified '' this information, and it shows the Federal Court as the Reporter of the account.
This is a violation of the FCRA because they are reporting INACCURATE information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
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: Information belongs to someone else

Complaint:
On XX/XX/2015 there was a loan taken out in my name. My exs uncle worked for the car dealership where the car came from. My ex was not able to get a car in his name, so my information was used, his uncle pulled strings, then my ex didnt pay on the car. He ended up getting XXXX, and leaving me with a mess to clean up. I am not responsible for this loan, or the payments, and I want this taken off my credit report. Theres a balance owed of {$16000.00}. I also know that someone now has the car and took over payments. This account needs to be removed from XXXX, and Experian. I tried to explain my situation to the credit bureaus, and dispute the charges. But they still wont remove it. Before my ex got XXXX, there was also a final XXXX XXXX that I had against him for his XXXX XXXX   me. The XXXX XXXX happened in front of police officers as well. And since my exs uncle works for the dealership, they wont do anything.

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 2015-09-02
Company: JPMORGAN CHASE & CO.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received updated XXXX XXXX report to XXXX an unknown debt by XXXX XXXX, " XXXX '' for " Chase Manhattan Credit Card '' ... this is probably a reaged debt opened in XX/XX/XXXX. I have not had any credit cards since XX/XX/XXXX except the ones I hold now presently. If this is proven to be my debt ... it is still beyond statue of limitations to report it on a credit report is it not? XXXX XXXX failed to mail any information to me etc to acknowledge this alleged debt. Is n't this illegal? What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Advertising and marketing

Complaint:
I signed up for a Chase Southwest Rapid Rewards XXXX card with the assumption that after paying a {$99.00} annual fee and spending {$3000.00} in the first 3 months I would receive a signup bonus of XXXX southwest miles. After 3 months I was sent a postcard stating I wasnt eligible because I had already recieved that bonus. Indeed, I received a bonus, however it was for the Chase Southwest Rapid Rewards PLUS. In the terms and conditions on the application page it says, " This product is not available to either ( i ) current cardmembers of this credit card, or ( ii ) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. '' Since I previously had the PLUS card I believed, and still believe, that " this card '' when referring to the XXXX card would NOT include the PLUS card. All my attempts to explain this to customer service were futile. They advised me to fax a complaint to the XXXX, which I did, it 's been around a month now and I have n't received any sort of reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from this company alleging that I owe them a debt and that they provided me with services. I have never done business with this company and nor have they provided me with goods or services

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 2021-08-24
Company: FIRST ADVANTAGE CORPORATION
State: NE
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: Information is incorrect

Complaint:
The company first advantage says I lived at an address for only one month. Says XX/XX/XXXX to XX/XX/XXXX. I lived there from XX/XX/XXXX to XX/XX/XXXX. I currently have a lawsuit against this rental company, XXXX, and I believe they are purposefully submitting false information. I am submitting this for myself. I also live in the same address currently that I lived in XXXX  rental properties ago and it failed to list it. This report says I last had a residence XX/XX/XXXX and this is just not true. I have been on a lease, save for one months time in a XXXX, since XXXX. And in XXXX it was the same address I live in currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
For approximately 2 years I have tried to dispute inaccurate information on my personal credit report with the three bureaus ( XXXX, Experian, and XXXX ) and XXXX with no success! Each time I attempt to get accurate information VERIFIED and/or changed or removed the bureaus send a letter back indicating " verified with the bureaus ''. Each time I contact XXXX directly to VERIFY accurate information is correct and being reported to the bureaus correctly XXXX will send copies of old account statements. 

When asking the three bureaus ( XXXX, Experian, and XXXX ) to VALIDATE that the items being reported by XXXX are correct since there are SO MANY errors across the bureaus I get a letter back stating " our information that is being reported is correct ''. When asking XXXX to VALIDATE information on my credit report because of the vast DIFFERENCES being reported across the bureaus XXXX does not respond or sends old statements. I have attached just the past correspondence to the three bureaus ( XXXX, Experian, and XXXX  ) and XXXX via certified letter for your review. I will also send you the new letters indicating the same. Lastly, I will send you just one of the many denial letters that I have been getting over the past 2 years from my creditors.

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