BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-27
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:
XXXX i sent a letter regarding inaccurate and unknown things on my credit report to this day over 120 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 120 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: STERLING JEWELERS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There was a late payment in XXXX which was a error on their behalf. I am always on time with my payments as you can see with my documentation. They told me they will remove it they havent still they keep giving me the round around I never had this problem with Kay Jewelers before. Not only its on XXXX also on my XXXX and XXXX. They need to get it together this is the second time Ive been trying to be convenient with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The bank never sended the statement of my account. Im trying to access it and the profile user id says that is invalid username with my username.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls about twice a week. Does not leave message on my phone. Havent gotten any mail about what it is.

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 2020-08-19
Company: EQUIFAX, INC.
State: GA
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:
I have sent several letters to XXXX/Equifax, and XXXX  inquiring about information/accounts listed on my credit report that is inaccurate. I have asked for the account/information to be verified several times via the letters I sent. I also asked that they please send me copies of the documents that you have in their files as of my last letter that they used to verify the accuracy of the accounts on my credit report. 

They have continued to send me a response stating that the accounts/information was updated and verified but have not sent any supporting documentation. 

I did not ask for anything to be updated. I asked that the inaccurate accounts/information be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I believe the company is possibly involved in an unfair and illegal practices when it comes to consumer credit cards. I was sent a pre-approval from Chase due to my excellent credit, which I accepted. After completing the application, I was informed that I was approved for a $ XXXX credit limit. After receiving the physical card in the mail, I created my online account and discovered that the card shows as " closed ''. I called Chase customer service department to inquire as to the reason. After being transferred numerous times, and speaking to numerous associates, I was finally advised that the card has been closed due to the bank 's discretion and that I my credit history does n't meet the chase preferred credit card requirements. This upset me as I was just approved 4-5 days earlier and had not even had a chance to use the card. If there was something in my credit history to condone closing of the card, this should have been done in the 1st place and the application should have been not approved/declined. Now Chase card appears on all of my credit bureau accounts as a closed card by the creditor. It is my understanding that its an illegal practice, much like what XXXX XXXX has been doing and has been fined by the US government. Chase bank approved my application, their associate received the credit for it, and now 4 days later they are closing the card and impacting me credit history negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 did a hard pull for 1 account 3 times in one day. XX/XX/XXXX I do not recognize anything named XXXX on XX/XX/XXXX XXXX also pulled 2 times within 30 days and i was informed it would be once XX/XX/XXXX there should be no inquiry from XXXX XXXX on XX/XX/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 2022-06-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX and Equifax have not deleted and removed : XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX  ) From my account. It's been over 60 days. 
I have supplied court ordered documentation to remove discover card and synchrony bank from my report. Proven fraud and acknowledged by NY Court System and XXXX XXXX  ( documents attached ) ****XXXX  is the only one that has compiled. 

Can you please help? After 30day and with proof of fraud with a court ordered document to remove. XXXX and Equifax continue to ignore my numerous ( in writing, online and phone ) requests for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
This problem has to do with the XXXX XXXX XXXX  XXXX. We have had this card for many many years and never had a problem receiving the statements and being able to make our payments on time to the XXXX XXXX website. In XXXX 2017 we went to the website that we have used for many years to log in and make the payment and was directed to a website for Capital One. We called the phone number on the XXXX XXXX statement we had received for XX/XX/XXXX and spoke with a representative and was told that the XXXX XXXX had been transferred to Capital One and that we would have to register for online services. We went back to the XXXX XXXX website and when Capital One came up we tried to reregister. We were unable to reregister as we did not have a 3 digit code from a current credit card they were requesting. We then called back to Capital One and was told by a customer representative that we would not be able to reregister for on-line services and be able to pay our bill on line like we have done for many many years as we did not have the 3 digit code they were requiring. We were then transferred to another customer service representative and was told the same thing. We have never had a returned payment or a late payment to the XXXX XXXX. We were told we could make the payment due for XX/XX/XXXX by a customer service representative. We asked to be transferred to a customer service representative that could take a payment. We were then transferred to another representative and the representative took the payment. When we mentioned that we had spoken to 2 other  representatives we were told that either one of them could have taken the payment. XX/XX/XXXX payment was paid on time. 
We did not receive a XX/XX/XXXX statement. We called Capital One to see about the statement and the representative could not see where a statement was sent to us. I asked how are we to know the amount due and the due date and was told we would have to call in. When I asked for a mailing address I was told it would take 12 days to process a payment as we do not have the statement remittance that would be returned to them along with the payment. 
We feel this needs to be looked into with Capital One. If they are taking over the XXXX XXXX the existing XXXX XXXX customers should be able to receive statements and make their payment on-line if they choose to. It seems that Capital One is not sending out statements so XXXX XXXX customer will not make their payments and the account will become delinquent and be reported on the credit bureaus as a bad debt and hurt the customer. 
Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have XXXX hard inquiries on my credit report. Out of the XXXX there are XXXX that are accurate. I did not authorize anyone to check or approve my credit. I have contacted the companies and I was told multiple times to contact the credit bureau, identity thief or someone else. No one has fixed it. I need these XXXX hard inquiries gone as fast as possible. I am trying to purchase my first home and I need my credit score to  be in good standing or constantly increasing. Like I mentioned before there are XXXX inquiries XXXX XXXX, and XXXX XXXX that are accurate. But the remaining XXXX are fraudulent inquiries of some who tried to use my name to get credit cards or a co-signer or get a vehicle. 

The XXXX fraudulent inquires are : XXXX XXXX, XXXX XXXX, XXXX XXXX. I have a XXXX  XXXX card, that is the only credit card I own, and I 've never tried to get a XXXX card. I currently have a vehicle that I 'm not trying to replace so I 'm not sure where this XXXX and XXXX XXXX came from. Fraud!!!! I need someone to take care of this problem and remove these fraudulent inquiries off of my credit 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 explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, 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:
I have attached 4 FTC reports with inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
on XX/XX/XXXX I deposited 2 checks thru an atm at BOA into my personal checking account at BOA.. both checks were drawn on local banks from tenants who have been paying me for long periods -- one for 15 years and the other for over a year, amounts were the usual monthly deposits ( nothing out of range ) .. there have been no history of failure to pay from these payers or their accounts.. the amounts were roughly XXXX and XXXX and I had over XXXX XXXX  in my checking account.. I received notice from BOA that the checks ( local banks mind you with good history ) were going to have a 7 day hold, including a weekend which now became a 10 days! the next day I deposited another XXXX and it was only held for 2 days ( the usual ) usually BOA has a 2 day hold which is reasonable.. I feel this hold is excessive, arbitrary and wrong. and was automatically done by a machine and customer service refused review it or to discuss with me, they hung up on me.. it jeopardizes my ability to get my mortgages paid ( all due the XXXX at the latest ) the hold ( is so long.. I want to know when those checks cleared!

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 2017-10-18
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Ref Order Number : Zales Order Number : XXXX, Zales item Number : XXXX. On XXXX XXXX, 2017, I ordered a dual ruby heart ring for my wife for our 50th anniversary. The ring arrived on or about 10 days after the order was placed with Zales.com. The ring is only worn whenever my wife goes out for dinner or other special occasions. On, one of those occasions, she noticed one of the ruby hearts was missing. I contacted Zales online, via an email, if there was a warranty regarding a replacement of the ruby heart stone ; however, Zales did not respond by email but by phone and advised to take the ring to a Zales store and there was no warranty for the ring. Due to the response from Zales was via telephone, I have no way to prove what was said in the conversation. The nearest Zales store is about a 2 hour drive from my home and due to the distance is the reason I purchased the ring online. A short while later, after learning I could dispute the sale through the credit card bank that issued the card ( XXXX ) due to a flaw in the ring 's construction which permitted the stone to fall out. Consequently, I wrote a letter to XXXX XXXX with a photo of the ring attached that was taken from the Zales Online display for the ring. In the image, it shows where there are little catches on the top of the prongs that holds the stones in place ; however, the catches are not on top of the prongs of my wife 's ring and, therefore, the ring is flawed. I sent a copy of my letter to Zales of my letter to XXXX XXXX with a copy of Zales photo also attached. Over three weeks has passed since the mailing of the letter to XXXX XXXX and have not received a response to my letter via the mail, email or phone. I personally feel it is Zales responsibility to fix, send a new ring or issue a credit to my credit card and send a return authorization so I may return the ring to Zales.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: Block, Inc.
State: MS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Someone had hacked into my cash app account and took {$340.00} out. They took XXXX out once they took XXXX out once and they took {$300.00} out once. Will they text me when the XXXX was coming out and hadn't come out yet I told them do not let that go through and they said they wouldn't the same person that did all three transactions. Cash app suggested that I open up a new account with a new email and they would reimburse me the money that was fraudulently took out. Open up a new account with a new email and I waited approximately 7 days cuz they told me be 7 to 10 days before they put it back in. I tried to open up my old account and my also my my password wouldn't let me in and I didn't have the same phone number. I've been going through this almost 3 months now with cash out time to get this money back in my account with no headway whatsoever. I've given them the same information over 50 times at least 50 times I've had over 50 correspondence with them and still haven't had no results at all. Can someone please help me here they owe me {$340.00} and I want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-07-23
Company: Experian Information Solutions Inc.
State: UT
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 have disputed accounts with the bureaus and have heard nothing. I filed disputes and saw no changes to credit, I got no letters and no correspondence. There are negative items on my account that need to be fixed. Please fix immediatley.

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 2022-06-10
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
From XX/XX/XXXX to XXXX did not receive any transcation through XXXX XXXX XXXX from senders. 
1. XX/XX/XXXX {$840.00} 2. XX/XX/XXXX {$19.00} 3. XX/XX/XXXX {$100.00} 4. XX/XX/XXXX {$5.00} 5. XX/XX/XXXX {$5.00} 6. XX/XX/XXXX {$91.00} 7. XX/XX/XXXX {$180.00} 8. XX/XX/XXXX {$18.00} 9. XX/XX/XXXX {$1.00} 10.  XX/XX/XXXX {$20.00} 11. XX/XX/XXXX {$150.00} 12. XX/XX/XXXX {$100.00} 13. XX/XX/XXXX {$150.00} I linked my email address as the primary XXXX account number since opening the Chase account and never changed. But during that periodI did not receive any transactions from senders. HoweverI received all the email from Chase Quickpay team.

I have called Chase customer service many timesone of the represenstitive said my XXXX was under a different persons bank account and money was sent to him. Other represenstitives told me to ask senders to cancel that transactionsbut all failed to cancel. 
It is so hard to call the customer serviceI repeated the problem many timesbut not be solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Lending Club Corp
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
www.lendingclub.com " approved '' a {$9600.00} loan to me on XX/XX/XXXX. <P/>About a week later I was asked to " confirm '' my email address. <P/>After doing this I was asked for XXXX forms, XXXX forms, and a list of other documents which I provided. <P/>I was ultimately asked for my XX/XX/XXXX federal tax return including every schedule and document. I was asked about three weeks after being " approved '' for their loan. <P/>I am late in filing my XX/XX/XXXX federal tax return for resons relating to an ongoing discussion with the IRS related to my XX/XX/XXXX federal tax return, and therefore I had to obtain my tax software as well as file my XX/XX/XXXX tax returns in order to supply the documents requested. <P/>While I was finishing my XX/XX/XXXX federal tax returns and ensuring that therer were no issues with it, I was sent an email " declining '' me for the loan which I had been " approved '' for three weeks earlier. <P/>There is absolutely no legal reason to give an unequivocal approval communication via the www.lendingclub.com web site and then three weeks later to decline a customer. The emails from www.lendingclub.com may have had small print in some of them, but the approval notice on the web site was clear and unequivocal. <P/>There is absolutely no justification for lying to customers in huge quantities and then renigging on promises which the corporation has made to those customers later on.

Company response to consumer: Closed with explanation