BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-15
Company: CITIBANK, N.A.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/2016 : Citibank promised me a {$400.00} bonus for opening a checking account. XX/XX/2016 : Citibank reneged on this promise. XX/XX/2016 : I filed a complaint XXXX CFPB. XX/XX/2016 : Citibank promised to pay bonus on or around XX/XX/XXXX XX/XX/2016 : Citibank again XXXX on promise.

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 2022-09-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I called Chase Bank to dispute a transaction from my checking account. The transaction was a XXXX payment to an alleged small business for the amount of {$790.00} in exchange for a custom good that I never received. The transaction was posted to my Chase checking account on XX/XX/XXXX. 

The first Chase representative I spoke with apologized for my problem and said there was nothing to worry about and that Chase would immediately start a claim to recover my money. To do so, the representative stated that he would have to transfer me to another department. 

Once my call was transferred, the second representative was incompetent, rude, and confusing. She initially stated what the first representative had stated, that she was sorry for my problem and that there was " nothing to worry about - Chase would immediately start a claim to recover [ my money ]. '' Then, I sat on the phone waiting for her next response for about XXXX minutes without information about what she was doing/that I was on hold. Suddenly, she started to speak very fast and I could not understand her. I asked her multiple times to repeat the information. Finally, the representative stated that a claim had been started but that it was unlikely that I would recover my funds since I " should have known who [ I was ] sending the money to. '' I tried to explain the situation again and she talked over me repeatedly, not allowing me to finish my sentence or respond to her statement. Finally, after I asked her to please allow me to speak, she became very short in her responses to me, and essentially ignored my question/concern about the contradictory information she had just given me. Frustrated, I asked to speak to someone else. She ignored my request, told me to have a nice day, and hung up the phone. 

I am filing this complaint because Chase refuses to recover my {$790.00}. Further, in XX/XX/XXXX, the Consumer Financial Protection Bureau issued guidance to clarify that fraudulent person-to-person transactions are in fact considered unauthorized because they were initiated by someone other than the consumer and the consumer received no benefit. 

The CFPB also stated that banks can not consider consumer negligence as a factor or claim that consumers waived their protections in their bank account agreement. 

Thus, I urge Chase Bank to review my claim along with this complaint and to credit my funds back to my checking account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 paid off the account earlier in the year and put the card in my drawer because i dont use it. All of a sudden in XXXX I get a notice on my credit report that there is a 30 day late reported. I called XXXX and told them it was fraudulent charges for a subscription I didnt subscribe to but not only that my account was set up on auto pay as I have NEVER been late. They said they would look into it and remove the negative reporting. In the meantime I paid the past due balance and they actually owe me money. They never removed the negative reporting so I called again and they said it would be taken care of-which they did nothing again. I am a long time card holder and have never been late on any of my credit cards and they actually owe me money.

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 2020-04-06
Company: Experian Information Solutions Inc.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX  XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$410.00} XXXX  XXXX {$300.00} XXXX  XXXX {$870.00} XXXX   XXXX {$180.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX {$290.00} XXXX XXXX XXXX {$160.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Thaxton Investment Corporation
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: Account information incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 
This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
COVINGTON CREDIT ***** Opened : XX/XX/XXXX Balance {$0.00} Late Close

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am requesting the removal of  XXXX  judgments and  XXXX  bankruptcies  ( below ) o n my  XXXX  and other reports due to  Civil Case No.   XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    . I d id not know the source of their information on those judgments and bankruptcies and due to this  XXXX  has violated the FCRA. Please remove these judgments and bankruptcies. They sent letter with  XXXX   XXXX  verifying and I contacted them on  XXXX  and stated it was not.     Judgment  XXXX  AND  XXXX  Bankruptcies  XXXX   XXXX   XXXX  and  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 2017-05-22
Company: Experian Information Solutions 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:
CREDIT BUREAU HAVE NOT PROPERLY INVESTIGATED NOR REMOVED FRAUDULENT ACCOUNTS OF MY FILE WH EN IM A VICTI M OF IDENTITY THEFT

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 2015-12-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX fraudulently reported a dispute on my credit report for a {$600.00} collection. This is shows as a revolving credit which was paid in full over a year ago. The dispute was finally removed after 4 months. However, my home loan is being denied 10 days before closing because XXXX XXXX/HSBC is refusing to delete the inquiry off my report. I am about to lose my home loan all because a {$600.00} collection was fraudulently disputed and effected my credit. If it had n't been disputed and the dispute recently removed, I would be approved for my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was in a dispute with XXXX XXXX XXXX About {$2400.00} and some change that was sitting in a suspense account .That money was in a suspense account was for payments I continue making payments at that time my principal got paid off thats when I learned about the {$2400.00} and some change in the suspense account the next step I was getting a letter tell me my mortgage was being transferred and XXXX  XXXX XXXX was going in bankruptcy Shellpoint Mortgage Took off my mortgage been demanding me to make a {$600.00} payment I have been paying them since the day they took over I paid a {$400.00} my first payment my understanding is my principal is paid off I can not be forced to pay up for mortgage I can pay whatever I want on this loan I only had a deferment of {$5300.00} why do I still owe the same amount my insurance was paid It should have been paid when it was transferred to Shellpoint will not let me speak with a manager ldid get a lady who said  she was a manager last name XXXX she post to been getting all of this fix now I have not heard back from her I lelf several messages at XXXX they will not return calls my disputes they say theyre not going to fix it they are trying to take my property I need someone to review the account customer service told me they received the {$2400.00} At was in the suspense account What did they do with that I do not owe them {$4600.00} XXXX Thank

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 2021-10-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 2017-12-11
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Hello, I seem to have XXXX hard inquiries on my credit report that I do not recall ... 
XXXX is from American Express on XX/XX/XXXX and the other from XXXX XXXX on XX/XX/XXXX. 

Please let me know how I can go about it. 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
HSBC violates the opt-out prescreened credit offer. 
I have already opted out but still received the XXXX prescreened credit offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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:
I contacted all three Credit Reporting Agencies regarding the inaccurate information they were posting on my Consumer Report. They did not provide me the information requested, physical validation of the late payment on my XXXX  XXXX account, as well as XXXX XXXX. In accordance with 15 USC 1681i, the procedure in the case of disputed accuracy, the account/negative information should be removed off of my consumer credit report within 5 days of receiving the dispute, pending the outcome of the re-investigation. This was not done, which backs my argument that the Credit Reporting Agencies never investigate my claims from the first dispute letter I sent. In addition, pursuant to 15 USC 1666b, there is no such thing as a late payment, so how is it that they are reporting something to my credit that the Federal Law said does not exists, that is fraud. Pursuant to 1692g, I am supposed to notified 5 days before anything is added to my credit report, that was not done either. These are just a few of the violations that the agencies committed against 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 2022-05-04
Company: EQUIFAX, 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:
I contacted all three Credit Reporting Agencies regarding the inaccurate information they were posting on my Consumer Report. They did not provide me the information requested, physical validation of the late payment on my XXXX  XXXX account, as well as XXXX XXXX. In accordance with 15 USC 1681i, the procedure in the case of disputed accuracy, the account/negative information should be removed off of my consumer credit report within 5 days of receiving the dispute, pending the outcome of the re-investigation. This was not done, which backs my argument that the Credit Reporting Agencies never investigate my claims from the first dispute letter I sent. In addition, pursuant to 15 USC 1666b, there is no such thing as a late payment, so how is it that they are reporting something to my credit that the Federal Law said does not exists, that is fraud. Pursuant to 1692g, I am supposed to notified 5 days before anything is added to my credit report, that was not done either. These are just a few of the violations that the agencies committed against me..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This was an original that with Capital One, it was a case of Identity theft. Valid the account was opened illegally and its not valid. Was sold many times over to collection agencies. I have been unable to remove this from my credit report for the last XXXX years. I have had collection agencies attempt to collect a debt that has never been confirmed! I have requested confirmation of debt none has ever been given!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: M&T BANK CORPORATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a problem with my hazard insurance earlier this year. M & T Bank said they resolved the issue by refunding my money. I just received a notice from M & T Bank that they are AGAIN trying to put hazard insurance on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: TN
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. 

XXXX  XXXX {$5400.00} XXXX  XXXX {$1200.00} XXXX   XXXX {$72.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am requesting an investigation on why Experian Credit Agency is reporting false information on the number of accounts late status and incorrect fico score. I only have XXXX open accounts, XXXX and XXXX. 
XXXX account is not being handle fairly and not according to my financial agreement I signed. Opensky Secured Card I am current with my payments. 
I am requesting resolution on having XXXX to change my score and account information fairly by applying United States of America financial laws to my financial reports.

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 2017-02-03
Company: CU Recovery, Inc.
State: AZ
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I had attempted to negotiate a reasonable settlement of past due car payments with the original note holder. XXXX XXXX XXXX XXXX. We could not resolve. I voluntarily returned the vehicle. The vehicle was sold for an amount equal to or higher than amount owed. I attempted to resolve the quoted 'balance due after sale ' with XXXX XXXX. No response at all. Then I was contacted repeated by phone ( to the point I blocked the caller ). I responded in writing requesting no further phone calls and an accurate breakdown of charges. To this date I have not had any compliance from the debt collector - C U Recovery and they have actually sent me information with other individuals names on it stating they owe the debt as well. This C U Recovery appears to not have a professional representation nor is willing to assist in resolving this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to XXXX to get my free report. Both Experian and XXXX noted that I had to print out a form and mail in my request. Further, I have to provide copies of XXXX separate documents "for my security". Mailing, in my opinion, is less secure than an encrypted internet connection. Could they make it any more difficult to get my credit report? This reeks of the ratings agencies, once again, making it as difficult as possible for consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good afternoon, I was contacted about a XXXX  XXXX account opened in my name, and reported it as fraud. Midland credit management sent me documentation that states the account statement is from XX/XX/2018 to XX/XX/2018. I wad living in XXXX at the time and working as an XXXX XXXX   until XX/XX/XXXX when I returned to the United States. I Would have been unable to fill out an application and receive a credit card in another country, as I had been living in XXXX since XX/XX/2018. I have documentation and a work visa to prove this. Midland credit is stating they will not investigate my claim further without a fraud affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: TX
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 Account XXXX has violated my rights. 

In Accordance with The Fair Credit Reporting Act : XXXX XXXX XXXX. Account XXXX has violated my rights. 

15 USC 1681 section 602A States I have the right to privacy. 

15 USC 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
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  Account # XXXX, / XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX, XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX Account Number XXXX, XXXXXXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX. # XXXX, XXXX XXXX Account Number XXXX, XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation