BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 have a loan with CAP ONE AUTO, XXXX XXXX, and XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ).  I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAP ONE AUTO, XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-12-18
Company: Remitly, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My name is XXXX XXXX. On the XXXX, I sent money through this organization ( remitly ) and then canceled the transaction and since then the money had not refunded to me despite several attempt to get the money refunded. The money was in the amount of {$100.00} and the transfer fee of {$4.00}. I was asked to contact my bank with a ref number which I did, and it was confirmed that the money had not been refunded. I even put a representative of remitly on the phone with my bank to confirm that the money had not been refunded, yet nothing happened. I had made several phone calls to Remitly and nothing happened. The name of the recipient was XXXX XXXX XXXX in XXXX XXXX. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Reporting the improper hierarchy of payments, violation of servicing the loan and improper foreclosure proceedings. Duplicate/overpayments for our mortgage payments were applied on XX/XX/XXXX for the months of XX/XX/XXXX-XX/XX/XXXX. we have requested that the Chase Bank reverse these payments on numerous occasions, but to no avail. We are now sending a copy of our bank Statements and Chase Reconcilation log detailing the duplicate payments. Also payments were not accepted starting XX/XX/XXXX - XX/XX/XXXX, causing us to go into a foreclosure. we were not 120 days in arrears at the time so our payments should have been accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Experian to have inaccurate items removed from my credit report as well as some unknown things. My 3rd dispute I mailed in was XXXX of XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Experian at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. I've been XXXX XXXX  twice stressing over this. It's not fair and federal laws are being broken at this pointI.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Back in XXXX I opened the card as a promo to receive a certain % off for your first purchase. The amount i was to receive credit for was {$69.00} for a pair of shoes. Unfortunately, that order was unable to fulfilled. Now, i've lost out on the promo.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Last year I worked with the fraud department at Chase to finally close a credit card account that had been opened in my name fraudulently. I didn't find out about the account until the person who had opened it in my name became unable to make the monthly minimum payments. At the time I found out about the account I immediately contacted Chase and reported that the account had been opened fraudulently. At the time I did not understand my rights under federal law and because Chase bank said that they would not release me from the debt I began making monthly payments on XX/XX/XXXX and continued to make payments until I finally was able to Chase 's fraud department to release me of the debt in early XXXX. Between XX/XX/XXXX and XX/XX/XXXX I made 44 monthly payments to Chase which totaled to the amount of {$11000.00}. Since Chase has released me from the fraudulent account I have made 4 requests to Chase for a refund of the {$11000.00} in payments that I made to them. The last request which I sent in writing, in XXXX of XXXX. This request included detailed documentation of the payments I made, including copies of the email confirmations I received after making all 44 payments however Chase has continued to refuse to even respond to my request for a refund of the payments that they illegally obtained from me by threatening to report non-payment to the 3 major credit bureaus. I am hoping that your agency can help me receive a complete refund of the payments that I made to Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: National Credit Adjusters, LLC
State: AL
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 have a loan with NATIONAL CREDIT ADJUST. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and NATIONAL CREDIT ADJUST with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: The Bureaus, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2016 {$940.00} FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX THE BUREAUS INC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I recently received a XXXX form for tax year XXXX from Wells Fargo indicating that I had been charged for mortgage insurance and real estate taxes. This form is for a house I no longer own. Its foreclosure was recorded XX/XX/XXXX, in Volume XXXX, Page XXXX of the Town Clerk 's Land Records in XXXX, Connecticut. 

The XXXX indicates that I paid {$1900.00} in real estate taxes to the Town of XXXX for this property, which I did not. It also claims that I paid {$840.00} in mortgage insurance premiums for this property, which I did not. 

For over a year, Wells Fargo continually invoiced me for homeowner 's insurance on this house. They only stopped when I filed a complaint here. That complaint number was XXXX. 

I am concerned that the filing of this XXXX with the IRS may create difficulty and confusion for the IRS when I file my XXXX taxes. More importantly, though, Wells Fargo, after repeated requests on my part for the organization to cease all contact with me, after my specifically informing their representative last time ( from Case XXXX ) that I considered such continued contact to be both detrimental and abusive considering the personal difficulty that was my foreclosure experience, will not cease its continuing harassment of me regarding this property. Chapter XXXX bankruptcy has discharged all financial obligations I had regarding this property, and the XXXX XXXX Superior Court sustained an objection by my attorney to Wells Fargo 's motion for deficiency judgment, which had the effect of ending Wells Fargo 's pursuit of deficiency judgment against me. 

In addition to having Wells Fargo send a correction to the IRS noting that its filing of a XXXX on my behalf was an error, I want Wells Fargo to never, ever contact me, for the rest of my existence on this Earth, regarding any matter whatsoever, but especially regarding this property. I have utter disgust for this organization for its continued haranguing of me regarding this matter, which according to the law, thanks to bankruptcy protections and the end of foreclosure proceedings, I should not have to endure.

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 2020-08-13
Company: WELLS FARGO & COMPANY
State: MA
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 see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-08-13
Company: STATE EMPLOYEES CREDIT UNION
State: VA
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XX/XX/XXXX I visited a Chase ATM and asked to withdrawal {$300.00}. The ATM was unable to dispense cash and issued a receipt stating transaction denied. However I noticed that it appeared on my online banking as a withdrawal. I immediately called chase and reported it. I was told within 12 hours it would appear back in my account. 2 days later it was still not in my account so I called again and then was told in 24 hours. However a few days later the credit was still not in my account. I called again and was told 1-2 business days. I again called on XX/XX/XXXX two weeks after the ATM dispute and now I am being told that there is no timeframe to return the funds to me. All they tell me is that there is a system glitch and they are unable to help. I find it ridiculous that it is taking this long. In the meantime I have no money in my account to pay bills or other necessary things.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-13
Company: Ability Recovery Services, LLC
State: MI
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 have a loan with XXXX XXXX XXXX, XXXX XXXX, and ABLTY RECVRY ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and ABLTY RECVRY ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

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 2022-01-29
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
You violated the united states code law 15 U.S. Code 1681b -Permissible purposes of consumer reports ( b ) Conditions for furnishing and using reports for employment purposes.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions

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 2020-08-13
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is in reference to ALLY FINANCIAL Account XXXX XXXX. I sent a dispute letter by mail and it was returned as not deliverable and this is a violation of the law. All items on a credit report must be 100 % accurate and verifiable and this item can not be verified because I send a letter to the address being reported by the collection company and it was returned to the sender. Therefore I am demanding the item be deleted from my credit report at once or I may refer to a consumer credit attorney.

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 2022-01-29
Company: Experian Information Solutions 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:
I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Experian to have inaccurate items removed from my credit report as well as some unknown things. My XXXX dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Experian at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. Not to mention that My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.

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 2022-01-29
Company: Early Warning Services, LLC
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:
I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Early Warning to have inaccurate items removed from my consumer report as well as some unknown things. My XXXX dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Early Warning at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Factor Trust
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to remove my fraud alert and consumer statement, I have been unable to view my credit, a copy of my ID, social security and utility bill is attach. Please remove it permanently. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Clarity Services
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to remove my fraud alert and consumer statement, I have been unable to view my credit, a copy of my ID, social security and utility bill is attach. Please remove it permanently. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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