BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: Pacific Credit Exchange Corporation
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This account XXXX was charge-off paid off and closed from XXXX XXXX in XX/XX/XXXX, showing on my generated report date XX/XX/XXXX The company has harass me and oppress me causing damage to my credit continued attempts to collect debt not owed. XXXX XXXX keep reporting a paid off account on my credit report balance XXXX updated XX/XX/XXXX The payment history in the validation letter show proof I made a payment on time for {$360.00} date XX/XX/XXXX through XXXX XXXX the due date is the XXXX of every month and XXXX XXXX mailed notice attempt to collect XXXX not owed. Copy of payment notice date XX/XX/XXXX. The XXXX XXXX XXXX account number is incorrect on my XXXX Credit report also the account # showing XXXX The validation account letter # is XXXX. Pacific Credit Exchange with report number # : XXXX send copys of contract and payment history from XXXX XXXX show no proof I owe the debt there was no notice of right to dispute this debt the validation was not verify.

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 2017-06-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I am a rec ent widow ,   XXXX   XXXX   on  XXXX , and a senior. My home is financed by  JP Morgan Chase , I have completed and sent in    XXXX    assumption modification packets to no avail. I have submitted to them absolutely everything over and over that they have ask for. Some of the information they requested from me is n't possible. Once I told them their request does n't pertain to my situation or to me they told me that it was a error on their part and to omit that request. I called  XXXX   XXXX  and was blessed that the woman who answered the phone helped me to know exactly what they were asking me for. This is after I spent hours and   XXXX   trying to comply. My denial came with the reason being I DID NOT SEND IN MY DOCUMENTS IN TIME. This is absolutely not true. The loan was in my husbands name with  Chase. However the original mortgage I really believe was in my name also. when we started receiving info from Chase it had my husbands name and my name. Then as time went on it on ly showed my husbands name.   I LOST MY HUSBAND LAST YEAR TO  XXXX  IN    XXXX   XXXX    I HAVE BEEN DOING EVERYTHING POSSIBLE TO SAVE MY HOME. I NEED HELP IN THE WORSE WAY ... I CA N'T MAKE THE CURRENT MORTGAGE PAYMENTS AS WHEN I LOST MY HUSBAND MY HOUSEHOLD INCOME WAS CUT A LOT.   I have done absolutely all that  Chase has ask of me and more. I have complied with it all. I have even had them tell me that I am doing good in submitting all the information to them. I have {$45000.00} approx. in equity in my home. I believe I was turned down because Chase  is wanting the most profitable way. If my interest rate is low ered from 5.25 to the  2 % their profit margin will drop. I am on the verge of hospitalization because of the  XXXX   Chase h as put on me. I was my husbands   XXXX   XXXX   for over 20 months then I watched him as he took his last breath.   All I am asking for fairness. I can make my house note easily if it was lowered to the  XXXX  that it should be which is according to my income and what is being offered now b y HARP. I ca  n't get this nor any other refinance because I am behind on my mortgage payment. I am at wits end and I pray that you will please help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I lost my job during Covid 19 XXXX of 2020, XXXX XXXX had me on a forbearance during this time unaware with no notice they started reporting my account late. I called emailed disputed information being unfair an inaccurate I have not heard back from them I have restructured my loan and I'm current however these late payments are keeping me from obtaining credit this is not right!

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 2022-09-12
Company: Credit Karma, LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I have been notified by Credit Karma on multiple times, that I have been pre-approved for credit cards. When I apply I am always denied and this is taking big hits on my credit as hard inquires. This is an outrage. I have been struggling to get my credit back on track. These inquiries are causing my credit score to decrease dramatically and it's not fair. To this day I am still receiving notices that I have been pre-approved. I am hoping to receive some type of compensation for this misleading and hurtful information. Please contact me regarding this message asap. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: CBC Companies, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern My consumer rights were violated Under the Fair Credit Reporting act 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Truist offered a {$500.00} bonus to open a checking account with direct deposits. I met the requirements but the offers page says " The participating checking account was closed before qualifications were met. '' My account is still open and I can log in and see my deposits. What's wrong with their technology?

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter to TransUnion, XXXX and XXXX regarding inaccurate and unknown things on my credit report. 
To this day 90 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 90 days so it 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 XXXX XXXX XXXX and may have got into the hands of the wrong person.

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 2021-10-28
Company: KEYCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In 2006 I asked my cousin to open an account using an endowment check issued to me from the XXXX  XXXX XXXX. I was unable to get to the bank myself and the XXXX XXXX  XXXX XXXX advised my cousin that the only way for her to deposit the check would be to open a joint account with herself as the primary account holder. About a week later, after the check had cleared I called to find out if they needed additional information from me. They subsequently closed the account because I was not present to verify my identity with government issued identification. The bank sent the account balance in the form of a check to my cousin because she was the only address they had on file. There were zero withdrawals and only one deposit of a check made out to me and I feel they essentially laundered the money to my cousin and now she refuses to return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion will not accept ( via phone ) confirmation that XXXX did NOT issue a hard credit inquiry on XX/XX/19 Transunion hung up on us several times ( myself and XXXX, and insisted that we, instead, file a police report and mail in a request to remove the XXXX  hard inquiry Here is a review of the conversations : XXXX XXXX I contacted XXXX  XXXX. XXXX confirmed they did NOT do a hard credit check based on my social security #. 
XXXX XXXX  The XXXX  agent called Transunion " XXXX '' on XXXX at XXXX. XXXX hung up on XXXX, then told me that I needed to contact XXXX  ( again? ) and get a letter of deletion, after XXXX agent already told XXXX there was no record of activity with my social security #. 

XXXX XXXX XXXX called back to confirm it was resolved over the phone. When I told XXXX that Transunion had not resolved it, XXXX tried calling Transunion three more times. Each time, the Transunion rep would not accept resolution over the phone with XXXX and hung up on Tmobile/myself. 
XXXX XXXX  Transunion agent XXXX hung up on XXXX/myself XXXX XXXX   Transunion Agent named XXXX. We can not file the dispute via the phone, it has to be done online. XXXX needs to provide a Letter of Deletion. A hard hit from Police Report from XXXX. Then take a copy of the police report, and authorization letter coming from me with the hard inquiry and the dates. Reason : Remove hard hit coming from XXXX. Separate paper, first/last name/mailing address, last 4 of my social and my file #. Mail to : Transunion. Then they will review it and it may take up to 5 business days to file the request.

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 2017-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received the following email from Capital which states " A purchase was charged to your account. ". I called to inform them that I did not authorize the two charges for {$150.00} and {$1.00} ( total {$150.00} ). I was told this was a pre- authorized charge by XXXX. I ask for a written explanation as to how someone other than me can authorize a charge on my account. I was told they do not provide written explanations. I then asked to talk to a supervisor ( waited 10 min ) for XXXX ( XXXX ) and he stated he could not provide a written response. I also contacted Capital One on line CHAT service and asked for the link to file a complaint. I was not given the link so I informed them I would file with https : //www.consumerfinance.gov/. <P/>NOTE : I am a XXXX - no XXXX XXXX XXXX XXXX A purchase was charged to your account. RE : Account ending in XXXX XXXX, As requested, were notifying you that on XX/XX/XXXX, at XXXX, a pending authorization or purchase in the amount of {$150.00}  was placed or charged on your Capital One VISA SIGNATURE account. <P/>Note : Youll receive this notification for both purchases and pending authorizations, such as car rentals, hotel reservations and gas purchases, even if an actual transaction hasnt taken place. <P/>Please visit your account to view your pending and posted transactions. <P/>Important Information from Capital One Contact Us | Privacy | Help Prevent Fraud To ensure delivery, add XXXX to your address book. <P/>This email was sent to XXXXXXXXXXXX and contains information directly related to your account with us, other services to which you have subscribed and/or any application you may have submitted. <P/>The site may be unavailable during normal maintenance or due to unforeseen circumstances. Please visit our Set Alerts page to modify your alerts subscription preferences. <P/>Please do not reply to this message, as this email inbox is not monitored. To contact us, visit www.capitalone.com/contact. <P/>Products and services offered by the Capital One family of companies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX., Members FDIC.
<P/>
XX/XX/XXXX Capital One. Capital One is a federally registered service mark. All rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, 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:
Im getting nervous I dont understand what to do. I never seen these account before. I believe someone knows my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
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:
Im getting nervous I dont understand what to do. I never seen these account before. I believe someone knows my personal information

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 2022-09-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
they reporting XXXX XXXX, i informed them if they can put in remarks sec that this bank took longer then the require time to correct the chg as they are require to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I recently filed identity theft, and have retrieved FTC report. There are unauthorized inquiries on my account that I do not recognize. 

It seems my credit was fraudulently, and ran without my consent to multiple companies for the purpose of an auto loan. 

I have not given my wet signature authorizing any company to access my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened a lifegreen checking account on  XXXX . I called to inquire about the details of account promotion and was told that i needed to have  10  transactions take place in the first 90 days of account opening and i would get {$400.00}. I did this ( 9 debit transactions and  1  direct deposit ), but now am told i do n't qualify because it had to be 10 debit transactions - not  10 t ransactions total.     I am disappointed because i took notes on exactly what i had to do. I inquired with regions and was told they would do an investigation. When i inquired again about the outcome of the investigation i was told that they might or might not tell me about the results of the investigation. This does n't make any sense to me on why the ca n't tell me what they found when they went back to listen to phone records.

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 2022-09-12
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo has continued to email me various Wells Fargo advertisements since XXXX, when Wells Fargo decided to close my checking account. For a long time, Wells Fargo emailed me advertising for multiple products, and I felt that this was going too far. What I don't understand is that my bank account has been closed for weeks, why is Wells Fargo still sending me multiple ads? Wells Fargo forced me into expensive financial products that I didn't need or even wanted. Wells Fargo 's behavior bothers me a lot. I hope that the relevant authorities can effectively monitor the business of Wells Fargo and no longer cause trouble to customers.

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