BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One did not defend me with the merchant who didnt issue a refund for an Incorrect item I received, And they have failed to ask for additional documents from my end and have made the decision solely on the merchants evidence. It is not the first time Capital One has done such thing and have continuously failed to resolve a dispute with A merchant. 
My case number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Bread Financial Holdings, Inc.
State: MA
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 this accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

6. Identity Theft COMENITYBANK/XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from  XXXX   ( d iversified consultants inc ) claiming that my account with  XXXX   XXXX  was in collects and I need to pay them today since the now have my debt. I advised them I 've never had   XXXX   service and they claim it was actually  XXXX   XXXX  which I 've never had either. I asked the man how he could ask for payment from me when he has n't even verified who I am other than asking my name? His explanation was that I gave him my name so I must be that person. I told him either the claim of a collection is false information or your committing fraud by trying to get me to pay you for a fake collection. He then said they would n't call me anymore and hung up on me, but If I owe you money why would n't you just verify the details for me? They clearly knew that I did NOT have a collection and the entire call was a scam to get money. I 've never had a collection in my 18 years of having credit and this was a attempt to illegally collect money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX/DEPT OF ED 28 USC 1746 Unsworn declarationsunder penalty of perjury

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Freedom Mortgage Company
State: CO
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:
Beginning in  XXXX   2017 ,  Freedom Mortgage increased my escrow/insurance amount by {$25.00} a month and did not adequately notify me. As I was not well informed, I continued to send a $  XXXX  monthly payment as normal. I thought all was well as the payment checks cleared my bank ( see attachments ). I received a notice of late payments and credit score c hange from  XXXX  at the end of  XXXX   2017 . Upon investigation, evidently, because the extra {$25.00} per month was not included in my pa yments, Freedom Mort gage moved my payments into a " non interest savings account '' and did not apply any of the payments to my loan. As you can see on the attached documentation, all payments were made on time and as agreed upon. In  XXXX , I contact ed Freedom Mortga ge and talked with a representative who instructed me to pay an additional {$110.00} to resolve the issue. In  XXXX , I received an other notice from Freedom Mortgage stating my payments were still not accurate. After speaking with three representatives and a supervisor from Freedom Mortgage, I finally have the payments correct as I have now learned of the escrow increase. I filed a dispute with  XXXX  over my credit score as  it has now dropped over  XXXX  points.   Freedom has denied all my requests and have denied any credit review or withdrawal of two 30 day late notices.
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I feel I was inadequately notified of the escrow increase and unfairly reported to the credit bureau as I was making payments on time and the amount agreed upon. I do not feel Freedom Mortgage has the right to withhold an entire payment as they have, causing me to be 30 days late for two months and ruining my credit score. I am a model consumer and pay all my bills on time. I feel this is a very unethical practice by Freedom Mortgage. I have researched several websites and have found several other people have reported Freedom Mortg  age as well and have had no resolve. It is my hope that there will be actions taken to protect good consumers such as myself.

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 2022-01-04
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I executed a deposit transaction into my Square account on XX/XX/2021. On XX/XX/2021 I was notified my account was locked and I would have to wait 180 days, but no less than 150 days, for access to the funds. It has been over 180 days and my funds are still locked. The company has made no attempts to allow me access to my money. I just simply want to retrieve the money I was paid and is still locked in the account. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: JPMORGAN CHASE & CO.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
I tried to deposit a remittance slip to Chase bank located in XXXX, Pa and because the agent claimed to not have ever done that type of deposit I was denied service as I was explaining how the remittance slip was not money I was suppose to pay but money to be deposited seeing as though it is in a positive balance and endorsed. He proceeded to say that 15 USC 1602 ( l ) the definition of a credit card in reference to a social security card being the information to enter into a consumer credit transaction was not true. It is to my understanding that if presented form of payment it can not be denied or the debt is discharged under UCC 3-603

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After  XXXX   XXXX   XXXX  I was arranging a Short Sale with the Lender,   XXXX   XXXX   XXXX   XXXX , and a predatory lawyer tried to foreclose on my property.   To forestall this I filed a " Rumor Of Bankruptcy '' Chapter  XXXX  in  XXXX / XXXX / XXXX  and it was subsequently Dismissed on  XXXX / XXXX / XXXX .   It happened again in  XXXX / XXXX / XXXX  and I filed another " Rumor of Bankruptcy '' Chapter  XXXX  and it was Dismissed on  XXXX / XXXX / XXXX  Although I did not actually go into Bankruptcy these items were reported as " Derogatory Items '' on my  XXXX  Credit Reports and classified me as Bankrupt and my Credit Scores became very low.   I wrote to the Credit Bureaus and they stated that they were reporting information found on the  XXXX  public records.   I then wrote to th e CEO 's  of the  XXXX  Bureaus on  XXXX   XXXX   XXXX  and complained about this case. Nothing happened. No one will talk to me about this matter.   Thus the filing of  a Legal Document, subse quently Dismissed is mis-classified as though it actually went through to fruition.   ( I think this is due to the fact that the Bureaus do not want to go to the trouble of investigating which filings actually resulted in Bankruptcy ) I do not wish to have my credit ruined because nothing actually happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05
Company: EQUIFAX, 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 information incorrect

Complaint:
I have contacted  XXXX  and Equifax for quite awhile but have had the same problem   XXXX    and Equifax will not add that I have   XXXX   XXXX   XXXX   on my account. They keep updating information from  XXXX  even though  XXXX  was paid off and  XXXX  balance.  XXXX   XXXX   XXXX  has contacted them but they keep insisted that they keep  XXXX  on even though it have been 7 years that I have had  XXXX  on my credit report and they keep manipulating the records. Please write a letter to the credit bureaus updating them that I have only   XXXX   XXXX   XXXX   and to remove  XXXX  and   XXXX   XXXX   of  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: NC
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:
The installment with XXXX XXXX  was to be paid off using their 90 Days same as cash option. They refused to accept the payoff. We went to court and the court made them accept the payoff and they agreed to update and correct credit report as positive and paid as agreed. Court was XX/XX/2018 and the 90 day same as cash option was {$900.00}. They agreed to accept the payoff and show a zero balance. 

XXXX XXXX  has yet to update my credit report and continues to report a charge off. I have made several attempts to dispute this, sending in the official court documents showing it was paid in full as agreed and it still reflects negatively.

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 2022-04-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
EXPERIAN, XXXX, XXXX HAVE STILL. AT THIS TIME HAVE NOT DELETED THE XXXX ACCOUNTS, on my CONSUMER REPORT, already admitted my XXXX XXXX OF BEING MY INFORMATION BEING RESOLD AND WITHOUT MY CONSENT. at this time it is now demanded to remove any accounts in connecting with XXXX. The federal violation. For these matters will be address, pursuant to 15 US CODE 1692k civil liability XXXX XXXX, Experian XXXX and XXXX are all liable for {$10000.00} in privacy fraud. XXXX XXXX CASE NUMBER XXXX would like the information sold to all XXXX, bureaus without my consent, causing turmoil for almost XXXX years. XXXX XXXX HAS ALREADY ADMITTED TO SELLING INFORMATION THAT IS NOT ACCURATE TO THESE XXXX BUREAUS

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 2017-12-01
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX I took a personal loan for {$10000.00} with Springleaf finance which was sold to One Main Finance.  My payment was {$220.00} up until XXXX XXXX I was paying additional payment {$75.00} for 12 years. I spoke with One Main to find out why my balance is still {$4800.00}. I was told it was because it was being applied to Finance charge which was never the agreement! Was told that the {$75.00} would be applied to pay this loan. I have never made a late payment. I am XXXX XXXX XXXX veteran think I have be ripped off by both these companies. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: WELLS FARGO & COMPANY
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received a Wells Fargo debit Visa card in the mail in my name at my home address after it was returned to sender from a New York address. I do not have a account of any kind with Wells Fargo not have I ever. I have made monthly payments of my fathers mortgage for the past 7 years and it comes directly out my personal banking account from my bank to Wells Fargo but I personally have never applied for any banking account with Wells Fargo except to get an assumption loan for the home I have paid for for years. I contacted them immediately and was told a case would be open and that this occurs a lot which in itself is alarming. I was not provided with any other information like WHO opened this account or WHEN it was opened and what I should do to protect myself. I was given a case number and told to wait. I need information on how this happened so I can protect myself.

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 2022-04-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am in the process of buying a house. Equifax has blocked me from seeing my credit score. Anytime a lender runs my credit they can not see my score or report. I have called Equifax support 54 times all together. They put in cases to fix it but it never happens. I cant buy house and I did nothing wrong except trust Equifax. I even paid money on XXXX to get it to work and It still wont work. I call them everyday and everyday its a new story. First it was I needed to verify my account so I faxed in a copy of my drivers license, social security card, and a letter stating to remove the hold they put on my account. Then they said its a glitch in the system, and they put in a case stating it would take 7-10 days to fix. That was 5 weeks ago. I even wrote to the XXXX XXXX XXXX. And Equifax responses with nonsense and no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: JPMORGAN CHASE & CO.
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 VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: U.S. Collections West, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collection agency refuses to provide me with FDCPA, FCRA and XXXX FDCPA ( time barred debt collection attempt ). Agency says that the have 15 accounts for me but only a single account number. Disputed debt is a timeshare that they allege that I purchased in XXXX ( I did not ). Collection agency indicated that they entered my Connecticut address ( gone since XXXX ) with a XXXX, California person with the same name as me, creating a cross-file that Im sure he wouldnt be happy with either. A call to the timeshare company XXXX last name refused resulted in her telling me that I had 5 timeshares from XXXX and that the statute of limitations doesnt apply to them because they create a new account every 6 months! The date they obtained my credit report was XX/XX/XXXX. When I asked for my rights letter, XXXX XXXX admittedly an alias said they sent it to the other person with my name. I asked her to send me a notice but she said she would close the account ( she didnt ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX ,  XXXX  and Experian are reporting  XXXX  accounts on my credit file that is reporting inaccurate information. The  XXXX  accounts are  XXXX   XXXX   XXXX   XXXX    XXXX  and  XXXX   XXXX . I have disputed.this information with the company and they have told me that their investigation is complete and they will not investigate. I contacted both companies and neither company is able to validate the information that is being reported. By law these accounts should not be reporting on my credit file.

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 2017-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX , Transuion and   XXXX   are reporting  XXXX  accounts on my credit file that is reporting inaccurate information. The  XXXX  accounts are  XXXX    XXXX   XXXX    XXXX  and  XXXX   XXXX . I have disputed.this information with the company and they have told me that their investigation is complete and they will not investigate. I contacted both companies and neither company is able to validate the information that is being reported. By law these accounts should not be reporting on my credit file.

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 2017-06-05
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My problem is with  my Discover card. For 12 years I have been charged a Payment Protection Plan fee which I NEVER signed up for. According to Discover, I approved their payment protection product sometime in 2005, but they are unable to provide proof of my approval, and I know I did not approve this ongoing monthly charge. They have offered to credit me back for six months worth of charges, but the truth is, since they placed this program on my account without authorization, I 've been charged well over the {$2500.00} credit limit in fees and accrued interest ( on fees ). They claim they have done their " due diligence '' by sending me   bi-annual correspondence, but I have not seen this, nor have I positively affirmed my desire to be a part of this program ( ever )!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
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:
I sent a letter about some accounts that they were reporting that was not mine. They did delete some of the accounts and had an results on the other ones with " Verified as accurate and updated '', but the accounts are not mine. I will like for someone to review the attachmen t for one of The cre ditor sent me for the account " verification ''. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the accounts that are in error on my credit report. Attached and has filed a police report with  XXXX  county to get these errors resolve in a timing matter. They are hindering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There are charges on my checking account from XXXX XXXX XXXX and charges made by Chase bank. This has been occurring since I opened accounts with Chase and XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation