BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, on XX/XX/XXXX I noticed that a company named XXXX charged my account XXXX I waited until Monday when my bank opened to call. I called the Fraud department and filed a complaint. I also reached out to the company XXXX. XXXX agreed that it was a fraudulent charge and instructed me to call my bank. Capital One is refusing to help me cause they said I only had 24hrs to dispute the charge. The Fair Credit Billing Act of 1974 says I have 60 days! Capital One is refusing to abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/XXXXan ATM withdrawal of {$300.00} on XX/XX/XXXX an ATM withdrawal of {$200.00} on XX/XX/XXXX, a charge of {$2900.00} at XXXX All charges on XX/XX/XXXX were done in XXXX XXXX, Florida. Chase texted me asking if they were fraud and I replied back as yes since I live in XXXX Oregon. I asked Chase to credit my charges which they did on XX/XX/XXXX. After Chase fraud dept looked at the case, they reversed the credit back to a charge on XX/XX/XXXX. Someone fraudulently changed my address on the chase website to a XXXX XXXX, Florida address. I am trying to prove to Chase that someone changed my identity online and through the USPS to a XXXX XXXX, Florida address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22
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:
XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX ) XXXX Date opened XX/XX/2020 Balance {$0.00} is reporting on my personal credit file with ( XXXX ) credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 writing to delete the following information in my file, the item I need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove this item from my file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. Remove these items immediately.

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 2020-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My Capital One Bank Credit Card was discharged in XXXX  of XXXX. 

The XXXX Capital One Account is still on my Credit Records Report.

Capital One needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Clear Recovery, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debit is medical, at the time of the procedure I provided the XXXX  authorization for the procedure at the hospital, all other bills were run through the XXXX  but " XXXX XXXX '' who flat out refuse to bill the XXXX  despite multiple contacts from myself AND the XXXX  explaining that all they have to do is BILL the XXXX  with the provided information. The first contact was much earlier but I talked to the biller ( Radiology Consultants ) around XXXX about the incorrect billing situation, and they claimed they would fix the error. In XXXX I began receiving calls from Clear Recovery 2-3x a week and they refused to send me anything in writing on how they received the debt and there was no notice from the biller that the debt was not paid when billed. Upon consulting the XXXX  on XX/XX/XXXX it was discovered the biller had yet to bill the XXXX  with the information provided. They sent the debt into collections without billing properly. Myself and the XXXX  billing department called Clear Recovery and provided them information to bill CORRECTLY. They were also told at the time the XXXX  is responsible for the bill and to stop calling me IMMEDIATELY. I also told clear recovery this in my earlier in the day phone call with them. The XXXX spoke to a XXXX who said the it would be billed correctly right away. On XX/XX/XXXX the XXXX  tried to follow up with Clear recovery, but there was no answer. 

Starting in XX/XX/XXXX Clear Recovery started calling me again, and again I told them I had no outstanding balances, and they would need to mail me anything regarding any debts owed as only USPS mail ( not over the pone due to scams ) would prove a debt. They refused and said they had sent me something. They called from multiple numbers several times a day leaving voice mails. 

On about XX/XX/XXXX I revived a " statement '' from Clear Recovery and sure enough it is the SAME bill that both the VA and I have called on and told them the VA has not been billed and I can not /will not be paying it as I am not the responsible party. The VA again called them, and the biller, and provided the correct billing information XXXX at XXXX XXXX said they would run the information to get the bill paid, however a this time, it still has not been run. 

This company will not stop harassing me for a company that refuses to bill the responsible party, even when the other hospital resources have been paid. 

( All phone calls are recorded by me as Nebraska  is a single party consent state and requires no permission, and can be provided on request, some lasted hours and can not be uploaded )

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: JPMORGAN CHASE & CO.
State: KY
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:
I called Chase sapphire ultimate travel rewards to book travel for two on a XXXX XXXX flight. I was supposed to receive a 50 % bonus from using my points through Chase but instead they attempted to use more points than it would have cost me to book the flight myself through XXXX. 

Chase said I would need to use XXXX points but the two flights combined were only XXXX ( XXXX x 2 ). 

Chase Sapphire advertises a 50 % bonus when using points but for me to use their system I would have received a negative reward. 

I can transfer my existing points from my Chase Sapphire card to my southwest rapid rewards account 1 to 1. How can a company charge you more when they say you are supposed to get a reward/benefit? 

I feel completely tricked. This card has a high annual fee, almost {$500.00}, so the benefits are the main motivating factor in getting this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: CONTRACT CALLERS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A collection company by the name of Contract Callers , Inc. just added a {$57.00} debt to my credit files recently which falsely dropped my fico score by 24 points. I do not believe the debt is correct, and the account in question was closed in XXXX as the house was sold. I have not owned or rented an property that I had to have any type of water account in my name since then. I also never received any notice of this debt prior to now ( it showing up on my reports ) ... no letter, no phone calls, no anything. If i had received anything, I would have been able to properly deal with it. One issue may be that an address listed on my credit file was incorrect, which I have notified all three major credit bureaus about by letter recently. It is also illegal for this to appear on my credit files due to the age of this debt. The date of the 1st late payment on this XXXX XXXX account was well over ten years ago. Contract callers is illegally stating a newer date on my credit files falsely in order to illegally report the debt on my files. I have written to all credit bureaus and to this debt collector as well in an attempt to solve the matter as well. 

Main issue is that Contract Callers put this very old debt on my credit files with a new date opened of XX/XX/XXXX. That is illegal as the date of 1st del was over ten yrs ago.

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 2018-12-03
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: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX XXXX  XXXX {$350.00} ( charge-off ) & XXXX XXXX XXXX {$860.00} Both accounts were settled ... 

I challenge the accuracy, compliance and reportability of this listing. 
grave errorsfalse claim and reportingI want these accounts rectified or removed immediately or litigation may follow, F.C.R.A. violation. 
Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2020-01-02
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: Investigation took more than 30 days

Complaint:
the ftc violation of XXXX was filed XXXX XXXX XXXX XXXX 2 accounts were removed and put back on they are in violation of the law b/c they did not notify me that they were putting back on my credit please see FTC reports that by the law i satisfy my claim with police and affidavit

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 2019-11-21
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX XXXX  about a repo that happened that they keep calling me about after i asked to stop because they lied about the balance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
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: Old information reappears or never goes away

Complaint:
Equifax deleted 3 collection accounts, then reinserted the accounts without my knowledge. Per FCRA, they must notify the Consumer 5 days prior before reinserting the collections. I was never notified therefore they are in violation. These 3 collections were closed and reinserted on the same day, XXXX/XXXX/2017. I disputed the accuracy of these accounts and they were removed, they should not have been reinserted back to my report. In the attachment below these are the exact same 3 accounts being removed and added back WITHOUT prior notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: EQUIFAX, 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:
I have a XXXX for the year 2015. The balance on my credit report should be {$0.00}. The debt cancelled on the XXXX shows {$10000.00} on my credit report it 's almost {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Three years ago I took out a {$300.00} loan from a loan store. I did not pay it back when I was suppose to. Not one time did I hear from the company via phone, mail, court etc. now I have someone calling my phone telling me if I dont pay it this day etc Ill be garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
They will not update my address to my current address and remove the incorrect addresses from my 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 2022-05-04
Company: Experian Information Solutions Inc.
State: MO
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:
I sent a certified letter to Experian on XX/XX/2022 to remove inaccurate and non current personal information from my credit report. According to the FCRA 1681, I have a right to privacy. According to to 15 USC 6802, no financial institution can share my personal information with a third party. This is clear evidence that violations were made 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 non-monetary relief
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just looked at my credit report and was shocked to see the error you have listed. I am writing to have you remove them immediately. The following account needs to be removed immediately : Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : VERIFY AND VALIDATE all data. By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. As I am sure that you are well aware, current XXXX case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.

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 2020-01-02
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been having an issue with my mortgage company freedom mortgage since XX/XX/XXXX. I filed for divorce in XXXX and at that time I was unable to pay some mortgage payments. I have tried to gain a modification through freedom mortgage and complied with all of their requests. As of now they have granted me a trial. Which I have been paying for the past six months they also told me in writing that I would be the successor of the loan. I am finding out that they no longer are willing to allow me to be the successor of the loan and want my ex-husband to still be responsible. I am willing to make payments in order to keep my home for myself and my XXXX small children I have been treated unfairly and have been fighting for my home since XXXX this has been a great struggle and I am finding that freedom mortgage is not willing to allow me to keep my home even through all of the efforts that I have made. I have fully complied with everything they requested ... they have given me false information they have lost a certified bank check that was made during this trial period and now they are taking back things that have been in writing. I am desperate for 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 2022-05-04
Company: EQUIFAX, INC.
State: PA
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:
reported fraudulent inquires in XXXX XXXX and they were not removed List of inquiries : XX/XX/2021, XXXX XXXX AT XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: ID Analytics, 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:
Report provided by XXXX XXXX to XXXX XXXX shows artificially low credit score due to nontraditional reasons. At the time of my auto loan inquiry with other Banks, my scores from the main 3 bureaus were XXXX, XXXX & XXXX. This company listed me at XXXX and could have negatively affected my chances at a better interest rate. They listed reasons such as " too few retail accounts '' and " limited history at address & phone ''. I have excellent residence history and have had the same phone number for 14yrs. 

In order to get a copy of their report, I need to send sensitive identification documents via fax or mail which is not secure.

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 2017-07-25
Company: Experian Information Solutions Inc.
State: AZ
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 disputed the information you listed on my report : XXXX XXXX XXXX - I have never paid late this account, insurance paid late, please remove late status

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 2022-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America put a 7 day hold on a check that was drawn by bank of America. Funds cleared and the money is still unavailable. This bank operates like a crook

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 2020-01-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX and Experian are currently reporting incorrect information on my credit reort which is the direct result of fraudulent activity. I have advised them of this fact, submitted my ID Theft Affidavit and asked them to provide the source and evidence of the reporting. Not only have they failed to provide source date for the reporting but also continue to report the information in spite of no evidence for doing so.

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