BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report 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 2020-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hi, My name is XXXX XXXX. 

I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX   RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: JPMORGAN CHASE & CO.
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:
I am a victim of identity theft. This inquiry was not authorized by me. I have attached documentation to validate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I reached out to my financial institution regarding a XXXX transaction on my account. The transaction amount posted was {$150.00} already sent to the recipient. I asked if I can dispute however, my financial institution claimed XXXX disputes are non-disputable and I had to reach out the merchant personally to solve the problem. This transaction occurred on XXXX XXXX. Prior to calling my financial institution, I tried to get a hold of the merchant but unable to successfully do so. 

And so here I am writing this statement to the Consumer Financial Protection Bureau ( CFPB ) to see if I can successfully dispute the transaction through here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I applied for the XXXX Rapid Rewards Premier Business Credit Card from Chase. This was for my business account. I filled out all requested information. They also ran my personal credit. The " Fraud Operations Department '' then sent me a letter requesting a bunch of additional information including " PHYSICAL STREET ADDRESS FOR AUTHORIZING OFFICER '', " NAME OF YOUR COMPANY '', FEDERAL TAX IDENTIFICATION NUMBER '' AND " PROOF OF CURRENT BUSINESS PHYSICAL ADDRESS ''. 

All of this information was provided in the application. I was on vacation when the letter arrived and I had to call them to clarify the request. The help line was clearly individuals that do not live in the United States. I stated that I had previously provided them all of the requested information. I gathered proof of all requested information and took it to a Chase Bank Branch where they said I could fax it. They provided me several fax numbers and each time I would call, they provided a new fax number. I faxed it again multiple times and they said my application had expired but they could re-open it. I then faxed again and they claimed they had not received anything from me. After everything, they said that I had to apply again online.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: Ability Recovery Services, LLC
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: Old information reappears or never goes away

Complaint:
I have 2 collection accounts from the same company XXXX XXXX reporting to 2 different collection agencies with 2 different amounts on all 3- credit reports. One is for {$810.00} which was removed during a previous dispute and one for {$730.00}. I would like them removed for inaccurately posting I formation to my credit 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 explanation
Consumer complaint received 2017-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I REQUESTED THAT INFORMATION ABOUT ME BE SHARED WITH ANYONE FOR ANY REASON EVER. CAPITAL ONE STATED THE FAIR CREDIT REPORTING ACT STATED THAT THEY WERE OBLIGATED BY LAW TO DISCLOSE TO CREDIT AGENCIES, LATER THEY CLAIMED THAT I OBLIGATED MYSELF CONTRACTUALLY. 
I WOULD LIKE TO KNOW WHICH AGENT EMBELLISHED TO ME AND WHY. ALSO, SINCE MY IDENTITY WAS STOLEN ON SATURDAY I HAVE RECEIVED COOPERATION FROM ONLY ONE FINACIAL INSTITUTION TO RECTIFY IT AND RECEIVED NO HELP FROM THE DOJ, FBI, OR AG FROM TWO STATES

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
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: Account status incorrect

Complaint:
SPOKE WITH A MANGER TODAY AT XXXX XXXX XXXX XXXX AND SHE WAS EXTREMELY RUDE AND TOLD ME THAT THERE WAS A 60 DAY LATE ON MY XXXX XXXX XXXX CARD. THIS CARD HAS NEVER BEEN LATE AND DEFINITELY NEVER BEEN 60 DAYS DELINQUENT. THIS ERROR IS KEEPING ME FROM GETTING APPROVED FOR A CAR LOAN PER THIS MANAGER I SPOKE WITH TODAY. UNFORTUNATELY I DONT REMEMBER HER NAME BUT SHE WAS RUDE AND WAS A LENDING SUPERVISOR! I HAVE LOOKED AT SEVERAL DIFFERENT VERSIONS OF MY CREDIT REPORT FROM SEVERAL DIFFERENT SOURCES AND NONE OF THEM SHOW THIS 60 DAY LATE. BUT XXXX SAYS I HAVE ONE. WHICH IS INCORRECT.

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 2022-07-16
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am being sued for foreclosure by a group of companies : Selene Finance/Selene Holdings and XXXX XXXX XXXX and XXXX XXXX  and possibly others that have joined the suit I have not had a hearing. My lawyer and I have - filed in court requesting for discovery - tried to negotiate, submitted offers only to receive outrageous responses, - never once been offered the option to refinance, or do a loan modification The plainriffs ' lawyers have buried the court in hundreds of papers- many false or falsified, or misrepresentative of the actual facts None of these companies have ever once sent a piece of mail, made a phone call, or tried any in way to collect the " debt '' they are pursuing in the foreclosure. As the defendant I have never received any relevant information to make a payment or attempt to negotiate new loan terms. There are no documents with account numbers, or amounts owed, or payment process and submission guidelines ever received. 

There is a hearing for summary judgement this month I would like additional defense assistance against the illegitimate business practices of these companies. 

Please publish my information so that others may be aware of the unscrupulous practices of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been disputing these items through the credit bureau and they keep them on my report. There is a car loan listed through Capital One, that was updated on XXXX as a repossession on a vehicle that I still have and that is n't on repossession status that I still have and I am current on. Also, there is a credit card listed on my credit that does n't belong to me. I have never had a credit card ever, with Capital One. I need this removed off of my credit immediately. I called them to rectify this, but they say that it is n't in their system, but I have proof from my credit report on both issues showing this. I need this resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX I sent a response to a Collection Agency named Portfolio Recovery Associates LLC who claim that I have a debt of {$970.00} through XXXX XXXX. This Account is not mine and the address associated with this account I have NEVER lived at. I have asked them to provide signed documentation that proves I have contractual obligation to this account and even asked them for a copy of their State Licence and number and they did not provide this. Per the Fair Debt Collection Practices Act they are to provide me with this data to prove that this is my account and they have failed to do so so they must remove this account. The only Proof they have been sending is credit card statements from years ago that dont even have my real address, this is not valid evidence that this is my debt, especially since I never lived at the address on those bills. They sent several letters to me with the same identical packet of information and nothinng new or what I asked them for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
In my comcrica bank checking account, there were XXXX transfers from XXXX to XXXX, all of which were transferred to XXXX XXXX XXXX. The total amount was about XXXX yuan. I didn't transfer these money. My account number is XXXX, I want to get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
To whom it may concern, I receive a letter dated XX/XX/2020 Capitol One Case XXXX will update my account and no longer be charged to the listed accounts. 

Effective today, the Customer Service Representative at Capital One has read quite different things to me about how my account will always be reported as ongoing charge off. I said that the letter did not express anything verbose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
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: Their investigation did not fix an error on your report

Complaint:
Are unauthorized inquiries that hard to remove from a consumer 's Credit report? The Credit Bureaus have been neglecting their duty and have failed to comply with the FCRA section 605b and continued reporting the inquiries that I never made nor authorized anyone about these inquiries. I already sent twenty-six dispute letters to the Credit Bureaus requesting that they remove these inquiries completely from my Credit file. Upon reviewing my updates, these unauthorized inquiries are still being reported on my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Green & Sons Agency, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been continually harassed by XXXX XXXX XXXX for years over alleged medical debt XXXX XXXX XXXX ( XXXX ). They called my work many times while I worked in a XXXX workplace and were requested to stop. 

Several times they called to confirm I worked there and then hung up on me. Calling and hanging up on someone and not identifying your self is in violation of the Fair Credit Reporting Act. 

I requested from them numerous times of evidence that I had an agreement or contract for the alleged medical debt. The only evidence they had was an invoice but no contract or legal agreement. 

On XX/XX/2017 I paid {$2100.00} to XXXX XXXX XXXX for said medical debt. Please see the attached document showing I have paid the alleged debt. I checked my credit report on that date and today and the collection still exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Transunion did respond however I am very upset with the results ... I file a dispute with inquiries and XXXX XXXX XXXX  ( aka ) XXXX XXXX  ) also I file a dispute with XXXX XXXX ... XXXX XXXX did investigate and found this account to be fraudulent!

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 2022-07-16
Company: NAVY FEDERAL CREDIT UNION
State: NV
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:
I can't stop these unauthorized charges from coming out of my account at NFCU. I called NFCU twice today ; and the representative had me on hold for an hour, went silent and then ended the call. Called a second time, representative transferred me and call ended again. I asked NFCU to dispute the below fraudulent charges from company XXXX - this company tried to charge my other cards in the past as well and I had to dispute. 

XX/XX/2022 Pending XXXX Debit - XXXX  Check Card XXXX - XXXX  XXXX XXXX  XXXX XXXX XXXX  - {$0.00} XX/XX/2022 XXXX  Debit - XXXX Check Card XXXX - XXXX XXXX XXXX  CA XXXX - {$19.00} XX/XX/2022 XXXX  Debit - XXXX Check Card XXXX - XXXX XXXX XXXX  CA XXXX - {$9.00} XX/XX/2022 XXXX  Debit - XXXX  Check Card XXXX - XXXX XXXX XXXX CA XXXX - {$4.00} XX/XX/2022 XXXX  Debit - XXXX  Check Card XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - {$9.00} -- The below from XXXX are unauthorized charges made by a minor- separate from the fraud charges from XXXX : XX/XX/2022 XXXX  Debit - XXXX  Check Card XXXX - XXXX XXXXXXXX XXXX XXXXXXXX # CA XXXX - {$5.00} XX/XX/2022 XXXX  Debit - XXXX  Check Card XXXX - XXXX XXXX XXXX  XXXX # CA XXXX - {$5.00} XX/XX/2022 XXXX Debit - XXXX  Check Card XXXX - XXXX XXXX XXXX XXXX # CA XXXX - {$5.00} XX/XX/2022 XXXX  Debit - XXXX Check Card XXXX - XXXX XXXXXXXX XXXX XXXX # CA XXXX - {$3.00} XX/XX/2022 XXXX  Debit - XXXX  Check Card XXXX - XXXX XXXX XXXX XXXX # CA XXXX - {$3.00} XX/XX/2022 XXXX  Debit - XXXX  Check Card XXXX - XXXX  XXXX XXXX XXXX # CA XXXX - {$2.00} XX/XX/2022 XXXX  Debit - XXXX  Check Card XXXX - XXXX XXXX XXXX - {$19.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-16
Company: Experian Information Solutions Inc.
State: CO
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 Account  XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2022-07-16
Company: EQUIFAX, INC.
State: UT
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:
Here is the list of hard inquiries that i do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I borrowed from XXXX XXXX, then I consolidated. My loan servicer turned into Navient. Navient will not allow me to make payments to principal without clearing accrued interest. I wrote a letter about two years ago asking for payments to be applied to principal first, then interest. No payments are due from me at this time as I have been making payments as aggressively as possible. On the phone today, I was told it is company policy, that they are not allowed to apply payments to principal before interest. I was told no matter what I do, Navient will always apply payments to interest first, NOT principal. I informed Navient of my opinion that this is wrong, especially since I never agreed to Navient servicing my loan or any hierarchy in applying payments as far as I know. I asked how to get my loan to another loan processor who will respect my preference for principal to be paid before interest, and was told to hold for a supervisor. The supervisor told me that Navient follows a " federal guideline '' from the Department of XXXX that says to apply payments to interest first. I can not find this guideline anywhere online despite the fact that I asked the Navient supervisor to direct me to it ; he could not. Supervisor told me the only way to move loan would be to consolidate.

Company response to consumer: Closed with explanation