BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a notification on my XXXX XXXX today regarding a new account being added to my credit report. I did not open this account or gave anyone any authorization to open one.

please remove this fraudulent account from my credit report as it does not belong to me. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
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:
To Whom It XXXX 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 Commission, and I also have enclosed copies of the Federal Trade Commissions 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 2022-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I have a personal Capital One Quicksilver XXXX. My statement closing balance on XX/XX/2022 was {$210.00}. I used available cash back on the account to credit my XXXX {$200.00} on XX/XX/2022. I made a payment for the remainder balance of {$14.00} on XX/XX/2022, the payment due date. Capital One then charged me a Past Due Fee of {$25.00} on XX/XX/2022. I called Capital one on XX/XX/2022 and spoke with XXXX in the XXXX customer service center. She stated that since I did not make a minimum payment of {$25.00}, I was charged a {$25.00} past due fee. I argued that since I credited the account with {$200.00} from cash back and made a payment of {$14.00}, the full statement balance was paid in full by the due date. She said I needed to pay more to satisfy their payment requirements. I believe this is overcharging the customer. The statement balance was {$210.00}, I had a credit for {$200.00} and a payment for {$14.00}, which satisfies the full balance on the account as of the statement closing date. I asked if I charged my account {$100.00} and received a statement showing {$100.00} due, and then returned the item for {$100.00}, would I still need to make a payment? She did not answer me, but I suspect I would be charged a late fee and possibly interest since I did not make a minimum payment even though the balance was {$0.00}. 

It is not fair or right to the consumer that Capital One does not treat credits or returns as payments in the current credit cycle. In my experience, Capital One does not count returns toward the current payment due, but credits the next statement balance. Again, Capital One is penalizing the consumer for credits and returns by requiring full payment of the statement balance, even though they have received money ( payment ) in the form of a credit or return. This is not a fair or equitable way to treat their consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Tried to call in to customer service in regards to my loan payments and setting up auto payments and the dealership did not help along with trying to get hold of Wells Fargo Dealer services since a Wells Fargo branch was not close to my home at the time. They repossessed the car after only a few months of having it. And I had a remaining balance after they sold it in auction I believe and did for a long time but it was between the years of the fraudulent activities from 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 2021-05-08
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Hi AMERICREDIT/GM FINANCIAL ; and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: WELLS FARGO & COMPANY
State: NH
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:
I had disputed a XXXX transaction worth {$230.00} on XX/XX/XXXX and wells fargo has nothing done anything until date XX/XX/XXXX and they call me today asking for more information and stated that they haven't worked on my claimat all. It's been 4 weeks and that claim hasn't moved a bit. When I called in today, this lady XXXX from the claim department was pathetically rude and when I asked her for her name she refused to give that to me and after asking that repetitively she finally told what her name was. This is ridiculous customer service and such people should seriously be fired. I need my claim resolved asap Claim ID # 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 non-monetary relief
Consumer complaint received 2021-11-09
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2021 received a text from TD Bank that a checking account was opened in by me ( XXXX XXXX XXXX ). I had not opened account. Called TD Bank immediately and they were very helpful. I was passed to their Fraud Department and they confirmed a fraudulent account was opened. They confirmed by social security number, address and email had been compromised. TD Bank also confirmed a business accounts I was formally a co-signer was not compromised. TB Bank confirmed a closure letter for all accounts opened would be mailed to me within XXXX weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX : {$320.00}.

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 2020-03-12
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:
XXXX has my credit card debt much higher than what it is. Equifax and XXXX XXXX also has my credit card debt higher than what it should be. These Three companies all have me with late payments to my mortgage company which I am not late or have I ever been late in the last six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Haven't received updated term sheet from Amerisave Mortgage Corporation since XX/XX/XXXX. Lender has had all my documents to close the loan since XX/XX/XXXX and made me pay {$500.00} for an appraisal. They did not rate lock the loan yet and I have requested information on when we should rate lock for the lowest interest rate and in fact asked them to rate lock on XX/XX/XXXX BUT they never did nor sent me confirmation of anything. They have ignored my calls and not called me back since XX/XX/XXXX and every email i write to them seems to get ignored or given a fraudulent reply about them going to send the updated term sheets. The company is MIA it seems and has all of my confidential information with them which makes me very worried.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: NEW YORK COMMUNITY BANCORP INC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a principal payment to bring my XXXX to 77.8 %. After it cleared I sent in a PMI waiver form to ask to have the PMI automatically removed. They are now saying the bar has been moved and I will need PMI until 65 % XXXX. NO where in my original loan documents from the original LOAN I signed did it state that. Also Washington state law does not allow PMI to be charged on any mortgage after 80 % PMI. They also said I need o get an appraisal which is crazy cause I have only been in the house for 4 years. How much value could it have lost i n the recent market. I have argued numerous times and now they want a check for a XXXX appraisal at my expense. I was always have been on the understanding PMI automatically removes unless there is some special circumstance such as a blighted neighborhood where the house may have lost value. This is with Flagstar Bank who is currently servicing the loan.

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 2020-02-25
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Today I was sent a notice of adding more fees to my already ridiculously high fee schedule. I have paid over XXXX $ to this company in fees for withdrawing my OWN money whilst also incurring fees from the ATM holder. Now they've updated that as well and changed the entire network of ATMs to ones that are scarce. They're forcing us to pay these ridiculous fees and all I was told was I could close my account. This is preposterous and illegal!! Taxation without representation is a crime. These fees may as well be considered a tax for being poor or having a financial prison for those who don't wish to have a traditional bank account due to lax cyber security surrounding identity theft and fraud, a headache that many do not want and chose prepaid as an optional replacement. How is this getting by with anyone? 
If I'm going to be bound to pay these fees, I should XXXX well be able to speak to a person in AMERICA who speaks ENGLISH and can Understand me, not to mention the level of service is NON existent. Why is this ok?

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 2023-01-19
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: Reporting company used your report improperly

Complaint:
This letter is being sent to you in response to the account furnished in my Report. 
When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. 

According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.

Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my California XXXX ID was stolen from a mail truck in my neighborhood. Since that time, the person that stole my ID has tried to open several XXXX XXXX in my name. When they were blocked due to a credit freeze, their next move was to walk into a Chase bank branch on XX/XX/XXXX and approached a bank teller with my XXXX ID. The bank teller, without asking for other proof of identification, proceeded to write my account number out on a withdrawal slip, and give this fraudster {$1500.00} dollars from my savings account. It happened at another branch on XX/XX/XXXX in the amount of {$500.00} dollars. I then was made aware of the funds being stolen. I called Chase, put a lock on my account and was told to go into a branch to change my account numbers. I did so on XX/XX/XXXX. On XX/XX/XXXX while out of town, the person walked into yet another branch and successfully withdrew another {$1500.00} from my savings account. I am working with XXXX to get my funds back, however, Chase keeps denying my claim of fraud saying that since the funds were withdrawn from branches near my home, they believe it was me. Also, according to Chase the signatures look similar, however when you look at the fraudsters attempt at my signature, they misspell my name, why would I misspell my OWN name?!?! I am having to jump through major hoops to get my hard earned money back and the Consumer Finance Protection Bureau needs to know about this!

You should also be aware that there was another withdrawal done from my checking account with just my Real ID in the amount of {$1300.00}. Chase has returned those funds, however, they made the decision to send the refund to my mother! I had asked them to mail me a check since I left Chase bank entirely, they instead did an electronic transfer of {$1300.00} to my mother! When she called on it, they had no explanation as to why they made that decision. 

What's most alarming though is that someone can walk into a branch with just an ID, no other proof and withdraw money from someone's checking/savings account. People need to be made aware of this. 

I have many documents that give proof off all these occurrences including a police report, however, most have personal information on it and I do not want to submit that at this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-19
Company: NCB Management Services Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCB Management Services continues to report inaccurate unverified information about me to XXXX XXXX & XXXX. I wrote the company, they received my letter XX/XX/20, and replied with a letter dated XX/XX/20. The letter stated that they were unable to substantiate the allegations in my dispute. I requested that they send me the Original Documents or Contract with my Signature on it verifying {$3500.00} reported debt with them. No requested supporting documents were included nor was original document/contract/substantiation referenced in the letter dated XX/XX/20. NCB not only continues to report unverified information to the 3 Credit Bureaus but they also report monthly late payments. ( Please note that I made 4 disputes XX/XX/20, XX/XX/20, XX/XX/20, & XX/XX/20 with the 3 Credit Bureaus all resulting in Dispute resolved ; reported by grantor remarks, no changes made, no deletes/no removal, and no supporting documentation received )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LVNV Funding LLC won a default judgment against me by sending court paperwork to an address that I dont live at, and I was never served any paperwork to defend or dispute the alleged debt in court. Whats more, they filed the motion for judgment in a county that I dont live in to further ensure that I wouldnt appear for the court hearing. Now, my wages are being garnished due to this companys failure to notify me of the debt and allow me to challenge the debt in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2022-04-20
Company: EQUIFAX, INC.
State: DE
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 


XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXXXXXX Balance : {$710.00} ; XXXX XXXX XXXX Balance : {$300.00}.

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