BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
Capital one auto finance is attempting to ruin my credit on purpose. I had an auto loan with them. My car was totaled in 2020 capital one incorrectly billed me and reported a balance after car was paid I disputed the charges numerous times to no avail. Subsequently we came to a settlement amount. The account was fully paid last week. After that I filled a XXXX  complaint requesting capital to reflect the account was paid. After that complete was processed capital one restricted access to my account. I paid the account last week. Today I was alerted the account was reported as delinquent and dropped my score by XXXX points. I'm so upset. This is so Wrong. The account is paid. And they have reported it as delinquent. I will make complaints daily to every government agency possibly until this is fixed. I feel this was done out of retaliation due to my previous complaints. This is so wrong. The account is paid. You all have restricted access to the paid account and have reported incorrect information I will get a lawyer involved. I have already made complaints to the nys attorney general. This company has caused my home buying process to he halted due to reporting to the credit bureaus incorrect info which resulted in an immediate XXXX point drop. This is so wrong. I want this fixed. 
Please help I don't know why they are doing this me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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: Account status incorrect

Complaint:
In Accordance with the fair reporting act creditors have violated my rights. Under 15USC1681 Section 602 States I have the right to Privacy. 15USC1681 Section 604A Section 2 It also states can not furnish an account without my written instructions. A Credit reporting agency Under 15USC 166B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

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 2023-03-16
Company: Westlake Services, LLC
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:
It's been over 30 days and the creditor has NOT corrected the false information that they have been reporting to the credit bureaus. They are reporting that I was 11 times late to the bureaus, YET when I had you to reach out to them months ago they sent you a letter stating that I was late only 2 times which is correct. This letter was mailed to me by your rep XXXX. 

Under Federal law they had 30 days to complete the investigation and by failing to do so, these items must be deleted from my credit report ASAP

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 2016-11-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I 've recently encountered fraud on my Citi Costco Visa card, and Citi 's representatives have given me mixed and false information about my rights as a consumer. According to Citi 's agents and a manager of the credit card company 's Early Fraud Detection department, I must pay for the amounts that were fraudulently charged to my account while the company investigates the matter. This contradicts every other bank 's practice and even Citi 's own zero liability claims for this card. It 's a deceptive practice and clearly takes advantage of the card member. Citi 's manager over the phone even threatened that if I do n't make the payments related to the fraud charges, the company will take me to collections, even while they 're investigating said charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-16
Company: CITIBANK, N.A.
State: MI
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: Problem with personal statement of dispute

Complaint:
Good Afternoon. I am a real estate appraiser that has completed appraisals for Citi before. About 10+ years ago, during the foreclosure days, I was engaged by Citi to complete an appraisal for a refinance. The subject was 1/2 mile from my office. If anyone knows the comparables and area it would be me as this is the area I work and live in. They sent me a letter telling me that I completed an appraisal and they had a review done. I don't know who reviewed my work or if they were even competent in this area. This rural area of Michigan only has a couple resident appraisers, me being one of them. They told me that I should have used different comparable sales based upon a review they had. They didn't provide the sales they thought I should have used. They told me I had one chance to explain myself and didn't provide enough information for me to respond. I needed more information to formulate a proper response. I wrote them back and asked them to please provide me with more information and if they could tell me what comparables their reviewer thought were better, I would be happy to explain why I didn't use them. Instead of giving me information so that I could properly respond, they wrote me back saying that was my one chance to respond and now I am blacklisted from future work with them. I considered filing a complaint however at that time I was so busy with work I didn't have the time to handle it. The blacklist does effect my future work opportunities as it is published for other lenders to see. I work very hard to do the best appraisals & I have been appraising for 23 years. I do not feel I should have been blacklisted as the appraisal was very good and I stand by it. Citi shouldn't damage an appraisers name without allowing the appraiser to properly stand up for themselves. I've worked for numerous banks, credit unions, attorneys for 23 years and have never been removed from any lists besides CITI. I have never been in any kind of trouble with my state licensing board or any trouble period. I ask that someone from CITI Bank please take care of this and remove my name from any of their blacklists that damage my reputation. There are other banks that use the Citi Blacklist as a guide for which appraisers not to use. Thank you for your time and please let me know if there is anything I can do to clear my name. I'm happy to do what it takes! Thank you! If you need the documents sent to me by Citi I can look those up and provide them.

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 2023-03-16
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was opened fraudulently i Did not give medicine to anyone to open this account under my name or Social Security number Continuing to keep this account open will result in a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX transfers Date : XX/XX/2023 Total amount : XXXX Bank : Capital One Description of Incident I received an alert on my XXXX about an XXXX XXXX credit card charge to XXXX with a phone number claiming to be XXXX Customer Service for questions. Not recognizing the charge, I clicked on the linked phone number to call and was connected to a representative claiming to be XXXX. He told me it was an improper transaction and that all my accounts were compromised. He said he would help protect my accounts and that I should I download the XXXX  app to my phone, which I did. He told me criminals were using XXXX to take money out of my accounts. He instructed me to enable XXXX on my bank account so that I could decline the fraudulent transactions. He then had me send money to " myself '' to undo the " fraudulent '' transactions. It appeared to me that I was sending money to myself but, in fact, I was sending money to the fraudsters under XXXX name XXXX XXXX. I did see this name on my screen but the representative explained that this was his supervisor. He then instructed me to do the same on my husband 's phone because we had a joint account, so I did. In total, there were 4 transactions totaling {$3400.00}. He then instructed me to download a cryptocurrency app. At this point, I became suspicious and ended the phone call. I then realized I had been scammed and immediately called my bank, Capital One, to report it. Capital One denied the claim because Capital One did not make an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been with Capital One for their credit cards since XXXX. I have received one credit line increase for {$100.00} and have requested a credit line increase once every year for the last 3 years. I have been denied ever since XXXX, I have never been late, I have paid before the due date and over the minimum amount due for years. Each time I have requested an increase they have used different excuses to deny me. I requested another credit line increase in XXXX of XXXX. When speaking with the supervisor, I questioned on why I was denied a limit increase and even she couldn't understand the denial when she read over my credit history with this financial institution. Not only do I have a credit card account, I have a checking and savings account with them. As previously mentioned, I have made payments in a timely manner, above the minimum amount due. The payment due date of the card is the XXXX of each month. When I make the call to Capital One to make a payment, usually on the XXXX or the XXXX of the month, they are instructed to contact my personal bank to get the funds to make the payment. This is how I know that my payments are on time, and I have my statements as well. There is no justification as to why I have not received more credit line increases. This matter needs to be investigated further. Especially when I have another card with my personal bank and was successful. I also, noticed on my credit report Capital One has reported three late payments to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I previously purchased a XXXX XXXX XXXX  through a company which my account was transferred to another company. During the process of being transferred, I was unable to make my payment on the online portal as I usually do. I could only view my amount. I had to go pay my bill to XXXX through bill pay which incurred a late fee due to not being able to get on the portal due to the transfer. I received a text few days later stating I had to call the company because my access one that transferred. I called the new company and verify the information that I received. I was given a different account number to make my future payments. During the conversation I emailed them new company the confirmation number form my prior company along with my recent confirmation that I made my payment. Days went by the new company stated they did t receive my payment. I resent the information back to them a second time. Since my account was setup on a biweekly schedule I was able to make my first payment through them on there web portal. My account have inaccurate charges due to the transfer I have my documentation from where my payment was made and a confirmation from my old lender stating my payment was successful.

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 2023-08-01
Company: EQUIFAX, INC.
State: NV
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: EQUIFAX, 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:
I am stressed and disappointed that my credit report was misused and I have been violated. I was apart the breach when the Equifax and XXXX got sued so I thought my information was protected moving forward. Thats makes me scared over the privacy of my information. As I was trying to purchase a home I discovered how I have been violated again. This is defamation of my character and putting me and my family 's livelihood at risk from buying a home. So I immediately did research to educate myself and enforce my federal consumer rights so I can moved forward in my life. As the consumer financial protection bureau I ask you to help me exercise my rights IMMEDIATELY! I have several fraudulent accounts on my credit report that should not be there. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Congressional findings and statement of purpose, my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. I am coming to you all so help me solve this matter with the credit reporting agencies. They are neglecting my consumer report. 

There are damages on my consumer report that is causing financial and psychological stress. According to, 15 U.S. Code 1681n ( 1 ) ( a ) ( b ) - Civil liability for willful noncompliance, I have the right to sue for up to {$1000.00} per damages for being under false pretenses and not knowing about how my information has used in the breach and the negative accounts that is on my consumer report. I know my rights!! Attached you will see the disputes I am sending to all the credit reporting agencies. REMOVE ALL THE DAMAGES FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX Bank XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-17
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Chrysler Capital. 

XX/XX/2022 and XX/XX/2022 It's been over 30 days and the creditor has not updated the information nor has provided proof or documentation on a late payment they have not supplied this information and they must delete the alleged late payment off my credit report. 
by federal law they had 30 days to provide and complete the investigation and by failing to do so the item must be deleted off my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-17
Company: EQUIFAX, INC.
State: MS
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 re-submitting this dispute. I have contacted this bureau multiple times requesting an investigation. I am verifying that this is me who is disputing these fraudulent items. I need this removed and blocked permanently

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is a copy and paste partially from a previous complained. I have called more than 4 times since XXXX as I have yet to get credit in my mortgage acct for {$30000.00} I paid since XX/XX/XXXX. XXXX XXXX dollars! Surely I thought If I can get a pay off statement at least it would show. But I stead of showing I owe approx XXXX $ on my home loan it still shows over {$62000.00}. I have been told numerous times it takes 7 business days to apply credit. We are now at XX/XX/XXXX. No credit showing. Where is my money and the HAF funds that have been submitted by Florida???? 
XX/XX/XXXX since the last complained there were some adjustments made and then just of a sudden reversals done. I still do not see any further HAF payments. DEO/HAF states they have sent over {$13000.00} in total since XXXX, XXXX. 
I made another regular monthly payment XX/XX/XXXX this one was also reversed. Why???!!!!! Now my payoff shows more than XXXX $ on the account. I have reached out numerous times via phone and email to the company. I have asked for escalations and keep getting told no managers available. I need to be patient. I have been getting the run around since XXXX with substantial funds not applied. What else do I need to do??? 
XXXX XXXX {$1900.00} check # XXXX XXXX XXXX Check # XXXX by phone {$9900.00} conf # XXXX XXXX XXXX  acct. 
check # XXXX by phone conf # XXXX {$19000.00} Check # XXXX {$10000.00} principal XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Opened in credit card with wells Fargo in XXXX, and have had it since then. Wells Fargo is jacking up the interest rate so far that it has become more than the credit line I have itself. They keep threating me to charge it off and keep reporting my credit so it drops my credit even though I am never late when it comes to payments and they charged the interest 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