BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter from Capital One to prove who I am around XX/XX/2021. It stated they needed a copy of Social Security Number. I mail the copy in. Around XX/XX/XXXX they put both my Credit Card on hold ( Restricted ). I called them to ask why, they informed me they never received my information. I asked them to send another letter in witch they refused. They also miss informed me that they needed a picture ID and not My social Security Number. I called again on XX/XX/2021. I spoke to a lady for 40 minute on the phone. She informed me that I only needed to send in my Social Security Number. I sent in the copy once again. On XX/XX/2021 I called to see why it was still restricted to find out they have canceled both my credit cards. They informed me that they have received my information but it was passed the XX/XX/2021 deadline. When I asked them to identify the date it received, they said they could not fulfill that request. I was on the phone for 53 minutes and no one could identify the date my letter was received or inputted into the system. I am now out of 2 credit cards while paying interest and impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 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 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 non-monetary relief
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-26
Company: Collection Management Holdings, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I complained to you, they responded on XXXX claiming to stop calling. 
Just listened to my messages, there were XXXX calls from them. I only listened to XXXX envelope of the messgae which was dated XX/XX/XXXX XXXX am. 
AFTER THEY LIED AND SAID THEY WOULD STOP. They clearly dont respect this office and continue to XXXX XXXX I hope you will charge them a fine and do something as a penalty for co ti using to harass me ( for something I DO NOT OWE ). On top of being rude criminals they are idiots. My balance with XXXX is XXXX. As I stated before I am taking legal action. If you could be so kind as sending me their address I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: AR
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2023-03-01
Company: Experian Information Solutions Inc.
State: MO
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:
Experian, XXXX, and XXXX agencies are not in compliance with the Fair Credit Reporting Act 15 U.S. Code 1681s2 What is 15 U.S.C. 1681 a 2 state regulations?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

XXXX, Closed Account that has been furnishing false and misleading information to Experian, XXXX, and XXXX is False and inaccurate have disputed this account 3 times with each of these reporting agencies I have sent letters to all 3 Agencies with documents in this matter and this account need to be removed from my consumer reports immediately for inaccuracy of reporting and also reporting pass the statue of limitations this is hurting my credit score a complaint with the Attorney General Office documents will be attached

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 2023-03-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NV XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1200.00} ; 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 2023-03-13
Company: Experian Information Solutions Inc.
State: CA
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:
Dear CFPB Staff I have an account with XXXX credit reporting company that updates me on my credit score monthly. XXXX also shows the credit score of the other two credit reporting companies such as XXXX and Transunion, but the information appearing on the XXXX website about my credit debt with XXXX and Transunion is incorrect. My total debt is {$8400.00} and NOT {$11000.00} which is old information shown on the XXXX website. I have tried to address this issue with XXXX before and nothing has changed. XXXX needs to update its website and communicate with both XXXX and Transunion to correct this error on its website. ( please see picture attached ) I have also filed a complaint with CFPB to XXXX Complaint # XXXX and again XXXX did not fix the issue with 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 2023-01-18
Company: Block, Inc.
State: NY
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: Overcharged for something you did purchase with the card

Complaint:
I placed an order on XXXX thru afterpay ( company that uses single use card and lets you pay in four installments ) on XX/XX/XXXX for {$31.00}. Afterpay sent me an email that the order was for {$690.00}. They took out the first installment of {$170.00} immediately. They overdrafted my bank account and every time another bill comes out, i get another fee. They are telling me they cant refund me until the single use card expires NEXT MONTH. I even did their job for them and contacted XXXX. They sent me an email which i forwarded to afterpay that states the purchase was no where near what they charged and was canceled. They still refuse to issue me a refund. ive filed a complaint thru the attorney general in my state. I am unable to buy groceries or pay rent etc. because my account is overdrawn and im literally wracking up fees. This isnt fair!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I'm a mortgage professional with 15 years of lending experience. I currently have a first mortgage with XXXX  XXXX XXXX and second mortgage with Wells Fargo. I'm in the process of refinancing the first lien with XXXX XXXX, however, I'm having a difficult time getting Wells Fargo to subordinate the second mortgage. XXXX XXXX received a response from Wells Fargo that stated that I'm in a special forbearance and as a result, Wells couldn't approve the subordination. Subsequently, after being informed, I reached out to Wells on XX/XX/XXXX at around XXXX to ascertain the reason and get clarification since I was not in a special forbearance as confirmed by Wells Fargo reps per my conversation with then on the XXXX. I was on the phone from XXXX until XXXX. I spoke to several representatives and at about XXXX, one of the supervisors hung up on me after waiting two and half hours and being told that I needed to pay the XXXX payment before a request can be processed to address my issue. I called back for an explanation and was placed on hold by a supervisor who indicated that a response had been sent on XX/XX/XXXX which was not accurate. Unfortunately, no one could explained to me as to why Wells Fargo who has the second mortgage and in a second lien position would not subordinated so I can refinance the first mortgage. My first mortgage with XXXX  XXXX XXXX is at 6 % and the second mortgage with Wells Fargo at 8 %. The goal is to refinance both. It would be inappropriate to not note that a lady by the name of XXXX XXXX was extremely helpful and understood the request but was unable to see the response sent from the department that addressed the inquiry. She was the only bright spot out of all of the people whom I conversed with on the phone at Wells Fargo. She informed me that she was going to look into it and get a response by Tuesday of next week on XX/XX/XXXX. As a mortgage professional, I asked the reps to disclose everything when I applied for the forbearance afforded per the CARE 's Act because my intent was to refinance and I didn't want anything to hinder or serve as a bulwark to getting the loans refinanced. I need CFPB to inquire as to why this occurred and whether Wells can arbitrarily decide not to subordinate a second lien after I had completed and met the requirement to be remove from the special forbearance.

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 2021-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX took {$210.00} from me for Capital One. Capital One confirmed that XXXX XXXX XXXX XXXX isn't the debt buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2023, I went to XXXX XXXX XXXX in search of a vehicle. My wife and I looked and found one we liked. They took down our information and at this time, no talk of financials happened yet. We did not even state we fully wanted the vehicle yet, we were just interested in price. They came back and told us that we could secure the loan with Ally Auto, but in " good faith '' we were required to put down a {$3000.00} CASH down payment in order for the bank to lend us the money. 

We were also not informed that XXXX different line items of " added service protection '' would be added to the overall loan, nor did we get any paperwork on any of it, except GAP insurance, which they told us we had to do. This resulted in an extra {$6000.00} attached to our loan. 

Not to mention our signatures on the retail buyers order, do not match our normal signatures, in fact they are not even close to my wife and I 's normal signature. We have reason to believe they were forged, and therefore this contract is fully fraudulent. 

They used deceiving, high pressure sales tactics to secure this loan, withholding information from us, that would have resulted in us walking out.

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 2023-05-13
Company: ACIMA CREDIT, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Im not late in payments. Im toward the end of this loan term. In accordance with the Fair Credit Reporting Act this creditor Acima Credit has Violated my rights. 15 USC 1681 Section 602 states I have the RIGHT TO PRIVACY. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as Late for any purpose. Acima are Violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report.

I did not authorize these inquiries. 

XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I will send the letter regarding the question mentioned below to TransUnion. 


TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dear sir, I have checked the credit report issued by your company on XX/XX/2023. I would like to ask why you mention unknown regarding the rating of XX/XX/2023 on the XXXX  XXXX XXXX account starting # XXXX. 


Sincerely,

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 2023-12-11
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX, we paid off our loan with TD Auto Finance. On XX/XX/XXXX, we called XXXX XXXX XXXX to confirm payment & title release. Currently, our account shows closed and no remaining balance. 

On XX/XX/XXXX, we called TD Auto Finance, and the representative stated the title was released on XX/XX/XXXX. 

As of XX/XX/XXXX, we still have not received the title. On this day, we called TD Auto Finance again, and the representative told us that she saw a couple of error messages on our account, XXXX involving the title and another on payment. The representative was helpful but was not able to provide any further information. 

TD Auto Finance has delayed our title release despite paying the account off. Also, with the call on XX/XX/XXXX, and the errors in our account, they have failed to communicate any issues/errors and have delayed our receipt of the title. 

We are selling the vehicle, and this delay and TD 's lack of communication and poor service have caused us a negative reputation with a buyer and the risk of financial harm, at the least. 

In the spring of XXXX, we will purchase a new vehicle. This experience and the XXXX XXXX XXXX XXXX article of XXXX XXXX will impact our choice of who we will use for financing. 

On XXXX at approximately XXXX AM Eastern Time, XXXX XXXX XXXX New Hampshire Department of XXXX XXXX XXXX They confirmed TD Auto Finance had not contacted them that the account is paid in full and the title will be released. 

This morning, XXXX, we called TD Auto Finance and the New Hampshire Department of XXXX XXXX XXXX NH XXXX XXXX. 

In a call with the NH XXXX, they informed us the error code being received by TD Auto Finance does not exist. The NH XXXX records are correct. The NH XXXX also informed us that there is no need for TD Auto Finance to contact the NH XXXX. 

We did everything right by paying our loan on time and paying it off, and TD Auto Finance is refusing to release our title. We have spent an enormous amount of time away from our jobs to make phone calls, which we should not have had to do. 
Based on conversations in many online forums, TD Auto Finance has a negative reputation, especially for holding titles XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: Experian Information Solutions 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:
In accordance with the fair credit Reporting Act XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 2023-08-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This company, XXXX XXXX bankcard, flagged my account for fraud when someone cancelled the card and tried to have a new one issued and sent to a different state. This was after they let that person make a payment using one of my stored payments on file, and then they made purchases maxing out the card and go way over the limit. XXXX XXXX  never called, sent a text, or a notification by email! Two weeks had passed before I knew anything about the fraud. I AM IN THE MIDDLE OF A MORTGAGE LOAN. THIS COMPANY HAS REFUSED TO GO IN AND UPDATE ON THE CREDIT BUREAUS MY TRUE BALANCE AND CREDIT UTILIZATION. THEY ARE SHOWING ALL OF THE FRAUD CHARGE AMOUNTS WHICH SHOWS MY CREDIT UTILIZATION AT XXXX XXXX. I AM ABOUT TO LOSE THIS MORTGAGE APPROVAL AND THE ALL OF THE FIRST TIME HOME BUYER ASSISTANCE AND GRANTS BECAUSE THIS HAS DROPPED MY SCORE BY XXXX POINTS. THAT ALSO MEANS I NO I AM NO LONGER ELIGIBLE FOR XXXX PERCENT DOWN.. THEIR FALSE REPORTING OF MY ACCOUNT IS CAUSING ME TO LOSE MY MORTGAGE LOAN, GRANTS AND ABILITY TO CLOSE ON MY LOAN IN XXXX WEEKS. I HAVE CALLED NUMEROUS TIMES BEGGING THEM TO PLEASE CONTACT THE CREDIT BUREUAS AND REPORT MY ACCOUNT CORRECTLY. THEY HAVE REFUSED TO DO SO AND TOLD ME THEY ONLY UPDATE ONCE A MONTH. THIS IS IN EXCUSABLE AND THE INFORMATION THEY ARE REPORTING IS FRAUDULENT BECAUSE OF IDENTITY THEFT THAT THEY LET HAPPEN AND THEN WILL NOT REPORT MY ACCOUNT INFORMATION WITHOUT THOSE FRAUD CHARGES. THEY HAVE COST ME MY HOME LOAN AND MY HOME. THIS IS CRIMINAL WHAT THEY HAVE DONE

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