BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 a scammer used the 'did not show for jury duty ' scam to scare me into paying {$2700.00} so my wife would not be arrested. It was a very sophisticated scam and I was forced to act within a specified time frame - I paid the requested amount with a debit card. We had second thoughts when the scammer tried to get more money from us and realized we were scammed - we confirmed it by contacting the sheriff. We notified the bank and our local police about 1 hour after the payment was made. Since then we have provide all requested information including the scammer 's emails, police report numbers, audio recordings, invoices, etc. The bank notified us by email that they denied the claim. The bank also sent a letter via mail disapproving the dispute dated 1 week BEFORE I sent them all the information they requested. After denying my claim I requested information and explanations from them regarding their investigation such as, who received payment, what was their policy on refunding scammed funds, how they justified the mailed letter stating their investigation was complete and denied my claim before they had all the details, and whether they thought I was trying to defraud them in this matter- they refused my request for all of that information/explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED A RECENT REPORT OF MY CREDIT AND FOUND SOME INNACURATE ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE DEROGATORY ACCOUNTS DOES NOT BELONG TO ME AND THEY ARE CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. IT HAS BECOME VERY STRESSFUL TO ME BECAUSE I SHOULD NOT HAVE TO GO THROUGH THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
We voluntarily surrerendered our   XXXX     XXXX   XXXX   in  XXXX  of 2016.Paid money to get it back in  XXXX  2016.the reason we surrender was because of very poor mecanical condition.within 7 months we invested {$13000.00} in repairs and it still needs {$4000.00} in repairs. My fiance and i are on  XXXX  (   XXXX   XXXX    ) . Paying out these kind of repair bills has set us behind on both vehicle loans.On  XXXX   XXXX  they reported the loan closed and status is collection/write off and we still have possesion of both vehicles .They have made no attempt to contact us by phone or mail and have never attempted to reposess either vehicles at any time. In the past we have follow all pay arrangements and they refuse to send monthly statements by mail or email and they refuse to provide written documentation of the arrangements.The company is credit acceptance .They have has several class action law suits filed against them. And some were won.

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 2017-05-03
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:
XXXX   XXXX  is report account #  XXXX  as being recently late on my credit report. This account has been transferred to another government and currently being paid, so could it get late. The all student loan accounts at CURRENT!     This has impacted my credit score and dropped my score  XXXX  points! Please have this removed as the date on this information is incorrect as well. This has been closed and they are changing dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: WELLS FARGO & COMPANY
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2022 I made a {$2900.00} online balance transfer. I was charged the {$2900.00} onto my credit card. The other credit card never received the {$2900.00}. I contacted the company with whom I made the online balance transfer and found out that the funds went to a company that I dont have a credit card with. I made numerous attempts to call the company to let them know about this issue to resolve it and get my money refunded. 

On XX/XX/2022 I was able to reach the company with whom I started the online balance transfer and explain the situation. At that time I informed that they will be contacting me within 90 days to set up a conference call with both the company that I made the balance transfer and with the other company which received my funds. 

In XX/XX/2022 I called about the progress of a resolution. I was told that I was the one that had to contact the other company and set up a conference call to resolve the misapplied funds. I called the other company numerous times and could not even get any information because I dont have any accounts with 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 monetary relief
Consumer complaint received 2022-12-26
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 status incorrect

Complaint:
I recently applied for financing for a home, unfortunately because of the false delinquent reporting ( XXXX  currently ) on my XXXX XXXX XXXX XXXX XXXXXXXX ) my Credit scores were too low. 

I reported the inaccurate reporting to the company XXXX XXXX for them to fix the issue of misreporting on the beginning of XXXX when I saw the first misreporting. They said it would take up to a month, for the reporting to be corrected with the credit reporting agenciesit has now nearly been two months and still the misreporting shows that Im late to my payments.

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 2019-09-18
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Deceptive practices regarding Mortgage loan with XXXX XXXX & Ocwen Foreclosure ( no notification )  proceedings then transferred of mortgage to PHH Mortgage Company loan modification. 
I have uploaded a copy to CFPB XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: ProCollect, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX apartments fraudulent fees. I did not forfeit my rental agreement but am getting charged for fees that I did not incur. Don, t understand why they are charging me over {$600.00} dollars. These are fraudulent charges that a manager decided he wanted to do.

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 2023-05-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 lost my wallet and couple days later had fraud in my checking account with depositing and withdrawing checks and cash through multiple atms and I Add claims and the back office refuses to call back and this has been going on for 2 months now and they keep denying claims and sill have the wro ng Info.  I faxed a police report and have a detective which has received the film from the bank so I do n't understand why this  XXXX  is still not solved. Bank of America is the worst bank Ive seen

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 2023-02-17
Company: DISCOVER BANK
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:
15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights under 15 USC 1681. 

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

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe 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 2017-05-02
Company: EQUIFAX, INC.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On  XXXX   XXXX ,   XXXX   I received an alert that   XXXX   XXXX    had pulled a hard hit on my credit. I have not applied for credit in 2 years. I called  XXXX  and they said this is an error, and no one has pulled credit in my name, I called Equifax to report the issues, I had the same problem with them last year at this same time. They are telling me they can not dispute and that there is no way for them to tell if I did it and just do not want the inquiry on my credit. I told them if they would do the dispute, and call  XXXX , this will settle the problem. They flat out refused to do the investigation. I want this inquiry removed and they need to do the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 currently have an open complaint with Transunion ( Please see notes in that complaint ) I contacted Transunion today XX/XX/XXXX to check on the status of my dispute. I was told by the agent that there has not been a reopening of my dispute and they were not working on any dispute. 

I informed them that they responded to CFPB on XX/XX/XXXX that " they were still working on my issue and should have a response shortly ''. Well they are doing absolutely nothing for this issue that I have claimed as fraudulent for the last 4 years. 

I was told XX/XX/XXXX after talking to a XXXX for several hours that he would remove this bankruptcy file but their system was down and I needed to call back tomorrow which i did but only to be put back to square 1 explaining the last 4 years and what currently happened to being told this will always come back Verified unless I get it espionage at the court ... WHAT PART OF I never file bankruptcy don't they understand. 

I truly need help this has been a nightmare for myself and my business has suffered because of the reporting of this inaccurate information. 

Transunion has dragged their feet every time I have disputed this and always gives me this generic letter stating this file has been verified accurate. But will not say who they are verifying this information thru. I found out today they use a company call LCI which is a Transunion company which means as the agent stated this will always come back verified because its in the system .... 

This is a violation of the FCRA. I have told them over and over this is fraudulent information they have on my file and I have requested it be moved for those reason. I have all the alerts - credit freeze and all to protect me now and I keep my credit locked all the time. 

I need assistance from CFPB to intervene in this situation as I feel TransUnion is not trying to hear what am saying as a consumer.

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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. 

Account name : # 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 an 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 2023-01-25
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Wells Fargo and XXXX XXXXXXXX XXXX knowing that XXXX XXXX AKA XXXX AKA XXXX also a XXXX XXXX XXXX have both wire transferred overseas my trust money the sooner you can put them in prison and stop them from harming consumers with their malware that they have hacked into phones with also Federal reserve is after Wells Fargo they have been fined repeatedly and continue to cheat people and steal their money

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting 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 information was reported incorrectly on my credit report without my consent please remove it from my report

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 2023-11-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Inquiry 1 ; which was not answered with any comprehension On or about XX/XX/XXXX ; changes and amendments were made to the Citizens Bank Mortgage Account without authorization by the Mortgagor. Online requests were made but no reply given to the list of questions submitted on : ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ). 

Inquiry XXXX ; which has not been answered at all There was a Deed/Title Transfer/Amendment on the Mortgage Account and/or Property that Citizens Bank gave written approval/acceptance for XXXX Many letters of inquiry submitted via Fax, US Mail, and Citizens Online ; in XXXX XXXX and XXXX XXXXXXXX : ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The REVENUE GROUP # XXXX has never provided Validation of Debt, Method of Verification, Assignment of Debt for this alleged account. However, continue to report this information on my credit report. 

I never received noticed about this debt and as you can see NO REQUESTED documentation has produced. In addition, they are in violation of my Hippa Rights.

It's been over 40 days since I have requested this information, now they are in violation of the Fair Credit Act as well.

Company response to consumer: Closed with explanation