BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Someone from my household bought an item on XXXX with my card accidentally instead of using theirs. I filed a claim with the bank on XX/XX/XXXX and they told me that its fine and they let it go through and refunded me on XX/XX/XXXX. On XX/XX/XXXX the bank rebilled me. I tracked down the item from my household member who had left the box unopened since it was in my name. I got a return slip form the merchant and returned the item. I emailed the merchant when 2 weeks since the item was delivered had passed and asked them where my refund was. They said that they refunded me on XX/XX/XXXX and to take it up with my bank. I called my bank again on XX/XX/XXXX telling them what had happened and they asked me to upload all the documentation on an update link they had sent me which I did about half hour after I got the link. They said they would review it. Today XX/XX/XXXX I got a letter in the mail saying they denied my claim because it had been 60 days already which they had mailed out on XX/XX/XXXX. I called them to ask why send me a link to upload documents and then sent my claim on the same day not even having reviewed the documents they asked me to upload. I was on the phone with them for almost 2 hours and they denied me claim anyways. I have multiple emails from the merchant saying they refunded me and to take it up with my bank. I have the shipping confirmation that the return was dropped off and they still havent dropped the rebill. The item was {$280.00} so its a substantial amount. I now have lost about {$300.00} and I have no item since it was returned. I pay this bank {$100.00} annually so they protect my interests and they have robbed me of {$300.00}. I don't understand if they don't find it a valid claim then they could withdraw it or never accept it as a valid claim anyways. Now the merchant is been paid and they thing they refunded me when the bank is not accepting the claim. This is a complete abuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-31
Company: Bull City Financial Solutions, Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was alerted by XXXX about a collection account placed on my credit report on XX/XX/XXXX ; again on XX/XX/XXXX ; and a third time on XX/XX/XXXX by Bull City Financial. I contacted Bull City Financial in XX/XX/XXXX and XX/XX/XXXX and asked them to search me by social security number, name and date of birth. Each time they said they did not have an account connected to my information. Bull City was able to find the medical account related to my credit report but claimed there was nothing they could do to remove it from my account. Bull City was also unwilling to provide me with a written document for me to provide to my mortgage company stating the debt on my credit report was in error which later prevented me from purchasing a home.

In XX/XX/XXXX, I found the Bull City Financial collection account still on my credit report. I called XXXX XXXX XXXX   in North Carolina and spoke to a manager who said I " do not match the demographic information or date of birth provided to Bull City Financial so I have no idea why they would be targeting you. '' She said she would call them tomorrow as they were about to leave the office.

I called Bull City Financial on XX/XX/XXXX at XXXX CST and again at XXXX  CST, I explained my conversation with XXXX XXXX and both representatives said there was nothing they could do and I would need to contest it with the credit agencies. I again asked for a letter simply stating they had no file attached to my identity for me to provide to my mortgager as we're again attempting to obtain a mortgage in Washington and was told their agency was unable to help me.

I later contacted XXXX   to handle the matter further. The XXXX  Fraud Specialist was able to resolve the issue within a matter of minutes based on the fact I was a XXXX XXXX in XXXX, WA at the time medical services were rendered in XX/XX/XXXX. The specialist was also able to determine the other person had the same first and last name as me but a different middle name and date of birth.

Bull City Financial 's errors and lack of professionalism cost me the ability to purchase a home once in XX/XX/XXXX and almost a second time in XX/XX/XXXX. Bull City Financial 's actions also negatively effected my credit report and caused unneeded emotional stress, as well as hours of lost time attempting to resolve the issue when I had a clear residential and employment history on the west coast of the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Experian Information Solutions Inc.
State: LA
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 looked at my credit report and there was a XXXX XXXX account listed which I never applied for or received. my Identity has been compromised.I have notified them in the past that this account is not mine and I want it removed. This has been since XX/XX/2014.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Hi. I am receiving multiple mailing from companies offering me a loan. They are doing that because the credit bureaus ( XXXX, XXXX and Trans Union ) are sharing my personal identifiable information with them. I received a letter for example from XXXX XXXX with the amount of my debt. The letter provides the names and addresses of the credit bureaus to opt out, which I have done and I'm on their do not mail list. The problem is that the information should never have been shared with these companies in the first place. In my situation, the damage is done. My husband found out about it and its a problem for me ( I loaned my brother a significant sum ). 

I receive information from credit card companies assuring me that my PPI is protected, and I have to create passwords to view my data, and the credit bureaus can just share my information without my consent and the burden to call and write letters is on me. 

This isn't right.

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 2018-04-16
Company: EQUIFAX, INC.
State: MN
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 XXXX Talk to XXXX XXXX  about the debt i paid in full with XXXX XXXX XXXX  was told that i needed to talk to XXXX XXXX XXXX about the tradeline being reported as owing XXXX Again call XXXX XXXX XXXX and they sent me back to XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

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. 

XXXXXXXX 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 explanation
Consumer complaint received 2018-05-07
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The account showed up on my credit report. I had no prior knowledge of a debt with any medical group as I have VA Healthcare. I called the original creditor and they said they have no knowledge of me ever having a bill or debt with them. So I then disputed it through XXXX XXXX and it was said to be within standards or something to that effect. I then called the company asking them about the debt and if they would remove it and how I can dispute it. They said a dispute was already submitted. The issue is that this is effecting my credit score and Im currently trying to purchase a vehicle. I have no knowledge of this debt nor did I go into any contract of any kind with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: NC
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:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: ALLY FINANCIAL INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Someone used my information to apply from the company which is a hard inquiry on my credit which I didnt authorize that

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 2023-05-26
Company: CAVALRY INVESTMENTS, LLC
State: FL
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:
Please remove Cavalry Portfolio Services for {$1500.00} from my credit report and cease all legal action. Cavalry Portfolio Services has failed to correctly validate my debt after requesting a validation letter and wrongfully submitted a lawsuit for debt that they can not confirm that I owe. The letter was received by Cavalry Portfolio Services on XX/XX/2023. I have attached proof of delivery. On XX/XX/2023, I received a response after requesting validation of this debt, but the creditor has failed to provide any itemization or amount of debt owedI had to find the amount owed myself by looking at my credit report. I have attached a copy of the letter that was received. The letter does not contain any itemization of the balance that is supposedly owed. It has been more than 30 business days since the validation request letter has been delivered and I still have not received any type of itemization or anything at all to explain how the charges on the debt were accrued or the amount owed. According to Regulation XXXX as noted by the Consumer Financial Protection Bureau, a debt collector is required to send an itemized list and amount owed if requested to validate a debt, reflecting any interest, fees, payments, and credits since the itemization date. Cavalry Portfolio Services has violated this regulation by not itemizing any of the charges of this debt or stating the amount owed, therefore it needs to be removed from my credit report and all legal action must be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My wife received a phone call saying they have been trying to deliver medicine to me and the package was denied. They left a call back number which was different than the local number they used to contact her. They also left a case #. I called the number and gave them the case number. The lady introduced herself as someone from XXXX XXXX and XXXX and XXXX office. They had the last 4 of my SSN and bday. The lady stated something about an HSBC or XXXX XXXX ( she didn't seem to know which ) credit card from 2007 that was never paid with a sum of over {$3000.00}. I told her I do not have records that far back and can not remember this account and I do not think it was ever on my credit report as negative. She stated that if I did not pay it I would be taken to court and sued and have my wages garnished. She was somehow reading from my current credit report and see I had 2 XXXX  XXXX credit cards currently which seemed off to me. I got off the phone and did a quick XXXX search and several other people are reporting the same type of scam from this same company XXXX info is XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Number they had me call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 Huntington Bank confirmed our XXXX XXXX XXXX account for bank to bank transfers. Prior to confirming our XXXX XXXX XXXX account Huntington Bank had electronically transferred funds from our credit union to pay a car loan where the car had a lien Huntington Bank released as apart of official Indiana state records. Huntington funded our checking acct by electronic transfer from XXXX XXXX XXXX on XX/XX/2019, our savings acct was funded by a paper check written from XXXX XXXX XXXX acct. On XX/XX/2019 I requested to move our entire acct balance at Huntington back to our XXXX XXXX XXXX acct. Huntington on XX/XX/2019 claimed the transfer was stopped by the federal reserve bank stating the account information for the XXXX XXXX XXXX acct did not match. Huntington has refused to credit our accts for the funds stating the funds were kept by the federal reserve bank. 

$ XXXX vanished from Huntington acct and those funds were not credited to our XXXX XXXX XXXX act or returned back to our Huntington acct. We have been promised those funds would be back into our act no later than start of business today XX/XX/2019. Those funds were not returned to our Huntington Bank account and they were not deposited to our XXXX XXXX XXXX act. Both the Huntington Bank and XXXX XXXX XXXX accts are joint with the same owners. 

We have attached proof Huntington Bank routinely withdrew funds from our XXXX XXXX XXXX for a car payment. We have proof of deposits made to Huntington Bank where they transfered {$1000.00} of {$6000.00} in funds electronically from our XXXX   XXXX XXXX act. 

We have attached proof of statements of Huntington Bank detailing our funds were on acct in their bank. We have proof of their emails stating they could not transfer our funds back to the same account they were drawn as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Ive identified information and accounts on my personal credit. these accounts and transaction were not made by me.

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 2019-06-26
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 information incorrect

Complaint:
On XX/XX/2019 I submitted a complaint to XXXX that my credit reporting was not being updated. I have numerous late payments reported even though I was in deferrment. I have a statement from XXXX stating that I was in derferment/forebearance. XXXX  rep took over 6 weeks to respond. She confirmed that I was in deferrment but said she has no obligation to update my credit reporting as the credit reporting was accurate when reported. The FTC advisory ( quoted and attached in this email ) specifically states that student loan creditors and other creditors must update information, regardless of whether or not it was accurate when reported. The XXXX rep I spoke to ( XXXX XXXX ) stated that XXXX is not required to follow FTC advisories. I have attached the email correspondences along with my statement 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 2023-02-15
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX, XXXX XXXX my husband did a loan modification on our 30yr fixed mortgage with Wells Fargo XXXX Per the terms of the loan modification, we were to pay {$870.00} at a yearly interest rate of 3 % on the new balance on {$140000.00} under the Note and Security Instrument. Like most Americans during this time, a reduction in mortgage was a relief due to our reduced income from layoffs. We paid this balance for 11 years until we refinanced in XXXX for a better interest rate with a new lender. This is when we became aware that our mortgage with Wells Fargo was changed to a 40+ mortgage, with us still needing to pay 40 more years. After learning that we were also victims of Wells Fargo mortgage fraud, I called all the lawyers and agencies associated with suing Wells Fargo. However, I was told that I was too late to get in on any of the lawsuits. I have just become aware of the latest CFPB action taken against Wells Fargo in XX/XX/XXXX. I contacted Wells Fargo on XX/XX/XXXX, and was told they did not have us listed for any kind of compensation due to XXXX mortgage fraud. I hope someone within your bureau will be able to assist us with this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, 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:
I am a victim of Identity theft and have had a fraud alert for years now and yet the below accounts were still able to appear on my credit report and inquiries. This following information listed on my credit report is the result of identity theft. I have not applied for or used any of the listed accounts. 

Accounts XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( FINANCE ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( FINANCE ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALSO, I HAVE RECEIVED NOTICE THAT THERE ARE MORE THAN ONE SOCIAL SECURITY NUMBER ASSOCIATED WITH XXXX XXXX DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS I NEED THE ITEMS LISTED PERMANENTLY REMOVED AND BLOCKED FROM COMING BACK AND I NEED ANY ADDITIONAL SOCIALS REMOVED AND BLOCKED. I HAVE SUBMITTED DISPUTES IN THE PAST INCLUDING MY POLICE REPORT AND IDENTITY THEFT REPORT WHICH YOU SHOULD HAVE ON FILE. PURSUANT TO SECTION 605B OF THE FAIR CREDIT REPORTING ACT WHICH REQUIRES YOU TO BLOCK THE FRAUDULENT INFORMATION ON MY CREDIT REPORT RESULTING FROM IDENTITY THEFT WITHIN FOUR DAYS AND TO PROMPTLY NOTIFY THE FURNISHER ( S ) OF THAT INFORMATION. XXXXIT HAS BEEN MORE THAN A YEAR AND THIS INFORMATION STILL REMAINS.

Company response to consumer: Closed with explanation