BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was attempting to move money out of my capital one account to my account with XXXX XXXX XXXX ( XXXX ). I was trying to move {$1.00} m in order to secure a better interest rate and benefit from a preferred savings rate. On XX/XX/XXXX when I initiated the transfer the website informed me that I could only move an amount less than $ XXXX. I then initiated a transfer in the amount of $ XXXX. I was informed that this transfer had been accepted. Shortly afterwards I initiated a further transfer in the amount of $ XXXX. Subsequently I received an email from Capital One saying that my transfer did not go through. When I contacted customer care they informed me that my transfer limit in any 30 day period was $ XXXX. There is no information to this effect when I made the initial deposit into Capital One. I subsequently made a new transfer of $ XXXX which did not go through and I received an email from Capital One stating that my account had been frozen due to 'unusual activity '. My husband and I then contacted Customer Care and spoke with XXXX Employee number XXXX, who informed me that she would need to create a three way call with XXXX in order to verify the ownership of my account. We offered to have our account manager call XXXX but she stated it was company policy that she make the call and XXXX join. We gave XXXX the number, made the call but it seems to be also the policy in XXXX that any call must be initiated from their side. When this option failed, we asked XXXX how we could verify our account and unfreeze the funds. We offered to scan and email a copy of our XXXX bank statement but she said they could not accept this, they only dealt on the phone. We then offered to bring a physical copy into a bank branch. She said this would work. Unfortunately, I have discovered that Capital One have no branches on the XXXX XXXX and I would need to take a plane to the XXXX XXXX in order to satisfy this request. I am extremely worried as there appears to be no way for me to verify my account, my funds are frozen in a bank with minimum FDIC cover and I am losing substantial amounts of potential interest on a daily basis. I am also worried as the later transfer request for XXXX was accepted even though the earlier request for a transfer of XXXX was 'flagged ' as unusual. It seems to me that Capital One 's response has less to do with the protection of my account and more to do with maintaining their balances. 
In summary - Capital One have provided no solution to my problem and my accounts are frozen because they have neither the interest or the method to allow me to unfreeze my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I entered a payment plan in or around XX/XX/2020 at which time Wells Fargo advised me that entering the plan would be like bringing the loan current and they would stop reporting the loan as late on my credit report. While in the repayment plan covid happened and I then entered a forebearance. It's now time to exit the forebearance and Wells Fargo is taking away the best option for me which would be to have the missed payments placed on the back of the loan because they're saying I wasn't current at the time I entered the forebearance. I've tried explaining 2 things to Wells Fargo : 1. I was told the loan would be treated as current when I entered the forebearance and now to benefit them that doesn't apply anymore 2. It was never explained to me when I entered the forebearance that it would be more beneficial to me to complete the repayment plan before entering the forebearance. The servicer is acting in bad faith and using a questionable practice because they seem to have omitted information that would have allowed me to be in a better position to keep the home out of foreclosure.
Not a single person took 5 seconds to make me aware that if possible I should complete the 2 other payments that were left on my payment plan before entering the forebearance.

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 2021-08-09
Company: EQUIFAX, INC.
State: GA
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:
I have reached out to Equifax to update my credit report showing all on time payments on my XXXX XXXX auto loan. On XX/XX/XXXX my report updated with late payment information which is 100 % inaccurate. My equifax report shows that I was 60 90 120 days late on my auto loan which is inaccurate. My report shows in XX/XX/XXXX I was on time then XXXX I was 60 days XXXX XXXX 90 days XXXX 120 days which is all inaccurate. I did not have any missed or late payments. Along with you are not possible to go from on time then to 60 days late within one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I recently was disputing a collection on my Equifax credit report. When my credit report was updated to say an investigation was in progress, the date of the account was changed and my credit score immediately dropped 46 POINTS!! Why am I being penalized for trying to lawfully dispute something in my credit report? > In addition, the statute of limitations for reporting this collection on my credit report will expire in the next few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Theres a credit card showing up on me while I was in a identity theft case and I reported it and its showing up on my credit report as mine still shows up but its not mine

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Citi bank sent me a letter stating : We've reviewed your Costco Anywhere Visa account since it's expiring soon. We're unable to send you a new card due to a bankruptcy or a charge-off on another credit card account issued by Citi I checked my CR with XXXX. There is no other account from Citi Bank and there is no Bankruptcy. 

Citibank refuses to disclose the exact reason and have denied my request to review, again without stating the reason as to why they can not renew my Costco Anywhere Visa.

In addition, with their decision they will take away my Costco reward of {$230.00}. 

How can CitiBank refuse renewal without disclosing to me as to what the reason is?

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 2023-05-27
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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/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 2023-08-03
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: MD
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: LA
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:
For the following credit report agency : XXXX, Equifax, and XXXX ; I did not give permission to have the following accounts ( XXXXXXXX XXXX XXXX XXXX ) furnished on my credit report. { Reference : 15 usc 1681a2 } The following accounts ( XXXXXXXX XXXX XXXX XXXXXXXX ) are under litigation and i have submitted a FTC for the fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have sent several dispute letters to validate the reporting that I owe {$790.00} by XXXX  XXXX. All of Transunion 's disputes comes back verified without any proof of verification. I have requested them to provide me with the method of verification of the alleged debt and there response is Verified. This is unclear how they are verifying that I owe what XXXX XXXX is alleging I owe.

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 2022-09-29
Company: Experian Information Solutions Inc.
State: MD
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, XXXXXXXX XXXX XXXX # XXXX - XXXX XXXX XXXX, XXXX, DE 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. States a consumer reporting agency can not furnish an account without my written instructions.

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 2021-08-09
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please refer to the original complaint ID, XXXX-XXXX, that was arbitrarily closed without any concern to me as a consumer. Help me understand, what is the CFPB 's role? What exactly does " consumer '' " financial '' and " protection '' mean in your title? No one from CFPB has reached out to me to gain a better understanding of my complaint prior to closing my case. I am really confused as to your agency 's role. I am looking to escalate this further within the CFPB.

I was not properly informed by Quicken Loans regarding my refinance options under Texas law. The Unfair, Deceptive, and Abusive Acts or Practices ( UDAAP ) come to mind here. My refinance was : Unfair - My financial injury was not reasonably avoidable as I could have made a better choice, but their practice of not providing adequate information about Texas refinancing options hindered my ability to make an informed decision. 

Deceptive - The representation and omission were deceptive because Quicken Loans did not disclose my options under Texas law regarding my refinance options. Their employees are unfamiliar with Texas mortgage laws, and Quicken Loans does not even offer one of those options afforded to Texas homeowners. 

Abusive - Quicken Loans ' practices interfered with my ability as a consumer to understand the financial product that was solicited to me for failure to disclose all mortgage refinance options allowed under Texas law, one of which they do not offer at all. 

I was taken advantage of due to a lack of understanding of the material risks, costs, and conditions of the product offered. My ability to adequately protect my interests in selecting a better product not offered by Quicken Loans. My reasonable reliance on Quicken Loans to fully informed me as a consumer and Texas homeowner of all options availed under Texas law failed. 

Please reconsider opening my case and working with me, the taxpaying consumer who has been treated and dealt with in an unfair, deceptive, and abusive manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
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: Information belongs to someone else

Complaint:
i have sent reports and disputed. they didnt do anything

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 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had two accounts fraudulently opened with BoA in my name. When I contacted them to inform them I did not open the accounts and had nothing to do with any transactions, they had me send them a bunch of documents to confirm the fraud. I sent the documentation on XX/XX/23 and have received no updates since then. I want these accounts closed.

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: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023, I submitted a formal letter addressing multiple inaccuracies and unfamiliar entries on my credit report. Despite the stipulated time frame of over 50 days passing, I have yet to receive any response or acknowledgment of my dispute.

As per Section 611 ( a ) of the regulation, failure to investigate these discrepancies within 30 days warrants the immediate removal of said items from my credit report. The prolonged delay in rectifying these errors is unacceptable, and I insist that these accounts be promptly deleted in accordance with the law.

Furthermore, it's important to note that my personal information may have been affected by the Equifax data breach, raising concerns about its security. This situation compounds the urgency of resolving these issues swiftly and accurately.

I urge your immediate attention to this matter and request the swift deletion of the erroneous entries from my credit report. Failure to address this concern promptly may compel me to pursue legal action due to the distress and inconvenience caused by this prolonged negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
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 FEEL LIKE THE CREDIT BUREAUS ARE TAKING ME FOR A JOKE I HAVE TRIED SEVERAL TIME STO REMOVE THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORTS I HAVE FILED AN IDENTITY THEFT AND THEY KEEP SENDING ME A GENERIC LETTER SAYING THE ACCOUNTS HAVE BEEN VERIFIED. I WANT TO KNOW HOW THEY VERIFIED IT IF THEY WERE NOT PHYSICALLY THERE TO WITNESS THE FRAUDULENT TRANSACTION. ACCORDING TO THE FCRA THE FRAUDULENT ACCOUNTS ARE TO BE BLOCKED WITHIN 5 DAYS MY RIGHTS AS A FEDERALLY PROTECTED CDONSUMER ARE BEING VIOLATED. I NEED THE 2 XXXX  XXXX ACCOUNTS REPORTING ON MY CREDIT REPORT TO BE REMOVED IMMEDIATELY ENOUGH ISN ENOUGH THIS IS RIDICULOUIS THEY ARE RUINING MY LIFE!! I BARELY SLEEP BECAUSE OF THIS BECAUSE MY CREDIT REPORT IS MY REPUTATION AND YOU ARE RUINING IT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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 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