BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was pre qualified to an XXXX XXXX from capital one {$0.00} annual fee 0 % apr on purchases and balance transfer for the first 15 months : after that a variable APR. After applying i was told that i could not apply for balance transfer for a 11 days this was XXXX XXXX. 
I did not try to get the balance transfer till XX/XX/XXXX, i was told that i had no balance transfer available. I than called the number on the letter i received. They connected me with a representative at CapitalOne. Who proceeded to tell me that i did have a balance transfer available. I was unable to do it at the time, because i did not have correct amount to tell them to transfer I spoke with them on XX/XX/XXXX. I said i would call back and asked that this was still in affect. She said yes. 
I called nine days later XXXXXXXX XXXX, and was told that I did not have the balance transfer. When asked how come XXXX days prior i had the balance transfer. I was told that it was their discretion to change their offer and that their policy on discretion superseded the law. Also that they can rescind their offers at anytime. They would not provide me with a letter of denial refused to speak with me because they thought i was recording the conversation, even though they were recording. I was told there was no supervisor for me to speak with. I feel that i was mislead given false information and discriminated My rights have been violated, This was misleading information. Representative ended the call because she did not hear me respond three times to her regarding my intent to record the call. I was told with the representative that i spoke with on XX/XX/XXXX that i had 15 months to do balance transfer from XX/XX/XXXX. I tried to resolve this problem. CapitalOne would not cooperate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed in XXXX of XXXX with BBVA due to nsf fees. I recently got an online loan from a company I have previously used with this account as well. I thought I had changed my acct and routing number from bbva to XXXX. They took my loan and covered the nsf fees even though my account was closed. They took the loan on XX/XX/XXXX. I am now expected to cover the amount of this loan and the finance charge due to this bank forcing me to pay a debt. They wont even let me pick my money up from the branch nearest me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Credit cards have been paid, but my score and payment is still not showing

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 2023-01-25
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent a police report in and the address thats link to the account is fraudulent I have never lived in the state of Maryland so if the address is fraudulent the account is to the company is 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 2023-04-03
Company: FORD MOTOR CREDIT CO.
State: ME
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a lease with Ford motor credit.

I paid my lease payments up to date and during Covid I was struggling and contacted them to lower my payments. During this conversation they introduced a voluntary early termination to me. They introduced to me as a way to return the truck and have it clear up my remaining lease balance. 

They did not inform me it would destroy my credit and then they also charged me XXXX after the fact with an apology after I was told the auction would cover the balance since I was current. 

They screwed up big time! Took my truck, auctioned it. And then stuck me with a bill. Destroying my credit, and then sued me. 

Today at the hearing they asked for with the judge they did not show up for it. 

Im so sick of these jokers and XXXX from these people. 

I want this off my credit and an apology I dont owe them a thing. 


Attached I copied one of the interrogatory responses and the copy of the hearing they did not show up for. I took the entire day off of work to be here. 

This is XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries that are on my report that I did not authorize 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 2023-04-29
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2023. I went to my bank to deposit money only to find out that my account had been hacked. A fraudulent company submitted 40 transactions within less than an hour totaling XXXX. I immediately called Wells Fargo to be informed that they would start a fraud claim. They also stated that they would open a new checking account. On XX/XX/2023 not even 12 hours later, the same fraudulent company hacked the new checking account for yet another 15 transactions totaling XXXX. I again called Wells Fargo and they stated that they couldn't tell me why this happened. I asked them to tell me how a new account less than 24 hours old could be hacked. no answer, they said a new claim would be opened. they also advised another new account should be opened. Again, they are not accepting any responsibility to allow this to happen. NOT ONE ( 1 ) time did Wells Fargo call or notify us to any of these charges finding it suspicious. I want them held accountable for allowing this to happen. I feel that they have an internal problem and have someone hacking accounts from within their company.

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: RentDebt Automated Collections, LLC
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
my brother XXXX XXXX is XXXX so there no way possible that he could have signed any lease or anything someone used his name and so this needs to be off of his credit report before me and my siblings take legal action against rent debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
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: Account status incorrect

Complaint:
Equifax is continuing to report a XXXX collection account in the amount of {$850.00} against my credit even though XXXX notified Equifax on XX/XX/2019 to remove the account since they are no longer handling the matter as they state in the attached XX/XX/2019 CFPB response. 

On XX/XX/2019, I contacted Equifax customer service because the XXXX account was not removed. However, since Equifax has chosen to outsource their customer service to XXXX and not properly train their employees, the Equifax representatives do not have a grasp of the English language and can not comprehend anything other than the script the have before them. 

As such, I followed up the phone conversation by faxing Equifax a notice to remove the XXXX collection account with the supporting CFPB XXXX response. ( A copy of the facsimile notice is attached ). 

As of XX/XX/2019 Equifax continues to report the XXXX account. ( A copy of my Equifax credit report dated XX/XX/2019 is attached showing XXXX account ) As Equifax has been notified by both XXXX and myself to remove the XXXX account, Equifax is now knowingly and intentionally reporting false information against my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: I.C. System, Inc.
State: MD
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, XXXX XXXX, hired XXXX XXXX  by contract to install floors in my home. They installed the wrong color grout on my floors and incorrectly installed molding ( other issues aside ). I ask XXXX XXXX to fix this as per the contract, and made 7 appointments for XXXXXXXX XXXX  to fix the problem. XXXX XXXX  failed to make these appointments without notice before the appointment. I called XXXX XXXX  the day before the last 3 appointments and confirmed the appointment with them, but they failed to show or notify me. For the last appointment, which I confirmed with them and I stated that I would dispute the charge of {$8400.00} if they did not show up. I had to take paid time of ( PTO ) for each of these appointments and had no PTO left to take off for additional appointments. 
I disputed the charge with my credit card company, XXXX  XXXX XXXX, and after several communications and document exchanges they refunded me the charge. XXXX XXXX  did not attempt to contact me or fix my floors per the contract until the charge of {$8400.00} was refunded. XXXX XXXX  offered partial compensation for the floors, but the amounts they offered would not cover the cost. XXXX XXXX then sent the information to IC Systems who then registered it with the credit reporting agencies as an unpaid overdue debt. 

This is not a debt! It is a failure of a contractor to fulfill a contract. I disputed this debt with XXXX and they would not reverse it as they confirmed it as debt. 

As you can see by all the documentation that I provided, this should never have been reported to the credit agencies as a debt. XXXX was also sent all this information.

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 2017-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have been deprived of my income as Bank of America continues disappearing my direct deposit payments. In addition to their incapacity to secure people 's money 's, they are massively in mature as they trivialize their failures sending me an email saying : We got your back Fraud protection is back '' They are all very damaged organization full of arrogance and the belief that they are above the law. 
This is the fourth time I file a complaint against Bank of America and nothing happens to them. Had I done one inch of what they have done, I would have lost my license. How come they have more rights than the rest of the Americans? I I was supposed to receive moneys from XXXX {$290.00} on XX/XX/2017 and there is nothing in my account. 
Whe is the Federal government act as as a protector of the citizens who work for a living rather than the arrogant corporations destroying the citizens?

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 2017-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Other fee

Complaint:
Bank of America XXXX credit card. 
An annual fee was assessed even though i closed the account and havent used the card in many years. i called to have them reverse the fee as i closed the account in XX/XX/XXXX and had paid XXXX dollars of the XXXX dollar fee. i told them to keep the XXXX as it would more than cover two months of the year. they said since i used the card once ( who knows how long ago ) that a service fee is charged to the account no matter what and it is not refundable. I have not used the card in 4 or 5 years at least and feel that their previous fees more than cover any cost that they have incured from any purchase i made umpteen years ago. i feel this is ridiculous and my fee should be refunded immediately.

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 2022-12-14
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
Account Name : XXXX XXXXDate Opened : XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XXXX XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XX/XX/XXXXDate Opened : XX/XX/2019 Balance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XX/XX/XXXXDate Opened : XX/XX/XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX / XXXX XX/XX/XXXXDate Opened XXXX XX/XX/XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XX/XX/XXXXDate Opened : XX/XX/XXXX, XXXXBalance : Reason : Identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Collections Acquisition Company, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I searched XXXX for washer repair, had company come out to do repair, 2 days later same repair broke again..orginally wrote check out to XXXX as instructed by driver ... when trying to find company again i was unsuccessful..i continously searched for company so they could come back out to repair my machine again..no luck ... check my credit to see a collection from the company for check not clearing i informed them i have been looking high and low for orginal company ... original company never reached out to me via mail or phone in regards to debt. I never was given opportunity to correct or explain what issues i had debt was just placed on my credit without any form of communication..i have been trying to get employment and this same collection keeps coming up and its not fair that i wasnt told anything by orginal creditor ... contacted collection agency with resolution to just pay to delete because this is hendering me and they refused payment ... i dont think this is fair when i never was givrm an opportunity to correct issue at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX FAILED TO REMOVE ALL HARD INQUIRIES FROM XXXX AS PROMISED. THE INQUIRY WAS INVALID BECAUSE OF FRAUD ALERT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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 is missing that should be on the report

Complaint:
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
Account Name : XXXX XXXXDate Opened : XXXX, XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XXXX XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXX XXXX  XXXXDate Opened : XXXX XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX XXXXDate Opened : XX/XX/2019 Balance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, 2XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX / XXXX XXXXDate Opened XXXX XX/XX/XXXX, XX/XX/XXXXBalance : Reason : Identity theft Account Name : XXXX XXXX XXXXDate Opened : XX/XX/XXXX, XXXXBalance : Reason : Identity theft

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 2017-04-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Yesterday I received in the U.S. mail my annual " FREE '' credit report from " Equifax. '' On " Page XXXX of XXXX '' under the " Request For Your Credit History '' section it unlawfully list a : " XXXX XXXX ; XXXX XXXX XXXX ; XXXX, RI ; XXXX ( with NO telephone listed ) '' with the " Inquiry Dates '' of " XXXX/XXXX/XXXX '' and " XXXX/XXXX/XXXX. '' I have NO idea of this " XXXX XXXX '' and why they even unlawfully accessed my " Equifax '' credit report TWICE without my knowledge or approval since I have NOT applied for credit cards, etc. for the last 36 months!!! I am a victim of " Identity Theft. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent.

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 2022-04-29
Company: SYNCHRONY FINANCIAL
State: OR
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:
They have been very aggressive in nature, calling third parties disclosing they are debt collectors and harassing them for information. They recent event that prompted this claim was improper service and illegal disclosure, they went to the property of my employer gentlemen asked for me by name my boss said he doesnt live here he asked who she was and she advised her name and that she was my employer he ripped the cover of a package of papers, and advised her that he was Serving me, this package of papers looks like a lawsuit with no court stamps or proceeding dates, looks official and scary but no information, but according to ORS CODE 419B-824, As per service requirements and to an employer or place or employment must be in sealed envelope to not disclose personal information, this was not They also passed on private property that is not mine passing three no trespassing signs, which carrys a fine I. Oregon of XXXX dollars also Due to there harnessing, improper and illegal actions I am asking that the CFPB, help stop them fine them appropriately

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