BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Original creditor is Capital One Bank. Opened on XXXX XXXXXXXX XXXX In collections with XXXX XXXX XXXX. The amount is {$600.00}. I have been the victim of identity thief. I have received alerts of my information being on the dark web. Fraudulent accounts have continued to be opened in my name using my information. I attempted to gain more information about this fraudulent account through XXXX. No additional information could be provided. I disputed this collection with XXXX. I have locked my credit to prevent more fraudulent accounts from being opened using my personal information. I never opened this account, nor did I authorize its use. I currently have a Capital One Auto account that I am in good standings with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Westlake Services, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XX/XX/2014 the was by westlake financial everything was fine till the truck started having problems I took it back to the dealership and they said they could help me fine out to be the truck was a lemon the truck I took it back and a tow truck put it back in front of my house I try everything the financial company didnt help me and they was the one that told me to used that car dealership in the first place I just let the loan company take the truck back and they sold it for way less than what it was worth in the car action now seams XXXX I still have that in my credit 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 2023-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting inaccurate information on my consumer report. This is the second attempt for this company to validate, verify this debt. Capital One has never validated this debt. Capital has not presented any documentation of a contract bearing my signature. Please Delete this unverified account on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit 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 non-monetary relief
Consumer complaint received 2023-07-03
Company: Transform Credit 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:
Since XXXX my credit score has been decreasing a lot I was in XXXX - XXXX range and I couldnt figure out why considering I only have 1 missed payment and I closed that account, after awhile I looked at my XXXX credit report and seen a personal loan took out in my name XX/XX/ for XXXX. This company is called Transform Credit Inc, when looking it up you can see many others have left bad reviews on this for scam/fraud/identity theft. My credit score is now below XXXX. Please help boost my credit score where its supposed to be and remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 complaint serves as a follow-up complaint to my previous complaint dated XXXX XXXX XXXX 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 must be removed to clear my file of erroneous items Ive already included this in my previous Complaint & I am including it again. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XX/XX/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 2023-12-08
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/2023 and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX, XXXX XX/XX/2023 XXXX XXXX , XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: In progress
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2021-08-26
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hi, my paypal account is XXXX. Paypal claims that I had violated their policies, and froze my account for 180 days, with my balance in it. I had never violated any policies, and after multiple attempts to reach paypal, they could never explain what happened or why it happened. Even the customer service representatives seems puzzled and bewildered. And recently, after the 180 days have been up, I wanted to withdraw my balance in the account, which is about 3800 USD. To be exact, it is XXXX SGD. To my horror, Paypal had charged me XXXX from my account without authorization and claimed it is compensation as damages. 

I am still bewildered as to what violations I had committed that could possibly arise in over 3800 USD in damages. Till this date there is zero explanation from paypal, and it feels like it that I just got robbed by Paypal without any reason at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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 is missing that should be on the report

Complaint:
I am submitting this CFPB complaint to request that you remove the fraudulent accounts I found on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following accounts from my Credit File at the earliest possible time : XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00}. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove the disputed accounts since these accounts resulted due to identity theft. I request of you to please comply with the law and have the disputed items removed soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Affirm Holdings, Inc
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Affirm loan # XXXX, this was a XXXX purchase on XX/XX/XXXX for {$5000.00} that was cancelled by XXXX 's host the same day and full credit was issued. Affirm acknowledges they have received all but {$99.00} of this refund, with the {$99.00} being an insurance charge from XXXX, a business partner of XXXX, they say the refund has not been sent to them yet. 1st ... even though Affirm received the cancellation on XX/XX/XXXX, they still created the loan documents on XX/XX/XXXX. And, they REFUSE to issue the refund of the amount they do have, because they say their " policy '' is to wait until the {$99.00} is received, which I know from previous experience with them, this is not true. Since XX/XX/XXXX, I have spent hours trying to resolve this matter speaking and texting with XXXX, XXXX and Affirm and have attached some of the screenshots. Even though they all do business with each other, they refuse to contact each other regarding this {$99.00} that Affirm says they do not have, and both XXXX and XXXX show in their system as having been refunded. Affirm will not do anything other than tell me to " contact the merchant ''. Every time I ask them for help, it's " contact the merchant ''. I have repeatedly asked them to refund the {$4900.00} that they do have and they refuse. I have another XXXX loan that I'm paying on and I can not afford to pay for 2 loans, especially for a property that has been cancelled and refunded for the same time period for the current property I am staying in. I have been unemployed for 7 months due to this country 's poor monetary policies ... .2 years ago I made over $ XXXX, I just took a new job making {$40000.00}, where I can barely afford rent and I came here and am living in the XXXX for the valid loan that I am paying on. They don't care!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Chase account closed as I was a victim of check fraud from someone posing as a XXXX XXXX someone who identifies as a wealthy older woman who takes care of younger men financially. Checks were sent to me via email in which I was told to digitally deposit them where I found out they were fake the unfortunate way by my accounts closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I was contacted by a Social Security agent that was going to help me recover my stolen social # ( XXXX XXXX ). The man, XXXX XXXX sent me his badge & had my local police contact me that there was an investigation. I received this information on my phone while I was driving to a wedding. To freeze my accounts during this trial, I had to transfer some money to a federal account. I went to XXXX XXXXXXXX XXXX XXXX XXXXXXXX RI to do a domestic wire transfer of XXXX. The money was sent to an account in California. Bank of America The money transfer seemed to go out around XXXX on XX/XX/XXXX. The next morning I called the XXXX Police to confirm our conversation from XX/XX/XXXX. They said, I did not talk to them. Then, I knew I had been scammed. I called XXXX  XXXX XXXX XXXXXXXX and XXXX filled out a claim form to let Bank of America know the funds received was a fraud transfer. I talked to the Fraud department at XXXXXXXX XXXX XXXX Bank of America. On XX/XX/XXXX. I called the Wire transfer departments for both banks for the next 2 weeks. XXXX XXXX would not give me the claim #, would not tell me what happened to my money. All I was told was it was being investigated. They would not give me or allow me to talk to the XXXXnvestigator. Later I contacted the manager of my local XXXX XXXX & all he could tell me was XXXX recalled the money & told Bank of America to send it back. Bank of America for 2 weeks would not disclose any information to me because I didnt have an account there. The account in question XXXX XXXX XXXX was not my account. Yet, I have 2 credit cards with Bank of America and had a car loan with them that I paid back. So I went to my local Bank of America branch and talked to the VP. XX/XX/XXXX He arranged a call to the wire transfer depart oXXXX XXXX XXXX. We called & they would only disclose that they reached out to the account & no one called. The VP of the bank said to assume the money went into XXXX XXXX account. I have filed police reports, with XXXX XXXX XXXX police. After one month, XXXX XXXX XXXX through with their investigation. No information has been passed to me. XXXX XXXX the Asst. Manager XXXX XXXXXXXX XXXX XXXX  did give me the claim #. I should be able to know exactly where my money went & be told this info. I know there are date time and stamps put on wire transfers. Bank of America should have given specific info to the VP of the bank. Also, next steps should have been given to me by both fraud departments.

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 2021-10-06
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On or about XX/XX/2021 AMEX Serve was sent {$1400.00} from the 3rd round of stimulus payments on my behalf from the IRS, however no correspondence was ever sent to me directly, thus allowing me to activate the card. It has taken a few months to track down the correct information and several attempts have been made to Serve but the customer service is very subpar compared to the normal customer service that other more prominent AMEX products gleefully enjoy daily. I have filed my trace with the IRS and hope to get resolution with 4 to 6 weeks it that. AMEX does have a fraud department but from my current research there isn't such department for Serve products. The call tree is useless in trying to reach a live person and when I finally did it was mostly foreign accented individuals that eventually disconnected the call or didn't have the correct information or unwilling to offer adequate assistance in resolving my issue. The account information given to me by the IRS was verified with someone at the Utah location and a second phone call was attempted to confirm that if the trace paperwork was received. No confirmation to date had been verified. AMEX must raise the standard for customer to reach a live dedicated team to handle these types of issues with fraud with Serve products especially with the raise in fraud cases and the ease of compromising the information and delivery of a card to taxpayers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2021-10-06
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 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 explanation
Consumer complaint received 2018-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX FAILED TO REMOVE 4 HARD INQUIRIES, CAPITAL ONE DATED XX/XX/2018, AND XXXX DATED XX/XX/2018 AND XXXX XXXX AND XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: Experian Information Solutions 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 status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions This account is showing inaccuracies on my credit 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 non-monetary relief
Consumer complaint received 2021-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Had a heloc with Bank of America for several years ( XX/XX/XXXX - XX/XX/XXXX ) then I got it modified. While making the principal and interest payments the first two years everything was fine. Then in XX/XX/XXXX I started making extra principal only payments of {$300.00} and my regular payment of {$300.00}. I saw that they misappropriated the {$300.00} so I called them. After calling them they made corrections. Also another person said not to make extra payments on bill pay. So he walked me thru paying it using transfers and labeled it principal only. Again in XXXX - XXXX again my money was misappropriated. I called in a lady made corrections up to XXXX. She couldn't make corrections for XXXX - XXXX, where they made all interest payments. They said that because I satisfied the principal payment the rest was used to pay interest of {$360.00}. I've called them many times nothing happened. I opened to case reviews again nothing. XXXX XXXX at a BOA branch talked to them for about 2 hours again nothing. Therefore she filed a complaint. Still I have not heard anything. I called them 2-3 times after the complaint was written still nothing. So I went to another bank got a loan and paid BOA off in 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 explanation
Consumer complaint received 2022-07-12
Company: TOWNE MORTGAGE COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home on XX/XX/20. When I purchased my home, it was clear that my property taxes were ~ {$11000.00}. Last year there was a significant shortage with my escrow account and there needed to be an adjustment made. I am a XXXX  mother on a fixed income and my mortgage payment went from {$2400.00} to {$2900.00} per month. That put me in a very precarious position. 

I was told by XXXX XXXX and the person who works for her, XXXX, that given the adjustment, there would not be an issue again with my escrow being short because of the changes that were made. I looked at my escrow amount yesterday and there is only {$1100.00} in escrow but nearly {$6000.00} is due next month. When I spoke to XXXX today she said that they hadn't made a mistake and that there would be another significant shortage. I asked to speak to her boss and she told me she was unavailable. I asked to speak to the CEO and her reply was that, " He doesn't speak to customers ''. 

I do not have the money to pay the {$5000.00} difference and I can't afford for my mortgage to go up monthly AGAIN! 

The mortgage company should be responsible for the mistake and pay the difference now and ensure that the amount that I am currently paying will cover escrow going forward unless my property taxes increase. 

I have contacted the media about this company 's horrible and deceptive business practices. 

I would like your assistance in holding XXXX XXXX in XXXX, XXXX accountable.

Company response to consumer: Closed with explanation