BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Mail from Capital One incorrectly addressed to XXXX XXXX XXXX containing important account information. Mailings have occurred on a weekly basis between XXXX XXXX XXXX Each envelope was returned with " Return to Sender '' and " Wrong Address '' written on them. Upon calling customer service, Capital One refused to investigate or address the potentially fraudulent information in their system. 

Latest mailing : XX/XX/ Fraudulent Company Name : XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX PA XXXX Capital One Fraud Operations Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$530.00}.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 non-monetary relief
Consumer complaint received 2022-08-28
Company: WELLS FARGO & COMPANY
State: WY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, the scammers pretending to be XXXX XXXX, emailed XXXX XXXX requesting a wire transfer to finalize a sale of a lot. The impersonator sent a string of emails requesting a total amount of {$370000.00} while using personal information regarding XXXX and his family and his lack of communication and resources while out of the country. The impersonator also provided banking information regarding which account to process the wire. Due to banking rules and regulations, there was a wire for {$20000.00} on XX/XX/2022, and another {$20000.00} on XX/XX/2022. XXXX then realized the money was gone and sent out an email to XXXX requesting information. The impersonator intercepted the email before sending it out to XXXX XXXXThe impersonator then pretended to email XXXX as XXXX. XXXX then reached out to XXXX via XXXX to confirm the information in the email, and then it was discovered that it was not XXXX requesting the funds. 

These scammers managed to get my accountant ( XXXX ) to wire a total of {$40000.00} USD out of my XXXX account. This is affecting all business operations including XXXXt of XXXX  and day to day business. Wells Fargo has provided little untimely feed back on my Claim filed immediately after I discovered the fraudulent wires. I feel like Wells Fargo is of no help after following their guidance and checking on the Claim every other day. 

It makes me sick to my stomach that someone can so easily scam my XXXX account and Rip me off for {$40000.00} in the United States of America. Furthermore these scammers are banking Domestically at XXXX XXXX XXXXXXXX where the fraudulent wires where sent. It amazes me that USA banks would permit this Fraud.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX XXXX XXXX settlement XX/XX/XXXX. I had 3 loans which met this criteria each one was established during XXXX by XXXX XXXX XXXX According to the attorneys general, the interest that accrued because of XXXX forbearance steering practices was added to the borrowers loan balances, pushing borrowers further in debt. The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through XXXX predecessor, XXXX XXXX, between XXXX and XXXX, and then had more than seven consecutive months of delinquent payments prior to XX/XX/XXXX. Per them report to Transunion my last payment was in XX/XX/XXXX on a accounts established in XXXX. and each of had no payments in XXXX they all became delinquent with XX/XX/XXXX day and charge Offs in in addition they were deferred in XXXX XXXX XXXX and XX/XX/XXXX. 
Generally, only loans that were within a statute of limitations period or still credit-reporting as of XX/XX/XXXX are within the scope of the debt relief. 
With XXXX XXXX still reporting credit reporting these 3 accounts past XX/XX/XXXX, and not following the Judgement. I am requesting the loans to be removed from my credit file from Transunion and XXXX and all remedies applied per the settlement.

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 2023-07-05
Company: EQUIFAX, INC.
State: MS
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 the author of this complaint and after checking my credit report I noticed some fraudulent, inaccurate, and incomplete reporting on my credit report. The inaccurate reports are damaging my livelihood and reputation and affecting my ability to be approved for a higher credit limit increase and an apartment. I am disputing the accuracy and completeness of these accounts mentioned below and I would like the results of the investigation sent to me in the mail along with any method used to verify Remove Collection Accounts : 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 2023-09-07
Company: Experian Information Solutions Inc.
State: WA
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:
After reviewing my credit report, i have noticed that there are many discrepancies on my credit report. 

The FCRA states that i must be provided verification of the debt any company reporting information on name. 

A statement is not sufficient to prove a debt belongs to an individual. In todays time, when there can be personal information leaked on the internet m, it is very possible for a person to be victim to cyber crimes. 

I have been contacting the credit reporting agencies as well ss the creditors who are reporting information on my name. In trying to explain that therr have been multiple accounts reporting on my credit that i have no knowledge of, it seems as though any documentation requested from me that i send, is never sufficient. 

I need the CFPBs help in contacting the listed creditors below and notify them that if they do not provide me with the contract that i supposedly had with the origingal creditor with my signature, then they must delete this account from my credit report. 

XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$8800.00} XXXX XX/XX/XXXX {$670.00} XXXX  XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$380.00} XXXX XXXX XXXX XX/XX/XXXX {$4100.00} XXXX XXXX XX/XX/XXXX {$110.00} XXXX XXXX XX/XX/XXXX {$280.00} XXXX XXXX XXXX XX/XX/XXXX {$1500.00} ( Original Creditor : XXXX ) XX/XX/XXXX {$230.00} XXXX XXXX XXXX XX/XX/XXXX {$380.00}

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 2023-03-05
Company: EQUIFAX, INC.
State: MI
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX. XXXXXXXX XXXX XXXXXXXX Account # XXXX. XXXX XXXX XXXXXXXX Account # XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX  bankruptcy discharged Date filed XX/XX/2018 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-08-26
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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Alliance One, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing this notice stating thank you for confirming that ALLIANCEONE RECEIVABLES MANAGEMENT INC./ XXXX XXXX XXXXXXXX is a debt collector. Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including ALLIANCEONE RECEIVABLES MANAGEMENT INC./ XXXX XXXX XXXXXXXX XXXX Since ALLIANCEONE RECEIVABLES MANAGEMENT INC./ XXXX XXXX XXXX  decided to infringe on my personal privacy to communicate with me without my prior consent pursuant to 15 USC 1692c ( a ). Pursuant to 15 USC 1692k any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of {$1000.00} per violation. ALLIANCEONE RECEIVABLES MANAGEMENT INC./ XXXX XXXX XXXX as confirmed is a debt collector who failed to comply with and violate the Fair Debt Collections Practice Act ( 15 USC 1692 ), 18 USC 1028, 18 USC 1028A , 15 USC 1692a, and violated 15 USC 1692c ( a ), is liable to me in the amount equal to XXXX XXXX Dollars and XXXX Cents ( {$5000.00} ) by Law !

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Company blocked ability to remit payments online citing returned payments however the company was furnished with bank memorandum and police report advising wallet lost/stolen and accounts closed as a precaution Payments previously established were resubmitted they have cost me hundreds with additionally fees for no reasons multiple reps stated they were resetting never happened then they said 6 months I said I sent you proof before this happen yeah I know shtty policy exact words from their reps Additionally extension processed for XX/XX/XXXX XXXX XXXX and XX/XX/XXXXXXXX during death of immediate family if i didnt think they were bad enough any company that XXXX  someone over during the most difficult time in their life is beyond concerning and I will exhaust every legal remedy to correct I also made a payment and changed the due date during the time in question to go towards interest in XX/XX/XXXXXXXX so not possible for it to be 30 days late also in XXXX they said it was extended because due date was processed and it wasnt even the date I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: VA
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$21000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00}, XXXX OF XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00}, XXXX XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}

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 2021-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 reported this some time ago and even recently. TU seems to be making more errors than even XXXX does! That's saying something because XXXX is an error gaff machine that never fails to keep making errors. TU used to be better than all of these bureaus at correcting mistakes. Not anymore they're now the worst! Problems I've asked them to correct yet still remain in error as below that need to be fixed once and for all! Why is this complicated? I don't get it! Shame on them for not correcting their own errors! Frequent problem with this particular bureau! 

1. I do not work at XXXX and haven't for going on 4 yrs. It needs to be removed! They claim they removed it yet when I ran my report on XX/XX/XXXXit still appears! 

2. XXXX XXXX XXXX # XXXX - states I've disputed this account which I did not. It's in good standing, remove the false comments! I never disputed this account. 

3. XXXXXXXX XXXX XXXX # XXXX- Same as # 2 XXXX. XXXX XXXX XXXX # XXXX- Same as # 2

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 2023-07-05
Company: EQUIFAX, INC.
State: TX
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 disputed XXXX XXXX account with Equifax to the cfpb before see complaint number XXXX. Equifax is still reporting inaccurate and now incomplete information on my credit report. The balance of XXXX reporting is inaccurate. This account is also not reporting a closed date which makes the reporting incomplete. The first time I disputed this account was XXXX and I have not seen any corrections or deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: OH
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/XXXX I went to XXXX XXXX XXXX XXXX and deposited XXXX into my checking account. That same day I raised my spending limit to call and pay bills from the money in the checking account. I called XXXX XXXX on XX/XX/XXXX which XXXX XXXX decided to not process the day I told them to and attempted to Charge on XX/XX/XXXX days later then what I requested. the money was still available but at the time I didn't have a limit increase so that the large payment couldn't process. The branch manager wrote a letter and also attached the policy for spending limits. I tried reaching out to XXXX XXXX several times they won't help me with this matter. They did admit not charging my card and waiting XXXX days and also that were not willing to work with me on settling this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The open dates for are not accurate and the account numbers are invalid. XXXX  never represents or corresponds to appropriate account informations. It's been more than 6 months and you have never given me any response to my request to validate the debt and its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I reported back in XXXX that several fraudulent cards were opened under my name. I explained to Capital One that these were opened without my authorization and using my stolen SSN. They said that I shouldnt worry and that all of those were closed. 

Flash forward, I get a small claims complaint against me for an amount owed on XXXX of the cards, I called Capital One and they said they couldnt do anything and that I have to wait XXXX  days for the new fraud claim. I asked them to get in touch with the legal firm representing them to cancel the court filing, they said they couldnt, I asked them what could I do, and they said thats not on them an to wait. 

I also have a lawsuit ( criminal ) because those who opened the cards, not only obtained goods, but used stolen bank accounts to pay and keep using them. I explained the situation and that I need a letter from them saying that they have been closed and that there was a fraud claim. They said to keep calling and to wait XXXX  days, not even saying that my lawyer will contact them, they said they would do something. 

Im requesting them, not only to close the accounts, but also send letters for my lawyer to use for my defense. And get this solved urgently.

Company response to consumer: Closed with explanation