BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am extremely disappointed to receive the same response to my complaint regarding the restrictions placed on my accounts with your company. The lack of urgency and consideration for my situation is unacceptable. 

As I have previously stated, my account was restricted due to an old account number saved for payments that had not been updated, causing payments to be returned. I have attempted to provide documentation and proof of my current account, but Capital One required a statement within the last 60 days, which was not possible as my account had been closed, and I had opted for paperless billing. 

Despite my attempts to provide documentation and proof of my current account, including statements from my new bank and account, Capital One has insisted that the only way to unrestrict my account is to provide a statement from XXXX for XXXX XXXX for XX/XX/2022. As I have previously stated, this is not possible as I have switched banks from XXXX to XXXX, and I opted for paperless billing with XXXX. 

I want to reiterate the urgency of this matter, as my account has been subject to unauthorized fraudulent transactions that have reached their limit, and I am still making monthly payments for these transactions. Capital One has refused to address the fraudulent transactions until my account is unrestricted, yet they have not provided any assistance in unrestricting my account. Each time I have contacted Capital One, I have been referred to a special department that says they will review my account, but it has been almost six months, and there has been no resolution. 

I want to emphasize that I still do not have access to the XXXX statement for XX/XX/2022 XXXX XXXX, which is required to unrestrict my account. This situation is causing undue stress and affecting my mental health. Additionally, my credit score is being adversely affected, which is impacting my ability to obtain financial services and products. 

It is unacceptable that Capital One has not provided an alternative solution to address this issue. I demand that you take immediate action to resolve this matter and unrestrict my account. I also request that you provide compensation for any financial losses that I have incurred due to your company 's negligence and lack of assistance. 

I hope to receive a prompt response that addresses my concerns and provides a solution that takes into account the urgency of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2021-05-12
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
WELLS FARGO ACQUIRED BY MORTGAGE FROM XXXX XXXX ( XXXX XXXX / XXXX XXXX ) MORTGAGE START XXXX SELECT HISTORY : 1 ) AS THE WHOLE WORLD KNOWS WELLS FARGO FALSIFIED A SCAM ' OF MILLIONS OF ACCOUNTS THAT DID NOT EXIST. FINE NO IMPRISONMENT. 
2 ) ON OR ABOUT XXXX WELLS FARGO AFTER PRESSURE FROMMAYOR XXXX PUT ON A REAL ESTATE PROGRAM @ THE FORMER XXXX XXXX XXXX XXXX. A MR. XXXX TOLD ME I WAS APPROVED FOR A PRE-APPROVED LETTER. HE THEN DISAPPEARED. WELLS FARGO SHUTTLE MY EFFORTS TO GO FORWARD 3 ) WELLS FARGO IN XXXX IVITED ME TO A REAL ESTATE PROGRAM & TOP EXECUTIVES TOLD ME I WAS APPROVED FOR THE SAME & THAT THEY WOULD GET APPROVED TO APPROVE A CONDO SALE @ XXXX XXXX XXXX  THEY FAILED CLOSING DATES & I LOST MY EARNEST MONEY THEY LATER SAID THEY COULD NOT GET APPROVED OF THE CONDO UNDER XXXX XXXX. 
4 ) PRIOR TO SWITCHING TO XXXX WELLS FARGO SAID THEY COULD APPROVE & CLOSE WHERE I RESIDE NOW. THEY FAILED XXXX STEPPED IN & CLOSED. 
5 ) WELLS FARGO AFTER BUYING MY MORTGAGE NOTIFIED OF DEFICIENCIES & INCREASED BY MORTGAGE OVER {$60.00} A MONTH. 
AN EXPERT STATED THAT THERE ARE NO DEFICIENCIES. 
WITH WELLS COMBINED FRAUD - / LOSS OF EARNEST MONEY & NOW SCAM I BELIEVE THAT FEDERAL REGULATORS SHOULD STEP IN & REVERSE THIS SCAM!

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 2022-11-30
Company: EQUIFAX, INC.
State: IL
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
account always in the negative always paying charges and interest on things i never understood about this account stay in negative when i don't have the funds they still take them so i will own them more money this has been going since the year of 2010 i contact the bank to see if i was eligible. For the law suit.no one responded to me at all

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 2021-08-13
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 belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX  XXXX This complaint is for the timeshare company XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX  XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX  NA before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX NA to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX  NA 's business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), they parrot any information given to them as a means of coercing consumers like myself to pay extra fees for debts that they allegedly 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 non-monetary relief
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: OH
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 disputed this PUBLIC RECORD to be removed from my credit file. Under Rule 9037 Privacy Protection for filings made with the court XXXX XXXX Bankruptcy : Bankruptcy ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I contacted the XXXX XXXX XXXX XXXX and their response was they do not report to any credit bureau, therefore the credit bureau original response verifying the items were either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information should be deleted immediately. Furthermore, the bankruptcy is not accurate if the full SSN or birthday can not be verified as the court can not furnish that information to any credit bureau. 


I have attached a letter from the XXXX XXXX XXXX XXXX which states they have never verified or shared this information to the credit bureau, therefore the credit bureau have lied and stated it was verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019, I had a balance in my wells Fargo account of almost {$140.00}. I made a purchase of XXXX dollars and one of XXXX dollars. I have mobile banking, so I always make sure I my transactions online. When I had checked these transactions, although pending the funds had been withdrawn from my balance making it less and letting me know how much I had to spend or how much was available. Although the back tried to explain the process of pending to me which I understand, the funds are still withdrawn from the original balance. I had one of the companies try to refund a purchase and re-submit the correct amount. I went to the bank and explained the mistake and the fees I was charged,. The Banker XXXX told me he was going to refund the fees and didn't even though it was not my fault. The only fee I should have been charged for was for a Withdrawal for XXXX. I am disputing this because I feel is another way wells Fargo is deceiving consumers.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: TN
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 have sent numerous letters certified mail to the credit bureaus XXXX was the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 

I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof. I have always lived at XXXX XXXXXXXX XXXX XXXX XXXXXXXX, never at any other address on my credit report. I have attached a copy of my XXXX, XXXX for proof once again. I dont know why the credit bureau XXXX so consistent with causing harm to my person and financial obligations by reporting information and accounts that is in correct and do not belong to me even after there were sent the Federal Police Report of proof of my identity theft. They even have duplicate accounts on my credit report, why is this.

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 2021-07-22
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WAYPOINT RESOURCE GROUP at XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the about of {$77.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In 2020 Capital One didnt send me the credit card and I never received, activated or used it. Couple of months back they charged me XXXX $ annual fee. I have already left my job in US last year and have loved to XXXX. I do not have a bank account to pay the annual fee and their representative isnt aware of any other way I can make the payment. Now given that I can not make the payment, they said they will keep accruing the charges until I ever come back to US and pay the bill using a check. Can you please look in to this and ask the bank to waive my charges of XXXX $ given the card never reached me and I was not able to use it until I was present in XXXX . I do not have my credit card number because it never reached me. My SSN ends in XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am furious that I have not received an update about my investigation from this credit reporting agency. I have been wasting my hard money on stamps, letters, and ink to send out my letters. It's been more than 60 days and I have not received a response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I will not wait another 60 days to receive an update. These accounts must be removed ASAP. 

These are the accounts that I demand be deleted. 

15 U.S code 1681n Infamis of pulls XXXX  Date of inquiry : XX/XX/2020 15 U.S code 1681n Infamis of pulls XXXX XXXX Date of inquiry : XX/XX/2020 misleading false reporting unverifiable and inaccurate reporting. Date last activity is not 100 % accurate across each credit bureas which is a FCRA violation XXXX  XXXX Account Number : XXXX misleading false reporting unverifiable and inaccurate reporting. Date last activity is not 100 % accurate across each credit bureas which is a FCRA violation XXXX XXXX XXXX Account Number : XXXX 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy XXXX Account Number : 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 2017-04-06
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My only income is XXXX XXXX ( XXXX ). I bank with Navy Federal. On 5 separate occasions they have taken from my XXXX money to pay for my overdue credit card account. No other money is deposited in my account except for XXXX. This month they took money that I needed to pay the rent, and I could be evicted in the next few days. I have repeatedly told Navy Federal that all the money in my account is from my XXXX XXXX but they are tone deaf to my pleas. I thought it was illegal to take XXXX money for unrelated credit card accounts. Please help me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
In XX/XX/2017, I terminated the services of XXXX and switched to XXXX. Knowing how companies are, I thought it would be in my best interest to stop payment on any future funds they decided to take. I went to Citizens Bank on XXXX/XXXX/17, in person, and paid the {$35.00} to stop payments to them. I was told I was all set. On XXXX/XXXX/17, Citizens allowed them to withdraw {$600.00} from my account. I called Citizens on XXXX/XXXX/17, and I was told the money would be put back by the following morning. On XXXX/XXXX/17, I was still overdrawn because of that charge. I called Citizens Bank again, and I was told they had to file paperwork which would result in waiting another 10 days for the money to be returned. They did offer their apologies for the inconvenience. However, when I had to tell my landlord that I could n't pay my rent for another 10 days I informed him that Citizens Bank extended their apologies. Surprisingly, that did n't fly. Now, to add insult to injury, they 've charged me a {$35.00} overdraft fee. I paid the stop payment fee well before this {$600.00} charge was presented. They XXXX, not me. They did n't fix their error in a timely manner, and they charged me for their error.

Company response to consumer: Closed with explanation