BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XX/XX/2022 Certified letter sent to Capital One. 

I am writing you to dispute the fraudulent charge of {$1100.00} to my credit card account on XXXX XXXX 2022. This charge is in error because it is fraudulent. I did not make this charge to my card. I notified you of this XXXX XX/XX/2022 as soon I saw the fraudulent charge. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. I understand that Federal Law limits my responsibility for unauthorized charges to {$50.00}. Your literature states that I have {$0.00} Fraud liability and that I wont be held responsible for fraudulent charges. 

I reported the fraudulent charge on XXXX XX/XX/2022 at XXXX hours. Less than 12 hours later I was informed that the charge was being upheld because the chip was used. I contacted your Customer Service to get clarification. Your agent stated that because the chip in the card was used, it could not be a fraudulent charge. A quick internet search debunks this claim. 

I made several more calls to your customer service on XXXX XX/XX/2022 between the hours of XXXX and XXXX. You note in your disclosure, before the agent comes on the line, that all of these calls are recorded. I was disconnected multiple times. One can only hope this was accidental. 

You did not investigate the charge any further. This was demonstrated when you directed me to contact the agent submitting the charge, SUMUP. The phone number you provided was incorrect. It contacted the U.S. company by that name, however, the agent involved is in XXXX. 

When I called again, I was directed to call the merchant listed. I had already attempted to contact them with the number listed on my statement. That number is not a phone number at all. No variation of adding the country code or city code for an international call transforms this into a working phone number. 

Next, I was directed to call the merchant listed as XXXX XXXX XXXX XXXX XXXX. I had already researched this information. I reported my findings to your agent. I explained to your agent that XXXX XXXX XXXX XXXX XXXX  is not a merchant. Bail is the french word for rent. XXXX XXXX XXXX is an abbreviation for XXXX, a suburb of XXXX with the zip XXXX XXXX. I have never been to XXXX XXXX 

I was a tourist in XXXX from XXXX XX/XX/2022 through XXXX XXXX 2022. I stayed in the XXXX XXXX. You can see this charge on my account. I did not rent an apartment. 

Thank you for your attention to correct this billing error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-01
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized credit inquiries. I am a victim of stalking and doxxing. Please investigate and remove the inquiries. 

XXXX XX/XX/2021 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 2021-10-11
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:
THE ADDRESSES THAT ARE LISTED DO NOT BELOW TO ME, I HAVE NEVER LIVED AT ANY OF THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORT XXXX. XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This text entry field doesn't retain any original formatting which I've used to make my story easy to read. I'm including a PDF in the attachments called " What Happened '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The same complaints were mentioned the Nationstar 's XXXX  class action settlement. Their behavior hasn't changed. 

In short, I agreed to a loan modification offered by XXXX XXXX XXXX that Ive been paying on for the last year that every human I've talked to, except for XXXX, agrees I have. But it still hasn't been registered in the system and the system keeps telling me that Im getting more and more delinquent. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - After a year of being assured by everyone I've talked to that the system just needs to " update '', my final specialized representative XXXX XXXX who I was " escalated '' to, refused to actually look into fixing the problem. He wanted to just ignore my modification and steer me into a brand new one at double the rate for {$600.00} more per month. The only options left to me with are to come up with {$19000.00} to get my old pre-mod loan back or foreclosure. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The details are in the attached PDF " What happened ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
They took my money when they should have not and closes my accounts

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 2019-10-17
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I signed up to use the services of a company, when I did not receive responses from the company to evidence that they were providing the service, I filed a fraud complaint with Wells Fargo ( XXXX ). My fraud complain was closed. I contacted Wells Fargo and they provided me documentation for the decision to close the fraud case and the documentation that they presented was the original contract that I had with the company. I am not and did not dispute having a relationship with the company, I am disputing the fact that the company did not provide the service that they advertised. I know that they do not guarantee results, but they should be able to provide some form of evidence that they were doing something on my behalf.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claim that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2023-01-20
Company: Experian Information Solutions Inc.
State: IN
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2023-02-07
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2023 somebody applied on my name for a Credit Card from Barclays Bank Delaware for an amount {$29000.00}

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 2022-04-11
Company: Diaz & Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, I reported a fraudulent account on my credit profile from XXXX XXXX that was opened in XX/XX/XXXX. I do not have and have not ever had an account with this company. 

I contacted all three major credit bureaus, provided them with the correct information including the fact that I did not live in the state where this account was created, nor was that my last time. The account was removed from my credit report in XXXX. 

However, now another collection company by the name of Diaz & Associates has re-inserted this information on my credit report. I have disputed this with the credit bureaus and this company and the credit bureaus continue to state this information is valid. It can not be valid when it was previously removed my report as fraud.

Diaz & Associates sent me a computer generated lease agreement with an ELECTRONIC signature that is not mine, this can not be used as a means to determine the validity of the debt. It is extremely egregious that a credit bureau would allow a collection agency to add information that has been removed previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 30 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-28
Company: EQUIFAX, INC.
State: AR
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
XXXX XXXX charged fees to close the account I remember it was outrageous

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 2023-02-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2022 I applied for XXXX Mortgage assistance through the XXXX XXXX XXXX XXXX and my application was subsequently approved. 

Today I found out that my mortgage servicer- Citizens Bank XXXX XXXX Citizens One XXXX XXXX ) did not apply to be a vendor for the XXXX  program thus ultimately denying me the assistance that was granted. 

I would like to know : XXXX ) Why my mortgage company did not participate in the program and XXXX. ) What remedies are available for me to get my approved mortgage assistance. 

I understand that the application period for vendors to apply to the program is still open and am wondering how pressure can be exerted upon them to participate. 

thank you for you help in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XX/XX/XXXX I have been discussing a payment plan with my Mortgage company. By phone I was informed of a plan that would be arranged for me from XXXX to XXXX. They told me to pay from XXXX to XXXX XXXX {$680.00}. Then in XX/XX/XXXX to pay {$1300.00}. Then in XX/XX/XXXX I would start to pay {$750.00} a month. I paid {$700.00} a moth instead of the {$68000.00}. This went on until XXXX XXXX. In XX/XX/XXXX is when they set me a letter about the forbearance that the amount of {$700.00} was to avoid " Foreclosure ''!!! I thought it was towards my mortgage. Now my mortgage is of course backed up for months!!!!. So now again I've asked for a Payment Plan in order to be able to pay my mortgage. They've had me in review since XX/XX/XXXX to see if I qualify for a payment plan. Now its XX/XX/XXXX and they inform me I do NOT qualify for a payment plan, and now I owe {$11000.00}. I have called every single month to get some answers to no avail. I have offered to pay my mortgage, I even sent a check in XX/XX/XXXX for mortgage payment and they returned it. Now they want me to pay the full amount of {$11000.00}. So my question is, why do you think I was asking for a payment plan? I'm totally confused and angry. I have documentation of Request for Mortgage Assistance & their response, I also have my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
The first date of delinquency reported by the original creditor was XX/XX/16. Portfolio recovery illegally re-aged this outdated debt damaging my credit {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Over XXXX weeks ago I got word from my escrow/title XXXX that I am using for a HELOC that there was a second deed of trust recording on my loan thru Caliber Home Loans. It is wrong and I only have XXXX. From that day on I have called, emailed, faxed and wrote letters as well as tried to go to a local Caliber Home Loans office that does not exist. All to get help to remove the duplicate recording asap so that my HELOC will be funded asap. The lady I am buying a house from in TN is so stressed not to mention my family here in WA!!!! It is insane to me that this company can make a mistake and cant even call me? This is THEIR mistake!!! 
On attached Schedule B- part XXXX # XXXX is XXXX NOT XXXX XXXX!!! 
# XXXX is a duplicate and is a mistake that needs to be fixed today.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 reportina agenc can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-06
Company: LEXISNEXIS
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:
I have a Bankruptcy report on my credit report. These Bankruptcy report is NOT MINE. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: FC HoldCo LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an auto loan with this XXXX XXXX XXXX in XXXX, and I returned the vehicle in XXXX they filed an XXXX with the IRS and it shows in my XXXX tax w2 transcripts. Since they have filed that XXXX I am no longer responsible for this debt. It shows that I owe {$17000.00}, but when I called them they stated I owed {$10000.00} and that they have already resold the car. So that means they have resold the car, filed it as a loss with the IRS, but are still pursuing me for debt. They've dinged my credit report every month since XXXX causing my credit to be damaged. When I called them to tell them what the IRS told me the first representative hung up, and I had to call back. The second representative told me that all he could do was file a complaint with the complaint department and it could take them a week to respond to me. I'm closing on a home in a few days and this is so unprofessional, illegal, and unfair. That is tax evasion! They have harassed me for year about this debt and have been reporting incorrectly!

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 2023-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2022 I received my firts check in this country from a company called XXXX XXXX  as soon as I got home a deposited my check in my bank account ( Bank of America ) by phone using the Bank of America app. At the next day as soon as I woke up I checked my phone and the application was blocked, went to the bank they told me that they couldnt help me that I needed to call the number in the back of my card which I did every time I called told me something different about what was happening but never the reason why I was under this uncomfortable situation as being accused of suspected fraud for a check I didnt even write that was given to me from my job. After many month waiting on XXXX I received a letter saying that my account was closed and that I was reported to XXXX  I call I ask for my report and I filed a dispute on XXXX to resolved this problem on XX/XX/XXXX I called to see how was my dispute was going they told me that they investigation was accurate but I refuse to stop there because I know that I havent done any kind of fraud I just want to resolved this problem and be able to open an account and start building credit in this country of opportunities. Please I really need your help to resolve this problem

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