BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Capital one keeps sending me false advertisements of pre approval. They pulled a soft inquiry on my credit report to gather the info. Then send me multiple advertisements saying ive done been approved for a loan between XXXX and XXXX dollars. Then when ya wan na see what the amount is. They tell you that you havent been and there is no amount ir pre approval. The flyer doesnt say i could be approved, it specifically states ive already been approved. But thats a lie. Also ive told them several times to not contact me. I went through the opt out procedure and sent a cease and desist letter. Theyve ignored it. I am not a customer nor do i have dealings with them or their affiliates. This advertising is a lie and completely false. The only parameter i matched was living within XXXX miles of the dealership which they said was all they required. There was no preapproval or even an attempt to see. Nothing on this flyer leads to the thought that i am not approved. It actually tells me verbatim " you got the green light to purchase the vehicle you want with preapproved auto financing ranging from {$4000.00} to {$55000.00} through capital one '' and i receive this offer weekly for various dealerships. This is a lie and blatantly false. This type of advertising has negative consequences as most actually are not going to be approved at all and then the dealerships going to run multiple inquiries on the report causing a drop in credit score all because the consumer was told and led to believe they are approved. Its dirty and false and needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I put a block on my credit card 3 times so no one besides me should use it. But each time my credit card was used. These 3 calls were made in the second half of 2017. All 3 calls were made from inside this Bank of America, the branch near me that I used. All calls are recorded. 

Bank of America 's Address : The Personal Banker directly calls the Credit Card Dept. for me. Faster and easier than calling the number on the back of the card.

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 2022-11-16
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My account was pending closure with US BANK so I went into a branch they didnt explain why and told me they could not help me afterwards they ( the branch ) closed my account and before they did they withdrawed money from it illegally

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 2022-04-30
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Once again M & T Bank 's use of the merchant website XXXX  apparently run and handled by XXXX XXXX of M & T Bank is in our opinion an abject and total failure. Every single time we need to login it either does not accept our password, or the multiple idiotic " verification questions '' which seem to change or be altered each and every single time. When we have complained out of frustration to XXXX XXXX, we are met with her derision, arrogance, insults, veiled threats, haughtiness, and plain old XXXX poor customer service. This problem is especially egregious because we have just today received a credit chargeback ( on a Saturday ) which is time-sensitive otherwise they will remove probably tens of thousands of dollars from our account. In addition, the " forgot password : feature does not work either because it does not recognize the temporary fake answers to the questions that XXXX XXXX placed in when we complained last time. Please urgently investigate and advise.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 constitutes my second attempt to attend to a matter and function as a follow-up to my initial complaint dated XX/XX/2023. It is crucial to reiterate that, as per FCRA section 605b, Credit Reporting Agencies are compelled to eradicate any entries specified in an identity theft report, particularly identified as XXXX XXXXXXXX. In accordance with Section 605B ( a ), the CREDIT REPORTING AGENCIES are obligated to eradicate any entries in the consumer 's file identified as information resulting from an alleged identity theft within XXXX business days from the date of receipt. Enclosed herewith are the pertinent documents substantiating the necessity for the removal of inaccurate information currently manifested in my credit reports. The following accounts have been expressly identified for removal : -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX  -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  Balance XXXX XXXXXXXX XXXX XXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX  -- -- -- -- -- TRANSUNION : XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX XXXX XXXX XXXX XXXXriginal creditor XXXX CREDIT XXXX XXXX  XXXX A ) XXXX Balance XXXXXXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX BANK XXXX XXXX XXXX ) XXXX Balance XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXXXXXX XXXX  XXXX Balance 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 2023-08-11
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:
I submitted a letter to XXXX, Equifax, and XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 

XXXX XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02
Company: BARCLAYS BANK DELAWARE
State: CO
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:
There is a fraudulent credit card posting on my credit report from Barclays Bank ending in XXXX. It is showing over spending limit, and past due payment. This account is fraudulent, as I did not open it. The company and credit reporting agency needs to remove this account within 7 business days as it is a violation of my consumer rights to be posting false and misleading information. I have reached out to the company, but have not heard anything in response.

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 2023-08-11
Company: EQUIFAX, INC.
State: ND
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2017-04-08
Company: Big Picture Loans, LLC
State: ME
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Please look into a.company called.Big Picture Loans. They offer payday or.nextday loans.They offer loans to.consumers for XXXX dollars.They don't.tell you in there letter.of over the phone that they charge750-800 % interest on that loan!!! They also claim.ammunity saying.they have tribal protection through the XXXX tribe. There 's 100 s of.1000, s of complaints and upset.consumers o et.these guys.How they can be in.business is beyond me.Please make sure another.consumer does not.get scammed you take a XXXX dollar loan and.pay back nearly 1800 dollars. Please help and investigate thank you. These guys should.stop.hiding.in.there.tribal law and.be.shutdown or loomed at regularly until there.business practices are decent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me repeatedly from this number several times a day. I think it's XXXX 's but I don't have a XXXX 's account

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 2019-08-19
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted the company to verify the debt that was being reported on my credit report.  It was a supposed debt for my minor daughter. When I asked the collection company to verify the debt for me. I asked for them to verify this with very specific information that would not violate HIPAA. However, the information they provided violated my HIPAA rights by sending confidential medical treatment information for my daughter. I asked them to remove the reporting in a letter since they violated my HIPAA rights.  I did not get a response to my letter.  I sent a letter to the original creditor and the collection company and still never received an error.

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 2023-08-11
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Although numerous complaint has been filed against Wells Fargo Mortgage to include # XXXX and its foreclosure lawyers, XXXX The same pattern of violating the law continues in an attempt to unlawfully forclose on our home. 
In our last telephone ( telecom ) conversation on XX/XX/XXXX to discuss the XX/XX/XXXX letter ( see attached ) you informed us your office was looking into as to why Wells Fargo Mortgage XXXX for Loan Modification never responded to our numerous written and telephone request as which other additional documents needed to complete the review, including a complete appraisal be conducted on the properly since the Team had apparently used old data in determine Net Present Value ( NPV ) originally. 

During our telecom you also assured us that no Sale Date for the property was scheduled. To the contrary today XX/XX/XXXX we find the attached Notice of Sale taped to our front door for schedule sale date of XX/XX/XXXX at 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 2023-12-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells fargo claims they credited my account twice which did not happen over fraudulent deposits that were not made by me I called an reported these transactions at the time they happened I want my money that was wrongfully took from me by wells Fargo

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 2023-08-11
Company: EQUIFAX, INC.
State: IL
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:
Ive made previous complaints with you about this world acceptance account reporting on my credit report. You guys couldnt have been following the procedures of following up with the furnisher because I asked world finance directly and they have sent me a letter which Im attaching to this complaint stating that they did NOT charge off this account!! They said they sold the account and no longer have any information on the account. So If they dont have any information on the account and didnt charge the said account off that means that you guys are reporting this account inaccurately and are violating 15 USC 1681e ( b ). This is fraud at its finest and I DEMAND this account be removed from my credit report immediately!! 
XXXX XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have been over paying in my escrow since XX/XX/XXXX and now its XX/XX/XXXX. I was with XXXX  which I reported this issue to them 3 times. Then in XXXX they switched over to a new company called newrez. I have reported this issue to them twice they are not doing anything. The issue is they are saying that my mortgage insurance is around XXXX yr, and no its not its XXXX. I asked for two escrow analysis and they still yet to fix the issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 noticed on my credit report that I have several unverified and unauthorized inquires that must be removed. I have contact XXXX, TransUnion, and XXXX regarding these unauthorized Inquires this would be my third time reaching out to them regarding the same matter. These are not my inquiries and according to the ( FCRA ). Legally these unverified and unauthorized inquiries must be removed. I've listed each unverified and unauthorized inquiries below for XXXX, XXXX, and TransUnion. 
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 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 2023-08-11
Company: EQUIFAX, INC.
State: MO
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly delete the following items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnion is reporting account number XXXX with XXXX that is an Authorized User account and is not mine. This account was never mine and should have never been on the 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