BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX   XXXX     XXXX   XXXX   Customer Relations  XXXX   XXXX   XXXX   XXXX , Ga  XXXX  --  XXXX  DA :  XXXX   XXXX ,  XXXX   RE :  Requesting a Copy of My Full Mortgage Payment Account History/Including Interest Paid During Time of Loan (  XXXX   XXXX ,  XXXX  to  XXXX ,  XXXX  ) This letter comes to request a copy of my entire mortgage account payment history/file from the inception of my mortgage loan which was  XXXX   XXXX  to  XXXX   XXXX ,  XXXX . According to my records Ive paid a total of {$34000.00} during my loan with you. How much interest was paid toward my mortgage loan during that time.   XXXX   XXXX   XXXX   purchased the loan from y ou (   XXXX   XXXX   ) I must inform you that my name could  have been listed as  XXXX   XXXX .  XXXX  when transferred..     Please check your records under both names. Please send any contact and copy of information where mortgage documents were sent at the end of the loan with your company. I would assume that all information was sent to  XXXX    XXXX    XXXX , if everything was transferred to them at the end of the mortgage loan with  XXXX   XXXX   XXXX   XXXX   XXXX .     My Request and Concerns Are As Follow : Please provide original amount of loan financed Interest rate at time of loan Please include a copy of all signed documents Interest paid towards mortgage while you owned the mortgage loan Total of Monthly mortgage payments made while you owned the loan Ending Balance of mortgage loan owed when you transferred it or sold the mortgage loan.   Provide documentation of the year when mortgage loan should be paid in full according to your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 this creditor has violated my rights under 15 U.S.C. 1681a 603 ( d ) - Consumer Report Exclusions. Based on 15 U.S.C. 1681a 603 ( d ) ( 2 ) ( A ) ( i ), the FCRA explicitly excludes from the definition of a " consumer report '' any information that relates solely to transactions or experiences between the consumer and the person making the report. The information, including the reported late payment, falls within this exclusion and should not be considered as part of my consumer report. Additionally, this information meets the definition of no.n-public personal information under the Privacy of Consumer Financial Information regulations and sharing of this information is restricted under the Gramm-Leach-Bliley Act. In light of above information, the credit reporting agency is unlawfully reporting information violating my federal rights. The dates are XX/XX/2022, XXXX, XX/XX/2022 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 2021-12-29
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2021 I submitted a claim to dispute four {$100.00} transactions on my account from XXXX XXXX- a peer to peer payment service. The transaction totaled {$400.00}. Wells Fargo issued a temporary provisional credit but later reversed the credit resulting in my account being overdrawn {$400.00}. 

Upon a review and several calls to Wells Fargo 's Claims Department XXXX Wells Fargo outright refused to investigate the claim because it stated that it was prohibited from opening a claim for peer to peer payment transactions. 

On XX/XX/2021 - two days before XXXX - I was notified by Wells Fargo via email that my checking account was being closed as a result of the overdrawn balance. 

Wells Fargo failed to open a claim against XXXX XXXX XXXX, doing business as XXXX XXXX. 

Wells Faro failed to properly mitigate and remediate these fraudulent transactions even after I advised Wells Fargo that I attempted to resolve the matter with the merchant to not avail. 

I was notified by the Wells Fargo Executive Customer Service they would look into the matter but they never did. As a result of their failure to follow federal laws and a rules and regulations my account remained overdrawn and subsequently closed.

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 2023-05-08
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29
Company: Experian Information Solutions 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 RECENTLY APPLIED FOR RESIDENCY AND HAD MY CREDIT RAN WHEN I DISCOVERED IVE BEEN A VICTIM OF IDENTITY THEFT, THESE FRAUDULENT ACCOUNTS, COLLECTIONS AND INQUIRIES WERE FOUND ON MY CREDIT REPORT, ACCOUNTS - XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER - XXXX, XXXX XXXX XXXX XXXX - ACCOUNT NUMBER - XXXX. COLLECTION - XXXXXXXX XXXX XXXX, XXXX XXXX. INQUIRIES - XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX - XXXX, XXXX, XXXX XXXX. ID LIKE THIS INFORMATION TO BE BLOCKED AND PERMENATELY REMOVED FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27
Company: EQUIFAX, INC.
State: NC
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 reviewed the XXXX credit report I had ordered on XX/XX/XXXX and I saw an entry from XXXX/XXXX. I contacted XXXX   on XX/XX/XXXX, XX/XX/XXXX regarding my findings and demanded a Method of Verification/ Description of Procedure per the Federal Credit Reporting Act ( FCRA ) 609 & 611 as to how they conducted their investigation into the items were listed on my report.

FCRA 611 ( a ) ( 7 ) states : Description of reinvestigation procedure. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I received a response from them XX/XX/XXXX. It basically was their normal response. The information on this item has been updated. During this time per Federal law as listed in FCRA 609 & 611 they failed and or refused to tell me how they verified this. They provided no evidence to me at all even after I demanded the full scope of the investigation in my letter.

FCRA 607 ( b ) states Accuracy of Report ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If Equifax has deleted it and I sent you information, then it is XXXX XXXX obligation to maintain accuracy. 

Per the XX/XX/XXXX CFPB Report the following are causes of credit file inaccuracies : Data and data entry errors, CRA file matching inaccuracies, CRA process errors, Identity fraud/theft, Time lags and furnisher system or process inaccuracies : Failing to permanently change records when a consumer successfully disputes an inaccuracy, with the result that faulty information is re-reported ; Undaunted by this I tried once again. I asked for the same information from the other two bureaus ( XXXX & Equifax ). XXXX nor Equifax didnt provide it. As I believe all of them are still using XXXX to verify when that has been ruled not to be verification. I also wrote XXXX/XXXX on XX/XX/XXXX and they never responded as well. With no response to me how is it that this is still verified. What were they getting that I wasnt that XXXX  refused to share with me the information that was in my credit file showing where they did a full credit investigation as I requested by law. 

All this correspondence I will be including for you as well. I am including the letter I had asking them to remove that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXXa collections account for XXXX XXXX showed up on my credit and I have been there but my insurance covered the work I had done XXXX XXXX XXXX XXXX  and they did XXXXXXXX XXXX but they were already paid for by my ex I was there when she paid for them so I know it was paid for then they started calling telling me I owed XXXX dollars and I told them it must be another patient with the same name cause my account is current there is not balance to pay. they had kept calling I told them to stop then it showed up on my credit dropping my score XXXX that day. I just bought my XXXX car in XX/XX/XXXX.I had a good score I never used credit before so I had none now not only is it showing on my report but they keep adding XXXX or XXXX $ a week to the balance which is now at XXXX dollars they say I owe I have asked for documentation proving it is in fact my debt and was denied I have disputed it on my credit report and got denied. Even if it was mine XXXX XXXXXXXX XXXX  do not cost even close to XXXX dollars and with the new bill I seen that removes medical debt from ur credit report if it's under XXXX this shouldn't have been put on my credit especially cause I never paid the collection company a dime nor did I agree to and then from what I understand the debt was sold and that's when it showed up and then started going up every week. I don't know what to do I don't want to contact them directly as i understand it could just hurt me more in the end and this balance is continuing to go up and this was over 5 years ago as it is that I had the work done which is what leads me to believe it's not my debt just someone either using my name because my sister sold my social security number and I tried to file a report on her for it but the police department wouldn't take it and I was young when I found out and have had to fight a number of things the person she sold it to has used my name for, like a phone bill and other utilities I never turned on and had to fight over a year on each of them to have removed from my name. I am more then willing to press charges on my sister for selling my identity though I just don't know who to call to do so and this might be another one of those things that happened because of her. She knew I had been to XXXX XXXX to have my teeth pulled though and the office that this bill was made at, I've never been to so its not mine I will not pay it I shouldn't have to. I need help solving this problem so it doesn't keep harming my credit. it's now kept me from getting back into school and refinancing my car loan and now getting approved for an apartment. I'm about to be homeless because of this causing my credit to drop so drastically.

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 2023-05-08
Company: EQUIFAX, INC.
State: LA
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: U.S. BANCORP
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received a call from phone number XXXX. She stated that I had a debt with US Bank that was from XX/XX/2010 and that they were gon na start to garnish my wages. This is fraud. I have never had an account with US Bank. They have all my information. I would like to know what are my next steps

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 2021-12-29
Company: U.S. Auto Sales Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have filed multiple complaints with cfpb and I have also call usa auto sales inregards to there incorrect account management. Usa auto sales illegally sabotage my vehicle so that I would not be able to make it to work on several occasions by disabling my vehicle after constantly loosing my payments in there system. 
I have tried to be patient with usa auto sales and there incompetence on managing the correct balance. I dont owe us auto sales any balances. I would appreciate if there completely removed from my credit report where they are illegally adding a balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX and I am submitting this complaint myself. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Transunion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my report. Below are the inquiries thatare still reporting on my report and needs to be REMOVED COMPLETELY FROM MYCREDIT REPORT : ( XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXnquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-25
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled and paid off this account. I was told by the representative that the account would be removed in 2-3 weeks. Instead of removing the account, they updated an incorrect balance. 

Because of this, I have reached out to the collector multiple times regarding the matter. Which they apologized and promised to resolve the issue but still haven't done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I need to re-document and refile this grumbling to BANK OF AMERICA.I kept in touch with them the errors of my credit report including dates of payment, dates opened, payment history, and status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. 
My privileges have been disregarded various times. 15 U.S.C 1681 segment 602 A.

States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.

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 2023-10-04
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I contacted Navy Federal Credit Union on XX/XX/2023 to exercise my right to rescind a contract. I am a authorized user on a Navy Federal Visa Signature cashRewards credit card ending in XXXX ( XXXX XXXX ). I am exercising my right to rescind because I did not receive any consumer notices or disclosures pertaining to this credit account. I did not receive a credit card and I am not able to make any purchases. I have been restricted by Navy Federal from using the account however, this account is being reported to all credit bureaus and other agencies on my behalf. I have not made any purchases and this account is not my responsibility. I was added to this account under false pretenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft, my information has been used on several accounts that I have no knowledge of. 
credit card identity theft bank accounts identity theft apartment leasing identity theft I believe it was my mother or grandmother that did these things unlawful fraudalent acts and should be held accountable for fraudulently using my social security number to open accounts. Now as an adult I am sufffering trying to move forward in life.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have called several times dealing with XXXX XXXX I was told they have never received funds from XXXX referenced XX/XX/XXXX payment of {$880.00} nor the past due amount of {$5500.00}. 
The pay was sent but has not been applied to my account. The escalation department refused to address the issue. Will not allow me to talk to a supervisor reference locating the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/2021 : Sent Transunion XXXX XXXX  a letter requesting validation for these accounts : # XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXXXXXX XXXX Sent XXXX a letter requesting validation of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX Sent XXXX a letter requesting validation for these accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX REF # XXXX It has been 30 days and I have not been notified of the status of the validation.

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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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 In accordance with the Fair Credit Reporting act and XXXX  accounts number account # : 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 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