BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I have a Capital One Credit card, which I've always paid in full each month for years, never missing a single payment. Last month I missed paying it off in full by 2 days and the payment ( paid online ) took another 1-2 days to post. I was charged both a late fee ( {$25.00} ) and interest charges ( {$86.00} ). They initially waived the {$25.00} late fee and reversed {$50.00} dollars in interest charges. The following month, despite paying my entire balance in-full again and on time, I was charged another {$77.00} in interest. 

They refused to waive any additional charges indicating I was charged interest because I missed paying my balance off in full the previous month. Bear in mind, no one explained there would be additional charges, when I called last month. Furious, I immediately requested that they close out my account. 

I have {$44.00} dollars in rewards that I have not posted back to my account. 

Unless fees are waived in-full, I will never again due business with Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: SC
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:
Recently, I did a investigation on my credit report which cause severe XXXX upon me unverifiable, invalidated, inaccuarate and questionable items that your agency didnt make sure it was reporting 100 %. In accordance with the FCRA everything has to be 100 % accurate on my credit report. 15 U.S.C. e ( b ) and 15 U.S.C ( 5 ) states that these accounts are in violation of not being 100 % accurate.

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 2022-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
As I have to move to a new apartment before the termination of my current lease, I posted an advertisement for my room ( website " XXXX.XXXX  '' ) for a transfer lease. An XXXX guy named XXXX XXXX XXXX contacted me and assured me he'd take over my room. We did a conversation using his email id ( XXXX ) and XXXX ( XXXX ( XXXX ) XXXX ). He sent me his driving license as proof ( DLN ) XXXX ). He said he'll send me a check of {$5000.00} as advance money so that I can be assured he is taking the room for rent, and I can proceed with the lease transfer. I would have to return the amount that would be extra. He sent me a check of {$5000.00} and asked me to deposit it. I deposited the check to bank of America, and after 1 day, the amount of {$5000.00} deposited into my account. One the money deposited to my account was shown up in my balance and money transfer was verified, he asked me to return {$3500.00} as it was extra. He gave me an account detail of XXXX XXXX ( XXXX ) and asked me to send {$1000.00}, {$1000.00} and {$950.00}, respectively via XXXX.. He again asked to send the remaining {$550.00} to XXXX XXXX ( XXXX ) but the transaction was refused this time. After sending these money to XXXX, the check amount ( {$5000.00} ) that came into my account ), went back. I called the bank and the bank associate ( customer care service ) why the {$500.00} was deducted from my account, and he convinced me that the amount might be returned to my account, as sometimes it happens, and it may not be a fraud/scam issue. I again texted XXXX that the check amount is reduced, and he said he'll confirm tomorrow why the check it happened. Even I was not notified by bankd why the the {$5000.00} that was reduced from my account. But another day, I could not see the check amount returned. After calling the bank associate again, we realized it was a scam, and he filed my claim for the check amount that I should recieved XXXX Bank of America has reported my case, case number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX has stopped responding to calls or 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 2023-10-12
Company: EQUIFAX, 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 TO THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX # XXXX AND XXXX XXXX XXXX  XXXX # XXXX ALSO XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTON 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: MA
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 explanation
Consumer complaint received 2022-10-17
Company: Self Financial Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
In Accordance with the Fair credit Reporting act XXXX Account # XXXX Has violated my rights. 
XXXX5 USC 1681 section 602 States that I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states an Consumer Reporting Agency can not Furnish a account without my written Instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account, or an open consumer credit plan as late For Any Purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA
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:
XXXX XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( regarding inquiry dated XX/XX/XXXX ), XXXX XXXX  ( regarding inquiry dated XX/XX/XXXX ) and XXXX XXXX XXXX XXXX  ( regarding inquiry dated XX/XX/XXXX ) Inquiries are not mine. Please remove from my credit profile.

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 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-02-06
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: Their investigation did not fix an error on your report

Complaint:
This is the second time I've sent a letter to the credit bureaus to correct this erroneous information. I will file a lawsuit against you because I think you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I had brought up this in my prior COMPLAINT #, and I'm discussing it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-07-25
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XXXX XXXX, we purchased a XXXX from XXXX XXXX. We told the sales person, XXXX, and the finance guy repeatedly to make sure they list our po box as our mailing address. On XX/XX/XXXX, I called to ask when we would receive a bill to be told our account was past due. We explained we have yet to receive a bill. The supervisor we spoke to assured me that had fixed the billing address. I had a check sent from Bill Pay with my bank. It arrived on XX/XX/XXXX. 

Payments for XXXX and XXXX went sent on XX/XX/XXXX and XX/XX/XXXX, respectively. 

We have yet to receive a statement from this company. 

I called again today and discovered they had applied XXXX late fees to the account. 
I first spoke to XXXX who refused to hand me over to a supervisor. I called back and got XXXX who got me over to XXXX. 

XXXX made me wait while she heated up food for people - I could hear kids and a microwave! 

After several minutes, XXXX came back on the line. I explained we have yet to receive a bill from the company, that we told them at the dealership, it was supposed to be fixed on XX/XX/XXXX,... 

XXXX said she updated the billing address but it would take not take effect until the following statement. I told her they told us in XXXX that they corrected it. She stated they put something in the notes. 

XXXX said she put in to waive one of the two late fees. I stated it isn't fair to have any late fees as it was the company 's fault we never received a bill and we had paid our loan payment on time each month. She further stated she would request a waiver but didn't think it would go through. 

I told her the XXXX payment should be there tomorrow and asked if there was still going to be an issue. Apparently, this company keeps issuing additional late fees even though we pay on time. This is not fair or reasonable.

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 2023-05-21
Company: EQUIFAX, INC.
State: MI
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 disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We were defrauded by WELL FARGO. We was told to not make XXXX payment in XXXX. They tried to foreclose on us. We had a mortgage of 30 years that was to be paid off in XXXX. We were forced to modification to 40 years. They swindled us into a XXXX lie. To compensate our dream home. Yes we want justice and transparency of this illegal action towards. Yes we also was in their illegal issues that Supreme Court found them guilty in mortgage fraudulents cases against peoples homes. I have all of my forms.

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 2023-10-12
Company: EQUIFAX, 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 inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
Company: EQUIFAX, INC.
State: GA
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:
I XXXX XXXX XXXX XXXX last 4digits of my social XXXX, reviewed my Consumer Reports and noticed that I had three late payments on my XXXX XXXX account # XXXX, in XX/XX/2022, XX/XX/2022 and XX/XX/2022, that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as should be as I was Never Late. Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-09
Company: SYNCHRONY FINANCIAL
State: VA
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:
I have my checking account debt card, capital XXXX credit cards, XXXX express credit card and citibank credit cards linked to my XXXX Account. I also have the XXXX XXXX XXXX credit account that was established at the beginning of XXXX. I have never activated the credit card associated with my XXXX XXXX XXXX. 

While on vacation out of town XXXX XXXX, XXXX I contacted XXXX because I need to use the credit that was available on my Smart Connect account do to my purse being stolen while I was on vacation that had my Capital XXXX and XXXX XXXX cards in it along with other personal items. 

I asked if they could either send the available credit from my XXXX XXXX account to my XXXX account or something because I had no money and only a XXXX XXXX card. The representative stated all she could do is issue me the XXXX XXXX credit card that would be sent to my house. 

When I went to my XXXX account online to make my Smart Connect payment in XXXX XXXX as I have done since its inception ) the screen showed I had no payment due. I began getting calls from XXXX smart connect stating the account was past due. I spoke to them and explained that the account online showed no payment do. And they should remove any late fee 's because of that and need to adjustment my minimum payment to what it had been for years. Considering they were saying it was twice than what it should be due to their technical difficulty. 

They explained to me that the representative on XXXX XXXX, XXXX reissued a new XXXX XXXX account number and that it was n't associated with the original one that was included in my XXXX account. They have yet to provide me with the new account number, they have n't since me a statement with this balance information detailed and each time I request it the representative hangs up on. As they did today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-07
Company: EQUIFAX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX Balance : {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A couple of weeks ago a woman who did not provide me her name handed me paperwork from this company that had legal documents from XXXX XXXX California. I waited a couplt days later for the actual documents some they have to send them through mail as well. Im not sure how this woman got the address since that is not my mailing address. I believe that this woman either hacked my email or had a copy of my social security number. Through a third part that o used and provided them with my personal account information for apartment I was trying to rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
For the past year we have been having some financial problems. We have tried to work with our mortgage company Wells Fargo. On XX/XX/XXXX I called in a payment for {$1000.00}. On XX/XX/XXXX they sent us to active foreclosure. I did not find this out until XX/XX/XXXX when I tried to make another payment. We have not been sent any letter or email saying we have been sent to foreclosure. We have tried to work with them but they keep giving us the run around. They say they send letters that we dont get. They get very rude on the phone and have hung up on my husband. They wont give us any information that we ask for. We got told our options are give them the house or they will take it by force. No dates or anything have been given to us. Many times they have said that they have sent letters and we have not got them. A number of times they have told us that they dont except partial payments. I have sent extra money when we were late and they put it all in a unapplied balance. They they charged us a late fee for it not being in the right place. At one point there was multiple payments in the unapplied balance part. And we were being told that we havent paid. Wells Fargo has stressed us out in our time of need. We know that we got behind but we have been trying. They have also told us that they wont accept any payment unless it is the full amount past due. The words were all or nothing. So rude of them when we were trying. We have still not received a letter saying we got foreclosed. Last letter said call before they send it to foreclosure. We are not being foreclosed on. They also sent mail to my parents house when they dont have that address on file. They called me a liar when I told them what happened. They have been rude and wont work with us.

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