BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
I received a letter from Capital One XXXX XXXX stating " You did not provide two credit card numbers '' and I tried to contact XXXX XXXX to provide two credit card numbers, but after I called XXXX, the automatic answering machine transferred my phone directly to a debt collection agency, and then I tried again, immediately disconnecting my phone, and no customer service representative was available. 

Capital One should know that willful negligent and willful misconduct violate consumer law and anti-trust law, false statement and fraud transition. 

Capital One provided false statements and fraudulent transfers for {$18000.00}. Capital One should return my money to me by XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
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: Was not notified of investigation status or results

Complaint:
I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However, all under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The XXXX Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2023-08-15
Company: EQUIFAX, INC.
State: AL
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 sent disputes to the credit bureau regarding accounts reporting that I have no record nor recollection of I also reached out to the company for debt validation. I have not received information validating the debt nor have the accounts been removed from my credit report. Furthermore, these disputes went over the 30 days that is allowed and should have been removed. My FTC report has also been ignored and accounts not properly researched that was apart of my FTC filing due to fraud. I lost my wallet and all identifying information and have been battling incorrect information on my credit report since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX and I have recently discovered that I have become a victim of identity theft. I am writing this personal statement on behalf of myself. My information was utilized to apply and/or obtain financial goods and/or services without my knowledge or consent. I am requesting that the following information be removed from my accounts immediately ; XXXX CARD SERVICES, XXXX, XXXX. I am a victim of identity theft and did not make these charges nor did i authorize or approve these accounts to be opened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX XX/XX/2022 - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/2022 XXXX Unauthorized Inquiry XXXX XXXX XXXX XX/XX/2022 - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/2022 - Unauthorized Inquiry XXXX XXXX XXXXXX/XX/2022 - Unauthorized Inquiry XXXX XXXX  XX/XX/2022 - Unauthorized Inquiry XXXX XXXXXX/XX/2022 - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/2022 XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, I paid off my mortgage with Ocwen/PHH. I requested the Satisfaction of Mortgage and the Original note. Ocwen/PHH stated that the County Clerk will mail it to me within 30 days. I contacted the County Clerk and they stated that the payoff was recorded on XX/XX/2019 and the documents were sent back to Ocwen/PHH, and they are to send to me the Original Note and the Release. I continued to contact Ocwen/PHH and they are telling me that it could take up to a year for me to get these documents. When I ask to speak with a Manager, they continue to hang up on me. The laws in Florida and Mississippi states that I should have these documents not later than 30 days from the payoff date. I would like to get the documents that I have a right to have, but there is no one at Ocwen/PHH that knows anything about these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: FL
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 is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX 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 2023-10-11
Company: Experian Information Solutions Inc.
State: VA
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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX, XXXX. XXXX ; XXXX  XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX ; XXXX  XXXX XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-08-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a closed XXXX account I never had before attached to an address Ive never live before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: WI
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX 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 explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo made me resigned my lawyer and did not want to give me a loan modification. When I resigned my lawyer, they didnt modify my loan but forced a forever range balance on my mortgage. Later on the loan was solved and it still Carries forward the forbearance.

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 2020-12-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This card is from XXXX. I had payed it off before cancel my card with Wells Fargo. I had received a letter a little over a year, XXXX, stating the amount owed and that it went to collections. I was just aware of this and in the past I never received a statement or anything. I tried to dispute it and yet it appears on my credit because the bank claims that I still owe this money. I called back maybe in XX/XX/XXXX I called to see what can be done and the collections department said that they couldnt do much because a lot of what I was told was not written in the notes.

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 2023-12-02
Company: TIDEWATER FINANCE COMPANY, INC.
State: MI
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:
On XX/XX/2022 a hard inquiry was listed from Tidewater Finance Ive made several attempts to call the company for proof of reporting information however I was put on hold and this situation was never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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 and Equifax are reporting XXXX and XXXX XXXX XXXX on my credit. I have no idea where any of these come from. I reported asking what theyre reporting and how do I owe as we never did business. There are companies continuing to make false verifications to collect fraudulent payments that arent owed to them. I would like a true investigation not false verified. All documents need to be sent to me as Ive never signed anything with either company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021, I opened a joint account at Chase on XXXX XXXX XXXX, XXXX, XXXX. I showed two forms of ID, another recent bank statement with my current adddress, and the account was funded with XXXX. On XX/XX/2021, I was notified by Chase that the account was closed to suspicious activity. A supervisor by the name of XXXX told me that she can not disclose the specific reason they no longer want to do business with me, but it was after a back office review that they have determined I am not a worthy customer to do business with. I do not have any record on XXXX of bad account activity. I recently moved from XXXX, XXXX to XXXX, XXXX and I opened my account with my US Passport. 

When someone says you are suspicious there is a reason my red flag goes up. I have not committed fraud, nor have any desire to do so. I was simply opening an account for household expenses to be paid. 

I would appreciate a response on the reason why my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been disputing my account balance for years now because the balance isnt matching up with amounts paid, the balance is incorrect, i requested debt validation and they sent me what they had but then stated that they could only send me what info they had while they serviced the account, which means they are missing 6 years of payments, fromXXXX through XX/XX/2012, which means this debt can not be validated and they have willfully non complied for at least 8 years of them servicing the loan. They also refused to stop billing or reporting this account while i am disputing the account balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report under 15 USC 1681 number 3. The company assumed this role without permission not only that you did not have my consent. The company did not respect my privacy pursuant to 15 USC 1681 a number 4. The company did not exercise its grave responsibility, the company was unfair, and partial. The company never had a permissible purpose pursuant to 15 USC 1681 b number 2. I never instructed or gave any consent for the to be reporting in the first place. What I am demanding now is that you all delete the accounts off of my 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 2021-08-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Merchants Acceptance Corp
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 disputed with the three major bureaus multiple times about this account reporting on my consumer file ( MERCHANTS ACCEPTANCE CORP ACCOUNT # XXXX ) this account continues to come back as verified and i have yet to receive any proof of validation of this debt. On my consumer file the alleged debt is showing as charged off since XX/XX/XXXX, however the balance continues to increase and decrease, the status continues to change, and it is reporting as open. By law this is inaccurate reporting to my consumer file and has been going on for months now. also listed on the account is a comment from the furnisher stating that, ( CREDITOR CAN NOT LOCATE INDIVIDUAL. {$1400.00} WRITTEN OFF. {$2100.00} PAST DUE AS OF XXXX XXXX. ) How is it possible for me to still be accumulating debt on a written off account? I have yet to receive any mail from this company stating proof of claim, I do not have a contract with this company and have not been provided with proof that I do. I have attached the most recent changes as proof to the changes being made on my consumer file with this company. This inaccurate non validated account is affecting my creditworthiness and ability to provide more for my family when i apply for new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Nationwide Recovery Systems, Ltd
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I discovered that Nationwide Recovery placed a debt in collection on my report after failing to notify or verify the debt. I did not know I owed this debt. I feel like they should have given me a chance to satisfy the debt prior to placing it as a collection on my credit report. Some weeks ago, some unknown person contacted me that I owed money. They did not include the nature of the debt, the name of the person the debt was owed from. I requested verification of the debt. I never received that verification. I am not sure whether that entity is the same as the entity that placed this collection but if it, I should have received verification of the debt to give me an opportunity prior to placing the collection on my credit reporr. 

This creditor failed to notify me that there was a balanced owed prior to placing this account for collection. I want verification that this account is valid with the date of service, what service was provided

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Overdraft fees charged when the account balance didn't become negative. This has been a repeated issue over the last 6 months. Wells Fargo says this is being caused by pending charges on the back end that can't be viewed by myself or the personal bankers in store. 
Today ( XX/XX/19 ) I received an email stating that I had been charged 2 overdraft fees for items posted on the XX/XX/XXXX despite an ending daily balance that was positive. I spoke with a personal banker who assured me that the fees would be refunded, however, shortly after leaving I received an email refusing my refund request. I returned to speak with the personal banker and was informed that the refund was being denied because they have a limit and I had reached it over the last 6 months. The only fees that have been refunded were due to this same issue.

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