BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Called capital one about an account with my name, phone number, and social because I never made an account with them. This happened on XXXX after receiving emails of updated changes on my account that I never made. I received an email about a silver card from capital one that I never made as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX Information Inaccurate Disputed - on XX/XX/2020 Inaccurate Charge off amount Inaccurate Charge off Date

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 2023-12-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Voluntary repossession

Complaint:
On Thursday XX/XX/XXXX at XXXX MST my XXXX XXXX was towed out of my driveway. I contacted the local police department to report a theft. The police department suggested I contact my bank because the vehicle was being repossessed. The bank I had the loan with was Bank Of The West. I called the number provided and the call was to BMO Harris bank. Up to this point I was not aware the Bank Of The West was bought by BMO. All payments have been made on time from XXXX to XX/XX/XXXX. After speaking to a costumer service representative. They could not locate any information on me. After seven hours of being on the phone I received a call back saying I owed payments from XXXX to XXXX and Tow fees plus late fees. I told them that was incorrect since this was not my fault because I was not informed by BMO that no payments were being made. Finally I received an email from BMO accepting responsibility for their mistake and all I had to pay was what was owed since XXXX. I was informed to go to a BMO bank and pay them a total of {$1900.00}. On XX/XX/XXXX I went to BMO bank to pay and they did not have an account on file for me to pay. They do not have me in BMO system. I paid the money to an account that they created and was able to collect my vehicle from repossessions. I returned back to BMO to find out where my lease agreement is and nobody is able to locate it as of now.

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 2020-12-18
Company: I.C. System, 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:
On XXXX XXXX, 2020, I.C. SYSTEM, INC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA I.C. SYSTEM, INC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2020-08-17
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: Account information incorrect

Complaint:
I have reached out to XXXX XXXX ( creditor ) a number of times as well as the 3 major credit bureaus about a balance that is being reported. The account in question is being serviced by an outside collection agency, but XXXX XXXX is reporting balance on my credit report. I am being advised by all 3 major credit bureaus that XXXX XXXX is not reporting that my account is with an outside collection agency. This account has been with an outside collection agency for several years. I have called the creditor and credit reporting agencies to no avail. Account is charged off as bad-debt but not reporting or showing as transferred or sold to collections. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: WELLS FARGO & COMPANY
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I received a direct XXXX message from a family member asking to send a XXXX as she ran out of availability for the day. As we were talking personal things a few minutes before thru XXXX I did not think much of it, and sent {$520.00}. Minutes later I found out that she had been hacked and called my bank immediately. They failed to give me any information on the matter and I had to find the case was closed with little investigation by calling them.

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been disputing this company since XX/XX/. I was told that if I produced anything that confirmed my move out date that they would remove the account. On XX/XX/ I sent them 2 emails confirming my move out date, and 2 more emails that I got from the company that owned the apartment complex. They told me I had to wait thirty days for the client to respond if not they will remove the account, this was told to me per their supervisor on a recorded line. I reached out again XX/XX/XXXX, and was told my account was on hold and just to wait the full 30 days. I reached out again XX/XX/ and now Im being told the email from not only the lakes At XXXX but the email from XXXX XXXX the Director from XXXX, the company that owned the property, was not sufficient enough. This company has been violating my consumer protection rights, I can barely sleep Im XXXX and I feel overwhelmed, helpless, hopeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/1982 SS : XXXX I have several addresses on my file that I never lived at these address, they belong to my EX-girlfriend I have nothing to do with any of these addresses. I am a victim of fraud so I am trying to protect the integrity of my credit file the best I can. I have filed a police report in XXXX XXXX and XXXX XXXX. I found several accounts on my credit that are fraudulent and not accurate. 
XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX PA,XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX RI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX # XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX PA, 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 2023-11-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX reported non payment through their collector to all credit bureau and that had a massive hit of XXXX points on my credit score. 
I moved out of the XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX in XXXX and I have prove of my forwarding address submitted to the apartment leasing office and also XXXX XXXX to forward any closing bill whatsoever. 
They never sent anything to me but only to find out the credit bureau deduct XXXX points from my credit and have the negative remark which will be on my report till XXXX I called XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX TX XXXX to show any prove of letter sent to my forwarding address but they couldnt provide any. 
I paid off the said amount of {$730.00} since last week after I found out through credit bureau but they wouldnt go back to the credit bureau to fix their mess. 
How would I have paid a bill I never received? 
Please help me. 
I have inform delivery on my forwarding address inbetween that period and now so I can prove they never sent me any closing bill.

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 2023-12-15
Company: Sequium Asset Solutions, LLC
State: AR
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I left XXXX to go to XXXX on XXXX due to terrible service. The worse in the last 20 years. I called and spoke to XXXX. I asked XXXX how much my early termination fees would be if I left that day and went to XXXX. She said {$480.00} or {$520.00}. I had her check both my number and my sons number. I also told her about a {$500.00} gift card that I was given by XXXX for bringing my own device. She said you do not need to pay that back. It is yours to keep. We even tried to make a payment on the {$480.00} or {$520.00} with that card. My first bill from XXXX was emailed to me a week after porting out and was {$1000.00}. I immediately called and asked them to escalate it to a team manager. He was rude and condescending. I asked that the transcript from that call be pulled and preserved for evidence of the conversation. He could not tell me what the {$1000.00} was for. Then, XXXX took {$1000.00} out of my checking account without approval. then the bill went to {$1400.00}. And no one could explain why. I spoke to them a dozen times after this, spending hours and hours on hold and then in discussion. During one of these calls, XXXX offered to take {$250.00} off, but I politely declined. I owe what XXXX said that I owed on XXXX. When I get a bill for {$480.00} or {$520.00} as I was told, I will gladly pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: TX
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:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX TX XXXX. Please update my name to : XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: TX
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:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX TX XXXX. Please update my name to : XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2021-08-24
Company: Resurgent Capital Services L.P.
State: IL
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:
I got a card in the mail that a order of default was entered on XX/XX/2021 with no info for the reason why this happen only thing that's on it is Judge XXXX XXXXXXXX XXXX case # XXXX XXXX so I sent the plaintiff so far six certified copies starting on XX/XX/2021 requesting all and any bills, validation letters and any court dates to their lawyer XXXXXXXX XXXX XXXX XXXX and to the plaintiff it's been over a month and they haven't sent me the info I asked them for I went to small claims court to see if they can help me find out who's suing me they printed out a letter showing CIVIL ELECTRONIC DOCKET there was no information showing who was suing me only thing on it was a case number and the debt collectors and their lawyer so I was told to file a motion to set aside the default order which was granted so I sent them both copies to show that we have a XXXX  visit on XX/XX/2021 at XXXX XXXX  how am I supposed to prepare my case if I don't know what's going on so I fax and mail the same info last week and I was going to keep doing it until I get it but since the XXXX  visit is Friday so what can I do as far as them sending me what I need can I sue them for not sending me the papers so that I will have time to prepare just in case because right now I have no income coming end my wife gets a XXXX check after the bills are paid on there's nothing left for counsel I tried legal aide but no one has call reach out to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went into the XXXX XXXX Florida- Navy Federal location on XX/XX/2019 to open a new business account. ( In my possession I had my EIN number and my business is active and listed on the Secretary of State. ). My company is paperless, so I had it electronically in my phone- but as we all know SOS is available to anyone free online. 
I was immediately give a hard time by a teammate XXXX. She was beyond rude. She acted like she didn't want to open a business relationship, or lacked training. She didn't know what forms were needed or how to proceed. Then told me I HAD to produce paper copies of the documents, that she wouldn't print them. I advised her that my small business is paperless ... of course I am growing more irritated as she had given me a 9 page BOF form to complete via handwriting. She was quite condescending, which lead to me being stern about the discrimination I was receiving. Next thing I know the branch manager came over to lecture me and tell me to lower my voice. The worst banking experience EVER. My wife has been in banking for 14+ years and would never get away with treating a client that way, it was not client centric. When I got home, I wrote a formal complaint to the company via their secure website Confirmation # XXXX. I received no return message. Only a representative by the name of XXXX calling from XXXX - to further chastise me and tell my behavior is inappropriate. - And told me how I have to act, that I'm not allowed to be upset due to their laziness in the branch. That my feelings are not valid as a client. 

Fast forward to today, when I receive a letter mailed to me from Navy Federal that advised its due to a " recent incident '' at a branch. It continues to say that I exhibited unacceptable behavior. " In the event of any future incidents, you will no longer be permitted to enter ANY FCU branches for ANY Reason & We not act favorably on any request to reinstate this privilege. Citing that I abused the teammates. I am more than sure that there is surveillance and anyone can see that I did not " abuse '' anyone ... nor was I yelling, or screaming or acting any way of inappropriate. I am able to express my displeasure without being threatened. 

The company is discriminating against me and my small business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: BROKER SOLUTIONS, INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
Company waited 51 days after credit pull and 4 days before closing to deny me access to my credit which prevented me from closing on my home. They stated the denial reasons as a foreclosure or mortgage obligation, none of which is listed on my credit report. They also state " other criteria '' and " investor guidelines '' in their denial letter and email correspondence, which are not valid criteria in a consumer credit transaction and are discriminatory. I have also indorsed many documents, given securities, and given access to my estate, and I have not been compensated for my security instruments or my equity in this transaction. In their unfair and deceptive tactics, New American Funding has : 1. Denied me credit based on " other criteria '' and investor guidelines which constitutes discrimination. [ See XXXX-New American Funding Email XXXX and [ See XXXX-New American Funding Email XXXXXXXX ] 2. Denied me based on evidence I have not seen and evidence not on my credit report. 
XXXX. Refused me access to the full report which took away my right to dispute any inaccurate information. [ See XXXXNew American Funding Email XXXXXXXX ] XXXX. Committed securities fraud by taking in a security loan against my personal property and not compensating me. They are also masking themselves as creditors in order to strip me of my status as principal and my entitlement to the proceeds funded by the consumer/commercial paper. 
5. Not giving full disclosure on whether loan number XXXX and XXXX listed on the denial letter and other documents are active loans or loans that were denied. [ See XXXX-New American Funding Email XXXXXXXX ] XXXX. Refused to answer whether any funding has been received, moved, or transacted on behalf of the principal XXXX XXXX. 
7. Pressured me to commit identity theft in order to provide proof of their claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently discovered Synchrony ( Ashley Furniture ) is not applying my payment i have been making with there app until the day after my due date or payment date. The company is charging me a late fee then applying my payment. This is an XXXX  and unfair practice. In addition to not applying my payment on date I have it set up for ( due Date ) they are adding a late fee to drive up my balance and not reporting late on my credit when i have never missed a payment. This has been going on for last XXXX months I discovered.

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 2023-11-14
Company: Solar Mosaic LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I purchased a home in XX/XX/XXXX, and I wanted solar panels. At that time ( XXXX  ) I began working with XXXX XXXX who was going to install the solar panels. They said they have a finance company that can finance the project. I agreed to the financing. However, as of today, I do not have solar panels and the project has been canceled. I canceled it ( XX/XX/XXXXXXXX  ) due to the lack of communication and no installation date. It is now over a year and I am still trying ( since XX/XX/XXXX ) to get the loan out of my name. XXXX canceled the project as requested and now Mosaic is requesting payment on the loan and I have no product. They keep telling me that they need to get permission from XXXX to cancel the loan. No one is talking to each other and no one is listening to me. Neither one will communicate any of the information via email or in the form of a written letter. As if they don't want to admit that the project has not and will not go forward. Mosaic states that XXXX says the project is still moving forward but when I login to the customer portal for XXXX it says the project is canceled.

Company response to consumer: Closed with explanation