BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
After reviewing my credit report, I noticed an unauthorized inquiry from Capital One. I have attempted to correct this to no avail. I have 3 accounts with Capital One and have not applied for additional accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: CT
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My husband and I took out an Auto loan thru Wells Fargo on XX/XX/XXXX. 
The paper work was submitted for direct auto pay. 
Wells Fargo never linked our bank account to make the direct payments. We noticed that payments were not being paid on XX/XX/XXXX! We called them immediately but it was a Saturday. We called again on Monday XX/XX/XXXX. We were told that the loan had already been " charged off '' and Wells Fargo had reported late payments to all 3 credit bureaus. 
Wells Fargo never maid an attempt to notify us prior to a letter we received on XX/XX/XXXX requesting the loan 's full amount of XXXX and the car was hours away from being repossessed. 
With company wide systematic errors happening Wells Fargo bungled our auto loan resulting in sever credit damage and mental distress. 

My husband and I ended up paying the auto loan in FULL for XXXX on XX/XX/XXXX. 

We always intended to make payments, we have our mortgage loan with Wells Fargo and trusted 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 2020-05-13
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I Have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX {$350.00} XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX   XXXX {$940.00} XXXX XXXX {$490.00} XXXX XXXX   XXXX {$480.00} XXXX XXXX XXXX {$500.00} XXXX   XXXX {$610.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX   XXXX {$7800.00} XXXX XXXX XXXX XXXX {$24000.00} CHAPTER XXXX BANKRUPTCY {$0.00}

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-05-04
Company: TEXAS CAPITAL BANCSHARES, INC.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I attempted to open account but was rejected after reading the disclosures. I understand that the bank blamed a third party verification service. I think its because I read the disclosures before signing. This has affected my ability to open accounts at other banks as I am now black listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I recently reviewed my credit report and there are multiple errors. According to FCRA these items should be removed if innacurate

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 2023-07-06
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18
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: Account information incorrect

Complaint:
The credit bureaus are reporting inaccurate information and allowing my credit scores and history to report inaccurate because of the information they are providing which has not been verified and reporting accurately.

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 2020-12-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I've been trying to get my account clarified with American Express for an entire year. I am now receiving bills for amounts hundreds of dollars more than what I actually charge. I'm only able to use the card for less than {$50.00} dollars on certain days. My current bill is {$1000.00}, but I only have approximately {$300.00} in actual charges. I've contacted the CEO assigned someone to my account who totally XXXX  everything up even more. I then reached out to the audit department begging them to perform an audit on my account so they could see my account is NEVER late and I paid in full every month. I've been a customer for 20 years and this is how I am being treated. I'm now being told that my bill has been late for the last 11 months even though I have receipts and bank statements to prove that FALSE. There have been representatives within American Express who advised and confirmed their system has some " glitches '', but no one has ever tried to fix the problems. I've been told so many different lies as to why I can not use my card and they are all false.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: MD
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 XXXX 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 explanation
Consumer complaint received 2023-10-04
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received two AMEX gift cards as honoraria. I successfully used a portion of the first one once at XXXX 's online in early XXXX, but XXXX 's will no longer accept them. Every time I buy something online, I try to use these gift cards before using my personal credit cards and it never works. I honestly find I can't use these cards anywhere. 

These virtual cards are declined online everywhere ( from small merchants to XXXX to XXXX ). When I called and complained about this, I was told to print out the cards and take them to brick and mortar stores to use them, but no brick and mortar store will accept a card they can't swipe. I asked for physical cards to replace the virtual cards and was told that they could not be offered. I can not use the cards in XXXX wallet, at XXXX, at XXXX -- no one will take these cards. 

I have called AMEX customer service and they can not offer me any resolution. They insist that the cards are valid anywhere that accepts AMEX but can not give me examples of locations where I can use them. They say that they can not transfer my balances for my two unusable virtual cards to a physical card. They say that they can not apply the cards as payments to my AMEX credit card. They say they can not offer me a refund.

This system seems designed to skim dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service. 

I have been unable to use their cards all year. My money is inaccessible. All I want is the total balance on my cards in cash/check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed this a few weeks ago due to identity theft and it was removed. Now it is back on my file. I want this account removed IMMEDIATELY! 
Account to be removed : 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
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: NC
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX  New Inquiries XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I, the consumer and natural person, was denied credit by Bank Of America when I applied for a auto loan in the amount of {$30000.00} on XXXX XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. Bank Of America is in violation of 15 U.S. Code 1642, U.S. Code 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr cooper is unwilling to work with us as a result of a misapplied payment. The payment was made in XXXX and was not found and credited until XXXX. I was 2 months behind and because of the misapplied payment the account went into foreclosure. Had this payment been applied correctly this would not have happened. I called numerous times and it took 4 month for this to get resolved. I am now in a position of loosing my home and they will not work any arrangements out. I would like to pay the past due payments and have the fees added to the end of the loan. I wish to make a settlement reinstatement but each month the amount rises and its becoming impossible to pay this. I do not want to loose my home and full reinstatement is not an option but the only option they are giving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX 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
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is reporting to my credit profile as charge off or other derogatory. this account was paid in full, It should not be reporting as a charge off or derogatory this account was paid and settled, I have tried on many occasions to have the status updated. 
Also, there are addresses reporting that I never lived at these addresses. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please update these items. 

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 XXXX 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
Consumer complaint received 2020-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your Capital One. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: LA
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:
I noticed these collections reporting on my credit report. I do not have any connections with these companies nor did I ever do business with these companies. Please remove. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I paid Experian XXXX to keep my credit updated. 
Within in 24 hours my credit report has wrong information on it I try to call them about the matter, but the 2nd time they would not take my call This company mislead me to think they could help with my credit They have managed to make matters worst. 
Account were not updated XX/XX/XXXX, for XXXX XXXX XXXXXXXX Payments on other accounts not updated My phone number on my personal account was wrong, which they are using my phone number XXXX XXXX XXXX to contact me I never used this phone number and the information on the accounts are wrong They put a new credit card on my file which I told them to cancel XXXX XXXX XXXX the last time this account was update was XX/XX/XXXX In good standing Date opened XX/XX/XXXX Balance - Status Open/Never late. 
XXXX  XXXX XXXX In good standing Date opened XX/XX/XXXX Balance {$6400.00} Status Open/Never late. 
XXXX  XXXX In good standing Date opened XX/XX/XXXX XXXX {$2700.00} Status Open/Never late. 
XXXX XXXX In good standing Date opened XX/XX/XXXX XXXX {$4000.00} wrong Status Open/Never late. 
XXXX XXXX  In good standing Date opened XX/XX/XXXX XXXX XXXX XXXX Status Open/Never late. 
XXXX In good standing Date opened XX/XX/XXXX XXXX {$0.00} Status Open/Never late. 
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
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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