BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My autopay was turned off for my Capital One credit cards without my authorization. This caused my credit score to drop XXXX points. My XXXX score was XXXX and I always ensure I pay my cards off diligently and have auto pay set up. The payment was only for {$36.00}, including the late fees. I was never notified by email by Capital One that my payments were late or that automatic payments were turned off. I have paid Capital One the account balance as well as the late fees that I should not have received, and have re-set up autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: EQUITY RESOURCES, INCORPORATED
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage is with Equity Resources , Inc. In XX/XX/XXXX, I contacted them as our tax bill was incorrect due to a delayed filing for the homestead tax exemption which was lost and corrected. I told them not to pay the {$7100.00} as that was incorrect and the corrected amount was the original {$1800.00}. Equity Resources , Inc paid the {$7100.00} anyway to XXXX XXXX XXXX. The tax refund was returned to Equity Resources on XX/XX/XXXX. I contacted Equity Resources on XX/XX/XXXX, as I discovered an escrow analysis for XXXX online with the analysis of our tax bill at {$7100.00} vs {$1800.00}. In addition, our tax bill for XXXX will be lower as we applied for elder over 65 tax exemption for my husband and I am legally XXXX. I have the email correspondence attached. Equity Resources , Inc. stated on their email dated XX/XX/XXXX, our account is scheduled to complete an annual analysis in XX/XX/XXXX. This did not occur, and we received a payment change on XX/XX/XXXX, of {$3600.00} vs our XXXX payment of {$2500.00}. We can not afford this payment and it is not the correct amount we owe as the tax monies were refunded. We do not owe a tax bill of {$7100.00} and Equity Resources , Inc is fully aware of this fact. This is not an amount we qualified for and places us in jeopardy of making our mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
accounts are old and need to be removed from my report and was ran with out my consent when shopping for home loans and credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: IN
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:
The credit bureaus are reporting an account onto my credit report that does not be One to me and I have submitted and identity theft report in the past According to FCRA Im due a proper investigation which provides documentation showing my signature giving permission to gain lines of credit. I would like this account removed from my credit report if proper debt validation isnt completed. This is a violation according to FCRA. 
Should you choose to be negligent in rectifying my aairs, I will initiate monetary arbitration in small claims against XXXX, Experian XXXX XXXX I WILL BE LISTING BELOW FCRA POLICIES THAT ARE BEING VIOLATED : 15 U.S Code 1681c- 2 / 15 U. S Code 1681b- 15 USC 1692 g / 15 USC 1681i / 15 USC 1681e Section 609 of FCRA / FCRA 623 ( b ) ( 1 ) / FCRA 623 ( a ) ( 2 ) / FCRA ( a ) ( 6 ) ( b ) FCRA 616, 617, 621 / FCRA 605B Account : XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX {$20000.00} 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
Consumer complaint received 2023-03-12
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This medical debt is in direct violation of my no surprises act and should be removed immediately from my credit report it is also in direct violation of 15 usc and and 1681 g they are defaming my credit and as a result I have negative items on my credit report please help remove this item from all three credit bureaus XXXX  XXXX and 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 2023-01-19
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the American Express ( AMEX ) Delta SkyMiles Gold Card back in XX/XX/XXXX based on a welcome bonus offer advertised to me through their website and via pamphlet received in the mail. The welcome bonus offer advertised to me was I would receive XXXX bonus miles if I spend {$2000.00} or more in the first 3 months. 

After receiving my new credit card in the mail and reaching the required spend threshold I only received XXXX bonus miles from AMEX, not the XXXX bonus miles I was expecting. At this point, it seemed like a mistake was made because the offer AMEX actually applied was only XXXX bonus miles after spending {$1000.00} within 2 months. 

So I submitted a dispute with AMEX to resolve this discrepancy back in XX/XX/XXXX. I provided supporting documents to AMEX on XX/XX/XXXX via online document submission portal on their website, which showed the welcome bonus offer that was advertised to me ( i.e., XXXX bonus miles ). These supporting documents can be seen in Attachment # XXXX. 

My dispute/complaint would have been resolved if AMEX simply XXXX applied the better welcome offer to my account. 

However, I patiently waited 3 months and received no response from AMEX. Then I finally reached out to AMEX today ( XX/XX/XXXX ) for a status update. Their responses can be seen in Attachment # XXXX. Essentially, AMEX declined my dispute/complaint and would not honor the advertised welcome bonus offer that I based and pursued my application on. 

I genuinely feel like I've been misled by AMEX via false advertising and if I would have known I'd receive a lesser welcome bonus offer than what was advertised to me, I wouldn't have applied or accepted the credit card in the first place. Now I'm stuck with this credit card and risk affecting my credit score/history if I cancel it because of dissatisfaction with AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this account as it is not mine. I have not applied to this company and asked what information is there to show it is my debt. Where were these funds deposited?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My pension from XXXX goes to USAA BANKING. However. Ive been unable to retrieve my money for a year and a half. I have already stopped the allotments going to USAA. 
However, I have not been able to withdraw and of the money in my account. Ive done the verification process three times and still I cant be verified. I had my bank XXXX XXXX XXXX XXXX. the notary republic wrote a letter telling USAA TO TRANSFER MY FUND XXXX TO MY OTHER ACCOUNT BUT STILL THEY DID NOT DO IT. There is XXXX XXXX cards on my account withdrawing and depositing money but I dont have XXXX cards. And every time I try to get info on my account they wont allow me to get any information. They say they need to verify me first which they can not seem to do. 
Can you please help me Im a XXXX XXXX XXXX and in dire need of the money. I have CHF and its difficult for me to go places without a car and thats what I want to do. 
Please give me a call XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX  and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: Edward F Bukaty III
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested everything on my file and audit trail XX/XX/XXXX from Edward Bukaty III Law Firm. I only received a paper with amounts on it. Was told it was public record on XX/XX/XXXX to look at it there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector company by name, Credit Management LP is falsely representing that I owe the sum of {$59.00} to XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
I have never come across the name of XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX, let alone order or request any service or product from them. I have also never received any bill from this XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
I received only one debt collection notice from Credit Management LP and this was dated XX/XX/22. 
I responded to them asking for details of this unknown debt and requested VERIFICATION AND VALIDATION amongst other details. 
Credit Management LP responded with only the same information they alluded to in the only other letter they sent to me earlier, to the effect that XXXX XXXX XXXX XXXX is the creditor and the only other information they provided apart from the name of the creditor is the po box XXXX XXXX XXXX XXXX XXXX. 
They incredulously stated that they are referring me back to the validation information they provided in the same letter they sent earlier dated XX/XX/22. This so called validation information they are referring to ONLY provided the name of XXXX XXXX XXXX XXXX, and the amount owed {$59.00} as of XX/XX/22. 
As if the foregoing is not enough, Credit Mangement LP. have subsequently sent this false debt information to the Credit bureaus, without providing any validation of the debt.

Credit Managment LP indicated in their only response letter, that if I sent a written requent to them asking for validation of the debt, they will be sending follow up correspondence to me. As of today, XX/XX/22 no correspondence have been received, and yet they have rushed the so called debt to the Credit bureaus!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian has my credit card debt much higher than what it is. XXXX   and XXXX XXXX also has my credit card debt higher than what it should be. These Three companies all have me with late payments to my mortgage company which I am not late or have I ever been late in the last six months.

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 2018-08-07
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Navy Federal Credit Union froze all 11 of my accounts without any explanation in XX/XX/2018 but stating that I would be contacted within 15 business days. After that waiting period and not having heard anything back from Navy Federal, I  decided to contact them myself. I was informed that my accounts were closed and I would be given a reason in the mail but that I could appeal the decision in branch. I went through with the appeal letter and was told again that I would be contacted within 15 business days. I heard nothing for 3 weeks so decided to phone Navy Federal for an update. I was told my appeal was denied and that I could open another appeal and that the reason of the denial would be received in the mail, by me, within 15 business days! This went on for several months with my accounts being frozen causing a chain reaction of payments being returned with Navy Federal still charging me return fees! Prior to this, I had requested that those payments be stopped to prevent this but to no avail of their own! I held 3 credit cards with Navy Federal that were also frozen. Without any knowledge of the status of my account other than assuming they were closed, I decided to close the credit cards and all accounts myself due to the unprofessional nature of Navy Federal. It has been 4 months without any updates of any kind pertaining to my accounts. My credit score has decreased and loan companies that would pull from my navy federal have closed their doors to me due to not being able to debit my accounts. I operated my business 100 % through my business account and this caused huge problems from me that I am unable to recover from. I was told my credit cards were closed which caused negatives hits against my credit score. The damage is seemingly irreversible and never ending. The level of unprofessionalism is unreal and I can not believe that such a reputable credit union would conduct business in such a way towards its own customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made two separate payments on my Target store credit card. XXXX on XX/XX/2023 for {$100.00} and another on XX/XX/2023 for {$300.00}. The payments were removed from my account on XX/XX/2023 and XX/XX/2023 respectively. Both payments are showing as posted on my credit card account, but without updating the available credit or actually giving me credit for the payments. I have contacted the company multiple times by phone and messaging. I was told because I made multiple payments over the billing cycle, all that cleared with no problem, they have to call so they can verify the payments with the bank. These payments were made using an account with the online banking XXXX, which they now say they can not call and verify. All I am being told now is I need to wait and there is no additional action I can take. This was told to me by a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions 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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 
Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX  on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX 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 2023-01-19
Company: WELLS FARGO & COMPANY
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Back in XXXX or XXXX I got the loan for XXXX at XXXX  % interest. Loan account number XXXX. I had paid over half the loan off and was trying to refinance for lower interest and kept getting denied After XXXX attempts I have up on it. With this same loan I've had multiple occurrences through XXXX where my auto has been shut of resulting in late fee and phone calls wondering why I'm not paying. 
My name is XXXX XXXX. I've been a customer since XXXX. I like in XXXX nebraska. I don't feel comfortable about putting any other information on this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
UPDATE TO CLAIM XXXX -- -- UPDATE TO CLAIM -- XXXX -- -- UPDATE TO CLAIM -- XXXX Wells Fargo has acquired my social ( credit card ) as defined under 15 USC 1602 to conduct a consumer credit transaction where I applied for an extension of my own credit but received no benefit and instead have been unlawfully denied. Wells Fargo still holds my identifying information like my social and has not performed its duties accordingly being in direct violation under 15 USC 1644 for in fact Wells Fargo has obtained my credit card for the sole purpose of extending to me my own credit via a FINANCE CHARGE but has denied me my Right to credit causing me harm and mental anguish and a lose of confidence in the banking system. This is a direct violation under 15 USC 1691 which clearly states -- -- -- ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction -- - ( XXXX ) because the applicant has in good faith exercised any right under this chapter. -- -- -- -Definition of credit under 15 USC 1691a clearly and directly states -- -- -- credit ( d ) The term credit means the right granted by a creditor -- -- -- -Definition of creditor under the same provision -- -- -- -- -creditor ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; -- -- -- -- -Definition of person under the same provision -- -- -- -- person ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. -- -- -- -- -- -- I the natural person have attempted to exercise my RIGHT to credit using my credit card to create an extension of credit via a consumer credit transaction creating a FINANCE CHARGE with Wells Fargo and have been denied that RIGHT. Wells Fargo instead alleges their COMPANY POLICY GRANTS THEM THE RIGHT TO DISCRIMINATE AND SEVERLY HURT A CONSUMER which is false and deceptive for policy does not XXXX Federal Law. Wells Fargo has obtained something of value for the purpose of money and has not performed in good faith denying a Federally Protected Right and is now also in violation under Tittle 18 242, 18 USC 1028A.

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