BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This complaint refers to a {$1000.00} deposit made as part of the sign-up process for a Capital One 360 Performance Savings account. The account has been closed and Capital One has failed to return this deposit. 


On XXXX XX/XX/2023 I opened a Capital One 360 Performance Savings account. Part of the process was to initiate a transfer of funds from a personal local savings account into this new account. I made the transfer of {$1000.00}, and my local bank shows the transfer having been completed. 


On XXXX XXXX, I did not have full access to the new account, so I called their customer service number. I was told that my account needed additional verification ( there had been no notice of this via email or via messaging through my new account ), and that I would need to download an app to my phone which would then be used in a complex operation to take a picture of my drivers license, front and back, under very narrow constraints. After half an hour, the process continued to fail and so I told the customer service rep that I didnt feel like online banking should be this complicated. I asked them to close my account and return my {$1000.00} initial deposit. After the phone call was transferred to somebody else I was informed that the account would be closed, and that the deposit would be returned to its original account. 


On XXXX XXXX I found that I was no longer able to log into my Capital One account ( which is understandable, and was part of what I requested ), and that I would need to call their customer service number. In the meantime, my {$1000.00} from my local bank had not been returned. I called Capital One customer service number and, after entering my information, was directed to voice mail. It appears that there is now no way I can actually talk to anybody. The voice mail greeting says to leave name and phone number, and that they will try to return the call if its needed. 


On XXXX XXXX, my {$1000.00} deposit still has not been returned, and I have left a third voice mail ( again, there is no way to access a live representative ) informing them of the problem, that they need to return my {$1000.00} initial deposit to the local account from whence it came, that I have filed a complaint with the Better Business Bureau, and that I am now preparing this complaint for submission to the CFPB. 


I do not suspect malicious behaviour, but probable significant deficits in their customer service that prevent this from being resolved. Nevertheless, they continue to retain my {$1000.00} initial deposit and they provide no way for me to resolve the situation other than for me to leave voice messages that they say they might return if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: NY
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 consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I challenge you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Exeter Finance Corp.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please see identity theft report. I have consistently disputer fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
please see identity report. i have consistently disputed fraudulent accounts taht are results from identity theft on my credit profile with all three credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Capital One-Credit Card applied for in my name on XX/XX/2022 XXXX XXXX- credit card applied for in my name XX/XX/2022 Has created hard inquiries and dropped my credit score I believe this is a former love interest utilizing my information and want to press charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX A Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX violated my rights! 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2022-07-09
Company: CrossCountry Mortgage LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Cross country Mortgage has stated I have not made payments in 4 months this is untrue I have made all payments during forbearance. I have also made payments over the amount they asked for They have reported that I owe more then I due and also add that I have outstanding amount of XXXX which is untrue when they had over XXXX XXXX dollars they report the mortgage is higher then what it it really is I called an asked for an itemized detail list of how the funds would be disbursed and have no repose I have never missed a month of the payments they reported I did I would like this fixed on my credit score I gave them all the payments and money and now am entering a new agreement with them and this happens

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I see on my credit report that Credit Control Corp of XXXX XXXX, VA has put false and inaccurate information on my credit report. I have received nothing in writing from them about this " debt '' and when I check with XXXX XXXX XXXX, they say that I have a {$0.00} balance due. 

I reached out to this company and they are refusing to remove this false information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 90 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XX/XX/2019 I bought and financed an auto, XXXX XXXX XXXX  from the dealership XXXX XXXX XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, Fl XXXX. At the same date I bought service protection for this auto. The purchase is financed through Honda Financial Services. I continue to pay interests on the total amount of the purchase including the service protection plans that were cancelled. 
In XXXX less than 60 days after the purchase I went to the XXXX XXXX XXXX and cancelled the following services as listed below : XXXX XXXX XXXX  contract cost : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX cost {$290.00} XXXX XXXX XXXX XXXX  cost {$470.00} I have the cancellation registration form for these services. I contacted the service providers and they confirmed that the coverages listed above had been cancelled in XXXX. I never received the credit for the total amount of {$1200.00}. 
I have tried to reach XXXX XXXX XXXX several times about this issue and the company never returned my calls. I contacted Honda Financial Services and the issue has not been solved. To this date I am still paying interest on the amount above and I have not received any credit for the cancellations of the protection plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My phone number is on a Do Not Call Registry and this company keep calling me every week about a debt belonging to someone else. 

The company name is XXXX XXXX, A Debt Collector. The number they left on my answering machine is 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 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
This 12 inquired I dont recognize report fraudulent run my credit 1 ) XXXX XXXX,, 2 ) XXXX, 3 ), XXXX XXXX XXXX XXXXXXXX XXXX, 4 ) XXXX XXXXXXXXXXXX XXXX, 5 ) XXXX 6 ) XXXX XXXX, 7 ) XXXX XXXX XXXXXXXX XXXX, 8 ) XXXX XXXX XXXX 9 ) XXXX, XXXX XXXX, 10 ) XXXX,, 11 ) XXXX XXXX XXXX 12 ) XXXX XXXXXXXX

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 2022-07-09
Company: EQUIFAX, INC.
State: OH
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 Account # XXXX, # XXXX, has violated my rights. 

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

15 U.S.C 1861 section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was approved for a total XXXX discharge on all of my student loans with the department of education/XXXX and all of my accounts are showing on my credit reports as balance {$0.00}. However, all of the loans are also showing account transferred or no information given. The loans in this state is showing as negatively on my reports because of being late and I was never late as I was issued the total XXXX discharge on XX/XX/2016. Before I was granted this discharge I was on a deferment with a payment of {$0.00} based on my XXXX income. I called every single credit bureau to ask them to remove these accounts because they are showing negatively and they are not valid and they have all been paid/discharged. I was told that I have to get the department of education XXXX to contact the credit bureau 's with the information that should be removed and I called the department of education and I was told that they submitted the updated information and it's up to the credit bureaus. I was advised by a representative of transunion to submit a claim to you because I can't dispute them anymore. Please help me to get the credit bureaus to remove these negative accounts from my credit reports.

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 2022-10-01
Company: JPMORGAN CHASE & CO.
State: NY
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 Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Village Capital & Investment LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan number # XXXX I'm writing you regarding my mortgage number # XXXX. I sent my monthly payment for XX/XX/XXXX through certified mail via USPS. I received the delivered receipt with a signature from a village capital employee showing the payment was received on XX/XX/XXXX. I have yet to see this payment reflected and credited to my account. We are three weeks into the month and nobody can give me an answer as to why this check has not been honored. Your company has requested that I email them the certified receipt showing the date and signature I have provided. After multiple calls attempted to resolve the issue, none of your employees can confirm receipt or provide an explanation as to why my payment isn't being honored or applied. This is now considered a billing error Under Federal Law due to Village Capital 's failure to credit my account properly. I'm now no longer responsible for the payment or required to pay until this gets resolved. You are also not to make or threaten to make an adverse report about my credit standing, or report for late payment. I am also not to be charged a " late fee '' for this payment. All in all, Village Capital now holds the liability for this payment. It is my suggestion that your company credits my account in full for the payment amount for the month of XX/XX/XXXX and you then conduct an internal investigation to figure out why this payment was not applied after proof of your receipt. I look forward to your response. 

Thanks, 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 2018-09-12
Company: I.Q. DATA INTERNATIONAL, INC.
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received an call yesterday from XXXX with IQ Data collection agency. He called from the phone # XXXX at XXXX XXXX. He advised that his supervisor 's name was XXXX XXXX. He said that he was calling about the balance that I owed my prior apartment complex and gave the amount due. No where is this call did he read the collection agency mini Miranda statement which is Sec 807 ( 11 ). So with that being said he already violated the law. He then went on to say that I need to pay this debt this month. I advised that I can make a payment but I'm unable to make the payment in full. He this says that this needs to be paid in full this month or they will move forward. I asked what did he mean by that and he says that they will put on my credit report. I said ok I will just make payments until it paid in full. XXXX says that will not help and I say why because if I'm paying that should bring it down. He said because we will move forward I said with what. He then demanded that this be paid in full by the end on the month are they will move forward. I said that you have not answered my question he said I don't need to answer your question. I asked to speak with his supervisor. XXXX XXXX gets on the phone and I explain to him like I did to XXXX that I want to pay the debit but I'm unable to pay in full I only make monthly payments. He then says that he can give me the address to make payment then turns around and say that I'm unable to make payments and that this is a property debt and if it not paid that they will mark the account and refusal to pay and they will move forward. He also stated that I need to get the money someone or get an loan and make payments to them. He also told me to get an lawyer. I asked why would I need a lawyer to pay an debt. He said that it because it a property debt and he not an lawyer and not able to give advise. I told him that it is illegal to threating someone over debt to be paid and I was going to report it and he said to go ahead. I never received a letter to validate the debt and they refuse to give me 30 days to pay the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation