BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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'm going to start from the very beginning again with this complaint. At the end of XX/XX/XXXX I submitted a complaint about Capital one to CFPB because of a secured credit card I applied for in XX/XX/XXXX, which was approved. I gave a deposit of {$250.00}, they took the deposit and never gave me a card. I communicated with them over the phone numerous times, nothing worked. Even when they promised me a card in the mail, they still didn't keep their word. Apparently, there was an issue of me identifying myself, which I tried to do numerous times using their useless link that never worked. They never cared to resolve the matter another way anyway. They also kept my deposit and never tried to reach out to help me resolve the issue. I guess it's just easier for them to keep money that isn't theirs than to actually give good customer service. Fast forward, I realized they will never send me a card so I made this complaint and they sent me a letter denying all the important things I stated in my first complaint because and I quote " we were unable to find any calls where you were provided the information you submitted in your complaint. '' Understand that my credit is fairly unused and inaccessible even to me. Reason why I even bothered applying for a credit card with them, to establish my credit.Very recently, I accessed my credit history and found out there was a fraudulent Capital One credit card opened in my name almost a year ago, XXXX of XXXX. How Capital One was able to get ID verification for that fake account, I do not know. I wasn't able to get a credit card with them but somehow a fraudulent one was so easily approved by them. Everything is so suspicious about that account that I'm starting to think this is an internal issue within Capital One. Like how the balance on the card is more than double the limit and the past due is {$0.00} while the unpaid balance is {$610.00}. Like how the account has been paid since XXXX of XXXX, maybe for XXXX but XXXX, XXXX and even XXXX of XXXX were not paid but it shows as up to date and paid, so suspicious. I briefly mentioned the fraudulent account in my first complaint in a file that I sent them, although looks like they didn't even look at any of the picture proof I sent. I screenshot everything so they see the proof, which I will do a second time for this new complaint. Hopefully they bother to even look at them because I'm going to fight to get this fake card removed off my credit as it is completely unfair that Capital One can so easily approve fraud accounts but not real ones when the real owner request it. If any additional information is needed of me, let me know so I can send them by email. I started reporting everything and will continue to do so. I want a {$250.00} refund and the fake account in my name to be closed by Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: NAVY FEDERAL CREDIT UNION
State: NC
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 have been trying to get inaccurate accounts, inaccurate information i.e. addresses or job information, and hard inquiries removed from my credit report. There have been accounts opened and inquiries placed without my permission and/or verification and I have been trying to dispute them, but I have not been successful with my attempts. I have explained to them that it is fraud and I have sent many letters on my behalf. the credit companies continue to insist that these accounts are mine. They call and harass me all day long even on weekends. It is important to realize that fraud and scamming are at an all time high so it is important that you help people fight against it instead of dismissing them as an attempt to gain money at any cost. I set a fraud alert on my credit report and someone people have still been able to put inquiries on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
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:
I have unknown accounts beiing reported on my credit report. Please refer to attachments for details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
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: Reporting company used your report improperly

Complaint:
My name is 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 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 2022-07-23
Company: Experian Information Solutions Inc.
State: DE
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 went a dealer to get a car and they told me they were only running my credit for one lender which was XXXX. They lied and now I have unauthorized inquiries on my report. Tried to file a dispute through Experian, XXXX, and XXXX and was unsuccessful. The system would not take the dispute and even when I called them they stated that the inquiries would be removed between 24 -72 hours. Nothing happened. Also In accordance with the Fair Credit Reporting act. The List of companies below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Experian : 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 Financial Consumer Rights being violated : 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 an 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 2019-06-26
Company: HW Holding, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They dont answer my call. They dont call me back. This debt has already been paid back 100 % but it still shows on my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Hello - The company servicing my mortgage ( collecting payments ), Select Portfolio Servicing ( SPS ), owes me over {$11000.00} due to significantly overcharging me in insurance costs ( they even stated this in writing to me - that they overcharged me by this huge amount. However, every time I call them, they keep saying the check is coming. They have been saying this since XXXX. It is now XXXX. You can see many other consumers have the same complaint, as well as many other complaints of fraud, with a quick XXXX search ( eg on XXXX, XXXX, etc ). 

I have attached the only relevant document here- in which they explicitly state they owe me over {$11000.00} due to overcharging me, yet they continue to fail to pay me this money I am owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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: Reporting company used your report improperly

Complaint:
I have asked flagship to remove this off my credit, I did not give written consent for this loan to be reported, late payments has been reported inaccurate. This has cause several denials for other things Im trying to purchase. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX 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 Please remove this account from my credit file.

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 2018-02-23
Company: North American Asset Services, LLC
State: WV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XX/XX/2017 Did a hard inquiry on my report and said I told them it was fine, I was shopping around for a lower rate but didnt talk to anyone or meet, said I would get up to 3 free offers and when I clicked on them they han it and didnt think they would do that. Talked to them and said well you did and we wont remove it.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: IL
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 received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2023-12-08
Company: TransferWise Ltd
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello I opened my wise online back account and have been using it since a year, i am a freelancer and i am receiving money on that account number XXXX. 
and its a checking account. 

on the XXXX of XX/XX/2023 i tried to log in to my Wise XXXX bank and they showed a message that we closed your account with out any explanation. 

I don't mind if they close the account if they wish but I need my funds as soon as possible to be transferred to the bank account that I gave them its info. 

please help to solve this issue ASAP. 

Account holder : XXXX XXXX XXXX XXXX and XXXX routing number : XXXX Account number : XXXX Account type : Checking Wise 's address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX United States Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX - my account was closed due to a deposit account agreement I called and ask what I needed to re open my account .they ask for documents like my id and social security number I provided them With it. 

XX/XX/XXXX - I called again to see if they had received the documents they said they did and still received the same email that my account was closed, so again I provided them with the documents was told to wait 24 hours for my account to be resolved. 

XX/XX/XXXX- waited the 24 hours to call again, and again was told that my account was being looked at and that it will be resolved in 24 hours. 

XX/XX/XXXX -I call again to see if anything was resolved they would tell me that they have to send my account was sent to other crew member to get resolved and again was told that they had everything to get it re opened.

Now theyre telling me that I have to wait for 30 days until I get my money back my concern is that in that account I have all my money now Im sitting with XXXX  kids and no access to my own money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: LendingPoint Holdings LLC
State: MO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I called in and asked if I could make principal payments and was told yes, started making extra payments and notice all of my payments were being applied to interest and not principal. When I asked for the reason today, I was then told the only way to pay principal is to call on the same day as the actual payment and tell them to apply them the extra amount to the principal. I incur interest each day and they do not allow me to make payments to principal only.

Company response to consumer: In progress
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT XXXX  and I included it again. Kindly correct the following items 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 2023-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I am writing to report a severe breach of security and unauthorized activity on my checking account with Capital One. on XX/XX/XXXX, I discovered that the entirety of my funds, amounting to {$1500.00}, had been illicitly accessed and spent without my consent. 

This incident has left me in a precarious financial situation, causing significant distress and inconvenience. I promptly contacted Capital One to report the issue and have taken the necessary steps to secure my account further, but nothing has been done nor solved as of now. However, the urgency of this matter requires additional attention and investigation to rectify the situation promptly. 

I request a thorough inquiry into this security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Credit reporting 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 Navy Federal Account ending in XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 64 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$23000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've recently reached out to XXXX XXXX, and Transunion in regards to information being reported by the bureaus and asked of them to validate the information and provide me with results and an updated report showing any unverified accounts removed. I have not received any information. I have been waiting since XXXX. My profiles with these bureaus are still showing multiple inaccuracies and I've sent multiple letters. This has been affecting my credit worthiness and I'm not able to obtain new credit in results of this.

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