BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Also Known As : XXXX XXXX, Also Known As : XXXX XXXX, Former : XXXX XXXX XXXX, Former : XXXX XXXX, Previous Address : XXXX XXXX XXXX XXXX MI XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Monday XX/XX/XXXX morning, I discovered through Capital One email that there were a series of fraudulent ATM withdrawals totaling {$2100.00} using my ATM debit card. 

After calling Capital One to report the fraudulent activity, I discovered that the suspect had intercepted and used a card that was shipped to my residence address. The suspect activated this renewed debit card using my identity, reset the PIN number, and withdrew the funds from my checking account. 

The claim number is XXXX I immediately reported the 6 withdrawals and 2 fraudulent check deposit all as fraudulent activity.  On Friday XX/XX/XXXX, an investigator from Capital One called me at XXXX XXXX. He soon decided that I had an " involvement '' in this, based on the assumption that I disclosed the PIN number of the ATM debit card to this suspect. I strongly denied this, but the investigator proceeded to tell me that my claims will be denied, my funds will not be covered, and Capital One will proceed to terminate the service relationship with me. I lost all online access to Capital One banking soon after. 

On XX/XX/XXXX Sunday, after I visited local police precinct, I was told to ask for an affidavit from the bank. I called Capital One to ask for an affidavit of this event. 

On XX/XX/XXXX, I called Capital One again, and I was told that the dispute is closed ( from here, I took a written notes of Capital One 's agent 's description, and I quote verbatim ). I was told that " the case  was elevated, but was denied and there is no longer further recourse ''. 

On XX/XX/XXXX, I filed FTC Identity Theft Report, describing the incident and my personal financial loss, all truthfully under penalty of perjury. 

On XX/XX/XXXX, I received a physical letter from Capital One, stating that they deny my claim. The only reason stated on this letter was stated, " We finished looking into your claim and didn't find that an error happened ''. 

OnXX/XX/XXXX, I went to local police precinct again. I showed my FTC report as well a 
s Capital One 's denial of claim letter. Again I was told that they can not accept my case because Capital One didn't find any crime had occurred. I am at total loss because Capital One would not cover my la
rge financial loss, at the same time my local police would not start any investigation into this identity theft crime. It is incredibly frustrating that despite all the time and location of the fraudulent ATM transactions recorded, none of the parties involved would look into this case, and I am left with a large damaging financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been on the IBR program for about 5 years. In the beginning I was recieving my paperwork to recertify.,, Then it stopped. I was getting letters to recertify online. I do not do anything online at all and I never signed anything requiring me to do so. When I called AES, I was told that the government does not allow them to send the paperwork automatically anymore. I asked that my paperwork be sent out. Never received, had to call back. This was last year. I advised them to send my paperwork on time and I do not do anything online. They put me into forebearance and added {$7200.00} in interest to my principal balance. They did the same nonsense again this year only they billed me for the interest before the paperwork was even due. Once again I had to call back again to get the paperwork which took 18 days to receive. They are intentionally delaying the processing of my recertification so that they can bill the interest. I am going to dispute the loans and I dont believe these actions to be legal. It is my right to not have to be forced to put my information online at all. Also the school certified me for a degree that I can not even use. I will not pay anything for these student loans and I want them discharged immediately. I will not be a victim to crooked loan collection practices and anyone who is handling these matters should actually do something about it. Tired of a government that pretends to work for their people and glad we have a real President now so fix it. Im sure im not the only one complaining about this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: MA
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:
On XX/XX/XXXX, Equifax announced that it had discovered a cyber security breach had occurred earlier that year, exposing over XXXX XXXX users ' data to hackers. 

On Friday, XX/XX/XXXX, I learned of a class action lawsuit that would entitle those whose data had been stolen to receive just compensation from Equifax, whose lax and careless security practices failed to protect the precious data entrusted to it. 

I filed the claim for compensation as directed on this website : https : //www.equifaxbreachsettlement.com/file-a-claim Then, today ( XX/XX/XXXX ) I learned that the response to the class action filing process has been, as they said, " overwhelming, '' and that only {$31.00} XXXX of the already-paltry {$420.00} XXXX settlement had been allotted to payouts to those affected by the breach. So instead of receiving up to {$120.00} in compensation, the total cash payout divided equally across all claimants will be minuscule. If they had to pay the full {$120.00} per affected individual, it would cost roughly {>= $1,000,000} https : //www.ftc.gov/enforcement/cases-proceedings/refunds/equifax-data-breach-settlement The alternative being offered is for Equifax to offer years of free credit reporting, which is fine, but hardly a way to punish a massive company for their depraved disregard for customer privacy. 

How will we keep these credit bureaus honest if the only penalties they incur for incompetence and indifference is so small as to be a veritable slap on the wrist? They'll just see it as the cost of doing business, and will continue to be criminally negligent actors in the finance space. 

As your admirable stated mission is to " write and enforce rules that keep banks and other financial companies operating fairly, '' I think the CFPB should be alarmed and appalled by this turn of events. Equifax is essentially paying no price for their negligence, and they are shifting the burden of dealing with the consequences of the data breach onto the victims. 

As citizens in 21st century America, affected consumers have little choice but to participate in the credit bureaus ' game, but the power is ludicrously unequally distributed. Agencies like the CFPB are one of the few levers by which ordinary citizens can apply pressure to these huge power brokers. 

I would like to see the CFPB take whatever actions are possible to ensure that Equifax and other credit bureaus are forced to protect the consumer data with which they are entrusted, now and in the future. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: National Credit Systems,Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report yesterday, l saw a collection on my report. Collector named National credit systems lnc. Its {$98.00} which l dont owe. I dont have any agreement with them. Its basically fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: FC HoldCo LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2017, I received a message on XXXX XXXX from an acquaintance that I really do n't know. She explained that a XXXX XXXX contacted her on XXXX and noticed that we were friends. My friend and XXXX XXXX used to work together. XXXX is an agent at XXXX XXXX XXXX. She sent my friend a message stating : " Hey girl, sorry to bother you but you are friends with one of my potential charge off at XXXX XXXX XXXX XXXX XXXX XXXX ... can you get her a message to call me XXXX tell her i will help her ... if you do n't mind..Thanks girl '' She has also attempted to friend me on XXXX under an assumed name, XXXX XXXX, with explicit pictures. The background photo matches the photo on her real XXXX page which is how I know now that it is her. ( I did n't know a " XXXX XXXX '' so I did n't accept the friend request. ) She is stalking me and I have no idea how many other friends she has contacted sharing my personal information. I feel very threatened! I manage a XXXX XXXXr and any agent who compromised XXXX  compliance would be terminated immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have filed numerous online disputes with each of the three ( 3 ) Creditor Reporting Agencies ( CRA ) in an attempt to correct errors, inaccuracies and/or incomplete information for my individual credit report issued by each of the CRAs. I have also contacted and communicated with each creditor identified herein in an attempt to resolve the noted issues. 

I have attached a 3-bureau credit report dated XXXX/XXXX/XXXX issued by myFICO.com for reference. Due to the breadth of my issues, I will identify the credit account via reference to the corresponding page number on said report. I will further indicate which CRA I feel is reporting incorrect, inaccurate and/or incomplete information for each identified item. Also attached are four ( 4 ) Advisory Opinions issued by the FTC that i feel are applicable to the items addressed below. 

On page 3, I have a list of five ( 5 ) negative accounts. Two ( 2 ) of those accounts ( Syncb/Amazon XXXX and XXXX XXXX ) had a {$0.00} balance and were always paid by the statement due date while they were open. As outlined in the FTC 's " XXXX XXXX to XXXX ( XXXX ) '', it is the FTC 's view that " it is not a reasonable procedure to label an account that has been XXXX in bankruptcy as 'charged off as bad debt ' if the account was open and not charged off when the consumer filed bankruptcy. The FTC goes on to state " such a designation would be inaccurate or misleading, because it would indicate that the creditor had written off the account at the time of the bankruptcy when in fact it had not done so. '' This is certainly the case with the aforementioned accounts as there was no balance due on either account at the time of filing the Chapter XXXX bankruptcy so, as a result, there was no corresponding amount for the referenced creditors to right off. 

A third account identified as a negative account and charged off includes the XXXX credit card that was a joint account. Although there was a balance due on this account at the time I filed bankruptcy, monthly payments continued to be made by the statement cut-off date both before and following discharge. The account is current as of XXXX/XXXX/XXXX and is absent any late payment during its lifetime. Just in the above referenced cases, the creditor in this case did not write-off the account at the time of bankruptcy and, consequently, the creditor 's reference to the account payment status being anything other than paid/paying as agreed is inaccurate, thereby rendering reference to the account as charged-off incorrect and 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 2017-05-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
My last apartment i rented the slum lord lied i neber even gpt evicted but its on my rental history report. Want to dispute it and get my record cleared

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 2019-08-17
Company: WLCC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan on XX/XX/XXXX for {$750.00} I made 24 installments every 2 weeks totaling {$4400.00}. I have since found out the max interest rate allowed in nj is 30 % and they were charge about 700 % and they are not licensed in nj. When I contacted them on XX/XX/XXXX they would not refund the amount I have over paid in interest. I am seeking to get a refund in the amount I have over paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This complaint is in reference to my first complaint # XXXX and Bank of America 's lack of response. I filed the complaint to get a letter asking for more time. Since then I have heard nothing. I would like to have a response.

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 2020-02-12
Company: BMW Financial Services NA, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
My deceased husband leased a car I made payments when the lease was up after dealing with XXXX Bmw over 20yrs I decided to buy the car. I left without the car. I sent an email to the manager that I had second thoughts I wanted out. I get to the dealership and the salesman says its to late I said well i was turned down for credit. My credit was highjacked. They didnt care not their problem. I called Bmw headquarters they put in a complaint and told me to try and deal with the dealership. I tried they would not return my phone call, the customer service was nasty with me finance would not call me back. They sold me a car for XXXX that I can only sell for XXXX. I can not be bullied into this car. Then after all these company 's turned me down, then Bmw financed the car they have destroyed my credit even further. 
I can not afford the car but I can not afford to have it repossessed because they will put a lien on me for the balance the car has XXXX, XXXXXXXX XXXX   its a XXXX. I need help thank you XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account in collections with Capital One with was sold to XXXX XXXX ... I have since paid XXXX XXXX the debt almost 1 year about and last XXXX XXXX Funding has now been placed on my credit report to try and collect for this debit yet again. I have tried several attempts to have them removed by calling them, sending them letters and also contacting the credit report agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: The Thomas Agency, Inc.
State: ME
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:
XXXX / XXXX / XXXX  ... the  Thomas  agency  XXXX    XXXX   XXXX    XXXX / XXXX / XXXX  ... the  Thomas  agency.  XXXX    XXXX   XXXX   XXXX    XXXX / XXXX / XXXX  ...  XXXX  the Thomas agency.  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  the Thomas agency.  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX / XXXX / XXXX  ...  XXXX  the Thomas agency.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  ...  XXXX  the  Thomas  agency.  XXXX   XXXX   XXXX   XXXX  I contacted all creditors with my Medical Insurance information, for them to correct their billing and reporting error, also reported thus information to The  Thomas Agency, all said it would be corrected and removed, due to billings clerical err ors in not billing my insurance, for I 've never been without medical insurance. This is still on and hurting my credit so I can not improve my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
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: Investigation took more than 30 days

Complaint:
on XXXX I sent in a dispute letter demanding deletions from inaccurate information and accounts that are furnished on my credit report. It has been over 45 days and I have not heard anything back. I feel like my issue is not being taken serious. I am also a victim of the XXXX  data breach. I have contacted XXXX, XXXX, and Experian. All 3 bureaus are in violation the FCRA 1681B I DID NOT GIVE WRITTEN CONSENT FOR ANY OF THE ACCOUNTS IN DISPUTE TO BE FURNISHED.

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 2018-02-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
personal information incorrect and inquiries on my report that I don't recognize

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 2018-04-09
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
my XXXX elderly mom XXXX XXXX name was forge to a loan at XXXX XXXX that wells fargo own bank. before she XXXX she has been complaining about her loan was paid in full .no one reached out from wells fargo to see could fraud has happened to this elderly retired woman who is XXXX .she been writing back in forth. i found one of the response from wells fargo dated XX/XX/XXXX. i own the property now. im trying to see what happened on XX/XX/XXXX. still complaining about signatures on original loan. XXXX have been complaining before tens years about this loan. i need a copy of settlement statements, copy of check front and back of cashed if cashed was given. signature would be on back of check.proof of mortgage applications proof of income that was used to get mortgage .a copy of all pages of mortgage closing from title .wells fargo i need proof before i do any loan modifications. im entitled to know and have paperwork on what is owed and where is the payoff later from previous lender. why did the loan number change and when. the loan was not changed until after XX/XX/XXXX or when? im looking at papers from XX/XX/XXXX it was the same and now the loan number is XXXX what was the balance before you changed the loan number? provide me with paperwork on the change. why did you change it where is the paperwork from XX/XX/XXXX that XXXX XXXX XXXX gave you when you took this loan over how much was owed how many payments was made? .i need the paperwork showing what the loan was when you first got it to now. i need payment history from beginning to present .how much was owed when you changed the loan number explanation please with supporting documents. i need again every page of loan closing documents check signature on cashed check for the cash back received i have a write to read and investigate everything before i sign my name to pay any loans my mother had,. before i pay any money out or any loan modifications. waiting on paperwork .names of people that was present at closing .name and address of title company. what qyalified XXXX for XXXX loan with social security and penison unbelivable i also need payoff later from previous bank when XXXX supposedly had refinanced on XX/XX/XXXX. i need help. 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 2022-02-11
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX XXXX Experian XXXX XXXX XXXX inaccurate information in my credit report and they are not complying with their own policies in a timely manner.

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