BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi my name is XXXX XXXX and my phone number is XXXX. I have recently received a robocall from someone named Maryland that claims she is affiliated with Capital One Bank, and was trying to contact me in regards of my checking account. I received the voicemail on XX/XX/2020 at XXXX XXXX pacific time. I dont even have an Bank account with Capital One. I think that this is a Scam Artist trying to get access to my personal information. I hope that someone can investigate this matter to prevent possible bank fraud and or ponzi scheme or some other type of money laundering. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Experian Information Solutions Inc.
State: FL
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:
This is my complain to XXXX XXXX XXXX. 
In my complain # XXXX you have told me that hard inquiry placed in my credit report was by XXXX XXXX XXXX XXXX. I recived a response from that company " XX/XX/2021 Consumer Financial Protection Bureau RE : Complaint No. XXXX | XXXX XXXX To Whom It May Concern, XXXX XXXX XXXX XXXX, dba XXXX XXXX XXXX XXXXXX/XX/XXXX) is responding to the complaint filed by XXXX XXXX XXXX Prospective Borrower ). We have completed an internal record search and found no record that Mr. XXXX credit had ever been pulled. If MrXXXX XXXX can provide further information or documentation supporting New American Funding having pulled his credit, we encourage him to contact our Corporate Customer Service Team directly at XXXX, ext. XXXX for further assistance. Respectfully, Customer Service Management New American Funding

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Sequium Asset Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Invalid debt, but kept threatening to hit my credit if I didn't pay, I paid them and they reassured it wouldn't hurt my credit or impact would be minimal. Completely destroyed an 800+ credit score down to XXXX and is causing an undue burden on my growing family as we are now unable to buy a home. 

I have 15 years of absolutely perfect credit history and this one inaccurate and misleading blemish is detrimental. 

Please help in removing this from my credit history ASAP. 

Thanks, 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 2020-11-15
Company: EQUIFAX, INC.
State: DE
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 purchased XXXX through XXXX XXXX  company paid them off after the sell of my house and is still reflecting an open account which day refused to take off my credit report as a delinquent which they have already been paid off in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
State: GA
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 2017, Equifax announced a data breach that exposed the personal information of XXXX XXXX people. I recently found out about this from the FTC site. 

I visited the Equifax site that is dealing with the breach and inserted my information to see if I was affected in the breach. 

Based on the information I provided, their records indicated that my personal information was impacted by the incident. 

The settlement includes up to {$420.00} XXXX to help people affected by the data breach. 

Knowing this, as a affected consumer, I mailed in an affidavit with an demanding compensation of {$20000.00} for actual damages sustained by me as a result of Equifax willful negligent noncompliance pursuant to 15 USC 1681 ( o ) ( a ). 

They have not responded to dispute any facts in my affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was unknowingly enrolled into paperless statements when my loan was processed. When I had to take time off of college due to an error done to my financial aid I was not notified that I had to start making payments to my loan. I only realized i had to make a payment when I saw my credit score go down 150 points, once I contacted the lender they it was up to me to know when I was supposed to make a payment although I was unknowingly enrolled into paperless statements. I asked if I made the payments if they were able to remove the late payments from my credit report because it was a miss understanding not an unwillingness. And I have not an any missed payments since than.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Experian Information Solutions Inc.
State: IL
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:
Credit bureaus continue to illegally report inaccurately/fraudulently on my credit reports which violates my rights as a consumer under the FCRA which states all bureaus must report the same accurate information. They continue to give me a hard time disputing the information.

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 2018-04-09
Company: AMERICAN EXPRESS COMPANY
State: TN
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:
My ex opened several credit cards and bank accounts in my name without my permission. American express being one of them. I had filed a previous claim and XXXX  took action on a card not reflected in my complaint. They took action on a card ending in XXXX. The complaint was filed on card number found in the ftc complaint attached here and the prior complaint. My ex used many of my bank accounts that he had hacked into to pay these fraudulently opened cards. XXXX  being the primary one, which I have also filed a complaint on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My car loan was from XXXX with Capital One. I paid off my car loan in XXXX. However I must have not paid off the full amount ( I have never been provided with proof that they sent out letters to inform me the payoff amount was wrong ). If I had been sent a bill, I would have paid it off. My car was never repossessed. The car was totaled in XX/XX/XXXX. The insurance company, XXXX, informed me Capital One was claiming I owed money from XXXX. I contacted them in XX/XX/XXXX but was denied any verification that they sent out a request for payment. The representative said they do not keep records that far back. The amount was for XXXX and XXXX paid that amount on XX/XX/XXXX. I was told by the department supervisor as soon as the payment was made they would release the title. I feel I should not have to make a payment for an bill they can not produce but did not want to tie the insurance company trying to deal with another company. I called today, XX/XX/XXXX to see where the title was. I was then told that they do not keep records for longer than seven years and no longer have the title. I asked to speak to a supervisor and sent over to the presidents office for capital one. I spoke with XXXX ID # XXXX and she then lied to me and said the title was mailed to me in Arizona in XX/XX/XXXX. I did not live in AZ and they should not have an address for AZ and why did the supervisor tell me they could not send out the title in XX/XX/XXXX until the payment was made. XXXX then said she would research and try to get to the bottom of the account. I need the title. Capital One should not take money from an insurance claim on a loan that is almost XXXX years old. They also can not provide documentation on what the payment is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Synovus Bank
State: MI
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:
Ive been dealing with an ongoing issue involving discrepancies on my credit reports. I have a closed out account due to a unauthorized credit card. I have never applied for an account with this company nor have I given anyone consent on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There was a fraud transaction on my Wells Fargo Credit Card on XX/XX/2021. My Card was used to make an unauthorized purchase of {$2000.00} at XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I received the fraud alert from Wells Fargo on phone. Immediately I freeze my credit card and requested a new credit card. I opened a fraud claim with Wells Fargo for the same. Later wells Fargo posted this transaction to my statement and denied the claim. 
I submitted re-consideration and submitted following documents to the bank through FAX and also documents were sent to them to their po box Number : Copy of Police Report Copy of Text Message Fraud Alert Copy of Fraud reported to Credit Bureau Text message alerts from other bank where fraud happened at same time To my surprise reconsideration was also denied without providing explanation.

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 monetary relief
Consumer complaint received 2021-04-01
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: Account status incorrect

Complaint:
Equifax and XX/XX/XXXX should not be reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Io, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I asked for validation of this debt. the company told me to call another entity to receive the the information I sought. I wanted a copy of the original contract with my wet ink signature. XXXX XXXX and XXXX stated they couldn't provide these documents. I want a investigation done immediately. if i can not receive physical validation of the claim i want this deleted off my report. the date of the claim is XX/XX/19 the amount is {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Experian Information Solutions Inc.
State: GA
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:
There was not investigation for the dispute just a standard response : Reference XXXX I do not recognize these inquirers on my credit report and requested the Experian to remove them as I did not give these companies permission to pull my credit report. I really don't know who these companies are : XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX EXPERIAN BUSINESS CRED   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX When I dispute them with Experian and XXXX  the response is automated stating the information is verified and never investigated. Please remove ASAP.

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 2021-01-20
Company: Roseberry Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I Borrow {$500.00} Paid Off Then {$2100.00} Which Was12 Payments For {$120.00} So XXXX XXXX XXXXAnd The Other On White Truck Come Over And Went From {$470.00} Too {$650.00} And Said XXXX XXXX Might Could Buy It My Neighbors And I Don't Hang Around Them Then They Left

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted XXXX, Equifax, and XXXX  about 3 months ago asking them to remove his inaccurate information from my report. 

The following personal information is incorrect. Please remove this inaccurate information from my credit report. 
1. The following personal information is incorrect XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The following personal information is incorrect XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The following personal information is incorrect XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The following personal information is incorrect XXXX XXXX of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The following personal information is incorrect XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The following personal information is incorrect XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

7. The following personal information is incorrect XXXX XXXX of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The following personal information is incorrect XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: WELLS FARGO & COMPANY
State: MD
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 sent Wells Fargo a goodwill letter to ask to have account removed from three credit reporting agencies in XXXX, XXXX & XXXX of 2020. The account is paid and closed 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 2018-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Capital one was suppose to close my account down in XXXX. It has now been 6 months and the account is still open but on hold and no funds can be taken from the account. I have been reaching out to capital one every month about this and no one ever returns my call to assist me and they are just racking up interest on the balance. I have tried numerous time to resolve this and Capital One has done absolutely nothing to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
Informed Equifax that the XXXX XXXX from XX/XX/XXXX was an error. I bought a couch on XXXX. As I was checking out there as a link to their Credit Card. I simply clicked on it to see what the interest rate would be and then I went back to completing my purchase with my XXXX account. I contacted Equifax and they suggested I call the creditor. I contacted XXXX XXXX  and they did their own investigation. They sent me a letter on XX/XX/XXXX that they would contact the credit bureaus to request the item be removed from my reports. XXXX has removed the inquiry but Equifax has not. I have contacted them numerous times and sent them a copy of the letter but they have done nothing. My first " case '' was closed without resolution so I started a new one. I went through all the same motions and was contacted by the second " customer care '' representative XX/XX/XXXX. She has asked me to give her the details of my complaint.I haven't heard a word since. It's extremely frustrating and I'd love for you to help me get this rectified once and for all. Thanks very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the year of XX/XX/XXXX I, XXXX XXXX XXXX gave permission XXXX XXXX XXXX XXXX by phone with XXXX XXXX XXXX to apply my name as a co-signer to his purchase of a XXXX XXXX XXXX  for {$6000.00}. I did not receive any paperwork regarding his purchase. Without my knowledge in the year of XXXX XXXX XXXX XXXX   aloud XXXX XXXX XXXX to trade the car in for a XXXX XXXX XXXX  without my consent. The XXXX XXXX XXXX XXXX   did not reach out to me by phone, letter, or email to inform me that this change was being made and or get my consent to apply my name to the purchase of {$32000.00}. When I found out about this new loan it was three months after the loan was finalized, it was brought to my knowledge when I received the late notice of his payment. After discovering this new loan, I contacted XXXX XXXX XXXX XXXX  and asked them why they would place my name on a new loan without my consent or signature. The XXXX XXXX XXXX XXXX representative confirmed that this was not supposed to take place but also informed me that they would not be taking my name off of the loan. XXXX XXXX XXXX XXXX  stated it would be my responsibility to get him to refinance the loan in his name only. Then in the year XX/XX/XXXX, the XXXX XXXX XXXX XXXX  aloud XXXX XXXX XXXX  to traded the XXXX XXXX XXXX in for a XXXX XXXX XXXX XXXX. Once again my name was applied to this vehicle loan without my consent. I notified XXXX XXXX XXXX XXXX and closed out all my accounts dealing with them. For the last year, XXXX XXXX XXXX XXXX has refused to give me any information about the account or why they are still trying to collect {$27000.00} from me after the XXXX XXXX XXXX XXXX   was wrecked and most of the loan was paid off. They have turned this account ending in XXXX over to a collection agency and no one will talk to me about it, or tell me if he received any credit for the XXXX XXXX XXXX  that was turned in due to XXXX XXXX XXXX   's lack of ability to make the payments for the vehicle, nor, for the XXXX XXXX XXXX  that was wrecked. The Insurance company was supposed to pay most of this vehicle loan off for once the XXXX XXXX XXXX  was wrecked. Could someone look into this and find out is this legal because I feel like I am being held XXXX by this situation being on my credit report. This item should be taken out of my name and off of my credit report leaving only XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to be liable for these loans. I do believe XXXX XXXX XXXX XXXX owes me because everything I have bought on credit since the year of XX/XX/XXXX, I have had to pay more for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
account not insured per obligation of the signatures card

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 2020-11-16
Company: Security National Financial Corp
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Paid off mortgage with SecurityNational Mortgage Company on XX/XX/20 and still have not received our escrow overage balance of {$770.00}. Called customer service over 20 times to resolve this issue but not getting anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: EQUIFAX, INC.
State: MO
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 tried to fix this problem but have had no help! they refuse to provide and fix incorrect information.

Company response to consumer: Closed with explanation