BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I AM A NATURAL PERSON, in FACT CONSUMER, Im a native of this lane, THIS COMPANY IS COMMITTING FRAUDXXXX DOES NOT HAVE MY PERMISSION TO USE MY INFORMATION, I HAVE SENT SEVERAL CEASE & DESIST, I AM FILLING A COMPLAINT IN SMALL CLAIMS COURT XXXX IS VIOLATING THE FAIR CREDIT REPORTING ACT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: ALLY FINANCIAL INC.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I being XXXX American was given a high interest rate on a new vehicle by Ally Bank which I read in a consumer report is predicted toward XXXX Americans and XXXX. I was pressured into false sales tactic dealer Im unable due to COVID-19 to make high payments on my car I purchased from XXXX XXXX dealer I had a trade-in and still had high interest rate with good credit score of XXXX Im feel Im being targeted please help me resolve this matter. Thanks

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 2019-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
3 different loans. Two of them are capital one credit cards and the other is a student loan. 

Capital One Bank Usa Na 5 missed payments XXXX : XXXX, XXXX, XXXX, and XX/XX/XXXX : XXXX Capital One Bank Usa Na 4 missed payments XXXX : XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX 3 missed payments XXXX : XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: DE
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:
sent investigation request on XX/XX/21 was not notified of investigation results. Account are not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My old landlord, who I stopped renting from in XXXX, claimed I owed them over {$4000.00} in damages. We legally disputed the charges and went to civil court. They failed to show, so the judge ruled in my favor and dismissed the debt. Then, back in XXXX, the amount of the damages appeared as an unresolved debt on my credit score with TransUnion and XXXX. The development company I had rented from sent the debt to collections illegally, as they never attempted to reopen the case in court. I have reported this to both credit agencies several times and sent TransUnion a letter from my lawyer stating that the debt is resolved. The account still shows open on my credit report. Additionally, on XX/XX/XXXX, TransUnion tried to make a {$25.00} payment on said debt without my authorization.

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 2020-12-01
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently obtained copies of my credit report and noticed inaccurate account reporting. An alleged debt is being furnished on my credit report which is a violation of 15 USC 1692 b ( 2 ), because it being furnished would mean that I owe the alleged debt but you are not authorized to claim I owe anything and this reporting on my credit report, this is also advertising to coerce payment which is illegal.

In addition, banks can not loan money or extend credit 15 USC 1692a, banks are borrowers and I am the original creditor. 15 USC 1602, defines the term " Credit card '' which means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property.

I am the original creditor, 15 USC 1692 a ( 3 ) and am invoking my cease and desist rights, according to the Fair Debt Practices Act, 15 USC 1692a, there is no definition for the term '' loan ''. Also banks can not lend money, nor extend credit. A bank has no power to lend its credit to any person or corporation " Bowen v Needles Nat Bank, 94 F 925, 36 CCA 553, certiorari denied in 20, Ct 1024, 176 US 682,44 LED 637.

I am requesting Wayfair Inc to cease and desist all communications, payment be submitted to me for all violations per 15 USC 1692 k listed in the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I ordered some boots with my debit card American Express Bluebird on a website that stated it was located in Utah. I got an email from a XXXX company stating that the boots had been sent but I never received them. I got online and traced the tracking number they gave me and it stated that the boots had been sent to XXXX. I live in XXXX. I contacted the seller several times but they did not respond. The website that sold the boots was taken down. It no longer existed. I contacted AMX Bluebird explaining all this to them. They contacted the seller and gave me the tracking number. I went down to the local post office with the tracking number and the post office said that the boots had been sent to another address in XXXX. It was sent to the wrong address. I contacted the seller again and there was no response. I contacted Bluebird and they said that my dispute had been declined because the seller sent the boots. Yet I did not get the boots because they sent them to the wrong address. I was defrauded of my money since the website was taken down, I did not receive my boots and Bluebird did not refund my money. I wrote to the company in XXXX and this is what I wrote : XXXX My name is XXXX XXXX and the item I ordered was for XXXX XXXX to be shipped to my address at XXXX XXXX XXXX # XXXX, XXXX, CA XXXX did not receive my order from XXXX Transaction ID : XXXX Transaction Date : XX/XX/2021 Transaction amount : XXXX You sent me an email with tracking XXXX I went down to the local post office in XXXX California where I XXXX XXXX They tracked the tracking number to someone else 's address XXXX XXXX XXXX XXXX, CA. My address is XXXX XXXX XXXX # XXXX XXXX CA XXXX. They sent it to the wrong address instead of the one I gave them. I am continuing my dispute because I never received the item. 
I paid as a guest through XXXX. I tried to contact the seller by email but they didn't reply. 
Included is a copy of the email you sent. 
Regarding the transaction below : Seller 's Name : Seller 's Email : XXXX Transaction ID : XXXX Transaction Date : XX/XX/2021 XXXX PST Transaction Amount : {$63.00} USD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Self Financial Inc.
State: MA
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:
This is really upsetting. My scores went down bigtime due to this inaccurate late report. If you will take a look at the report only 1 agency is reporting this as late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hello my name is XXXX XXXX I am XXXX years old right after I graduated high school I went to live on campus in college but unfortunately it didnt go so well because later I found out my ex roommate was using my name and my personal information under a lot of fake accounts which she is currently in jail because of her actions and facing years in jail for fraud I even have my police report Its been years since I contacted all the debt collection to let them know that it wasnt me my parents even hired someone to help me fix my credit I wasnt even XXXX years old by that time they told me they were going to fix everything but recently I was trying to purchase a car unfortunately I wasnt able to do that because of my credit and I decided to made XXXX   account to learn more about my credit as I was checking I see it alot of old fraud infos fake errors on my account. one of them is XXXX it shows that I had a An account since XX/XX/2015 with them but that time I wasnt even XXXX years old yet so I dont really understand how but its been three years since they have been reported me and another company Which is cap one they keep on reported me messing up my credit please help me get my identity back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Approximately end of XX/XX/XXXX I received a credit card in the mail WHICH I DID NOT APPLY FOR OR REQUEST. i checked my credit and saw a hard inquiry AGAIN, I did not request or apply for this card. I called credit card company explained to them the situation advised I DO NOT WANT HIS CARD ACTIVATED, that I did not apply. On XX/XX/XXXX I received a credit card statement for {$75.00} which is the annual fee for the card. I was told they could not waive fee unless I close the account which would negatively affect my credit so I did not want to do this. Now they said I can file an identity theft claim, there really is no claim for this as I received the card so no one was really trying to steal my identity. The company would not waive the {$75.00} and I was told it takes 30-60 days meanwhile the {$75.00} payment is due in 20 days (  XX/XX/XXXX ). I don't want to pay the {$75.00} but I don't want late fees. I don't want this card and I will not pay {$75.00} every year for a card I did not request or apply for. Equifax filed a dispute but told me the same thing. So now I have this {$75.00} I owe and no one will help me. I can not wait 1 to 2 months for some sort of review when I have a balance on the account. I asked if it could be closed some other way where I would not get points off of my credit but was told no. I already have a hard inquiry on my report now from this. I want this {$75.00} off, the card was destroyed. I am trying to purchase a home and this will not be good for my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions Inc.
State: PA
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:
Fraudulent account identity theft XXXX XXXX Open XX/XX/13 Amount XXXX While in XXXX  XX/XX/2013 in hospital unknown person applied for credit card in my name who ever applied for this credit was assuming I was going to XXXX  an took advantage of my name social security number while under XXXX to receive benefits of this credit card while counting my life out

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 2017-08-10
Company: Nations Recovery Center
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is my story with 'Nations Recovery Center '. Originally called on XX/XX/XXXX to inquire about a debt for XXXX XXXX '' I told them they were calling the wrong person as I had had this number for over 10 years at that point and knew no one by that name or had even met a XXXX . I told them to not contact this number again and that it was a mobile number. 15 minutes later I receive another call from them in which the hung up as soon as I said hello. I called back the number and talked to an operator who at that point said they put me on a no call list. I received two more calls in XX/XX/XXXX and XX/XX/XXXX which I either missed or blocked. Fast forward to XX/XX/XXXX and I receive another call at XXXX XXXX. I again tell the woman that she has the completely wrong number and that I 've already asked to not be contacted again, before I could get her name she hung up on me. I called back and spoke with an operator that transferred me to a supervisor. I told him the situation and he was unapologetic and said he highlighted the note in there system in red now ( really? ). Although he was reluctant I also managed to get the name of the woman that called me on XX/XX/XXXX ( XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions

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 2018-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
Capitol One Auto Loan is showing on all bureaus account is showing old delinquency. I have since paid off the balance off the loan it is now closed as off XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/20 I attempted to change the phone number to my account as I did not have the previous phone number XXXX used anymore. When I asked to change it Chime told me they would not be able to give me access to my account unless I provided them with my phone bill. Because apparently it was associated with a different account. My phone number is under my boyfriends moms plan and I am unable to put my name on it. So they told me unless I got a new phone plan I would not be given access to my account. I sent them my ID a picture of me holding my ID and my social security card pic via email and nothing is satisfying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello my name is XXXX XXXX and I had made some transactions regarding a service I was expecting. Further along the lines I ended up finding it was a fraud/scam and immediately contacted my bank when I learned about it. I made a claim/dispute with my bank regarding the fraudulent transactions made and they said they can not refund my money because I authorized the purchases and agreed. I have been scammed and lost exactly XXXX. If I were to have know the sooner about the fraudulent services I would have never allowed the transaction to be processed. Thank you.

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 2018-03-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received credit inquires from XXXX XXXX of Texas and I haven't applied for any loans or any credit applications. I only opened a savings account and nowhere did it mention that my credit was going to be ran or used for the savings accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
on XX/XX/21 submitted investigation request on accounts that are not mines. No valid status of results

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 2020-07-02
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My bill for internet service had been steadily increasing with XXXX annually. It reached a point where what started as a {$40.00} service was now being billed at $ XXXX. I had called XXXX and spoken to an agent to see if they had a better deal OR if they cancel my service so I can signup with XXXX. 
I spoke to an agent on XX/XX/2019. The end of my billing cycle is XX/XX/XXXX. I had asked that she put in a request to submit my request for the end of the billing cycle. She then clarified that if I picked a date before the billing cycle, that they would pro-rate the amount for the days the service was provided. Consequently, I moved the cancelation date to XX/XX/XXXX and signed up for a new service for XX/XX/XXXX. She re-confirmed that they would pro-rate me back the amount for remaining XXXX. 
PS - I have this in a recording that I would be happy to share as proof of agreement. 
The bill didnot reflect our conversation. After speaking with customer service numerous times, they said that their agent was mistaken and that I would still have to pay for the service even though it was cancelled by XX/XX/XXXX. They only thing remedy they offered me was that they would train their agent. This wasn't an acceptable course of action as it was an error on XXXX 's part. They refused to rectify it and threatened to send me to collections. 
When they sent me to collections - I requested to dispute it but I didn't get an information from them to be able to do so. I know see that it is unfairly on my credit report and I would like to rectify it.

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 2020-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was working with a Bank of America mortgage lending specialist to purchase a home. I provided him with all my relevant financial information including my somewhat unique student loan debt situation. Bank of America had a unique grant program that provides up to {$17000.00} in closing cost assistance. 

I was pre qualified for a {$330000.00} mortgage to buy a post-foreclosure home owned by HUD. I informed my BoA mortgage lender, XXXX XXXX, that we were bidding on the property. And informed him when we were accepted and entering a contract to buy. After I placed my earnest money deposit down Mr. XXXX informed me that the underwriter was having issue approving my loan because of my debt to income ratio. I then called him to figure out ways to adjust the mortgage product to fit the underwriting requirements. Mr. XXXX told me he was having technical difficulties and would call me back. He then contacted me two hours later informing me it would not be possible to BoA to give me a home loan on my selected property. 

Under my contract with HUD, I need a wet signed denial letter from the lender in order to cancel the home buying contract. Neither Mr. XXXX nor his co-workers have provided me with this denial letter. We informed Mr. XXXX we needed a wet signed denial letter on approximately XX/XX/XXXX or XXXX, 2020. Today is XX/XX/2020 and I still don't have a wet signed denial letter. Therefore, I still have not been able to cancel my contract nor have my earnest money deposit returned to me. Neither Mr. XXXX nor his supervisor XXXX XXXX have been helpful during this frustrating process. 

Lastly, all of this has been frustrating and unacceptable. My financing for a home was denied based on information my mortgage lender had before I was pre qualified for a home. And that same mortgage lender has not provided me the necessary materials to cancel my contract and have my earnest money deposit returned to me.

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