BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
All of the details are in the attached letter sent to the President of Capital One in XXXX. 
I have also uploaded their response which I find woefully inadequate as it does not address any of the issues raised in my letter. My follow up phone call was equally unhelpful. 
The bank does not acknowledge I informed them of this problem before the transaction even formally posted, though of course it was on a recorded line. 
I never authorized the transaction by phone or by app. No proof has ever been offered. 
i have never ever used the debit card. 
i have never done business with the merchant. 
Banks have no problem clawing back funds from customers after the fact when the feel like it. 
There is no reason I should not be credited, with interest, as trivial as it may be, ASAP. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2021-12-22
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:
My identity was stolen to attempt to open credit cards and and mortgages/loans without my knowledge or consent. I need these removed immediately as it is affecting my ability to obtain a car and personal loan. I have reported this to the FTC and will attach my report here for you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been fighting with OCWEN Servicing since XX/XX/XXXX. My husband passed away in XX/XX/XXXX and we were never made aware that his name was the only one on the mortgage until XX/XX/XXXX. We had switched accountants and she noticed when doing our taxes. Upon finding out, we attempted to switch over the name to me, his widow. OCWEN indicated all they needed was a will, death certificate, a small document to fill out, and a copy of my license. We collected everything as necessary and sent it in. Weeks went by with them telling us they couldn't check the e-mail themselves but had to wait for it to " process ''. Eventually one gentleman confirmed that he had seen the documents and it would only be some more waiting. We received ANOTHER letter from OCWEN requesting the same documents, this time we sent them to another e-mail they insisted they needed it sent to. This carried on for weeks until we received a letter indicating that we would lose OUR HOUSE. They sent us back our house payments as well because they couldn't accept them while processing. So after communicating with them THIS TIME, we were told to resend all the documents, plus bank statements and then some. We e-mailed them AGAIN and even physically mailed the whole package to them. A few weeks later we AGAIN received a letter that they didn't have any of it. So today we called and they gave us a run around AGAIN, asking for ANOTHER form and MORE documents.We were on hold for over and hour while they tried to dump us off the phone. After some quick XXXX it is apparent that they do stuff like this all the time in order to foreclose on people 's homes and profit from it. We will not be screwed over by their greed or incompetence as today we have sent dozens of emails in various formats ( suddenly today we were told they could only be accepted in PDF format- which no one indicated these PAST FOUR MONTHS ) and will be mailing a packet that needs to be certified and signed that they received it. They think they're going to take our house like they've done with everyone else and that is NOT happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I'm concerned about my education loan provider, Fedloan Servicing, as they they are not responsive to my inquiries, and have miscalculated the total number of payments I have made, which makes me doubt whether they will ever allow me to achieve public service loan forgiveness ( PSLF ). 

For example, Fedloan does not provide users with the number of qualifying payments they have made, you have to request that information, after which it takes them 8 months to get the numbers. When they sent me the number of payments 8 months after I inquired, the number they provided was lower than the actual number of qualifying I have made. When I asked them if they needed any more information to correct the number ( e.g. bank statements, invoices ) they stated that they would get back to me. This was in XXXX ( 6 months ago ) and after contacting them since then I still haven't heard a word. In the meantime, they are of course still contacting me regularly to make monthly payments ( which I have continued to do ) and requested that I submit the paperwork to re-certify my income-driven plan. which I will do. 

Needless to say, the experience has been disheartening and confusing. I'm not sure what to do at this point regarding their communication ( or lack thereof ) and the need for them to acknowledge the accurate number of qualifying payments that I have made. 
I would very much appreciate your help and advocacy in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: WELLS FARGO & COMPANY
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:
Wells Fargo has stated that previous modification was approved and that I did not accept the modification? Wells Fargo 's " modification '' was not a bonified modification, but rather another attempt to trap me into retaining the same toxic loan terms that put me in trouble in the first place. Wells Fargo did not thoroughly and methodically review my financial health as was required by judgement to do so. Had Wells Fargo reviewed my case and others fairly XXXX XXXX, DA for Florida at the time, would not have had to formally complain about the unfair reviews when assessing pick-A-payment victims for their just deserved " Assistant Modification. '' Instead of helping me retain my home under new and affordable payment terms Wells Fargo offered the same toxic loan options as before and mandated that I pony-up a considerable about of upfront cash that I simply did not have.. Customers baited into Pick-A-Payment loans were offered loan relief solely based on Wells Fargo 's unfair and discriminating loan evaluations. I contest the evaluation performed on my financial state at the time and will except nothing less than a thorough re-review of my case.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXX CO XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022

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 2023-07-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-03-14
Company: Kriya Capital, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
{$570.00} credence resource Management LLC is debt collector XXXX XXXX XXXX XXXX is the original. I have filled out tow Fraud packets for this company. But XXXX XXXX XXXX keep switching debt, collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: DISCOVER BANK
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used a company called XXXX, They stated they text me and call me-But it did not happen until I filed a complaint against them. They terminated our contract. I disputed it with Discover and they put the charge back on the account. I sent a letter stating I had 15 days to respond. I called them but they stated that it did not matter about the 15 day the charge stands. THEY merchant terminated the contract and not doing business with me. 
But Discover refuses to remove the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am disputing the whole debt of {$110.00} for Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already disputed this debt with previous debt collector XXXX XXXX XXXX and they ruled in my favor and dropped further action. 
I sent the second collection company Sunrise the same documents supporting I do not owe this debt and they refuse to drop the collection. 
XXXX ( XXXX ) continued to charge me an additional {$10.00} each month from XXXX XX/XX/XXXX, totaling {$130.00}, for a modem ( equipment ) I returned back on XX/XX/XXXX. I was told when I returned the equipment on XX/XX/XXXX the modem fee of {$10.00} would be removed. When I brought it to their attention, several times over several months, they continued to tell me it would be taken care of and credited back to my account. This had been going on for over a year with no response or resolution so I cancelled my account. 

It's a shame companies like this still exist and try to take advantage of consumers. When you call and try to get the bill, bills corrected you are met with countless phone calls and wasted hours to no avail.I feel this is a commonplace tactic nowadays, especially XXXX ( XXXX ) to try and wear us down enough so we, the consumer, pay even though we don't owe it!! 

In reality, XXXX ( XXXX ) still owes me {$130.00} in fraudulent charges on my account. Once I receive a check in the amount of {$130.00}, that they owe me for illegally charging me for equipment ( modem ) I had returned, I will be more than happy to pay the {$110.00}. Or XXXX can credit my account the {$130.00} they owe me in which the charge of {$110.00} will disappear and they will still owe me {$15.00}. The receipt from XXXX on XX/XX/XXXX is my proof I returned the equipment ( modem ). Also you will find in my monthly statements my proof they continued to charge me the {$10.00} fee. 

Thank you for your time, 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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied for an auto loan in XX/XX/2023 at and I was denied due to errors and false information on my Transunion report. 

Secondly, I also requested a block on my Transunion credit report to enforce my right to privacy and they failed to do so pursuant to 15 usc 6801 Protection of nonpublic personal information ; 15 usc 1681 Congressional findings & Statement of purpose ( a ) ( 4 ) ( 4 ). 

My last attempt to resolve this matter over the phone on XX/XX/XXXX. After multiple attempts Transunion still has not resolved this matter.

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 2023-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I was informed that Bank of America would be returning my funds to the Internal Revenue Service, the funds have not been returned theyve been holding the funds for over 30 months now.

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 2022-01-28
Company: WELLS FARGO & COMPANY
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:
Wells Fargo has stated that previous modification was approved and that I did not accept the modification? Wells Fargo 's " modification '' was not a bonified modification, but rather another attempt to trap me into retaining the same toxic loan terms that put me in trouble in the first place. Wells Fargo did not thoroughly and methodically review my financial health as was required by judgement to do so. Had Wells Fargo reviewed my case and others fairly XXXX XXXX, XXXX for Florida at the time, would not have had to formally complain about the unfair reviews when assessing pick-A-payment victims for their just deserved " Assistant Modification. '' Instead of helping me retain my home under new and affordable payment terms Wells Fargo offered the same toxic loan options as before and mandated that I pony-up a considerable about of upfront cash that I simply did not have.. Customers baited into Pick-A-Payment loans were offered loan relief solely based on Wells Fargo 's unfair and discriminating loan evaluations. I contest the evaluation performed on my financial state at the time and will except nothing less than a thorough re-review of my case.

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 2023-03-14
Company: EQUIFAX, 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:
I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief, I demand that you remove these errors to correct my report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX {$2400.00} XXXX XXXX  XXXX {$880.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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:
I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief, I demand that you remove these errors to correct my report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!

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 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
have contacted trans union on multiple occasions with the last person i talked to was named XXXX and the issue on the acct with XXXX XXXX XXXX ending in XXXX was not changed to show paid acct with no charge off status past or present and no late payments. the acct was closed and paid in full as of XX/XX/2017. i have sent all documentation to the many times but they will not follow federal law and correct the info. they are in non compliance of law. the info sent is attached

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