BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Our company, XXXX XXXX XXXX, XXXX, is a XXXX XXXX XXXX XXXX. We handle closings of real estate transactions on a daily basis. On XX/XX/2020, we closed the purchase and sale of a property that had an existing mortgage from XXXX XXXX  to be satisfied with the closing funds. As standard operating procedure, our paralegal for the closing initiated the wire of {$550000.00} to satisfy the XXXX XXXX  mortgage. However, our office email accounts had been hacked and she had unknowingly been provided with fraudulent wire instructions. The money sent to satisfy the XXXX XXXX   mortgage was instead sent to Capital One. A representative from Capital One called us on XX/XX/2020, to notify us that the money had been received by Capital One, but they were questioning the origin of the wire. We immediately requested the return/recall of the wire, but Capital One refused our request. We've since been required to communicate with Capital One through our bank, XXXX XXXX. Neither XXXX nor Capital One has given us any indication of when the funds will be returned. 

This incident occurred over four  weeks ago and we still have no indication of when it will be resolved. Our office is a victim in this transaction, but we are not receiving any guidance from Capital One about the status of the funds that they received. We need Capital One to expedite the recall of the funds so that our client 's XXXX XXXX   mortgage can be satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Why are you still reporting inaccurate information on my credit file. I sent a dispute which you Experian received on XXXX/XXXX/XXXX  at XXXXXXXX XXXX XXXX XXXX  This is my 4th dispute about this same inaccurate account. You didn't do a proper investigation. You need to reinvestigate these issues and delete XXXX  account from my credit file because it's not accurate.

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 2018-10-26
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: Information is missing that should be on the report

Complaint:
I have an open account with Capital One. I am trying to rebuild credit, but for the last 2 months the card has stopped reporting to all three repositories. 

I have contacted Capital One, but I just get sent to a CSR in another country who does not understand what I am asking about.

I want Capital One to report my open card, as I have paid on time since I opened it a year ago. I dont see why they suddenly stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this was originally reported by XXXX XXXX but when disputed now it's showing up from another company. I've always had insurance and I am under the impression that this is an old hospital bill but can't get the original debt contact informant. These collectors are passing around my information like I don't matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
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: Was not notified of investigation status or results

Complaint:
I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: FL
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 fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality act 15 usc 1681 Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXX # XXXX Account : XXXX XXXXXXXX XXXX XXXX # XXXX Account : XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXXXXXX XXXX  XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX # XXXX Has violated my rights. 
15 u.s.c1681 602 section states I have the right privacy.

15 u.s.c1681 section 602 A section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681c. ( a ) states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, any than records of convictions of crimes witch antedates the report by more than 7 years 15 u.s.c 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer by any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
They are allowing illegal reporting of debt that is more than XXXX XXXX XXXX, and allowing dates to be changed to not be removed from report. Also allowing identity theft accounts be reported on credit report. They are allowing and excepting illegal activities to credit reports

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 2021-10-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020, I fell victim to a scam by XXXX XXXX XXXX, masquerading as an auto vehicle dealer-ship. Money was transferred from my TD Bank account via bank transfer in the total amount of XXXX USD. I was looking for a vehicle for my dad. His car is very old and I wanted to surprise him for his XXXX birthday. He has always wanted to have a full-sized pickup truck, but the house, XXXX kids, college tuition, and all of the other bills prevented him from ever getting that truck. He would always put his family first and himself second. 

I wanted so badly to get him that truck. I was looking online for available vehicles and came across XXXX XXXX XXXX XXXX. They claimed their vehicles were seized or repossessed and were therefore sold at lower prices. I saw an XXXX XXXX XXXX and began to inquire. The people claiming to be from XXXX were very polite. They would send me a copy of every conversation we had. They answered me throughout the entire process. 

They told me I could pay in cash but only at their location in Michigan. XXXX XXXX XXXX sent me a bill and information on where to send a wire transfer. I sent the wire for {$4700.00} and awaited instructions. Even after the money was sent they would still answer my questions via online chat. They arranged a delivery date with me. As the delivery appointments were missed they would tell me that they had to contact the shipping company or the driver was delayed. Needless to say, the vehicle never showed up and eventually my questions received no answers. 

I am extremely embarrassed about this. I had to explain to my wife that I wasted all of that money. Money that we didn't have to just throw away. My dads birthday came and went and it broke my heart that I wasn't able to get him that truck. Being down all of that money, now I definitely couldn't afford to look into another truck. 

I would never think to steal from another person, so I trust people when I shouldn't. There are so many bad people out there that it just gets very disheartening. If there is any way I can recover any of the funds, any of it at all, I would be so appreciative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
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 accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX : # XXXX, XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: ALLY FINANCIAL INC.
State: FL
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:
Ally Financial Account # XXXX is reporting blatant inaccurate, inconsistencies on my report and according to the FCRA Statutes 15 U.S.C . 1681s-2 ( A ) ( 1 ) .A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report.

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 2020-07-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Since XX/XX/2020, I have been notified by 2 mortgage companies when applying for a loan that Experian is not allowing access to my credit files. In working online on their website, it is impossible to contact them except by phone or mail -- no online contact. In using the phone, no matter which number I call and which option I choose, I always get a robo-answer as to what services are available, then a curt 'Goodbye '. Can not get any further by using their phone option. 
At some time in the past, I asked for and received a " CreditLock ''  on my files -- differing from a " Credit Freeze '' -- this is what is causing my problem. I need to lift the CreditLock but am unable to access their system using their online instructions to contact by phone. 
Twice now, I have had problems with mortgage banks trying to access my credit information and now have been denied a refinance opportunity by XXXX XXXX XXXX XXXX due to the inability to get to the Experian information. 
Experian will not let me delete the CreditLock by following THEIR instructions. 
Need some help from them, 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 explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$610.00} XXXX XXXX   XXXX {$210.00}

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 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$610.00} XXXX XXXX   XXXX {$210.00}

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 2019-06-25
Company: Experian Information Solutions Inc.
State: TN
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:
These account don't belong to me and or I never made late payments on them.

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 2021-05-06
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing LLC purchased my mortgage from the original mortgage company. Then in XX/XX/2019 I refinanced with a Bank. They paid off Specialized Loan Servicing but they fail to record a lien release on my property. It has been 1 year and it is still not recorded. I have called dozens of times, sent them title work showing their Lien is still on the property along with new mortgage. They do not help and answer no question. I have no proof that they are actually sending out a lien release to the county. This company should have their license taken away.

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 2020-07-14
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:
On XX/XX/2019 I received a hard inquiry from the company XXXX XXXX that did not belong to me. I reached out to the company and they sent me a letter stating after further investigation that the inquiry was not mine. They also stated that Equifax could not remove the inquiry but yet change it to a soft inquiry. I've sent paperwork to them as well as XXXX XXXX. When I spoke with Equifax they told me they could not remove the inquiry. This inquiry was not me and I do not want it to remain on my credit report. I've had a similar experience with the company XXXX and it was removed with no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: First Credit Services Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed up for a gym called XXXX last year of 2016. I enrolled there for 3 months and canceled my membership directly with a sales associate. That person told me I was good to go and I successfully opted out of my contract. A month later, crunch billed me. I spoke to them in person and called and told me it was a misunderstanding. They repeatedly billed me month after month for a year straight and turns out from there lack of communication they have n't successfully opted me out due to the monthly bills and now i have a derogatory mark on my credit score which has affected my score significantly!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Selene Holdings LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Selene Finance is stating that payments have not been made for XXXX, XXXX and XX/XX/2023 : Payments made : XXXX {$330.00} XXXX - {$1000.00} XXXX - {$11000.00} Also, when Selene acquired the loan from XXXX taxes were paid, Selene is adding four years of taxes to the loan. 

Selene Finance is not updating their records to reflect any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Getting sick was the worst mistake that I ever made in my life.The medical bills are outrageous and un-affordable, The company continually takes my life away from me and penalize me for being sick. I am a single mom who pay check is completely gone due to the fact that I cant afford to live and I definitely cant afford to be sick.I don't even have gas in my car for work what am I suppose to do at this point .Help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Netspend Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I just received by email a copy of account summary from accounts Netspend decided to transfer to one account. 
Netspend refuses to allow me disputed unauthorized transactions on charges I just became aware. 
Netspend also refuses to provide a provisional credit within 10 business days of unauthorized transactions they did allow me to dispute on my current card. 
Netspend did credit my account for prior unauthorized charges but did not credit me their arbitrary and capricious transaction fee.

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 2023-05-11
Company: EQUIFAX, 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:
I was victim of identity theft as well as information over 8 years old is still showing on my report incorrect address incorrect name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
Nissan Infiniti Account ending in XXXX has not been updated from the creditor for months the last time they were updated was XX/XX/2020 because of my credit disputes, This company has not been updating my correct balance and payment history for months before this non update was happening my Nissan Infiniti account would update on the XXXX of Every Month and it had stopped, I reached out to the Nissan Motors Acceptance Corporation ( The Creditor for this Acct ) to no Avail My payments and balances are not being reported to the 3 credit Bureaus like they once were

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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