BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-06
Company: Experian Information Solutions Inc.
State: CO
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 Do not recognize or no what these inquires are on my consumer report that you are reporting these are fraudulent inquires that i want removed from my consumer report. 

XXXX XXXX XXXX XXXX XX/XX/2021 XXXX/XXXX  XXXX XX/XX/2021

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 2021-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX - 2020 Capital, one auto authorizes a loan for XXXX dollars to a person using my social security number. I call the company and they hang on to me after wait 2 hours at the line, nobody has an answer to what happened and they give a new car to a person whit out check the information. 
The car is a new XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved out of the apartment complex XXXX XXXX in XXXX of this year. They charged me XXXX when I moved out for termination fees. I paid the full amount of this on XX/XX/XXXX through their website. About a month and a half later, a collection agency contacts me saying I still owe this amount. I explained that it has already been paid to XXXX and also sent them a letter but they continue to call and send me bills threatening to damage my credit score if I don't pay. I need help dealing with these people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
inaccurate information on credit report. This is a FTC violation XXXX XXXX on XX/XX/XXXX {$13000.00} - FTC violation XXXX XXXX XXXX/XXXX XXXX  XXXX on XX/XX/XXXX {$2300.00} -FTC violation XXXX XXXX on XX/XX/XXXX {$3900.00} -FTC violation XXXX XXXX on XX/XX/XXXX {$5700.00} - FTC violation XXXX XXXX XXXX on XX/XX/XXXX {$21000.00} - FTC violation XXXX XXXX XXXX  on XX/XX/XXXX {$21000.00} -FTC violation Contact all above companies to have inaccurate information remove. Have made attempts, no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Experian Information Solutions Inc.
State: CT
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:
I mailed a bankruptcy dispute on XX/XX/21 to Experian which they received and started the dispute on XX/XX/21. I submitted documentation from XXXX XXXX that showed that they couldn't verify the bankruptcy on my report therefore they had to remove it. Experian finished the dispute on XX/XX/21 and said that they verified the bankruptcy with XXXX XXXX which is false.

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 2018-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We have a home equity loan with Bank of America. We have to carry flood insurance on the home-which we do-now they want us to pay for flood insurance on out buildings-a garage and a 3 sided barn because they think we could live in them. When we last check with FEMA they don't cover out buildings. We tried to resolve this and had our insurance agent send the information that they asked for. They ( BOA ) decided we needed flood insurance on a three sided barn still. They also stated that the insurance agent didn't send the info on her letterhead. As far as we are concerned this is harassement. We have never missed a payment and have great credit. BOA seems to want more money any way that they can get it. Our land value along with no buildings is worth more than the loan. " XXXX also stated that the garage was now not having to have insurance but got the insurance papers in the mail the dame day we got a letter that they were reviewing this issue.

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 2021-11-06
Company: Business & Professional Collection Service Inc
State: NV
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:
I have a medical collection from Hospital Collection Services being reported to XXXX that should not be there. 

I have contacted Hospital Collection Services and XXXX on XX/XX/2021 / XX/XX/2021 / XX/XX/2021 and have yet to have them respond. 

This collection has been removed from XXXX as they know they were illegally reporting this information. 

" Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to any Medical Office for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is two-fold and as follows : Validation of Debt and HIPAA authorization : - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Their failure to comply is a direct violation of my rights under the FCRA and FDCPA. 

This illegal collection has and continues to hold me back from being able to utilize my credit and is causing major distress to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with HSBC in XX/XX/XXXX being attracted to their welcome bonus. I called numerous times because the bonus was not deposited to my account yet, always got answer that I have met the criteria, bonus it's on the way. Now in XX/XX/XXXX they are telling me that I haven't used the proper link. I am CONFIDENT I have used the proper link. This is ridiculous, they have the worst customer service. Before giving me this nonsense answer they were telling me they need my application number, why would I have this, thats their internal information, I am giving them account number now. 

However, I used the proper link and this makes no sense, please get it resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: The Outsource Group, Inc
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed a debt to XXXX XXXX XXXX, it was turned over to XXXX   Account # XXXX they turned it over to an attorney XXXX XXXX XXXX XXXX. I was serverd a summons for court. I contacted the law firm and settled the original amount of XXXX for XXXX. I paid the amount in full on XX/XX/XXXX my confimation # XXXX. Since then I have contacted XXXX and this XXXX XXXX XXXX XXXX at least 12 to 15 times with messages on transfers with no answers or resoulution. Please feel free to contact me anytime at XXXX. I feel this is wrong in so many was that you pay a debt yet they give you the run around for weeks at a time with absolutely no answers on how to resolve this, Thank you. 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 2020-11-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have Business, Platinum Checking account with Wells Fargo bank, On XXXX2020 there was a withdrawal for an amount of {$43000.00}, it says Recover For Claim XXXX. Now for the past 20 days my account shows negative balance, my checks have been returned even though I had money in my account. 
I have contacted several Wells Fargo bank officials in different states, local banks etc. None of them know why the money was taken out of my account and who did it. I have incurred several losses including, monetary, credibility in my business circle etc. I have not written any check, or authorized any one in any way for this transaction. 
I would greatly appreciate your assistance in this. 
Name of the account ; XXXX XXXX XXXX XXXX My account number XXXX MY BANK ADDRESS AND CONTACT DETAILS WELLS FARGO BANK XXXX XXXX Service Manager XXXX XXXX XXXX XXXX Wells Fargo Bank XXXX XXXX XXXX XXXX | XXXX, TX XXXX XXXX XXXX Tel XXXX XXXX Fax XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Predatory revenue creation. The Covid-19 pandemic happened, American Express increased the annual renewal fee from {$60.00} to {$150.00}. On my Amex card, XXXX XXXX charged me a membership renewal fee for their service I have not used in over a year because there is a pandemic happening, and XXXX would not let me cancel the membership. I disputed the charge with Amex, and Amex claimed the dispute would be resolved. Amex failed to resolve the dispute, and began charging me late fees on the charge. I already told Amex I would not be paying the charge, or late fees, I want my account closed, and Amex did not comply, but Amex was sure to continue adding late fees, and harassing me for not paying the disputed transaction. 2018, I previously reported XX/XX/XXXXXXXX XXXX and XXXX fraud to the CFPB, and the issue remains unresolved, and Amex used the unresolved issue to apply a limit to my Amex credit line. I also reported XXXX, the Department of Education, et al fraud and harassment to the CFPB, and the issue remains unresolved to the point of me being economically hazed from my college program due to XX/XX/XXXXXXXX XXXX et al extorting and libeling me via fraudulent credit reports, and I receive daily harassment from the above businesses in their failure to resolve my grievances they created. I am the Consumer, my Finances need Protection, and the CFPB has consistently failed me along with those mentioned above, and many more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-30
Company: Experian Information Solutions Inc.
State: SC
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 recently started monitor my credit using XXXX XXXX.This is when I noticed multiple credit inquiries that I didn't apply for. I have disputed them with XXXX and the companies several times. And they both refuse to remove them from my credit reports. And wouldn't send me proof that verify I did the inquiries. I didn't do theses inquiries. The inquiries are from the following companies : XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-11-06
Company: Conn's, Inc.
State: NC
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on the Credit Bureaus response about the written requests I sent regarding CONNS. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO
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: Didn't receive services that were advertised

Complaint:
RE : Consumer ID XXXX On XX/XX/XXXX I sent a letter to XXXX XXXX requesting they place a security freeze as allowed by my state law as well as an updated copy of my consumer report. XX/XX/XXXX I received a letter dated XX/XX/XXXX requesting I sign a document to verify my identity in order to place a freeze. Enclosed was a copy of my consumer report. The form they request I sign simple repeats the verifying information that was provided in my original request. My letter included a copy of my current state driver license along with my SSN and DOB. 

My complaint is that the receipt of my consumer report indicates that I met the threshold for identification verification. I have complied with the requirements of MO 407.1382.1 ( 1 ) and ( 3 ) and XXXX XXXX has failed to comply with my request for a security freeze as required by MO 407.1382.2

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 2018-01-29
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Was told debt sold to midland  and agreed to pay as long as would be deleted from my credit report and they agreed and when paid and called to see status they said original creditor would need to delete from report and they couldnt help then original creditor says they cant help because they sold debt Im going in circles. These two accounts are paid and are to be deleted as stated by midland. XXXX XXXX   a # XXXX XXXX XXXX  a # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for Capital One quicksilver credit card 1 month ago ( through the link my friends share with me. On that website, it said very clearly -- - New Cardmember Offer : Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening. 

However, I have spent like $ XXXX in the first month and still didn't get this {$200.00} bonus. I have reached out to the credit card team of Capital One. They just respond with " Oh, it looks like your credit card doesn't show sign-on bonus sorry. Our back-end expert said you are not qualified with this bonus. '' I'm curious about why it states on the application website very clearly but how they have the right to refuse to pay this welcome offer. I want a reason why I can not get the bonus ( I have a very good credit history ) but they can not provide any reason/excuse for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
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:
On XX/XX/XXXX at XXXX I received an email from Bank of America alerting me that my checking account had less than {$25.00} available. I checked my account and found that three transactions occurred that day that reduced my bank account to approximately {$3.00}. One transaction was for {$60.00} through an ATM in XXXX XXXX XXXX IL. The other two transactions occurred at XXXX XXXX IL Bank of America where a teller gave an unknown individual {$2000.00} and {$200.00}. I immediately called Bank of America to report the fraud. The debit card department took care of my {$60.00} that day. The check department said they could not do anything until the $ XXXX and {$200.00} transactions were posted to my account. On XX/XX/XXXX I called Bank of America first thing in the morning and reported the fraudulent activity for the $ XXXX transactions and was told I would be receiving correspondence for this claim ( claim number XXXX ). On XX/XX/XXXX I called Bank of America to follow up on the claim and was told that my case had not been looked at yet. I tried to explain that all the money I owned had been given to a stranger who walked into a Bank of America in XXXX XXXX IL and I won't be able to pay my house mortgage or apartment rent. Both are going to negatively impact my credit rating, I will be evicted from my apartment and unable to afford food for my family. I was told they were not authorized to credit my account because they haven't even looked at it yet.

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 2018-01-30
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted the collection agency called AFNI about an account on my credit file that doesn't belong to me and tried to settle with them because i'm in escrow on the purchase of my new home and need it deleted from my credit report right away. They told me that they wouldn't accept anything less than {$1000.00} and i stated that it's not mine but i need it gone off of my file. I even asked for some proof of a contract or something with my signature showing the debt belongs to me and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: CarMax, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I SEND CARMAX AUTO FINANCE A RESCISSION OF SIGNATURES ON XX/XX/2021 WHICH IT WAS RECEIVED ON XX/XX/2021 FROM THAT DATE THE COMPANY CARMAX AUTO FINANCE HAD 20 DAYS FROM IN WHICH THEY RECEIVED MY RECISSION OF SIGNATURES DOCUMENT AS STATED IN 12 CFR 226.23 ( D ) ( 1 ) ( 2 ) & I WAS SUPPOSED TO GET BACK MY VEHICLE I NEVER RECEIVED MY VEHICLE & THE COMPANY SOLD MY VEHICLE IN WHICH CFR 1006.22 ( e ) ( 1 ) ( 2 ) ( 3 ) ( e ) Nonjudicial action regarding property. A debt collector must not take or threaten to take any nonjudicial action to effect dispossession or disablement of property if : ( 1 ) There is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( 2 ) There is no present intention to take possession of the property; or ( 3 ) The property is exempt by law from such dispossession or disablement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
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:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I DID NOT AUTHORIZE THIS ACCOUNT UNDER MY NAME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER TO CORRECT YOUR CREDIT REPORTING INACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
According to my recent credit report request from XXXX, Equifax, XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification  CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT

Company response to consumer: Closed with explanation