BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-28
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: Personal information incorrect

Complaint:
For every credit reporting agency they have a XXXX XXXX listed on my account. My full legal name as it appears on my taxes and birth certificate is XXXX XXXX XXXX XXXX Also, duplicate, and even triplicate addresses are on my report and Ive attempted both in XXXX of XXXX, XX/XX/XXXX and XX/XX/XXXX to have this information removed, corrected or have the source of incorrect information contact me for proof of the inaccurate or incomplete names and addresses on my reports, especially if they are reporting an account on my report as well. Both XXXX  and Equifax somehow find that my legal evidence doesnt warrant potentially fraudulent account names associated with my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 opened a Khols store credit card around XX/XX/XXXX and I was making payments on time every month. Around XX/XX/XXXX or XX/XX/XXXX my purse was stolen and all my identifying documents were in my purse along with credit cards. The card got maxed out in a matter of days. I contacted them to make them aware which they were suppose to report the card stolen and all charges credited back but that never happened. Now the account is in collections and I am expected to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018..I called transunion and expressed to them the concern I had about inquiry in my credit..Customer service would not help take off the negative inquiries reporting on my credit 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 2018-01-10
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Due to XXXX in my immediate family and my own illness I fell behind in my payments. I am working as hard as I can to catch up but the collection calls are relentless they start at XXXX XXXX XXXX XXXX and do n't stop until XXXX XXXX  seven days a week, The callers make threats to come and get the car and when I advised them to do so they refuse to come and get the vehicle. I have asked for the paperwork to be sent to relinquish the vehicle back to the lender and they refuse to send it. 

I have repeatedly asked not to be contacted while I am at work during the hours of XXXX XXXX  and XXXX XXXX yet the continue to call. If I l do not answer the phone they hang up and call right back. Because they will not respect my request not to call during my working hours or not to call my place of employment my employment may be in jeopardy, On Sunday XXXX XXXX, 2018 I received twenty calls from the lender in a single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX HAS INDUCED ME TO APPLY TO WELLS FARGO UNDER FALSE PRETENSES The complaint is where XXXX  has made false and misleading advertising, as they failed to provide a full disclosure in their services that provides matching credit cards with their credit card partner Wells Fargo I am a subscriber and via my membership number XXXX per their notices to me, that I am eligibility for elite rewards cars. As I earned access to elite credit card matches to top-tier cards with my terms of my level of credit can access. From generous cash back to ample airline miles, its all my for the taking. 

Based on their matches I applied for one of their matches of tier partners Wells Fargo on XX/XX/2019 as my credit file has earned access to elite credit card matches to top-tier cards. My application was denied. 

XXXX failed and made false and misleading statements with not providing a full disclosure by inducing me to apply for a credit card by one of their partners for which they receive compensation. 

False and misleading statements are in direct violations of federal law and XXXX must held responsible to correct false and misleading statements, as their failure to provide a full disclosure. 

My credit standing is impeccable with a history of credit card payments as well with the stability and credit standing to purchase a home and being able to secure a mortgage. 

False and misleading statements are in direct violations of federal law and XXXX must held responsible to correct false and misleading statements, as their failure to provide a full disclosure. 

Because of XXXX XXXX and misleading statement and failure to provide a full disclosure has now has blemished my credit bureaus files as Wells Fargos credit inquiry will stay on my credit file for two years as the inquiry has lowed my credit score. 

CFPB has the duty under federal law to correct False and misleading statements and failure to provide a full disclosure by XXXX and I as a consumer are protected under federal law to seek justice to the American consumers.

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 2021-09-11
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
i have tried numerous times to to reach out to XXXX and they dont get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased 3 gift cards ( {$500.00}, {$500.00}, & {$10.00} ) for XXXX XXXX to complete an online purchase ; however, when I went to use the cards they show {$0.00} balance. Per the terms

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: Avant Credit Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for Avant Credit Card around XX/XX/2018 and I was approved. I called Avant to add mailing address and I was told they can't mail to US PO Box so fast forward two months later I still never revived the card at my physical address. I finally called to cancel the credit card. My understand under the US Patriot act credit card companies are required to have verified physical address on file when a customer applies for a loan or credit card however customers can use a US Post Office Box as mailing address. Avant is only company in the country that does not mail to US PO Boxes and I feel they should not be allowed to offer credit cards to any customers at all till they update their ridiculous policy and allow mail to go US PO Boxes. I will never do business again with Avant I just want to offer my feedback to warn other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There are items on my credit report that do not belong to me. The following items are inaccurate on my credit report and I would like them to be corrected/ removed as I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed in a timely matter PLEASE! 

XXXX  card Account # XXXX This account is fraudulent and inaccurately reporting to my credit. 

XXXX  XXXX Account # XXXX This account is also fraudulent and inaccurately reporting to my credit. 

XXXX Account # XXXX And this account is fraudulent and inaccurately reporting to my credit as well. 

I have also sent out letters to each Bureau on XX/XX/2021 ( which I will be including ) but no resolution or help has been met.

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 2021-07-12
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:
Hello! a family member of mine opened accounts in my name and I have a bunch of fraudulent inquiries on my credit report that I didn't authorize. I've attached my Identity theft report, and proof of my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: Avant Credit Corporation
State: ME
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In XXXX of 2019 I went to pay my bill online at Avant.com. The website stated my current amount due was {$0.00} so I called Avant and asked if this was correct. They stated it was and said they would send my account to another department to verify this was correct. I waited another week with no response from Avant and decided to follow up to see the status of my XXXX payment. I spoke with another representative from Avant who informed me that everything was fine and my next payment is due in XXXX. XXXX rolls around and Im a month behind and now owe 2 payments. I called Avant back and they assured me everything was fine and their investigations department was fixing the month behind payment. This goes on for three months until XXXX and then they decided to take two payments at once and overdrafted my checking account. I still have not received my overdraft fee back from them and have recently refinanced this loan through a local bank. I was very upset with Avant, their mistake dropped my credit score by 50+ points and they will not resolve any issue or call me back or email me. I would like to have them remove any negative marks on my credit that they have put on it, we are in good standings and theres no reason for them to be on my credit report with negative marks. I shouldnt have to pay higher interest rates because of their mistakes. Thats not fair to me or other consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-16
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed an account from Procollect on my credit report on XXXX/XXXX/XXXX I have never received any communication from this company regarding this account. I contacted this company on XXXX/XXXX/XXXX and was advised of 2 accounts in their office I was told I could n't pay one without paying the other. 

This account should be removed from my credit reports immediately

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 2018-01-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I bought the home in XX/XX/XXXX. I always paid on time until The XXXX when my job was destroyed the XXXX XXXX XXXX XXXX. I was given unemployment for a period of time and I still made payments. After that time my daughter moved back home to help us meet our financial obligations. 

We sent complete financial packages to XXXX and while in the process of waiting for an answer the loan was transferred to a new Mortgage Servicer. They immediately went for a judgment of foreclosure and set a sale date XX/XX/XXXX, we had to file a Chapter XXXX to stop the sale. 

We did everything the new servicing company requested Bayview Loan Servicing. 
We are fighting to save our home. Please help us. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
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: Information belongs to someone else

Complaint:
They refused to remove identity theft from my report after receiving police reports and identity theft affidavit when the other bureaus did, equifax refused. They also refused to reinvestigate. 

I had used the app to lock my credit as im a victim or identity theft. I tried to before a loan. Several creditors couldnt pull my report. I contacted equifax over 17 times over 5 days all saying my credit can be pulled but i applied for 5 cards and a car and NONE could get my equifax report. Equifax has consistently showed extreme negligence in handling any issues. 

This is now the THIRD time equifax has violated the FCRA ontop of the breach recently.

This completely shows a constant complete disgregard of the law and gross negligence on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Background to the debt : I went to a XXXX XXXX XXXX near my home on XX/XX/XXXX because I left work throwing up and I needed documentation to miss the next day of work. I gave the lady working the desk my contact and insurance information and waited to get called back. After a few minutes, the lady I had spoken with informs me that the way my insurance works, I had to pay everything up front before I went back. I expected this, and paid with no issue. I was seen and went home. A couple of weeks later I received a statement detailing that I owed {$93.00}. I knew this was incorrect right off, so I called the number listed on the statement for XXXX XXXX XXXX and explained the situation to the representative. She apologized for the mistake and said I would receive a corrected statement soon. On XX/XX/XXXX, I received a statement in the mail that showed I owed {$0.00}. At that point I thought this was the end of it. 
On XX/XX/XXXX I received a notice dated XX/XX/XXXX from Transworld Systems , Inc indicating their intent to collect a debt of {$93.00} on behalf of XXXX XXXX XXXX XXXX. The next day, I sent in a brief letter disputing the debt, as I 've already paid it. I included the statement that showed the {$0.00} balance and a bank statement that showed where I paid. I sent this certified mail. The return receipt indicates that this was received by TSI XX/XX/XXXX. On XX/XX/XXXX, I received a notice dated XX/XX/XXXX indicating a debt of {$180.00} as " still unpaid '' with no explanation as to why it was suddenly doubled. Yesterday, I sent a second dispute to the new amount. When I got home from work, I discovered another notice from TSI indicating that I " still owed '' {$180.00} and suggesting that if I get a tax return, I could use it to pay the balance. This was dated XX/XX/XXXX, a day after my dispute was received, with no verification of the debt as I requested. Today, XX/XX/XXXX, I am sending a third dispute noting that I have filed this complaint as they have continued to contact me after receiving my dispute and to not contact me without verification of the debt that supersedes the statement I have that shows {$0.00} owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After a recent divorce and the reasons leading up to it, I was advised by my attorney to pull a credit report only to realize that there were many accounts opened in my name that I did not open, sign for or authorize. I have file the identity theft report with the FTC and the police report and notified the creditors and the credit bureaus. I did not hear anything back from a couple of the creditors so I followed up with a phone call to verify that they had received paperwork and to ask if they needed anything else. I was told by CapitalOne that because my wife and I had a joint checking account and that we lived at the same address that I would be liable and that they would not remove from my credit report. They could not provide me a signed document where I had opened account, was opened by wife online, and they also told me that the card had been used by me at a hotel, by me, and that they verified, also justifying that I benefited by the card staying there. I asked for hotel and date used, location and phone number. I never stayed at that hotel and was n't in that city at that time AND the reservation was made on XXXX. CapitalOne told me that it was a civil matter and to sue my x wife. It is not civil, it is fraud and I have done what I am legally required by law to do. There are 2 account numbers that were opened by her in my name with CapitalOne. CapitalOne also told me that an incident report was not evidence enough, that is what was filed when I called the police to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Had a previous complaint # XXXX concerning HSBC Bank whereas they were to have paid me a {$200.00} bonus due to a promotion. Received an email from the VP of Customer XXXX, XXXX XXXX confirming that they were to pay the bonus no longer than 30 days after XX/XX/XXXX. As of XX/XX/19 they have not conformed with the terms of our original complaint, which included this payment. Tried to contact them via phone and email per their instructions and they refuse to answer the calls and have not responded to my email. The terms of the original complaint are recorded under case # XXXX, thus making this a 2nd request and their 2nd attempt at chicanery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: Integrated Asset Recovery LLC
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: Old information reappears or never goes away

Complaint:
XXXX case # XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. CLOSE THIS ACCOUNT. I AM PERMANENTLY XXXX DUE TO AN INJURY. ALL ACCOUNTS SHOULD BE CHARGED OFF AND CLOSED.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-10
Company: EAST WEST BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am the XXXX of XXXX XXXX XXXX XXXX XXXX XXXX We issued a check of {$6600.00} to our insurance company but the check was lost in mail and been forged and withdrawn. I went to my bank, East West Bank, to discuss the issues and complain why they released the fund without any endorsement on the back of check. The branch manager said that is the bank standard procedure and advised me to file police report and bank 's own form and promising me they will refund to us within 2 to 3 month. Since the last letter from East West bank confirming the case filed, we have n't heard any thing from bank. Until today, X/XX/18, we called bank to update to status, the bank manager told us the other bank, the depository of check, denied to refund anything. Please advise what will be the next proper procedure to continue. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened an Every Day Checking account with Wells Fargo on XX/XX/2019 where promotion of {$400.00} was offered. The term to receive the bonus was " Within 150 days, make $ XXXX of cumulative monthly direct deposit for three consecutive months. 
I interpreted the condition as making {$3000.00} direct deposit within 150 days and also confirmed with the branch sales person on the same. I set {$2000.00} direct deposit to this new account every month. On XX/XX/XXXX, I was not getting the bonus so I called the customer service. The agent on the call also reviewed the condition and assured me that the deposit will be made soon. On XX/XX/XXXX. I received the letter from the company stating that I am not qualified for the bonus because the direct deposit has to be over {$3000.00} every month for three consecutive month. At that I time, it was too late to adjust my direct deposit because three month will be over 150 days. 
I admit that it was my fault not fully understanding the term on account opening but also the stated term can be misleading as I interpreted as making cumulative {$3000.00} within three month. It was also misunderstood by the agent who helped me opening the account and also the customer service agent who could have corrected me when I was calling to review the situation.

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