BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 have timely disputed a {$38.00} credit card charge placed on my CapitalOne card ending in XXXX by XXXX XXXX, on XX/XX/2019. I purchased a {$38.00} worth of gas, but my card was charged twice. I filed a dispute with the credit card issuer, Capital One Bank. Capital One Bank sent me computer generated copies of the invoice. It appears that CapitalOne Bank has been invoiced twice for same purchase and then I was billed me twice for what was a single purchase, a billing error caused by a computer glitch. I repeatedly asked CapitalOne Bank to contact the merchant and obtain any documented evidence of my indebtedness, more specifically my singed receipt, purchase agreement or any tangible proof showing that I accepted any goods for services in excess of the original {$38.00} charge. CapitalOne Bank failed and refused to help me in obtaining documents from the merchant. What I have been receiving from the bank is identical letters requesting unspecified information to validate my dispute. All my attempts to contact the Bank to find out what specific information is need needed to validate the dispute were to no avail. I provided the company with the copy of my purchase receipt clearly showing a single charge as well as evidence of my contacting the merchant. 

The federal law, the Federal Truth in Lending Act ( Regulation Z ), requires creditor to either contact the merchant and request documented evidence for the underlined indebtedness or make the credit permanent. Capital One has done neither and is holding my {$38.00} resulted from double billing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10
Company: Experian Information Solutions 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX*Balance : {$400.00} ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-08-02
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
1. Wells Fargo repossessed vehicle without sending Notice of Default and Right to Cure. 
2. Used stimulus check to get payments caught up. Then requested loan payment deferral due to covid layoff. Wells Fargo denied the deferral, and shortly after repossessed the vehicle. 
3. I have the funds to get payments caught up in full, they will not allow me to pay anything except the outstanding balance.

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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 XXXX XXXX Account # XXXX, had violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2. Also states a consumer reporting agency can not furnish a account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing because I have not received credit from Wells Fargo Bank, N. A. for two Bills of Exchange I sent to XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Since they were not rejected, I presume that they were used to credit the payee, Wells Fargo. Please check the record, and let me know how to obtain a receipt for the transaction. Wells Fargo has been continuing to attempt to collect the debt, as if it was never XXXX at all. 

The Bills of Exchange should have been negotiated on or near the delivery dates shown. The delivery dates were taken from the XXXX tracking records of the registered mail numbers listed below, and are the same as the Bill of Exchange numbers. 


Bill of Exchange for Mortgage Account listed, Number XXXX XXXX XXXX XXXX XXXX XXXX Date of Delivery : XX/XX/2022, Amount : {$220000.00} ; Second Bill of Exchange for XXXX  Account, Number : XXXX XXXX XXXX XXXX XXXX, Date of Delivery : XX/XX/2022, Amount XXXX {$49000.00} The Bills of Exchange are part of a lawful process authorized by Congress and allowed in the U.S. Code.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The vehicle loan with XXXX XXXX XXXX XXXX was wrongfully repossessed in XX/XX/XXXX 2016. The lien holder of the vehicle failed to fix electrical problems with the car. Instead of fixing the car, The car was repossessed and sold in auction. The amount the car sold for and what I owe is completely wrong. The charge off balance of the car is now reporting {$11000.00} dollars on my credit report. This is absolutely wrong.

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 2020-07-11
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There were issues with my American Express card on XX/XX/XXXX when I tried to make a payment on the card. There were re-occurring deputed charges that kept reappearing on the account since XXXX. The charges would be disputed and credited back to the account then the charges would be added back to the account again by the merchant. When I spoke to a American Express representative on XX/XX/XXXX, he or she said, " They wasn't sure what amount I needed to pay because of the disputed charges were on the account and to call back in a couple of days once the account was adjusted ''. Therefore, I did not make a payment. 

Also, at that time, the representative did not inform me American Express no longer had the deferred payment plan and had a new payment plan for those who were still experiencing hardship due to the Coronavirus CoVid-19 that I could enroll in. 

I also have been affect by the Coronavirus CoVid-19 due to loss of work/unemployment. I should have been told about the new payment plan on XX/XX/XXXX to enroll in it to avoid a negative credit reportings. 

While American Express was straightening out my credit card account with the re-occurring deputed charges, which no payment was made on the account, American Express reported my account 30 days late on my credit file. This could have been avoided if I was told about enrolling in the payment plan program that was offered to those being affected by the virus. 

I have always been in good standing with my American Express card until I kept being charged by a vendor who were located in XXXX and I did not received the items when I should have received them. It took over a month to receive the items because XXXX was being affected by the virus, which the U.S. did not know. I also kept being charged by another vendor ( XXXX ) until American Express put a block on the account from the merchants. 

I asked American Express, " To removed the 30-days late from my credit files ''. I was told, " I needed to contact the credit reporting agencies ''. American Express need to remove the 30-days notice from my credit files had I was told/informed by the representative that American Express no longer had the deferred payment and that they had a new payment program to help those being affected by the virus, the 30 days late on my credit files could have been avoided. 

I was told about the new payment plan after my American Express Card had already reported my American Express Card late to the credit bureaus. 

I already being affected and tremendously impacted by the Virus, my credit does not need to be impacted also when this could have been avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
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:
On XX/XX/XXXX, I have disputed and requested investigation through XXXX  credit reporting Co about complaints of re-aging a negative and erroneous collection report from XXXX XXXX XXXX ( collection agency ). XXXX  and XXXX XXXX XXXX  has not provided my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and has not provided me with the date of first delinquency, nor the FCRA compliance date and the name of the party who reported the date of first delinquency ) The original creditor HSBC acct ending in XXXX is showing a balance of {$510.00}, which HSBC had reported first delinquency date before XX/XX/XXXX. However, ( XXXX XXXX XXXX ) continues re-aging an erroneous first delinquency date that should have been deleted from my XXXX  credit report this year on XX/XX/XXXX. XXXX XXXX XXXX ( the collection agency ) has re-aged this account again and is showing that the original creditors ( HSBC ) date of first delinquency has been revised to XX/XX/XXXX, which is erroneous and harmful. I am requesting a deletion of this account immediately and am filing a formal complaint against XXXX XXXX XXXX and XXXX  credit reporting Co for illegal re-aging practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: MD
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert from XXXX  about an account being reported by Medical Data Systems for XXXX  XXXX  XXXX  XXXX  XXXX  for {$2000.00}. Please be advised that I never received a or verification of the item reported to XXXX  by Medical Data System is a VIOLATION of the HIPAA Act of 1996.

Medical Data System did NOT provide me a HIPPA release to access my medical information including charges stemming from services rendered and protected by HIPPA, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against Medical Data System should this item not be deleted within the required time allowed by law. Medical Data System is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX  as well, since they are the only bureau incorrectly reporting this 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
Consumer complaint received 2023-10-03
Company: Mobiloans, LLC
State: SC
Product: Credit reporting 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:
These hard inquires were done on my credit reports without my authority. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MOBILOANS LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
This account is over 7yrs old and still remains on my credit from XXXX and should be removed from my reports and I have disputed it twice and the credit agency hasnt removed it and wont remove it when it should have been removed in XXXX of 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 non-monetary relief
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX  XXXX is reporting 2 erroneous late notations on my credit file. I recently sold my house and this loan was paid in full. I ended up selling the home in XXXX. However, my title company said that wiring the money over would take 30 days. I told them that they needed to hurry the transaction as it was XXXX and it only has 28 days. My title company ended up transferring the money over XX/XX/XXXX, which in any other month would have been the XXXX. XXXX XXXX also charges a late fee if you pay anything past the XXXX which is ridiculous so they added a late fee. This account had been completely settled and paid by XX/XX/XXXX but they reported me late for XXXX? This was not my fault, I was never late on this account prior. I need the late notations removed from my credit file because I was never late, my title company just XXXX  me over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
The dealership that i bought my car from was involved in fraudulent activity as well. After reading the court documents i was made aware that there are 2 unknown files that were submitted to santanders financial department and i am sure they are aware and have involvement with this matter. I am asking for the both files that was submitted to the financial department at santander and not the tampered information that was falsely given to them. If this matter is not cleared within 30 BUSINESS DAYS, I will move forward with civil action also. Furthermore, Santander participated and defrauded me as well as millions of others by exposing me to unnecessary high levels of risk through high loan to value ratios, significant backed fees, and high payment to income ratios. Santander also participated in fraudulent activity with the dealership by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Due to the fraudulent activity involved with the dealership and Santander of mishandling and deceptive servicing practices from BOTH parties my vehicle was ultimately repossessed. I am asking Santander to please release me from all financial and legal obligation for the deceptive servicing practices and delete all information from all consumer reporting agencies and three credit bureaus that it has been illegally sold and reported to. Santander is also reporting misleading information on my credit report in regards to recent payments that have been made to them. There has not been any recent payments or communication with santander in regards to the charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: OneMain Finance Corporation
State: GA
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. 

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was contacted by the company XXXX XXXX last year XX/XX/XXXX in the summer between XXXX and XXXX. The company representative told me that I was in default of a rental agreement and I needed to return the furniture before the store files a stolen property charge with the local police department. I told them that I was on XXXX XXXX orders and that the furniture was in storage and that I would authorize them to pick it up. The man then stated that he would take a payment of XXXX dollars. I asked him what was the total amount due and he could not tell me. He said he had to add other fees and he would call me back with the amount. The company XXXX XXXX went on to put a charge off debit on my credit report with a charge of amount of XXXX XXXX dollars. I continued to receive calls asking me for payment and threats to file police report for stolen property. I called the company in XX/XX/XXXX to make a payment the representative gave me completely different amount than what was stated on my credit report. When I told her that the amount she stated I owe did not match the amount shown on my credit she put me on a long hold on the phone. when she finally came back to the phone she could not tell me how much I owed on the account still. She stated that she was going to have someone call me back with my account information and payment methods. I never received a call back.

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 2020-07-11
Company: Kashia Services
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Due to Covid and the pandemic, my place of employment was not working full-time. So to make ends meet I decided to apply for a loan to help me out. Better Day Loans gave me a call to help me out with my situation which was towards the end of XXXX. I was approved for XXXX $ with a weekly payment of XXXX until its paid in full. They started taking payments from my account the first week of XX/XX/XXXX. And I made every payment up to this point, XX/XX/XXXX. I call to see how many more payments I have to close out the loan and the lady tells me XX/XX/XXXX will be my last payment. I'm questioning why when I'm making payments in the amount of almost XXXX $ each week. She proceeds to tell me that they only apply " cents '' to my principal and the rest goes to the interest. So as of today only XXXX $ has been applied to my principal balance out of the XXXX $ I've paid so far. I asked the representative from Better Day Loans to send me an account of all my payments and after taking a look at it my balance its over XXXX $ with my payments until the end of XX/XX/XXXX. There is no way that this is even legal to charge interest of 770 % on a XXXX $ loan and they expect you to pay it back in excess of over XXXX . I  will agree to pay the XXXX $ that I borrowed with a little interest but this is ridiculous taking advantage of people and their need to live everyday with this fraudulent business practice.

Company response to consumer: Closed with explanation