BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XXXX XXXX XXXX XXXX Finance manger was very rude in the way he talk to me and very Bias as well as a pure XXXX. I came there to trade in a car and the salesman was very nice and helpful. The finance manger told me he could not get me Finance with {$40000.00} dollars or XXXX no amount money would Capital one take the loan. Funny Thing I have a car loan with Capital One Bank and it can be Verified by capital one I never had a late payment nor any late fees as well for the last 2 years no credit cards student loan is late or behind. This Finance manager also told me they use a Formula and when we look at his computer screen it was showing things that had been deleted off my credit file and it was as he was trying to use it against me. I contacted Capital One Bank and was told when the loan was in pending status the Finance manager did not respond back to capital one as if I wanted to put more money down. My feelings towards euro motors as people had told me that there not the dealership to do any business with and they are awful when it comes to customer service. I have also contacted XXXX XXXX XXXX to the issue with the Finance manager and the way he talk to me. I no he have some excuse as most do and try to justify his actions and all that but XXXX is very bias and that's it. Typical hidden agenda type Finance manager that's explain why the times I visit the store there is real inventory at the lot and to why so many old used cars on there showroom floor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
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: Account status incorrect

Complaint:
In XXXX I provided equifax with a police report with fraudulent/identity theft account which was open with my personal information, after the first investigation equifax failed to do there due diligent, and they still left two of the accounts on my credit report, this fraudulent accounts are XXXX  XXXX XXXX and XXXX XXXX, equifax failed to provide me with information on how the dispute was conducted and information XXXX XXXX XXXX and XXXX XXXX provided such as a physical signed agreement or drivers license that was provided when these accounts was open but could not done so, but instead I was told that the only information that was provide to equifax was word of mouth, I filed a complaint two months ago and equifax stated that they was going to reinvestigate the accounts but never did. all I need is for XXXX  XXXX XXXX and XXXX XXXX and equifax to provide information such as physically signed agreement and copy of drivers license when these account was open. and if they do, the information would not belong to me because I never open those accounts with those creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Never Authorized credit inquires ( Not associated with an open account ) Identity Theft Victim!!!!

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 2021-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Capital One Credit and Debit Cards have significant delays in processing transactions usually 3 days or more resulting in over limit fees and negative account balances. I had paid my cc bill in full last month only for them to debit the amount from my checking account immediately but withhold the credit line for 7 days. During that time they allowed a charge to be processed with with no available credit resulting in over the limit fee and finance charges. I had a day on my cc recently where I made payments within 24 hrs. They were not posted immediately. My balance on my cc was {$83.00} XXXX the next day {$460.00}. I woke up this morning to a negative checking account balance because their system has significant delays and gives erroneous balance information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2021-02-13
Company: Experian Information Solutions Inc.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am making my payments on my valid accounts on time some how all my good standing accounts are showing payments not made but my creditors did not report missing payments. So everything that Im doing good the credit bureaus are reporting bad. On at least approx 7 good accounts. And their in dispute without me disputing and not showing what the dispute is. So my scores in one day went from XXXX to XXXX. This isnt right Im trying to build my credit from identity thief. Im trying hard from being stolen from and now the credit bureaus are cheating me. I am at the last part of getting a refi and this happen I just want to have good roof and my home to have some updates.

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 2019-02-07
Company: HANCOCK WHITNEY BANK
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am a co-signed on my daughters checking account. She was a victim of check fraud on or about XX/XX/XXXX. We have the police report and other info. We contacted Hancock Whitney bank and they started a investigation. My husband and i have a checking account there. And I am also on my XXXX year old mother account there. The fraud checks/scam were two checks totaling XXXX. The scammer requested money be sent back due to overpayment and my daughter did that. We understand that we need to make it right with the bank but they want there money in 10 days or they say they are gon na take my money out of my and my husbands account and if it isnt available there, they will take my mothers. We have offered numerous solution that would Benefitnthe bank and is without taking my mother only money she has. She is elderly and has medication and other necessities to buy. My husband receives social security and we cant make it without his money. I am a XXXX in XXXX. We have asked the local branch to let us discuss it with fraud division or corporate to come up with a solution and they refused. They said it has to be handled locally. We offered all document, emails, text from the number and email that was used for the scam. They refused to look at it. We offered police report and they said they didnt need it. We tried to remove myself off my mothers account to avoid her losing everything and they refused. They have treated us like crimson and second hand citizens since the day it happened. We have requested a unbiased arbitrater and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX XXXX account for months. Experian  and XXXX reported this error.. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2021-09-08
Company: TD BANK US HOLDING COMPANY
State: CA
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:
XX/XX/XXXX I received a email from my XXXX saying there was a credit inquiry. 

It was problematic because my XXXX account is frozen. I placed a freeze to prevent identity theft. 

When I called XXXX, they informed me that there are exemptions to the credit freeze, such as being in business with them because I have shopped there. I informed them I do not have any credit cards, and have never given them my information. How was it possible to inquire on my credit when there is a freeze and I was never contacted. to which they hung up on me. 

I would like this inquiry off my account as I did not do it, and I am still unaware of how anyone was able to inquire with my account being frozen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: U.S. BANCORP
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for a bonus that gives {$400.00} for opening a checking and {$100.00} for opening a savings after meeting the terms. I received the checking bonus, but did not receive the savings bonus. I have called and US bank is dragging their feet. It has been well over 60 days per the terms for me to receive the offer and they have not done anything to resolve this. 

This was offered online and in branch. I have also attached an online flyer that I found after US Bank couldn't keep up with their own offers. The phone agent said he saw the code attached to my account but it has been many weeks with no resolution.

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 2017-12-02
Company: Motolease, LLC
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: Account status incorrect

Complaint:
Motolease falsely reports accounts as derogatory/in collections for parties that never made a late payment and paid account off in full.

I had leased a motorcycle with Motolease. A year later my motorcycle was totaled by a falling tree. I immediately contacted the agency and made them aware of the situation. I maintained communication with the agency regularly as the insurance companies were working on paying off the remaining balance. A month and a half afterwards, I had received a call being told I was delinquent in my payments. I never made a late payment, the money was extracted directly from my account and the funds were always available. I explained my situation of a totaled motorcycle and how I was waiting on the insurance companies to pay off the balance. Despite how many times I repeatedly explained my situation, I was repeatedly asked why I should be treated any differently than others that can't make their payments. The conversation eventually became so frustrating I had to hang up and call back someone else. Eventually, I did manage to get someone to put my account on hold until the insurance companies could finish processing the claim. I didn't understand how there was any confusion with the account. I had provided Motolease with documentation and questions from the insurance companies from within the first week of the accident. After the insurance companies payed off the balance in full, I noticed that Motolease had reported my account to the credit bureaus as derogatory/in collections, with late payments. I contacted Motolease and had to get a higher level supervisor because I was having problems with other employees that were insisting my account was reported accurately. After speaking with the supervisor, I was told it would be corrected and reported as paid off with no late payments. A month and a half later, it reflected on my credit report as I was told, my account was now in a good status. The following month, just last week, Motolease reported my status back to derogatory/in collections. My experience with MotoleasXXXX has been horrendous, especially if I was to provide more detail. I seriously need someone to get this agency to correct things and quit harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
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:
On XX/XX/2021 I requested to have Equifax remove an account from my credit report. The company that is show up is XXXX XXXX The balance that is being reported is too high. I have them verify this information according to Section 609 of the FCRA requires you to send me copies of the agreement with my signature. That is the only satisfactory proof and I am yet to receive it.

The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: EQUIFAX, INC.
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:
I have filed two different times a complaint against equifax, equifax placed a fraud alert on my credit report without my consent, I did not ask equifax to place anything on my credit report, they did not ask my permission I want the fraud alert alert removed, equifax phone system when you try to call does not always gets you to a person that can help you, I have been hung up on, I want this FRAUD ALERT taking off my credit file, equifax stil has not took all the inquiries off my report either, this needs to be corrected by equifax, please have equifax remove this fraud alert as I did not give no one permission to add this to my file .abd the inquiries that is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Revolut Technologies Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have an account with Revolut ( US ) backed by XXXX XXXX XXXX in XXXX XXXX, NY. 

XXXX has locked me out of my account and the funds held there because I tried to top up an XXXX XXXX account to pay a friend for a meal. 

Theyve stated this is action against there policy and will not give me access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
So this guy I know decides to steal a check from his family member or his gf family I should say and decided to tear my name off a piece of paperwork in my vehicle to act as if I signed the back of the stolen check. He then deposits check into my NAVY FEDERAL CREDIT UNION SAVINGS ACCOUNT VIA MOBILE DEPOSIT. How do I prove I was not involved in this fraud and how do I clear my name? My account of 18 years has been closed and I'm probably facing a felony charge help what do I do? Not to mention I'm being treated like a criminal updates are nonexistent from my bank or authorities and I'm scared to death plus the guy is threatening me if I act on my knowledge what should I do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: EQUIFAX, INC.
State: CA
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:
Equifax intentionally creates false issues with their online system to evade providing free annual reports as required by law. This is done to manipulate online traffic flows into purchasing a monthly plan for {$19.00}. Their homepage is a landing page to offer these overpriced services. They stuff the link to request your free credit report in barely readable 8pt font in the footer, hoping to exhaust visitors into enrolling in their plan instead. 

Once you actually find the link and proceed with requesting your free report you jump though hoops only to discover that they are " UNABLE TO PROVIDE IT ONLINE '' and that you are required to send them your social security card and various information in the mail to obtain it. Attached is evidence of this. 

Furthermore, I have been attempting to dispute a fraudulent collection on my report and Equifax 's system is unable to handle it online, again. They then direct me to a manual link to reenter my information and then request the Account / Case Number for the dispute which can only be obtained from the credit report that you can not access. They identify consumers attempting to fix their credit via AI and then they segment them into having these issues that exhaust them into a purchase. I bet their conversion rates are quite good. 

Do you see what is happening here? They are attempting to force consumers to purchase their monthly program in order to dispute inaccuracies. 

I feel that a class action lawsuit may be necessary for Equifax 's manipulative and unethical business practices. Because of my industry knowledge, I can easily see the unethical marketing patterns that are being used to take advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
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:
The reported JPM Chase accounts on my credit reports are a duplicate of another account shown on my reports for another company, XXXX XXXX. Reporting an account or accounts denotes collection efforts. JPM Chase has asked me to even call their Recovery Group. As the purported original creditor who has sold a charge-off or collection account to another lender or agency, JPM Chase technically does not have the right or vested interest to continue to report the negative accounts to the credit bureaus. Both companies are trying to collect from me, and it isn't right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Experian Information Solutions Inc.
State: OK
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:
There is a bankruptcy XXXX XXXX being reported on my reports, and it is incorrectly reported, and the refuse to remove the bankruptcy.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have a checking account last year 2022 got closed because I deposit a check it was so large suddenly got closed due to this check.

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