BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-09
Company: WELLS FARGO & 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:
I have a hard inquiry on My XXXX  and XXXX credit report as of XX/XX/2019 from Wells Fargo. Wells Fargo says they never made an inquiry and to call XXXX to take it off there is nothing Wells Fargo can do about it. XXXX says call Wells Fargo and only they can take it off. Each person is pointing the finger at the other company and no one will help me get it off the report. 

As far as XXXX goes someone fraudulently made a Credit Card application from Wells Fargo and the Hard Inquiry in on there from Wells Fargo. Wells Fargo says they only made the Hard inquiry to XXXX and not XXXX. Wells Fargo has found that the application for credit was fraud and the XXXX inquiry on my credit report should be removed but they told me to contact XXXX to do it. XXXX told me only Wells Fargo can has the inquiry removed. Again each company pointing the finger at the other. I want this resolve with both inquiries removed ASAP.

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 2023-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Capital One Auto finance charged off a car in XXXX of 2019. According to the Fair Credit Reporting Act, when a creditor has written the account off as a loss the account is closed to future charges. Since I have recently disputed this account it now appears that I have 2 charged off reposessions. I would like this removed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Two years ago I lost my wallet and received a new XXXX  XXXX card in the mail and instead of them sending me a new card with the same old account and balance they sent me a new card with a new account balance so in 12 months after Ive had the new card I paid my card off and so one for XXXX  XXXX say I have a unpaid balance that has been late for 11 months that I did not know about because they sent a new card with new balance upon resolving the situation with XXXX  XXXX and closing the accounts XXXX  XXXX says that they took the late payment off of my credit but trans Union and XXXX are still reporting wrong information on my credit report stating that I have 11 months of late payments with XXXX  XXXX witch are not true I spoke with XXXX  XXXX today XX/XX/2022 at XXXX am and they says there are no late payments on my credit and I am in good standing with them the wrong misreporting information From Trans Union and XXXX has been getting me denied Home loans and business loans from my bank and other Financial institution

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 2023-04-12
Company: Experian Information Solutions Inc.
State: MT
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:
Via the attached Certified letter which Experian acknowledged to me via email receiving on or around XX/XX/XXXX, Experian failed to address two of the inquiries as follows : XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/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 non-monetary relief
Consumer complaint received 2018-03-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My husband and I returned from vacation on XX/XX/XXXX and upon opening our mail we discovered a lot of our bills had been doubled, I called the bank and non of the checks had been cleared and rather than place a stop payment I was advised by the bank to call the USPS to see if they've been having any issues. I called the USPS and I was told they had been having a lot of mail theft. I went to the bank and closed and opened accounts and the following day XX/XX/XXXX. I filed a claim with the USPS and I called all of the consumers and informed them of the mail theft and took care of my payments with my new account information and thought all was well. We are in the process of refinancing our house and on the credit report XXXX  XXXX XXXX reported us being 30 day late, which is affecting us from refinancing our home. I've called XXXX XXXX XXXX numerous times, I spoke to XXXX on XX/XX/XXXX and  she spoke to her manager XXXX and I was informed they were filing a claim with back credit office. I was told to follow up in a week, I called XX/XX/XXXXand spoke to XXXX and she was advised by her manager XXXX to fax over any documentation that I had regarding this matter and to call her to inform her that I had faxed over the information. I would constantly get her voicemail leaving messages and after several days XXXX called me back on XX/XX/XXXX,  asking me what all had happened and he said unfortunately when I had called the first time and they wrote the credit department they did not include detailed information. XXXX told me he would then submit a new request. XXXX called me the following day informing me that my claim had been denied. He then explained that once it's been reported as a late payment it's difficult to reverse due to the auditors. I asked how is that my fault and that this is something we couldn't control, how can we control mail theft. XXXX said I had other alternatives ... he said I could of done banking online and automatic payments and he kept referring to his auditors. I am a consumer and I am being affected due to mail theft, something that was totally out of our hands and XXXX XXXX XXXX saying I had other alternatives. The USPS has made it clear that they've been having issues since XX/XX/XXXX. I asked the Post Office why they haven't posted anything on the drop box informing everyone and I was told it is government property so they are not allowed to. We have lived in our home for 18 years, we have plenty of equity and all we are asking is that the 30 day late be removed and corrected with the 3 bureaus, Experian, XXXX and 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 2023-10-12
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: MI
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:
THE FOLLOWING INQURIES ARE UNAUTHORIZED -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-17
Company: Resurgent Capital Services L.P.
State: NJ
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 disputed multiple items on my credit report and they came back verified and I sent notice of only one Address and name and they also refused to remove the others

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I filed a dispute about the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was not working for a short time over the summer but was staying up on my payments. I did not realize I had a couple return payments and when I went to make a payment today ( XX/XX/2018 ) Capital One ( credit card ) informed me they had closed my account on XX/XX/XXXX and I was not aware of this. I also spoke with a customer service representative less than a week before this and was never once informed my account could be closed or would be closed if this was not taken care of. 

I let them know I was calling to make a payment and wanted to take care of any issues on the account. They said they were happy to take my payment but could not make any promises that the account would be reopened. This does not make any sense. 

The issue is why would I or anybody want to make a payment and take care of the account if they are not going to reopen it. I would prefer for it not to go to collections for 7 years and get written off but I also am not going to make a payment if they are not going to reopen the account. The lady did say there is a chance they would reopen the account after payment is made but they could not make any promises. 

The only options available to me were to make a payment and see if they reopened the account or to not make any payments at all and just let the account stay closed for good and just let the collections go which is ok by me if that's how Capital One does business. If they are not willing to reopen the account than I don't think it makes any sense for anybody to continue to make payments. It seems to make sense though for Capital One to allow me to pay on the card and reopen the account and it would be a win win for everybody. Instead we aren't getting anywhere and there is no real winner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2020-12-02
Company: Paypal Holdings, Inc
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
To whom it may concern, My name is XXXX XXXX XXXX. I am in the United States XXXX. Im a XXXX in the XXXX. I have been in for 14 years. I recently was scammed by possibly two persons. One person is from the state of Florida. 

I was looking for a house rental here in Hawaii and I reached out to a person by the name of XXXX XXXX XXXX. The listing was located at XXXX XXXX XXXX XXXX. XXXX, XXXX Hawaii. The unit was fully furnished, and the rent was {$1600.00} with a security deposit of {$1500.00}. I was told the unit wasnt available for viewing until the XX/XX/XXXX. I was then told to send over the money via PayPal as a downpayment, but I was able to retrieve my money back in the event I was dissatisfied with the listing. I stupidly sent the money over, via PayPal as instructed ( totally {$3100.00} ). I then began wondering a lot more questions and became suspicious. Unfortunately, the money was already sent to the user. The money was sent to the owners/landlords ( XXXX XXXX XXXX, XXXX ), his daughter, XXXX XXXX. I was able to find information on XXXX. She lives at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I found a number on file as well : XXXX. The email associated with XXXX PayPal account is : XXXX. I wasnt able to find any information on the XXXX XXXX person. However, he has been emailing me constantly since I contacted PayPal to try to retrieve my money back. Unfortunately they said they were unable to assist me as when I sent the money using friends and family it voided the Buyer Protection. I contacted my bank XXXX XXXX XXXX to try to refund my money. The investigation is still pending. I have gathered enough information to go to the local police, however, since the information for XXXX XXXX says shes located in Florida, I wanted to also make a complaint/fraud report on her. 

I believe either XXXX or XXXX may also have a XXXX XX/XX/XXXX account, the information is as followed : Bank Name..XXXX XXXX Account Name..XXXX XXXX, XXXX Account Number..XXXX Routing number ... XXXX Acct type ... CheckingBank Address..XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX I have all the documentation to prove what I am talking about. 

Can someone from your department, please send me a confirmation email you received this notice? If you require any supporting documentation, I wont hesitate to send it over. 

I want this scammer to be stopped. I am currently out of {$3100.00} and have to wait for my next 2 paychecks to save up enough to find a place to rent. This has caused me a great financial hardship. 

If you need to contact me, my information is in the signature block. 

v/r XXXX XXXX XXXX XXXX, SC United States XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called the bank due to unauthorized charges from a XXXX service since XX/XX/2018. Chase bank was only willing to refund me XXXX charges since XXXX till XXXX when in reality most of the charges happened in XXXX. There was about {$120.00} that was charged on my card in one day and their l fraud department failed to do the investigation work to refund me the unauthorized charges. When I told the representative why she didnt go back 60days from today she said thats not how it works. When I asked her if I can file a different claim she said no. Basically unwilling to work with me and gave me attitude for something that was not my fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-17
Company: Payward Ventures Inc. dba Kraken
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Scammed by meeting someone on XXXX online dating platform for about 4 months. Several wires sent to XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX and principal is held up in XXXX XXXX trading platform and XXXX. 

Bank Transfers : XXXX - $ XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX - $ XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX - $ XXXX on XX/XX/XXXX XXXX XXXX - $ XXXX on XX/XX/XXXX XXXX XXXX XXXX - {$1000.00} on XX/XX/XXXX Wires to XXXX XXXX XXXX : $ XXXX on XX/XX/XXXX $ XXXX on XX/XX/XXXX $ XXXX on XX/XX/XXXX {$33000.00} on XX/XX/XXXX {$75000.00} on XX/XX/XXXX Wires to XXXX, XXXX : $ XXXX on XX/XX/XXXX $ XXXX on XX/XX/XXXX {$13000.00} on XX/XX/XXXX $ XXXX on XX/XX/XXXX I've made a local PD report as the person that fake relationship I had with a party provided a fake drivers license to me. I've filed a complaint with 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 explanation
Consumer complaint received 2019-03-19
Company: BANCO POPULAR DE PUERTO RICO
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2019 a case was sumitted to BANCO POPULAR of Puerto Rico to evaluate.. 
On XX/XX/2019 It is confirm with the Bank that they received all the documents. 

On XX/XX/2019 The case is completed and in the process of evaluation. 

XX/XX/2019 My Realtor spoke to Banco Popular and the person in charge of the case was not present that day but her secretary said my Realtor that XXXX XXXX XXXX will return the call but she never did it.. 

XX/XX/2019 the property appraisal came, 52 days have passed and BANCO POPULAR do not approve the case ...

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have called several times to transunion, XXXX and XXXX  regarding this fraud. I have sent them all the documentation they require to block the fraudulent information and they have not done so within the 4 day requirement which by law states 15 US code 1681c-2 " A consumer reporting agency shall block the reporting of any information in the file that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days ''

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 2023-11-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXXXXXX  I mailed a certified letter to Experian requesting the method of verification they used to verify the accuracy of these accounts ; 1 ) XXXX XXXX- {$950.00} 2 ) XXXX XXXX XXXX XXXX ( 4 accounts ) 3. ) XXXX XXXX  4. ) XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX VA XXXX Experian reopened a new investigation upon receiving the request for method of verification used to verify the investigation which was opened in XX/XX/XXXX and sent to me a notification today on XX/XX/XXXXXXXX   the accounts were updated which is not what I requested from them. This issue has been ongoing since XXXX  and I have letters and certified letter mail copies of the requests for the method of verification used to make the decision these accounts were verified accurately but they have refused to comply with the requests.

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 2023-03-17
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to dispute several items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified the following negative information that needs to be corrected : The personal information associated with account number XXXX, XXXX, XXXX is incorrect. This violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to provide accurate and complete information about me. Therefore, I demand that it be removed from my credit report immediately. 

The personal information associated with account number XXXX, XXXX, XXXX is also incorrect, which violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ). This is not my name, and I demand that it be removed from my credit report immediately. 

The personal information associated with account number XXXX XXXX is also incorrect, which violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ). This is not my name, and I demand that it be removed from my credit report immediately. 

There is an inquiry on my credit report from XXXX with a date of XX/XX/XXXX. I have no recollection of authorizing this credit pull, and it violates my rights under FCRA Section 604 ( a ) ( 3 ) ( B ), which requires that a credit reporting agency may only furnish a consumer report for a permissible purpose. Therefore, I demand that it be removed from my credit report. 

Additionally, there is another inquiry on my credit report from XXXX with a date of XX/XX/XXXX. Again, I have no recollection of authorizing this credit pull, which violates my rights under FCRA Section 604 ( a ) ( 3 ) ( B ). Therefore, I demand that it be removed from my credit report. 

I kindly request that you investigate these issues and take appropriate action to remove these incorrect items from my credit report. As required by FCRA Section 611 ( a ) ( 1 ) ( A ), I have attached a copy of my credit report, highlighting the above-mentioned items, for your reference. 

Thank you for your prompt attention to this matter. 

Sincerely, 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