BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
A man came to fix my furnace. He told me to pay him advance for the services, he said he would buy the part and then return to my home to fix my appliance. I paid him through XXXX XXXX. The man never returned- it seems now that the man has run this scam on others before. I paid him {$120.00}. My house was cold, I found the part myself, I fixed my furnace myself. I was assured by Bank Of America that I could submit a claim and my money would be recovered. Bank Of America waited 90 days to tell me my claim was denied. I submitted proof that the man never fixed my furnace again, Bank Of America waited another 90 days to tell me this second claim was denied. BOA says XXXX XXXX is a third party and they can't recover the money through them, it can only be recovered from a vendor. By now, XXXX XXXX has most likely considered my claim too outdated to consider. The man has scammed me, Bank of America wasted my time and XXXX XXXX considers the claim too old to investigate. 

The learning lesson is to not pay people in advance for work. Also beware that Bank Of America will not always refund your money as they say ( you are not always guaranteed through BOA ) and XXXX XXXX will not work in favor of the buyer.

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 2021-05-03
Company: EQUIFAX, INC.
State: FL
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:
This letter is a formal complaint that Credit bureaus is reporting inaccurate and incomplete credit information. 
I am distressed that have included the information in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate in a timely matter is its been over 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Transunion is IMPOSSIBLE to work with. I am having identity theft issues and their phone system automatically hangs up on you. Their chat system NEVER connects to an agent and their online tool to freeze credit does not work and routes you to the phone number which doesn't work. This has been going on for 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 2021-05-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
As per lender the late payment reported are incorrect and lender has request on XXXX XX/XX/XXXX andXX/XX/XXXX ( more than once ) to delete late payment from all 3 credit reporting companies and but its not removed from the reports. I have contacted all 3 credit bureau but they says they have not received any such communication but when i talk to lender they says they have already communicated to delete from credit report. 

I am going through this loop again and again and no solution yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains late payments reported on my credit report for my Capital One Credit Card account.

I want you to know that I understand my financial obligations, and if it werent for unforeseen circumstances Id have an excellent repayment record. I made a mistake in falling behind, but since then Ive had a spotless record of on-time payments. 

Im planning to apply for apartment, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 account is listed on TransUnion current Account owner as XXXX XXXX XXXX for XXXX XXXX XXXX # XXXX Also, listed on XXXX as current Account owner as XXXX XXXX. 

This is not my account my account. I did receive any mail with the opportunity to dispute. Please provide validation of the debt, method of verification and Assignment of debt. Please Delete ASAP # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
In XXXX of XXXX I discovered my account ending in XXXX was no longer available for view on my online account. I called Capital One and they informed me that my account was closed by the credit reporting agency due to my account being opened fraudulently. I never received a letter or warning regarding closure of my account my first time having any knowledge was when I called to inquire. Fast forward to XXXX Capital One has refused to reopen my card and is now reporting a new card ending in XXXX. I've never had a card ending in XXXX only XXXX. Is this legal? When I called to inquire why the card number was different they told me it was because of the " fraud '' placed on the account. I just want clarity why my account number was changed without my consent or acknowledgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with XXXX -  partial account numbers XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2021-01-22
Company: EQUIFAX, INC.
State: PA
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:
XX/XX/2021 Equifax credit reporting service I should them exactly what was wrong ( fraud ) on credit report and they said they investigated but did nothing. I asked to see how and who they did investigation with and told known of my business. They are committing federal crimes that start with FCRA. I told them about a XXXX dollar collection with XXXX XXXX XXXX. but they did nothing. This company says I owed univeristy of Maryland XXXX dollars off of XXXX XXXX dollar stay. This company never sent bill, never calked me, cant produce what bill is for and it is then calked fraud. Every other agency deleted from this colkection company but equifax. They are just asking them ( i think ) if debt is right and not asking for information needed to prove ut is a collection. I would have paid in one second not to take 40 hours to tell them this company diesnt care it us breaking the law. 
2. American XXXX has me on charge off and late payment but with no proof either. I can write same things but just go back and see how equifax is breaking federal and state laws. 
3. XXXX had feaud account 7 years and 4 minths ago but equifax want take off my credit. They sent whoever a new card because whoever did it driver XXXX dollars in one month so they sent new card snd it doesnt show what hapoened before new card was sent too XXXX. It needs to go and alk things that goes with XXXX on credit report. 
Last 4 different companies made hard inquireys that were fraud or got info trying to get loans off my name. 
FCEA says equifax needs signature, ids and proof it was me that tried to get lians. I will tell uou whst companies got fraud on inquierys. 
XXXX XXXX, equifax mortgage, XXXX XXXX XXXX and XXXX XXXX all were fraud to try to get loans and made hard inquierys. Equifax is in XXXX and doesnt avide by usa law. If they did this infomartion would be off repirt like the ither 2 repirting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
wed the XX/XX/XXXXi go to use my card the chip clearly is not working as 2 stores cant get it thru wasting my time. this is card ending XXXX i get rid of card and after waiting on hold way too long order a new one.i then notice online its not showing i called today just now this is MY TIME. all this due to bank problems as this was not my first card with chip issues. i call today and XXXX spent time looking at my XXXX XXXX  card not my XXXX. as i requested and entered into the ssytem i want a new account i want not to waste my time this fiasco has wasted my time please check i have a new card and its expedited and no more chip issues sorry to use this system but my time matters even if the bank does not agree or care no calls please just reissue my card without costing me more time and XXXX due to your problems. you want your money every month but dont see my time as valuable as such i will use this card minimally due to time its cost me and lack of trust

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 2023-05-18
Company: Aldous & Associates, PLLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Aldous XXXX XXXX, XXXX. Added a fraudulent collection to my credit report and I have never went to blink fitness

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on JEFFCAPSYS. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the erroneous account reporting on my Credit Report : JEFFCAPSYS - Acct. No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$540.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22
Company: Social Finance, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a credit card/ mobile banking card that I did not apply for. This account was Open without my authorization. The company has several different address on the credit report SOFI Lending Corp phone number XXXX I did call them And asked for a copy of the application and they refused to give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Opened an account with Wells Fargo online, Max initial deposit limit is {$500.00}. This initial deposit of {$500.00} was transferred from my primary bank ( XXXX XXXX XXXX ) to my new Wells Fargo account with no issues on XX/XX/2021. 
Three days later on XX/XX/2021 after my initial deposit posted in my Wells Fargo account I transferred {$2000.00} from the same XXXX XXXX XXXX account into my new Wells Fargo account. Unlike the initial deposit this transfer was flagged by the fraud department at Wells Fargo. I was notified of this issue by a Wells Fargo fraud agent ( at least that's what he claimed to be ) via a phone call on the evening of the XX/XX/XXXX or XXXX 2021. I informed this person that I was not going to answer any questions about my account to an unsolicited phone call and to inform me of any suspected issues via email and I would call him back. The next day my online account was frozen by Wells Fargo and a hold was placed on the {$2000.00} dollar transfer. 
Since then I've spent approximately 10-15 hours on the phone with Wells Fargo and have taken time off of work to meet with a banker ( Covid regs require an appointment ) in a completely different town because of no available appointments for 6 weeks in my town. 
It is now XX/XX/2021 and I still have no idea where my {$2000.00} dollars are.. Wells Fargo claims they sent the {$2000.00} back to XXXX XXXX XXXX XX/XX/2021 and the issue is XXXX XXXX XXXX and XXXX claims Wells Fargo never sent it back and its Wells Fargo 's fault. Thank XXXX I'm not living paycheck to paycheck or I'd be living on the street.. Any assistance would be greatly appreciated. Thank you in advance. 
BTW we've been members with XXXX XXXX XXXX for 40 years and they have offered no help.

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 2022-12-27
Company: EQUIFAX, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX/DEPT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
For my account XXXX, it was closed effective XX/XX/XXXX. In this instance, they have about {$1400.00} left in my account between my check and my other savings. They told me a cashier 's check would be mailed on XX/XX/XXXX with the leftover funds. I talked to them today with no clear cut answer. Please follow up.

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 2020-10-31
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an account with Franklin Collections that is not mine. I called them yesterday and the woman I spoke to was extremely condesending and I tried to explain to her that I had never had services with the company they said I owed. I told her that I wanted something showing my signature because again I had never had services with XXXX XXXX. She tried to dismiss me and told me to send them something in writing and they would forward it to the company for research. The rude woman I believe just wanted to get off the phone with me and I am worried that the certified letter I am sending will not get forwarded to the company. It is not my debt!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: EQUIFAX, INC.
State: TX
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 filed complaints on a item reported which was not a valid debt, the charges made to the card were for car repairs which were not authorized and did not resolve the issue of the check engine light being on. Additionally the credit card company XXXX XXXX XXXX continued to charge interest and late fees well after the account was charged off to a total of {$1000.00} in late fees and additional interest. The credit limit on the original card was {$2100.00} the total amount finally charged off as bad for the unauthorized charges and work on the car was {$3100.00}. Upon review I did not sign or authorize the use of my name on the credit application. XXXX XXXX  XXXX responded in writing to me and removed the information from XXXX. I am certain they also submitted the information to Equifax and to XXXX. Equifax is still reporting the incorrect information.

Company response to consumer: Closed with explanation