BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Sat. XXXX XXXX at XXXX XXXX  EDT received a text from Capital One saying " Thanks for giving Capitol One your mobile number. You XXXX get texts with important info about your account from XXXX or XXXX. You also now have access to XXXX, your Capital One assistant. You can talk to XXXX by sending a text to XXXX. Reply HELP for more info. Reply STOP if you don't want to receive text messages from Capital One. Msg frequency varies. Msg & data rates may apply. '' This text alert was not solicited but I assumed it was phishing so I didn't click on anything and ignored the message. 

That is until I checked my emails and found a new message from Sat. XXXX. XXXX at XXXX XXXX  EDT titled " Congrats! Your new XXXX Checking account is open. '' I called Capitol One on Monday XX/XX/XXXX around XXXX XXXX. They closed the account, and told me to destroy the debit card that was already on its way ( I received it XXXX XX/XX/2023 ) and were unable to tell me who or how this account was opened under my name, phone number, and home address. I have never banked with Capitol One so this checking account being opened under my name was very suspicious. 

I would like to know who/how this happened, if possible. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX # XXXX XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXX  # XXXX XXXX Account name : XXXX  # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: LA
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 XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 USC. 1681 section 602A. States I have the right to privacy.

15 USC .1681 section 604A section 2 : It also states a consumer reporting agency can not furnisha account without my written instruction.

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 2023-03-03
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I believe I am apart of the Wells Fargo settlement and I havent been contacted yet i my mortgage was financed through them in 2011 and they did an unlawful loan modification to keep from foreclosing on my home and now I cant draw equity because it put a {$36000.00} lien on my home which I wasnt aware of when I signed up for the loan modification

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 2021-01-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Date : XX/XX/XXXX Amount : {$180.00} Date : XX/XX/XXXX Amount : {$2300.00} Date : XX/XX/XXXX Amount : {$38000.00} Action Taken : Yesterday, I contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXXXXXX XXXX  to inquire if the disputed/questioned/ challenged/ or still unproven compliant information YOUR firm is required to provide to them was being processed. I was aptly informed that none of the above-detailed entities agree that you acted LAWFULLY much less COMPLIANTLY to federal reporting laws upon dispute/challenged/or compliant of possible mis information upon a consumer credit report. Fact is, per these entities above listed, absolutely NO SUCH information had been received by them from you! UNMISTAKABLY, This is a clear breach of the FCRA and the FACT act not even to mention irrefutable ignorance to the mandates of the Metresult of the CRSA. 

I am VERY KNOWLEDGEABLE of my consumer rights and most importantly of your MANDATED OBLIGATIONS as related to consumer complaints. NAMELY you are required to transmit this information to the creditor in a federally defined timely fashion and ensure the creditor responds back equally in the federally defined timey fashion. OBVIOUSLY, to me, YOU, and likely JURISDICTIONAL CIIVL COURT to which I might elect to file suit versus you b your infringements, in this case you have failed- MISERABLY so in fact! 

FURTHER, YOUR that your failures AND THAT OF THE ABOVE NOTED ALLEGED DATA PROVIDERS is undoubtley and clearly significantly impacting my credit score. 

Experian is also purposely sending an automatic generic response to delay and stall their response to send me what I am asking for. I am representing myself only. I am NOT a third party entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Nelnet, Inc.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I dont know dates. But I have spoken with them a few times and they have me make {$5.00} payments then act like they dont get them. They told me after 6 or 9 months of consecutive payments I would be good and theyd help me further. After all that they started saying I wasnt paying. And then I get bills for {$100.00} and more payments to be made. The name is something education.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have submitted the necessary supporting documents and I implore you to conduct a thorough investigation into this matter without delay. It is imperative that you take immediate action to remove the fraudulent inquiries from my credit report,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10
Company: Experian Information Solutions 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:
Ive been fighting to two collections on my consumer report. Both are listed as XXXX XXXX XXXX problem we dont know what that information relates or who it relates too but we know its not us. This is being disputed at Experian and XXXX and needs to be removed.

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 2021-03-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My personal information has been compromised and I've reached out to all 3 credit bureaus for correction and never received any response. The following accounts reporting are fraudulent and don't belong to me nor did I give anyone permission to use my information. 

1. XXXX  XXXX  XXXX  ( XXXX XXXX ) Balance {$1700.00}.

2. XXXX XXXX XXXX/ XXXX  XXXX  XXXX  Balance {$590.00} 3. XXXX  XXXX  County {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions 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:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: RoundPoint Mortgage Servicing LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is not the first time RoundPoint has taken service of this " loan. '' RoundPoint first took service of this loan on XX/XX/XXXX. RoundPoint, the current servicer, undertook the loan on XX/XX/XXXX. This loan continues to bounce around due to the servicers ' negligence to file the proper documentation with XXXX XXXX. agencies, specifically, the tax accessor 's office and property clerk 's office. 

Formally, I demand all qualifying correspondence between XXXX XXXX XXXX and RoundPoint to be made in writing to the mailing address provided herein. Only a certified letter sent by me to RoundPoint will reverse this demand. I am making clear my desire to have my mailing address and phone number updated with RoundPoint in writing, because an employee of RoundPoint failed to do so during a phone call made by the employee and subsequently received by me on XX/XX/XXXX at XXXX, which lasted 4 minutes and 52 seconds : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX ( cell ) Transfer of Service And History of " Loan '' XXXX - XXXX took service of mortgage XX/XX/XXXX? -XX/XX/XXXX - Transferred to XXXX i. Issued XXXX Cancellation of Debt XX/XX/XXXX ii. XXXX filed on XX/XX/XXXX IRS Tax Forms on XX/XX/XXXX iii. Letter sent XX/XX/XXXX informing me the property taxes were paid by XXXX on XX/XX/XXXX. Sent by XXXX XXXX. Revenue Collections Department. ( XXXX ) XXXX. 

XX/XX/XXXX - Transferred to RoundPoint i. Agreement to Deed in Lieu of Foreclosure never sent for recording XX/XX/XXXX - Transferred to XXXX XX/XX/XXXX - Transferred to RoundPoint XX/XX/XXXX- 2 Phone Calls made to RoundPoint, established : Loan Number is : XXXX ( call on XX/XX/XXXX at XXXX ). 
Correct mailing address was given during phone call on XX/XX/XXXX from XXXX. Wasnt updated in the system. Updated mailing address during call to XXXX on XX/XX/XXXX at XXXX. 
Requested welcome letter. Never received one due to negligence and failure of RoundPoint to update address during phone call made by RoundPoint on XX/XX/XXXX. 

As seen in the timeline, XXXX issued a XXXX " Cancellation of Debt '' for the entire amount on the lien. This XXXX was filed on my XX/XX/XXXX IRS Taxes on XX/XX/XXXX. 

XXXX XXXX. shows the property titled in my name and without any lien ; I own the property free and clear of any lien. Given that XXXX, at the behest of XXXX XXXX XXXX, issued a XXXX cancelling out all debt associated with the loan, proper documentation must be filed with XXXX XXXX. agencies properly titling the property to XXXX XXXX XXXX. 

Otherwise, stop and discontinue further collections attempts and provide me the title to the property located at XXXX XXXX XXXX XXXX, TN 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 2023-02-24
Company: Block, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2023 I attempted to charge {$2000.00} at a car dealership using my cash app card. Although the funds were in there, the transaction was declined. When I went onto the Cash App site there was a statement that they were having connectivity issues that were resulting in transactions being declined. As a result, I was unable to proceed with the transaction and left the dealership. However, later that night I went into my cash app site and saw that the {$2000.00} was taken out of my account. On the app it still has the transaction as declined, but the money is gone. I called cash app on XX/XX/2023 and they continue to say that the money was sent to the dealership I have spoken to the finance department from the dealership they continue to say that on their end it is showing the payment was declined and they have not received the {$2000.00}. Cash app is now saying they will put in a dispute. However, it will take up to 45 days and they still can not guarantee a refund. I need the money refunded ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In late XXXX, I opened a XXXX XXXX XXXX Mastercard with Barclays. At the time, the advertised bonus off was XXXX bonus miles if I completed {$3000.00} worth of purchases and paid the annual fee within 90 days. I did this and Barclays has repeatedly acknowledged as much. To date, I have received only XXXX bonus miles. This appears to have been an error or some sort of system glitch. The same thing has happened to my wife who has also been unable to get the matter resolved. 

We opened our accounts months ago to obtain enough miles to pay for international flights at the end of XXXX. The flights are quickly becoming increasingly expensive and we need this resolved ASAP. 

I have been repeatedly contacting Barclays to obtain resolution. I was initially told it would be resolved within 30 days, which was XX/XX/XXXX. Resolution had not occurred and so my wife and I called in and spoke with a XXXX. The XXXX said he would personally call me around XX/XX/XXXX, to follow up on whether there had been resolution and that if I hadn't heard from him or gotten resolution to call in. I did so, spoke to another XXXX and was told it would be resolved within a few days. Another week went by without any resolution so I called back in on XX/XX/XXXX. To date, I have not received my additional XXXX points and my wife has not received hers on her separate account either. At this point, I have no choice but to conclude I am being stonewalled by Barclays in the hopes I will get tired of trying to fix the issue so that they do not have to give the points they promised.

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 2023-04-10
Company: Lendmark Financial Services
State: MD
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:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: M&T BANK CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Mt & t bank balance due {$620.00} someone went to the teller and cash a check to my account but the bank on XXXX XXXX in XXXX do not no who did it where the account was open in newyork my name and address was not on that 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
Consumer complaint received 2020-11-29
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXXI was a XXXX  at college and wanted to move off campus for the XX/XX/XXXXyear. I found these apartments and me and a group of friends went to tour the apartment. The tour guide offered us interest papers to sign to hold our place but in no clear terms did she mention we were signing over our right to that apartment complex. Because I was an early age of XXXX I had no proof of income and no credit so I needed a guarantor to be qualified to move in. My guarantor declined my request which resulted in me not moving in. A couple of months later I get a collections call saying I owe the apartments complex almost XXXX XXXX dollars. I was never notified of this, I was never offered room keys, and as far as I knew my application was never suppose to be processed because it was incomplete due to my missing guarantors signature. I have had to suffer for the last 3 years because of this. I was homeless for about a month because an apartment complex I never lived in. This is not right, then to make things worse, Ive come to find out my room that I had planned to move in was subleased out during the semester, so how can two people lease out the same 1 bed room apartment. This has blocked me from getting my first car in my name, I can not get support from banks, I also have trouble finding my own place to live in my name because of this. I literally have to depend on others now because to everyone else I'm not dependable because of an apartment complex who wanted to get over on a uninformed college student. I have been dealing with this for 3 years and I still have 4 more years of torture to go, so at this point all I'm asking for is help on how to get out of this quicksand situation.

Company response to consumer: Closed with explanation