BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 am filing this complaint because I have 2 missed payments on my Capital One credit card that is holding me back from getting approved for housing. I received these missed payments during the pandemic Covid-19 when my family was suffering drastically. I had got laid off from my job and struggled with finding another source of income. This has affected me heavy as I am struggling to make a living for my family. We are XXXX, so please fix this issue as soon as possible. The rest of my pay payments have been on-time out of the 2 years I have had this Capital One card. Also, I have already sent out multiple Goodwill letter to fix this issue. I just want this problem resolved so my family can have a place to call home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried to place a freeze on my credit four times now using the Experian website on this day XXXX/2017. Each time they have declined my request and told me to send them something by mail. I can not find a customer support line to resolve this issue. Considering the XXXX breach, I would think being able to place a credit freeze would be simple enough. Both XXXX and XXXX have allowed me to do so without much hassle.

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 2019-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, I was charged $XXXX  for shipping on a pair of shoes using XXXX on SundayXX/XX/2019. The person selling the shoes contact me via social media (XXXX XXXX XXXX) and had told me that I had to pay for shipping and that I could do that through XXXX. He gave me the information I needed to process this payment, I then realized that the person selling the shoes was a scammer and in fact I was not going to ever receive any shoes. I processed the payment through my bank mobile app that provides the use of XXXX. Being a first timer, I thought I had protection and ability to get this money back or at least cancel the payment from processing the payment placed if anything like this happened. My bank, Bank of America is not willing to help cancel the payment or refund me this money and would like to receive help to get this money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: DISCOVER BANK
State: TX
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:
With no warning Discover placed a hold on my account. My accounts have never late and i have had my credit cards for years. They are requesting a 4506 t through a third party which is XXXX. XXXX has had the biggest breach in credit reporting history. They do not offer an alternative for this and basically say if you do not comply they will close said account, which will reflect on your credit in several ways that will detrimental to the credit reporting. As a consumer and business owner this is not only breaching privacy policies and not allowing for any privacy. THIS IS AMERICA and although they are extending the credit, to force the consumer to give a 4506t is criminal. XX/XX/XXXX can claim to protect information. We all know that is not true. Based on their previous performance. 
This procedure is not one that can be trusted. The law also does not permit that you file taxes every year. with that said Discover has locked cards and did not warn the consumer before.. I am blessed i was not out of town or my son who is an authorized user was not using the card and not out dining to be declined. Please look into these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Aargon Agency, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX XXXX  to inquire how utilities were turned on in my name in Pennsylvania. I am a South Carolina Resident. I was informed that a caller with my information was able to obtain utilities using my name and social security number. I was told there was no identification verification conducted. No photo identification or signature was obtained from XXXX XXXX before starting this account. This debt does not belong to me. I have tried to explain this to the Argon Agency as well as XXXX XXXX. This debt remains on my credit report fraudulently. Please provide proof of ownership such as a lease with photo Id and wet signature or remove from all credit reports.

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 2020-11-19
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:
We are trying to get in contact with the mortgage company but the company does not have a valid phone number anywhere and they are not able to work this out. We have shown multiple late payments on the credit report only from one bureau hurting our chances of better options in our refinance for a VA loan. We need this correct as soon as possible to be able to save on the interest rates that are available right now. We even received an affidavit from the military giving voluntary surrender of the property due to my health conditions which Oriental received and should not be reporting this information. Please see images attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Capital one is not provide accurate information to XXXX XXXX and XXXX regarding credit usage and payment history regarding my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt. from a health care company turned over to collections with Transworld Systems Inc. I paid this account in full and it is marked paid with a XXXX dollar balance on all of my credit reports. XXXX  agreed to remove it from collections on my credit report since it had been paid in full and the original balance was only {$130.00}. However, both XXXX  and XXXX   refused to remove the item from collections on my credit report, even though the account showed a XXXX dollar balance on both reports. Both comapanies told me they could not do anything for me unless XXXX XXXX XXXX sent them and electronic agreement that they wanted the item removed from my credit report. I contacted XXXX XXXX XXXX multiple times and they repeatedly claimed they sent this request to all three credit bureaus and can do nothing else to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have call from XX/XX/2019 and XX/XX/2019 that were made by transworld system Inc trying to collect a debt that is not for me but for the previous owner of my phone number. I have told them that he doesnt own this phone number any more but they are still calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received the attached two letters from Capital One for two different accounts. The letter simply states " Our Research found no signs of fraud ''. If the CEO received these letters, do you think he would want an explanation? Especially after the cards were adjusted 9 months after Capital One closed the cards and the cards were adjusted two months after the cards were charged off. Wouldn't anyone want an explanation and details instead of " Our Research found no signs of fraud ''. There had to be research if they removed the charges months after closing the accounts and months after charging the cards off. My cards were unknowingly stolen, used, and the fraud payments made to exceed the credit limits.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent the letter below via Certified Mail to Equifax. Equifax notified me by email that the dispute was complete but did not provide me with how the accounts were validated. I called Equifax over the phone and they advised me that they can not provide the way the account was validated. If they can not provide the way the account was validated then the accounts need to be removed from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX SSN : XXXX | DOB : XX/XX/XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. Name of Account : Account Number : Provide Physical Proof of Verification XXXX XXXX   XXXX unverified account XXXX XXXX XXXX XXXX XXXX. unverified account XXXX XXXXXXXX XXXX. XXXX. unverified account XXXX XXXX XXXX. XXXX. unverified account XXXX XXXXXXXX XXXX. XXXX. unverified account Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
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: Was not notified of investigation status or results

Complaint:
I already sent a complaint here that I sent a dispute letter asking for verifiable proof of the accounts on my credit report. And I sent a follow up letter because I did not get a response to the original dispute. I don't know if someone is playing games with me or what, but you responded back that you don't believe it's me sending the complaint. Well it is me, and my complaint is that XXXX is the date of my original dispute, XXXX is the date of my follow up letter because I didn't get any response from you regarding the dispute of these accounts XXXX XXXX-acct XXXX and XXXX- acct XXXX. Section 611 ( a ) states that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been well over the time allowed according to the codes and laws so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that you are causing me. I have included my dispute letters, a utility bill, my drivers license, and my social security card to make sure you know that this is me filing these disputes and complaints. Also, my information was impacted by the equifax data breach and probably the wrong person got a hold of my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I 'm not sure if this is the way to handle this, but I 'm not sure what other resource to use. I had my mortgage with the charming Flagstar Bank. They took my home, and this is after me attempting four times to refinance it. They lost my documents every time, told me to resubmit, etc. etc. I did receive a settlement from them ( you ), twice. My question is, am I going to receive any other money? Because I lost over {$150000.00} ( cash ; the house was worth more! ) and I have only received back less  than approximately {$40000.00}. The most recent check number I have received is XXXX in the amount of {$1800.00}. The tracking number is XXXX. It was issued regarding the civil penalty fund third-party administrator regarding Flagstar Bank. I appreciate all that you have done so far, I really was n't expecting anything, and I think it 's horrible that they 've gotten away with what they have and they are still even allowed to be in business when all the rest of us have lost our home that we worked so hard to get. Frankly I think every little last dime they have should be given to consumers and they should be put out of business as a penalty. However, evidently things do n't work that way in America and the small guy, the consumer gest XXXX. That said, again, I appreciate every single thing you 've done. I would however like to know if this was the final payment or if there will be more disbursement in order to help me recover from what has been a horrible experience and which ruined my credit and of course lost my home. If you would please let me know as soon as possible I would really appreciate it. Thanks for being on the consumers side.

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 2020-10-26
Company: Experian Information Solutions Inc.
State: TX
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: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX I attempted to refinance my mortgage however, The mortgage company informed me that they were unable to pull my Experian credit report. Message : Consumer information did not match any records at Experian. Since then I have called multiple times to get the problem resolved. Although Experian automation system said that my credit file was locked, reps and supervisors say that their is no lock. Til this day, Companies are not able to pull my report and score. Experian has not been helpful in getting the problem fixed. Two other mortgage companies have attempted as well and they also are not able to pull Experian report. I contacted Experian on numerous occasions to inform them that their must be something wrong with their systems because I am getting the same results from other companies.

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 2022-04-03
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 XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
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:
For months ive been trying to figure out who this company is reporting on my credit file, this report is being reported as a collections item! But with no info of the reportying creditor! Zero info on this account, and they keep reporting it as being verified but dont tell me who its with, or who they verify it with!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My complain concerns the service provided by the Citibank, branch - CITI SECURITIES SERVICES OPERATIONS XXXX. 
On XX/XX/2020 I made an international wire from my XXXX XXXX  account in the XXXX ( XXXX ) to the XXXX XXXX ( XXXX ). The transfer went via the correspondent banks - XXXX ( XXXX, XXXX ) and Citibank ( US ) - to the beneficiary bank in XXXX. On XX/XX/XXXX the funds were not delivered to the beneficiary and I initiated the investigation through the XXXX client service. The correspondent bank XXXX presented the proofs that the funds were sent to the Citibank that should have sent them farther to the XXXX XXXX with the particular SPEI number. { SPEI is an electronic funds transfer system owned and operated by XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX. This system was developed to facilitate payments between financial institutions, in addition to enabling them to offer safe and efficient retail payment services to the public. } I provided XXXX instructions and the SPEI number to the XXXX to make the investigation possible from the side of the beneficiary bank. However, the beneficiary bank couldn't find the funds with all these data. Moreover, the database of SPEI number managed by the XXXX XXXX  XXXX  XXXX  doesn't contain this SPEI number provided by the Citibank. The XXXX investigation team requested the confirmation of transfer from the Citibank. There was no response. 
On XX/XX/XXXX I requested the recall of the transfer from XXXX. The bank launched the recall procedure by contacting the correspondent banks and the beneficiary bank. The Citibank was the only bank in the chain that didn't respond to the XXXX. As a result, the funds are still not found, the Citibank doesn't support to do the investigation. 
I am not entitled to apply to the Citibank as I am not a client.

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 2019-08-19
Company: Charleston Area Medical Center
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a collection action on my credit report that is not my debt, this action was started by Healthcare Financial Services on behalf of XXXX XXXX XXXX  XXXX.This debt is not mine and should have been paid by my companies workers compensation provider, XXXX.I spoke with both companies on XX/XX/2019 and the collection agency had the wrong account number, I advised the company of the correct account number and was assured that they would correct the problem.

Company response to consumer: Closed with explanation