BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One Credit Card account ending in  XXXX .   This complaint is due to improper communication from capital one to me regarding the balance of my account I did not have any balance on the account after m last payment o n XX/XX/XXXX   .Capital on e charges me {$2.00} interest charge, and I never received a call or mail regarding these accusations. This charge leads to a {$2.00} late fee. When I contacted capital one again  in  XX/XX/XXXX  to obtain  info about my account, I learned that they restricted my account, and that plays a major issue in my credit history. I did n't get any mail of my billing information from capital one ; if I did, i would have paid the interest charge of {$2.00}.   Capital one did not inform me of those charges in any form or way. They send me any information regarding these accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: WELLS FARGO & COMPANY
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a vehicle loan that I was awarded and am responsible for as a result of my divorce in XXXX XXXX. After the divorce my ex-wife remarried and together her and her new spouse filed for bankruptcy. Since her name was attached to the vehicle loan this vehicle was included in on the bankruptcy. I have spoken with Wells Fargo about this and as long as I keep making payments there is nothing to worry about with the bankruptcy. 

Only problem is that I no longer receive account statements and have any access to this account and the details of it online or otherwise. I have tried to submit inquiries and contact XXXX XXXX XXXX XXXX regarding this but I have not received any contact in return. I have thought about paying off this account or making larger payments to get it paid off rather quickly but I am in the dark with balances and where I stand with any early pay off penalties that may exist.

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 2017-11-10
Company: Experian Information Solutions Inc.
State: MO
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 send several certified letters and filed several complaints regarding a late payment from fed loan that the credit bureau has continued to report on my credit report as a late payment. This allegations of late payment is DEFICIENT of CERTIFICATED PHYSICAL PROOF of be adequately and fully COMPLIANT to all mandates and laws as related to my state, FCRA and METRO 2 data formatted reporting standards. You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, & proven documented OWNERSHIP of mine or of proven documented RESPONSIBILITY of MINE. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426- character P6 statements and all of its trailing segments, the minimal Five portioned identifiers all 386 pieces to confirmation to collect and every aspect of the alpha-/ numeric -/ and or alphanumeric sources codes. RETURN or return OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.

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 2023-07-27
Company: EQUIFAX, INC.
State: IL
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 submitted a complaint last XX/XX/2023 for the removal of the unauthorized and fraudulent inquiries but they are still reporting on my credit report. I submitted a complaint again dated XX/XX/2023 but it was immediately. This is why I'm reaching out again regarding these fraudulent inquiries and for assistance to remove them from my credit report immediately. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13
Company: Experian Information Solutions Inc.
State: PA
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:
Fraudulent account XXXX  XXXX XXXX date open XX/XX/2017 Amount 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 2019-05-13
Company: Experian Information Solutions Inc.
State: PA
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:
Fraudulent account XXXX XXXX XXXX open XXXX Amount 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 2022-10-03
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
I purchased a XXXX in XXXX and obtained a loan with Wells Fargo that required me to make monthly payments of {$700.00} beginning in XXXX of XXXX and such payments were made from that date thru XXXX of XXXX at which time due to Covid I experienced money issues. I explained that situation to Wells Fargo and they offered to grant me a deferment for XXXX months and sent a letter to that effect which stated that my next payment would not be due until XXXX of XXXX and I then made my monthly payments as of XXXX of XXXX up to the present time. I then attempted to refinance my home but was denied by the lenders who told me my credit reports showed me missing the payments to Wells Fargo in XXXX of XXXX and XXXX of XXXX, the XXXX months for which I received deferments. I have contacted Wells Fargo asking them to correct the situation but they have refused stating that their records show me missing the XXXX months of payment while also acknowledging the deferment. And because of that lending companies are refusing to engage in any refinancing of my mortgage. This is absurd. How can they say I missed payments when they granted me deferments for the same XXXX months?

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 2021-11-11
Company: Affirm Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has violated and continues to violate me and use manipulative tactics. I have called and mailed them and they have continued to do illegal activities and have not shown no remorse for their illegal tactics. I recently invoked my rights as a consumer and sent a cease and desist to Affirm to desist all illegal activity and stop all communication with me Pursuant to 15 USC 1692c ( c ) and the company has continued to communicate to me, even through third parties. This company also has violated federal law by saying that I owe an alleged debt and I as the consumer have demanded to stop illegally reporting on my credit report and they denied to stop reporting negative information when I the consumer have the right to what is furnished on my reports. I, the consumer have said a MULTIPLE of times that I DO NOT OWE THIS ALLEGED DEBT, they then emailed me and accused me again of this alleged debt violating 15 USC 1692b ( 2 ) while even saying that sometimes they miss information Which I can prove with exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It has come to my attention, that Fair Collections and Outsourcing ( FCO ) stated on XX/XX/2021 that the above referenced account was assigned to their office. As a consumer, I have the right to ask that this debt collector show and provided to me proof that FCO has the legal right to collect. Fair Collections & Outsourcing is in violation of my rights as a federally protected consumer.

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 2017-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2017 I was the victim of an online XXXX scam. I purchased 2 tickets for {$350.00} to a XXXX concert in XXXX XXXX. I emailed " XXXX XXXX '' back and forth with over 40 emails in the tread. I was scammed using the application XXXX. I have been with my Capital one back over 14 years and noticed the send money option on my online banking application. I had no idea that it was a third party application. I sent her the money at about XXXX XXXX Friday and she sent me some obviously fake tickets. By the time I called the bank it was too late as the money had cleared the bank. My request was quickly denied by Capital One. I called XXXX immediately and they pretty much laughed at me. I told them I wanted to speak to a supervisor but every time I called he was conveniently on the other line with another customer. I also filed a police report with XXXX, a complaint with the FTC, and next will be contacting the BBB. I believe XXXX is very misleading and there should be some type of protection plan. Never use XXXX to send money unless it 's with someone you know. I 'm also very upset that I told them the account was being used in a scam and they did n't seem to care. I sent the money to XXXXXXXXXXXX and corresponded with XXXXXXXXXXXX. 
Looking back there were several red flags during this transaction. But I have a XXXX and a XXXX I was juggling while I was completing this transaction. I want others to be careful and take the proper precautions when buying things online and to NEVER EVER use XXXX. And know that it IS NOT backed by your bank. XXXX would not tell me anything about his account other than it was active. I eventually found him on instagram and sent him a series of emails but no response. I also flagged all of his posts on craigslist as I found he had several listings in several cities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Each time I call XXXX and TransUnion and dispute an item or send them a letter asking them to provide me specific documents verifying my account, they lower my credit score. I have paid all my bill on time and even paid nearly {$8000.00} on one account in XX/XX/XXXX. My credit score should be increasing rather than decreasing. I have approached both agencies about this and they can not give me an answer. I am on the phone hours at a time trying to resolve the problem with my credit score and they are refusing to fix the problem. I did not have any negative reporting to make my credit score go down as low as it has. I have attempted to resolve this problem with both credit agencies and they have failed to attempt to make things whole and right in the matter. The agencies can not even tell me what caused my credit score to go down.

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 2019-04-16
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i was told by SLS loan servicing to send 3mo. of bank statement and profit loss statements i call on XX/XX/2019 they have the paperwork i sent in now they tell me im missing one doucument but they cant tell me what it is

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am submitting this claim involving Specialized Loan Servicing ( XXXX ). From XX/XX/XXXX till JXX/XX/XXXX I was in there 6 month program to catch on my mortgage and which I completed that after paying  {$620.00} for six months. And, now there saying I owe additional fees after 7 months of not hearing anything in reference to additional fees, my XX/XX/XXXX payment went from {$580.00} to {$670.00} and while in the program I was told by a agent No additional fees for scheduling my payment by phone and by scheduling my paying on the XX/XX/XXXX of each month while in the program. I stared my regular mortgage on XX/XX/XXXX of {$580.00} and scheduled by phone to be paid XX/XX/XXXX and no agent mention to me about and other additional fees, now I see my XX/XX/XXXX payment has a extra fee of XXXX something dollars after seven months. How could any home owner go 7 months without knowing about additional fees after knowing being told No fees applied for scheduling by phone and scheduling to pay on the XX/XX/XXXX of each month while in the program. I really would like these fees to come off my account because its unfair on my part. Thank for your help and time 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
Consumer complaint received 2021-11-11
Company: GOLDMAN SACHS BANK USA
State: NY
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:
I was approved for an Apple Mastercard and now have an account open with them through Goldman Sachs Bank. They are refusing to give me a physical card to use for purchases. I do not even have access to the account number nor credit card number. They told me that I have to PURCHASE an XXXX XXXX in order to use my credit, and the only way to receive a physical card is to put in a request through their XXXX app on the XXXX. There is no way for me to use the " card '' or account without first purchasing a $ XXXX XXXX XXXX device. This is unacceptable, and they simply can not get away with such a discriminatory practice. I am shocked that they are allowed to OPENLY DISCRIMINATE against anyone who uses XXXX  for their mobile device.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: AR
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
PROFESSIONAL BUREAU OF COLLECTIONS OF MARYLAND XXXX XXXX  XXXX XXXX, CO XXXX XXXX Has stated i have Federal student loans which i did not, i anything the companies they are even stating are federally loans were private entities and they have reported these loans as federal to the department of education which is fraud against me. The loans they are stating originated in 2009 and clearly would be past the statute of limitations on private loans for ANY LOAN. They also state there was a hearing held which i was involved in which is false. I was not granted a hearing they also state they are garnishing my wages. If the federal goverment has no jurisdiction over private loans then how is this possible they are sending me letters from the department of educations enforcing juridiction?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: EQUIFAX, INC.
State: MO
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 send several certified letters and filed several complaints regarding a late payment from fed loan that the credit bureau has continued to report on my credit report as a late payment. This allegations of late payment is DEFICIENT of CERTIFICATED PHYSICAL PROOF of be adequately and fully COMPLIANT to all mandates and laws as related to my state, FCRA and METRO 2 data formatted reporting standards. You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, & proven documented OWNERSHIP of mine or of proven documented RESPONSIBILITY of MINE. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426- character P6 statements and all of its trailing segments, the minimal Five portioned identifiers all 386 pieces to confirmation to collect and every aspect of the alpha-/ numeric -/ and or alphanumeric sources codes. RETURN or return OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX The Appraisal used by Wells Fargo to counter the buyer on this short sale is invalid. 

1. The Appraiser used comps outside the XXXX area and in a completely different geographic and economic neighborhood than the subject property this does affect the sales price 2. The Appraiser used comps that are a YEAR OLD 3. The Appraiser outright IGNORED comps that were MUCH CLOSER and that CLOSED RECENTLY that were a lower value than the counter offer 4. The appraiser even ignored year-old comps that are in the same complex as the subject property that were lower in value that the counter offer ********* The Appraiser was obviously stretching to get this valuation to be in the higher price range dictated by Wells Fargo.
This appraiser could lose their license over these issues it has already been recommended to us by another appraiser to file a State complaint against the appraiser as her work product is extremely flawed and could not be used for origination of a loan or any other purpose for valuating a property. 

I have attached the following items : 1. XXXX XXXX showing Market Comparables that are RECENT and in the SAME NEIGHBORHOOD. 
2. Copy of the appraisal used by Wells Fargo - SEE PAGE 7 AND 11 showing the OLD COMPS USED 3. XXXX XXXX XXXX 4. Additional Market Comps Please see XXXX XXXXXXXX XXXX - This home is in Excellent Condition and is obviously C2 and not C3 as stated on the appraisal. Did the appraiser look at any of the comps or even call the listing agents -- - the answer is NO. Our unit is correctly listed as a C4 ( in need of major remodeling ) We have already addressed this with Wells Fargo and have been told that Wells Fargo reviewed the information we provided and has found nothing wrong with using comps that are a year old. -- - Seriously??? 

We demand this appraisal be re-reviewed with the information attached to this CFPB complaint. 

We expect this situation to be remedied immediately.

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 2017-11-10
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have always paid my bill online every month with a bank and they always show that they receive my payment. however, one time this bank sent me notice in 30 days that they never received the  payment even when the website said they did. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.

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