BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-11
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical 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 believe I am a victim of identity theft. I have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX and XXXX Credit Bureaus and found that this FINANCIAL CREDIT NETWO ( Original creditor : XXXX XXXX XXXX ) was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
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: Account information incorrect

Complaint:
Equifax breached my personal info and wont delete the XXXX account on my report also my credit was checked 35 times it should have been deleted via their website, its not on XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
My personal information is incorrect with Equifax, XXXX, and XXXX. They all have inaccurate personal information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Nelnet, Inc.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I type a full " box '' describing my complaint and had just started the first few lines in the box requesting the desired outcome. Then suddenly your complaint form disappeared. So, I will try to pick up where I left off XXXX XXXX XXXX. I wish to continue making student loan payments as I have for over ten years to a reputable loan servicer which may or may not be Nelnet in XXXX XXXX. To date, I file a complaint with the Arkansas Attorney General XXXX XXXX XXXX and included the information in the first box ; now disappeared a few minutes ago. We believe the Arkansas XXXX XXXX XXXX ( XXXX XXXX AR ) may have provided our " private information '' including Soc Security nos. for both me and my wife, birthdates, checking account nos., etc. We worked with AR XXXX last summer XXXX and we were shocked to learn our student loan was placed in forbearance for one year which we did not authorize. In the alternative, Nelnet may have provided our " private '' information to loan companies like XXXX in California. 

You say not to provide " your ( our ) name, account no., address, Social Security numbers, etc. So hope someone at CFPB sees this. Very odd.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: EQUIFAX, 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:
My name is XXXX XXXX-XXXX and I have filed multiple complaints with XXXX, Equifax and XXXX regarding fraudulent inquires, inaccurate phone numbers, inaccurate addresses and accounts that do not belong to me. They continually keep placing the wrong phone number on my fraud alerts and they are not updating inquires that DO NOT BELONG TO ME. They also are not following the Fair Act Credit Reporting Guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
Company: Receivables Performance Management, LLC
State: CA
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. 

RECEIVABLES PERFORMANCE is inaccurately and erroneously reported in XXXX. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2020-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Date : XX/XX/2020 Bad check accepted by Capitol One for Vacation Rental scam for {$3400.00} for XXXX XXXX. Security team stated they can not credit the amount of {$2000.00} sent through XXXX through Capitol One Bank. 
C.One stated they will file 2 claims with XXXX and their bank. Security team stated it is unlikely they and XXXX will credit any amount sent through XXXX. 
No action has been taken to credit any amount of the bad check. They also stated they will shut down the account once the {$2000.00} is paid or credited. The original check was for {$3400.00}. I am returning {$1400.00} to the account that was supposed to be for the vacation rental.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone fraudulently opened a XXXX XXXX account in my company name with my personal name attached it to. I did not open the account and I have told Wells Fargo Bank that on numerous dates. They are continually contacting me by mail and phone in a attempt to collect funds that I do not owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
BB & T XXXX XXXX is in violation of the following sections of 15 U.S.C. 1681 : 1 ) 1681a 2 ) 1681b 3 ) 1681c 4 ) 1681e 5 ) 1681i On XX/XX/2018, BB & T XXXX XXXX made an unauthorized hard inquiry on my credit for the purpose of auto financing. During this time, I was XXXX overseas and did not authorize anyone to make inquiries on my credit. I attempted to dispute this inquiry with BB & T XXXX XXXX as well as with XXXX  and they never removed the inquiries. Additionally, this inquiry, along with others by other corporations during this time, significantly and negatively impacted my credit score.

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 2021-05-14
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 information incorrect

Complaint:
Company : Wells Fargo Home Mortgage ( WFHM ) Wells Fargo Home Mortgage is maliciously and fraudulently reporting a 90 day on all three credit bureaus. I opened a mortgage in XXXX with WFHM and paid in in full in XXXX of XXXX. The account has been closed for nearly 6 years. My XXXX, XXXX, and XXXX  reports all show a 90 day late entry for XX/XX/XXXX. 

I have written several letters to WFHM and the Credit Bureaus disputing this 90 day entry. Letter correspondence was sent in XX/XX/XXXX, again 90 days later XX/XX/XXXX regarding this inaccuracy and no response was received. 

on XX/XX/XXXX I opened a complain with Wells Fargo directly which has not been assigned to any one in the mortgage division to investigate. They told me it would be 10 more days before someone would be assigned. 

Wells Fargo is in violation of the following sections and subsections of the Fair Credit Reporting Act. 
PART 1022FAIR CREDIT REPORTING ( REGULATION V ) Subpart EDuties of Furnishers of Information. 1022.42 Reasonable policies and procedures concerning the accuracy and integrity of furnished information. 1022.43 ( e ) Duty of furnisher after receiving a direct dispute notice.

List of violations and reference to codes 1. Supplying information to a CRA that it knows ( or should know ) is inaccurate ( 1022.42 ) 2. Failure to conduct a reasonable investigation of a dispute ( 1022.43 ) 3. Failure to notify you when it supplies negative credit information to a CRA ( 1022.42 ) 4. Failure to notify you of your right to disput
e inaccurate credit information ( 1022.42 ) 5. Failure to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute ( 1022.43 ) These violations of the provisions of the FCRA, caused financial harm to me as it has caused denial of credit and higher interest rates. Attached is a copy of a summary report showing all three bureaus reporting the 90 days late in XXXX, and that the account was closed and paid in full in XXXX. There is also a note that shows the account was in dispute in the attachment and that the dispute was resolved by furnisher which further proves violation of Regulation V, E, 1022.42 and 1022.43

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 2017-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
From the time period mid XXXX through mid XXXX Bank of America allowed purchases to be processed over my {$5500.00} credit card limit to a sum of over {$25000.00}. In the background an individual was suppose to be paying these charges but falsified a XXXX XXXX account and was paying these charges with a non functioning account. B of A continued to allow additional items to be purchased. When calling their XXXX number on back of my card the recordings always told me that I had a zero balance which led me to believe all payments were processed. I feel I 'm responsible for all charges up to my limit but the remaining {$20000.00} plus is due to their internal processes and failure to recognize fraudulent activity.

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 2021-10-18
Company: Continental Collection Agency, Ltd.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
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:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX XXXX. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

XXXX. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. XXXX Account Number : XXXX This is not mine. 

XXXX  XXXX. XXXX Account Number : XXXX This is not mine. 

XXXX  XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. XXXX Account Number : XXXX This is not mine.

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 2017-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 am a victim of identity theft. The following XXXX credit card accounts are fraudulent and unauthorized : XXXX and XXXX, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Sequoia Financial Services
State: UT
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:
Sequoia Financial is reporting a debt on my credit file that is not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If Sequoia Financial is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: ALLY FINANCIAL INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I paid {$600.00} via cashier check. & I got the signed copy from the XXXX. 
I am running in the issue as follow : It is not notarized or recorded. There is nothing stating they paid the $ XXXX as per the agreement verbiage to have the loan released. 

Here is the response I received from my Refi broker. 

This looks to be a the actual short sale settlement agreement setting the terms the borrowers must comply with in order for the bank to release. - ( I don't know what are the terms ) We will need written proof from XXXX/Ally that all funds due have been paid and the loan is officially released. 
Here are the actions I have taken. 
( 1 ) Today, I have left vm to XXXX XXXX AT XXXX XXXX AT ALLY BANK - She is the person who I am working with about my issue. 
( 2 ) I also have send email to Lien release department. 
( 3 ) also XXXX, XXXX XXXX -Email address - XXXX. - she is the person who had emailed me settlement offer.

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 2017-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On the XXXX XXXX XXXX I was called while I was abroad in XXXX. 
A country well known internationally for scammers stealing people 's private personal information and using it to scam people out of their hard earned money. 
As soon as the representive call me from XXXX XXXX, and started to tell me the call is being recorded and is an attempt to collect a debt. 
I told her I was not in the united States and can not talk about the matter until I returned to the XXXX. 
She started to read out by personal information over the phone. 
Like my full name, my address, my phone number and my social security number. 
I asked her several times to stop as I 'm not on a secured line and my information can be stolen by scammers in XXXX. 
She refused to stop and continued, she kept talking over me, and kept saying it any ways. 
Wnen I realized she was harassing and battering me I cut the call for fear of her releasing further information over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
on XXXX XX/XX/XXXX, XXXX XXXX had his car repossessed in our driveway while we were home. I was unaware he was struggling to make his payments, so we went outside to ask the tow truck to please leave our property and that we would get it sorted out in the morning. He refused, and continued to take our vehicle. 

The next day, Capital One XXXX XXXX told us the only way we could pay was debit or wire transfer. Since we took a {$10000.00} settlement on the car, I paid that in full and wired them the money exactly how they asked me to do so. They gave specific directions to send funds to XXXX XXXX XXXX, provided their account and routing information and i sent the funds on XX/XX/XXXX. It has been XXXX business days and they are refusing to release the vehicle back to us saying they did not receive the payment from XXXX  XXXX XXXX. My Bank ( XXXX bank ) has contacted XXXX twice which both times, they confirmed that they did in fact have the funds and that they were not sure how to process it. We provided them further info that the wire transfer was for Capital One for an auto loan settlement payoff. They ceased communication after that and continued to not process ( last communication was XX/XX/XXXX ). 

We never received any written notice in the mail on how to get our car back and no written info on the repossession as Illinois state law suggests is necessary. 

We have proof that XXXX  XXXX XXXX says they had the funds on XX/XX/XXXX, they confirmed this information on XX/XX/XXXX and requested more info that was provided the same day. They asked again on the XXXX for the same information that was sent over on the XXXX and is in the memo of the wire transfer. Both Capital One and XXXX  XXXX XXXX are committing misconduct and not complying with processing my payment. We filed for a recall on the wire transfer on XX/XX/XXXX and have not heard back yet on if they will send the payment back. Further misconduct for not returning the funds if they did not know how to process it. 

The car is set to Auction on XXXX, so we will now be losing our vehicle because of XXXX  XXXX XXXX and Capital One not processing my settlement payment on XX/XX/XXXX and we have been without a vehicle for XXXX weeks now. I have proof that the funds were paid and accepted on XX/XX/XXXX and Captial One is still refusing to release the car back to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
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 MOVED FROM XXXX  XXXX XXXX TO XXXX  I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX XXXX   HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANY-THING. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I ca n't access my money from my app because the bank does n't update my transactions

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: LOBEL FINANCIAL CORPORATION
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account, LOBEL FINANCIAL, is inaccurately and erroneously reported. Their intentional and willful furnishing of misleading information is a violation of FCRA Section 623 and according to FCRA SectXXXX XXXX. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please examine and delete it from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation