BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-01
Company: ALLY FINANCIAL 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: Information belongs to someone else

Complaint:
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

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 2023-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After closing a HELOC, a predatory mail phishing scheme started sending me confusing mailings. They made it appear that I was late in making payments, but they were actually trying to get my information and mail it here : XXXX XXXX XXXX XXXX TX XXXX I think that its a scam and have not replied. However I have received 6 separate mailings from them and think that they attained my information without my permission. They use red paper to imitate an overdue bill. They are not affiliated with the bank I open the HELOC

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 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX of XXXX I submitted a request to validate the information on my credit report and again in XXXX of XXXX. The accounts came back validated, however each credit bureau is reporting different information on the validated accounts and I requested the information be removed. I have 2 documented FCRA violations for each credit reporting agency and the creditors.

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 2023-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i was checking on my credit which i normally never do and i noticed that i have XXXX unauthorized HARD inquiries on my report that i have not done any business with what so ever. 


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 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 XXXX XXXX XXXX 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 2021-12-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX Department : Remove fraudulent accounts from my credit report.

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 2019-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made s complaint with the company TRANSUNION for accounts being reported on my report incorrectly and have not been verified. They have sent a letter saying that one account which is XXXX was deleted and then placed back on my report and is not showing on any of my other bureaus and was not properly verified as I asked for copies of any documents with my signature on it and that was not provided. Also one account was removed from collections and I did not receive anything in writing saying it was removed, that account is XXXX XXXX XXXX for XXXX. Also the letter they sent does not show that the other alleged accounts XXXX XXXX and XXXX XXXX XXXX were verified.

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 2020-09-17
Company: EQUIFAX, INC.
State: AL
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 looking at my credit report and I have accounts that do not beling to me. I lost my identification and someone obviously opened numerous accounts in my name. Please advise me in what I need to do. Please investigate these accounts and remove them from my credit report. These fraudulent accounts are causing me many hardships with obtaining anything that is credit related.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: DISCOVER BANK
State: CT
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 these accounts that are not mine and i want them to be removed. 



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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-23
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I have been the victim of identity theft and it is proven in court and the police that the perpetrators of the acts in the identity-theft are not me. I attempted to apply for a loan through a company called OneMain Financial and they have since told me of a previous loan that their company has been bought out or part of XXXX. I do n't have anything to do with XXXX and because of the identity-theft an account might be showing under my identification but it is not me. Almost a XXXX percent certain that was not my correct first name and I asked to talk to the Department and the person refused to let me talk to them. I 'm complaining because they are breaking the XXXX laws on ID theft. 
Have them remove my correct name and social security number and any other identifying information from their records of that previous account that has been proven to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My loan is being servied through Navient and i beleive that they have used predatory lending practices towards me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Sequium Asset Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I was a customer of XXXX  in XX/XX/XXXX, which I finished services and returned the modem to XXXX in XXXX, Kansas. XXXX claims that I did not return the modem, charged me XXXX, then sent my account to collections with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX. When I had called to dispute this issue, they stated that they needed a receipt, which XXXX was unwilling to give me since they return the item in batches. Thus, I want to dispute this claim as I have turned in the modem ; it has also damaged my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: WA
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01
Company: EQUIFAX, INC.
State: ME
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 submitted a Dispute and on XX/XX/2019 it was removed by Equifax. On XX/XX/XXXX they resubmitted the item on my report.WITHOUT send or Notifying me in any way! FCRA says I am supposed to be notified within 5 days. I never received anything! XXXX and XXXX, are not doing this ... ONLY EQUIFAX!!! 

XXXX XXXX XXXX {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Jackson Automotive Resources
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchased the vehicle on XX/XX/XXXX. First payment was due and paid on XX/XX/XXXX. The payments were to be below {$350.00}, and I made that quite clear. It totaled {$460.00}, which caused me to miss my rent payment for the first time in 8 years. The same happened XX/XX/XXXX and and again XX/XX/XXXX, that's when I asked to lower the payments and accept {$400.00}, which is all that I had. They're charging me {$15000.00} for a 2008 XXXX XXXX. Monthly payments of {$380.00} for 42 months. The original price was {$9900.00} at 23 percent. I wanted to volunteerly surrender the vehicle. I haven't heard from them except for the payment date in which the customer service representative was very rude and suggested that I better get them the money one way or another, and said " go and borrow it from a friend or family member. Also, I pay my own insurance and they want to also charge me an extra {$80.00} for their personal insurance.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-04
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received an offer from AMEX regarding a XXXX  line of credit. I applied using my federal ein. the application asked for my social security number and specifically stated it was for identification purposes. My understanding is that the XXXX  was applying for credit and not me personally. I was then declined and was given the reason that my personal credit score was too low and received a hard hit on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Experian Information Solutions 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:
When I was reviewing my credit reports on Experian, XXXX and XXXX I was shocked to see a negative credit card on my report. I realized that is it NOT my account and a result of fraud. I have excellent credit score and this fraudulent account is really damaging my credit score and reputation. I filed a identity theft report on FTC already and had mailed the credit reporting agencies everything they needed. I tried calling the agencies multiple of times and they just put me on hold for more than an hour just to disconnect me. They have not resolved my identity theft issue or even contacted me for an update.

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 2021-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
I have been with Capital One for about a year. I started with a prepaid card until I had a credit record that would let me convert to a regular card. I pay the balance in full every month and I am never late. In XX/XX/2021, I received a notice that my payment was due on XX/XX/XXXX. When that day came, I got a notice on my phone to pay card bill of {$1000.00}, which I did immediately. This money is paid from a brokerage account. The payment was posted on the XXXX of XXXX. Yesterday, XX/XX/2021, I looked at my brokerage account and found there were two identical payments to Capitol One for {$1000.00}. I called their Customer Help line and I was told this happened because I " have AutoPay ''. My question was, " if I have AutoPay, why do they send me a notice to pay my bill? " I contend this is a not so legitimate way for the bank/card company to take more than they deserve. When I asked for a refund, I was told that would take 15 days. In my mind, that is two weeks, but he corrected that it was business days, now three calendar weeks. He said they would have to pay with a paper check and it may take a week to get to me. Now it is four weeks for the refund, you know.the money they took wrongly. They got the money I owed in a day. 

One last thing. The money they took was not a small amount, and actually it was just luck that they did not overdraw my account or drian it to the degree where I was left destitute. This arbitrary taking is wrong on so many levels that I can not begin to enumerate. Its selfish, greedy and shows no concern for their customer 's financial condition. 
But I'll try... 

Capital One is wrong in that they misdirected me with the phony payment due notice, knowing full well that I had AutoPay. 
Capital One had the money wrongfully taken for two weeks and never said a thing to me. 
Capital One refused to issue a refund immediately, taking their sweet time to issue a paper check and delivered by the slowest means available today, The US Post Office. 
I pointed out to their Service person that when the next Capital One bill is due, I'll process their request, taking three weeks to do that and send along a paper check, which will take a week to arrive... .will that be acceptable? 
" NO '' " Then what makes it acceptable to me? '' No answer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit 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 have talked to Capital One three times. Each time I've been told that the problem is resolved and I should be getting a credit for {$650.00} for a return that they didn't apply correctly. They actually made the credit in XXXX or XXXX of this year and I thought that settled the matter. THen in XXXX, I get the amount debited to my account out of the blue. I call Capital One and they assure me it's an error and they're fixing it as we speak. Today I get another bill for the same amount. 

I'm at the end of my rope with these incompetents. I want to cancel the account but I can't as long as there is a balance due. I should have a XXXX balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: TX
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. 

The letters are stated with items and issues. 

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 non-monetary relief
Consumer complaint received 2023-10-17
Company: TapTap Send Inc.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I used the taptap send app to send an amount of {$1300.00} to a XXXX account ( Gtbank account no : XXXX Account name : XXXX XXXX XXXX to deposit XXXX XXXX  into the account base on the rate of {$1.00} to XXXX naira. 

The money was debited from my chase account with debit card ending XXXX but the money was not delivered to the destination account. I sent a mail to XXXX to complain and i was told that the issue will be resolved within seven business days. However, the matter wasn't resolved and after several calls, taptap send replied with a mail on XX/XX/2023 that the money have been successfully delivered with a receipt bearing that the money was deposited by fincra on behalf of taptap send. I replied with account statement of the recipient and evidence from the bank ( XXXX ) stating that the transaction by fincra was not successful. 
since then i have been calling taptap send and they have not been giving me any satisfactory answer except that they are still working on it transaction ID : XXXX Attachments are in this order account statement of recipient for XXXX and XXXX, receipt sent to me for deposit by fincra and evidence from recipient bank that the transaction wasn't successful because of no response from fincra and lastly receipt from taptap send when they debited my account feel free to contact me for any clarification Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I overdrew my account. Capital One sent me two emails on XX/XX/21 saying I had until XX/XX/21 at XXXX to bring my account balance to a negative {$5.00} or less then they turned around and billed me the fee on the XXXX and I called twice and despite me telling the reps about these emails they refused to remove the fee. I sold my daughters XXXX XXXX to make this payment and pay another bill who will only take a card and now I can not pay either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter that stated out of the blue that Capital One was closing my account and I needed to stop using my card which is a secured card that I paid them to get. It doesn't make any sense. I had an issue with the bank I was using for payments where they were not honoring any debits from the accounts and I didn't know this until last week. Capital One instead of talking to me about this ( even though a payment hasn't even been due yet to my secured account ) decided to charge fees and report to the bureaus that I am over my limit and they are the ones who charged fees that took me over it. This is insane. Who does that? It's unethical at best and they should be stopped as soon as humanly possible. I want everyone to know how they do business and it is dirty as can be.

Company response to consumer: Closed with explanation