BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Beginning in XX/XX/2021, XXXX XXXX XXXX, XXXX fraudulently starting reporting repossession on my credit reports with all 3 bureaus. Via thorough documentation, I submitted disputes to have it removed so I may proceed with increasing my score and purchasing a much needed vehicle. Meanwhile, Ive been in civil litigation with XXXX XXXX XXXX and also reported company to Dept of Ag and CFPB who forwarded to FTC. Upon receiving the disputes, XXXX XXXX XXXX removed the repossession as required by law, but out of retaliation replaced my account in paid good standing but closed status with a charge off and marked the XX/XX/2021 history as unpaid, although I was not even in possession of this vehicle in XXXX and this contradicted their earlier claim on my credit. 

I once again disputed this claim, prolonging my ability to purchase a vehicle. XXXX, Experian and XXXX  have not removed this status and do not seem to have record of the previous claims in which this contradicts, violating consumer rights law. This frivolous and false reporting is being allowed and not monitored thus damaging my credit and ruining my life

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 2019-03-15
Company: Reliant Financial Corporation
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX auto loan opened with Golden Acceptance/Relaint Financial for {$9000.00}. Auto was repossessed in XX/XX/XXXX. Lender says it sold the auto for {$150.00} and applied that to my balance. Fair markt value is {$3500.00}. 
This debt shows on my credit report as a Charged Off as Bad Debt. They keep adding interest to the amount and now its up to {$13000.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: AXOS FINANCIAL, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The morning of Friday XX/XX/XXXX, I received a notification I needed to verify my identity to keep my bank account open with XXXX. I had just gotten this bank account a couple months earlier, it was already verified, and working fine. I used it only for normal transactions like shipping in stores and online, and all my app/web subscriptions. 

The notification said I had until XX/XX/XXXX to verify my identity. It said when I start the process which should take less than 10 minutes, my account will not be accessible until I complete verification. I completed it the first time, where each step has no inputs to answer their questions. I tried again, and it allowed me to submit my drivers license. It got to the end and did not verify. I tried 2 more times and it still didnt work. I was locked out of my account. I couldnt access the Help Chat because I was locked out of the app and the website. 

The email that notified me of needing to submit new identity verification said I could reply directly to the email for help. I did so and got no reply. By nighttime I got an email telling me I was almost done applying to start an account with them, and apparently I no longer had an account with XXXX. They clearly deleted my account without any reason or warning or info. 

I checked online for all their Terms and I didnt break any of them. This is my ONLY bank account and Im in the middle of a huge business deal, this has been a really terrible experience and I found out tons of other people have had the same bad experiences with no help. From other complaints Ive read, anyone with this issue has had their money lost to XXXX and no explanation or customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
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:
An account on my report does not belong to me and I disputed it but was unfairly resolved against me XXXX XXXX XXXX AC # XXXX REPORT NUMBER 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 non-monetary relief
Consumer complaint received 2022-12-16
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They contacted me at XXXX XXXX XXXX XXXX XXXX. Didn't indicate who they were calling for. I called back. They didn't give the standard verbiage that they were required to about collecting debt. She asked me to identify myself. I asked her who she was trying to reach. She told me that it didn't work that way and she would note in her system that I refused the call. She then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Experian Information Solutions 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:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXXXXXX XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, 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 2018-03-22
Company: WELLS FARGO & COMPANY
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a current loan with Wells Fargo Auto loans that was opened in 2015. I borrowed XXXX. However on my credit report it now shows I owe XXXX. This has affected my scores greatly and want Wells Fargo to pay restitution for inaccurate amount. It appears I am in the negative with my loan and installment payments. This has affected my financial status and scores! I actually only owe 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 2021-11-30
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed XXXX XXXX XXXX {$0.00} Charge XXXX  XXXX XXXX XXXX {$21000.00} Date Opened : XX/XX/201XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$0.00} ( Original Creditor : ) XXXX {$0.00} XXXX  XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
CapitalOne won't let me connect my personal finance service/benefit to my CapitalOne account to help me track my spending. 

As a consumer, I have every right to access that information using services I deem appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received in the mail a letter from midland credit which mentioned legal action could be the next step multiple times. This is the second letter I have received from this company, the other one was very vague and looked like a scam. 

This letter received yesterday, was dated XX/XX/XXXX. It does not have a postmark on it and was delivered on XX/XX/XXXX. It demands a reply or payment by XX/XX/XXXX. 
I receive delivery notifications by USPS through my email and have attached that notification in which an image of the envelope was shown in an upcoming mail delivery preview for XX/XX/XXXX. 

I believe this company is engaging in tactics that violate my rights. I have still not received a validation letter in the mail after initially requesting one months ago after receiving one letter with limited information from this company. 
I am again requesting debt validation by mail today and have attached those documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent a wire with below details and i was told by my bank that this wire was hijacked by hacker the wire i sent that was debited and confirmed by the wire department .... How will a wire be hijacked and the one i  sent after this was successful. 

Chase wire tracking number : XXXX Transaction number : XXXX Wire date XX/XX/2019 Wire amount XXXX USD ( U.S. Dollar )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XX/XX/2020 I received a receipt in the mail which stated something about a transaction for {$4300.00} was made with my name and address listed to and account that was created without my transaction. I called the bank immediately requesting the account to be closed also that the account was the enactment of identity fraud. I was recommended to filing a police report with XXXX Police department in which I was unsuccessful. i called the office explaining their website would not except the date of event I was try to enter for the date of which I was contacted by mail of the transaction. This attempted act to report the event took place the duration of the time I waited for the affidavit in the mail. The forms never arrived so I went to the main XXXX XXXX location for XXXX XXXX XXXX XXXX to pick up and also return the affidavit the following day due to the request of information I didn't have available during my visit. I assumed that with the affidavit turned in I'd be ok. I even called the the irs to report the event as well ( having very little to no knowledge of knowing who to report to ). The representative attempted to pitch me identity theft protection which I did and still do not have the funds to uphold another money payment as I am a new homeowner trying to survive the impact of covid-19. However I while working for a telemarketing company years ago I'd come to believe that  Identity theft protection was a scam in itself. I just wanted to file my complaint of identity theft. I'm still unclear as to if the call I made was report I never received confirmation to my recollection. Just last week some time I received another letter from a new bank account also opened without my transaction which is also an enactment of identity theft. I called that bank and repeated the same process also I didn't file and affidavit bc there was no other transaction on the account other than it being open online. someone is using my social security number, my home address and other unknown information to commit fraudulently crimes under my identity. I received a notification this week from XX/XX/XXXX that the {$4300.00} transaction has been added to my account. I must have misunderstood the entire purpose of the affidavit. i don't know who to talk to or what to do so I called Missouris Attorney General and requested helped on the identity fraud. the let has arrived today and I am filing it out and having the paper mailed out immediately. I have no other issues outside of that of what I have mentioned above. Please help me if you can. I only filled out this complaint because it asked if I have done so in my papers obtained for Missouri General Attorney. I have no idea what I'm doing.

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 2021-09-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Early in the year, I called for Mortgage Insurance removal, and spoke with a representative. They advised they would need to send a removal packet in the mail. What I received was an informational packet with a number to call to remove PMI. I called again and requested to be transferred to the PMI department. I was advised that Citizens does not have a mortgage insurance department, and again a packet would be sent in the mail. It has been a month, and no packet has been received. With the additional principal I have been paying, and the comparable prices in my neighborhood being up 31 % ( per their website ), I should qualify for PMI removal. I am requesting to immediately start the process for PMI removal, and XXXX  to Credit towards my Principal the amounts paid towards PMI since my initial phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I felt I was deceived by the college and the loan lender on what these loans would end up being with interest. There was no truth in lending and original amount of {$16000.00} in students loans is now over $ 60K in loans and interest. I graduated in XX/XX/XXXX and this has been over my head for 21 years. THe University promised employment after graduation, they never helped with that. I have continual health problems and have had to defer payments multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
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: Account information incorrect

Complaint:
The Summer of XX/XX/XXXXI was denied a mortgage loan due to a charge off from XXXX XXXX credit card. I both mailed an account validation letter and disputed this debt with the credit bureaus and the credit card company several times. Only the credit bureaus responded that this debt was verified but showed no proof as I requested. XXXX XXXX still has not responded to any of my letters since XX/XX/XXXX. All I asked was that the credit bureaus show me how they verified this debt and what XX/XX/XXXX sent them as proof of my debt other than a bill that could be fabricated. I really need to know why I haven't been shown proof of this after multiple disputes and certified letters letters sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Payward Ventures Inc. dba Kraken
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Kraken 's transfer to a FRAUD SCAM Brokers : XXXX XXXX  I would like to bring your attention to a serious issue I have with Kraken wires that first took place on XXXX of XX/XX/2019. 
I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company. 
The funds were transferred utilizing Kraken 's services in the total amount of XXXX EUR! 
I would also like to point out that on XXXX of XX/XX/2019 - I filed a dispute with Kraken.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: HW Holding, Inc
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021 XXXX XXXX the Owner of XXXX XXXX, managing the property XXXX XXXX XXXX XXXX offered me to 'just leave now ', while being under the protection of the CDC XXXX XXXX. The offer did not have an expiration date or a specific time frame requesting an answer for the offer. On XX/XX/2021, I received an email from XXXX XXXX, XXXX giving me notice that XXXX XXXX has filed a collection against me. I have in writing, XXXX XXXX stating if we 'just leave now ', that the owner of the building would not pursue legal/credit recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX, am a consumer as defined by 15 USC 1602 ( i ). On or around XX/XX/2015 I entered into a consumer credit transaction with Capital One. Pursuant to Federal law, a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605, a finance charge is the sum of ALL charges in a consumer credit transaction. As a consumer, and understanding what a consumer credit transaction is, I was not expecting a bill. During the course of this consumer credit transaction, I received multiple bills from Capital One which is a violation of 15 USC 1692b. Additionally, by sending me a bill, Capital One would be deemed a debt collector pursuant to 15 USC 1692a ( 6 ). Each statement for this alleged debt failed to disclose that the communication was from a debt collector which is a violation of 15 USC 1692. Additionally, each statement came with a positive balance. How can you pay on an account with a positive balance? This is a violation of 15 USC 1692e ( 2 ) ( A ).

Within 5 days of my initial communication with Capital One, they failed to provide me with the 5 requirements under 15 USC 1692g ( a ) which is a violation. Lastly, under 15 USC 1666b it's a violation to deem any payment as late under a consumer credit transaction and Capital One has done that for months on my consumer credit report which is a violation.

Lastly, pursuant to 15 USC 1681a ( 2 ) ( B ) this transaction is supposed to be excluded from a consumer report. By reporting this transaction, Capital One is also in violation of the FCRA and liable for damages for this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Carter-Young, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was initially unaware of this debt existence until I decided to take actions to improve my score to get my dream home. I then disputed the amount of the {$230.00} of utilities for I was unaware of this charge. I was not given any information nor proof on how they proved that the debt was mine. It was just placed on my credit as an open account, hindering my score as it is considered a delinquency. I didn't know that it was still lingering in my account until yesterday. According to my report, it was opened XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
This account XXXX XXXX /formerly known as XXXX XXXX/XXXX XXXX  XXXX XXXX account # XXXX was re-inserted on my credit report after being removed as a fraudulent account. Because this account was removed for fraud I was told that it would be permanently blocked from being on my credit report. In the month of XX/XX/XXXX this fraudulent account was re-inserted on my credit file in direct violation of FCRA 611 I have sent in several letters regarding this but I have not received any response so I called on XX/XX/2019 to see what could be done. This account should have never been put back on my file as it is fraudulent and was determined fraudulent and removed for that reason. Now it is back on my file with a new name the account which is named XXXX XXXX was formerly known as XXXX XXXX/XXXX XXXX XXXX XXXX account # XXXX? XXXX XXXX merged and is now XXXX XXXX .... this Is the same account with a new company name ... .. but again this is the " SAME ''  account that was removed for fraud ... this was not there before .... this account is not mine and needs to be removed permanently and not be reinserted again please research the previous deletion of XXXX XXXX/XXXX XXXX XXXX XXXX   account # XXXX so you can determine how to fix this.

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