BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Ive contacted the credit bureaus on XXXX, XX/XX/2020 and XX/XX/2020 about removing a chapter XXXX bankruptcy off my credit report. They provided me with false information saying that they verified the bankruptcy with the court. Which was proven to be a lie, which goes against the credit fair act. Ive contacted the bankruptcy court to ask about this. They sent me a letter stating that they DO NOT verify, or send any information to credit bureaus. So ive been trying to have this bankruptcy removed from my credit report for quite sometime now. It is really holding me back from what im trying to accomplish. So im really hoping filing a complaint will help me. I have the letter from bankruptcy court stating they dont provide information, or verify with the credit bureaus. That i will attach. 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 2022-04-04
Company: FIRST NATIONAL BANK OF OMAHA
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:
Hi my name is XXXX XXXX and im an victim of identity theft. I tried to handle this issue with credit bureaus but no help there .Someone applied for a credit card under my name and it shows on my credit report.Creditor sends a result of investigation as everything is accurate so im attaching the documents I sent to bureaus this account does not belong to me.Also another account that shows late but that late wasn't my fault and I notified the company too .I sent them my XXXX  positive test results that I was in XXXX and before that I sent my payment by mail and I don't know why they returned the mail I sent so it was not my fault to be late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: NY
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:
There are multiple inquiries & an account from XXXX XXXX XXXX on my Report I do not recognize

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 2017-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The deed to my property, XXXX XXXX XXXX XXXX, XXXX, XXXX was transferred and deeded to me in my divorce on XXXX XXXX, XXXX. My ex-husband took a HELOC in XXXX and paid off the HELOC for our divorce in XXXX but did not close the account. In XXXX, he took $ XXXX from the HELOC and stopped making payments in XXXX XXXX. The HELOC lien holder is Capital One ( COF ) and they scheduled my property for foreclosure/auction on XXXX/XXXX/XXXX. I was never notified by Capital One or their debt collector XXXX XXXX XXXX and found out about the foreclosure on XXXX from a realtor that left his business card in my front door asking me to call him. I went to XXXX & XXXX office in Va XXXX at XXXX on XXXX/XXXX/XXXX and they verified that COF was the lien holder. 

After numerous phone calls and telling COF that I would show up with the news media, my congressman and military support ( I 'm a veteran ), I was transferred to the office of the president and able to get the reinstatement fee amount on XXXX and following their instructions, I wired {$3600.00} on XXXX to COF. They received it on XXXX and on XXXX the foreclosure/auction was stopped. 

Ive been informed by COF that they will resume foreclosure action if they dont start receiving payments. 

I reported this to the XXXX, VA police department and they are working with the NC Attorney Generals office to determine which state should pursue fraud charges, as my ex-husband resides in NC. I also sent COF all of my legal documents pertaining to the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to XXXX XXXX last year, and I have had nothing but XXXX dealing with them. I pay online monthly through XXXX XXXX, and they constantly don't get it and are calling me that the payment hasn't been made. I verify with XXXX XXXX and it in fact has been made. When I call XXXX back I am on hold for about an hour each time. The person who answers says they can't help me and that someone will email me or call me, and no one ever does. I have had 2 different payments show up as delinquent because of this and it is effecting my credit history. I called again today for the same issue, and put my number in the automated system for a call back. No one ever called back, so I am on the phone again and it's already been 30 minutes. 

I also submitted a request for new appraisal with a check as directed by XXXX XXXX. It was received and applied to my loan. I called to complain it was changed with the promise of new appraisal to come. I never received a new appraisal, and I finally asked for a refund and it has not been refunded. 

My loan number is 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 2019-07-01
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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 has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Risecredit, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XXXX/XXXX/XXXX I tried to finish my application for a credit line from XXXX financial when they requested verification of my documentation. 

The concern I have is that they have requested my personal bank statement which shows my account number and name and date to verify my account. 
Prior to this they also requested my personal bank ID # ( separate from account # which is used for logging into my bank account information and my personal password to my account. 
I sent them the top of my bank statement and they would not accept it because I did n't include the entire statement. 
When I phoned XXXX they stated they needed this information to verify my account which is simply not true which my bank informed me. I told them that the rest of my bank statement is my personal banking transactions with private parties which they do not need access to for this verification. They insisted that they do. 
They will deny the credit line if I do not provide my entire bank statement which I feel is unacceptable to obtain credit. They do not inform you of this process until after you have completed the application and I feel it is wrong and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: National Enterprise Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There was a fraudulent private student loan taken out under my identity. I filed a police report and the investigator confirmed it was identity theft. I notified the creditor " XXXX '' and the XXXX credit reporting companies but nothing was done until XXXX after the credit repair company I hired sent the credit reporting companies the police report did they remove it from my credit report. After it was removed, creditor XXXX sold the loan to debt collector National Enterprise Systems even though they were fully aware I didn't acquire the loan. I advised National Enterprise Systems to provide me evidence that I owned the loan. The promissory note they emailed me indicated they forged the document by adding my name and other information using a pen because the form was barely readable. The promissory note also has the wrong birthday and social security number. I was then notified this morning XX/XX/XXXX that National Enterprise Systems reported the fraudulent student loan to XXXX with an additional {$100000.00} added to the original amount it was 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 2019-02-05
Company: APEX Asset Management, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bill from Apex Asset Management LLC dated XX/XX/XXXX for a service from XXXX XXXX at XXXX Hospital on XX/XX/XXXX. I immediately sent them a copy of my insurance company 's XXXX showing that my balance owed is {$0.00} and that this is an illegal attempt to balance bill. 

I received another bill from Apex dated XX/XX/XXXX stating that I had not had any communication with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There is no recording of my bank account for the beging opening XXXX XXXX at the end of the night XXXX I depsit XXXX at the XXXX branch somthing was wrong the ATM rate my XXXX. For XXXX the a button. ask did I wont my money back I pushed yes they gave me back XXXX I told the banker about the problem I was not clear on what he told me but he did n't. reimburse me I started. Putting. Money in the bank at night at the end of Ice Cream XXXX day {$100.00}. {$80.00} {$100.00} {$90.00} {$150.00} XXXX The {$40.00} dollars that was pending I didnt get The debit card I had only had XXXX dollars and I could not use It only my card keep decline. Every day XXXX next day XXXX next XXXX It stop at XXXX dollars I needed gas so I use it thay have no record of my account. Only XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I did a lot of banking at XXXX XXXX The bank gave me {$170.00} dollars now the bank is asking for it back there more transactions at the west end branch

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 2017-07-27
Company: Experian Information Solutions Inc.
State: TN
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 XXXX APPEARS ON MY CREDIT REPORT. WHO IS THIS PERSON? I HAVE NEVER HAD ANY AFFILIATION OR ALIAS OR ANY OTHER CONNECTION TO THIS NAME BUT IT STILL APPEARS.

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 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are the two fraudulent hard inquiries on my credit report. I did not apply for any credit cards. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Requested On XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Army and Air Force Exchange Service
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:
XXXX XXXX, Date Opened XX/XX/XXXX XXXX Owed {$8500.00}. 

XXXX XXXX, Date Opened XX/XX/XXXX the balance amount reporting is conflicting {$6000.00} vs {$4000.00}.

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: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received the overly verbose letter enumerating in detail why I was assessed the {$29.00} fee and why I was late unmaking the payments in the first place. 
There was no mentioned of the fact the the Post Office box on the pre-printed statement is the incorrect address for payments. 
Also, after calling the payment method indicate in the letter by phone, I just called that number, and was unable to make a payment because my only phone number ( XXXX ) was not recognized by the automated system, there fore that payment option was not a good one. 
I want to pay off the full amount, without any difficulties. ( Of course, with continued difficulties, the bank would continue to make money on fees. ) I am going to make a final payment in the balance due via a transfer from a credit card. 
Please allow me to make this final payment effortlessly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: BBVA FINANCIAL CORPORATION
State: FL
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:
charged me late fee on XXXX/XXXX/XXXX. Compass Bank advertises on their website their " dedication '' to their customers and forgiveness of late fees and a host of other lies from Compass bank. when i called them on XXXX/XXXX/XXXX because i had been displaced from my home due to XXXX XXXX, Compass customer service agent stated the he does not care and did not remove late fee. 

i imagine Compass Bank told many victims of XXXX XXXX similar brush offs when thousands of customers also called Compass asking them to make good on their promises. 

BBVA Compass bank is a no good dirty rotten bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-05
Company: MOHELA
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
MOHELA 's director XXXX XXXX and Assistant General Counsel XXXX XXXX ( most probably an Unregistered Foreign Agent ) have repeatedly contacting me demanding payment for an alleged loan they say I owe. I have already sent them USPS Certified letters stating that I am the creditor as per 15 USC 1692 ( A ) ( 4 ) and that I do not have a signed contract with MOHELA. I have never given them my  personal information, much less my social security number. Furthermore, MOHELA does not have a business license and Debt Collector Bond required to do business in Maryland. They are engaging in fraud, exhortation, harassment, mail fraud and I demand them to STOP. 

I filed an Identity Theft Report. I am going to file mail fraud for using the U.S. mail for their illegal debt collection practices under 15 USC 1692 ( E ) ( 1 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2018 an international transfer was initiated by an XXXX XXXX  from my father who lives in XXXX into a Chase US account to myself. 
As of today XX/XX/XXXX there is no trace of the money. 
The XXXX XXXX was contacted and they show the transfer successfully sent. 
Chase bank was contacted and they are not willing to trace the incoming transfer. 
The amount transferred is XXXX euros.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I applied to extend credit through capitol one on XXXX/XXXX/2022. I was pre approved for several cards & once I submitting an application I was only given a {$300.00} limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 i sent a letter in regards to inaccurate items on my credit reports. its been more than 70 days and i have not receive any validation of debt or results of the investigation. Section 611 ( a ) states that a failure to investigate the items within 30 days gives a reason to delete the items immediately from my credit report. It has been more than 70 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to all stress caused to me.

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 2017-09-28
Company: ALLY FINANCIAL INC.
State: MN
Product: Vehicle loan or lease
Sub-product: Lease
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:
Today I was contacted from Ally Financial about a past due lease payment. The last time I made my payment I believed I had enrolled in auto-pay. When I got the call today they said I was n't and was now past due. I immediately made the entire payment, but was notified that the credit hit would stay. They made no attempt to call me previously. I am in the middle of the mortgage process and this will put a tremendous hardship on me and my living situation. Extremely frustrating that a lapse in their communication and my auto-pay not being processed will have such a negative impact as all accounts are paid.

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 2021-05-16
Company: Paypal Holdings, Inc
State: OR
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX  XXXX XXXX Wed, XX/XX/XXXX at XXXX XXXX  Date- XX/XX/2021 Transaction id- XXXX Toll Free - XXXX PayPal Email ID XXXX, You sent a payment XXXX XXXX USD to XXXX We've asked the seller to ship. 

Thanks for using PayPal. To view the transaction details, log in to your PayPal account. 

If this was not you, Please call us immediately at XXXX report this incident and block this transaction It may take a few moments forthis transaction to appear in the Recent Activity list in your Account Overview. 
Seller XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Note to seller You haven't included a note. 

Shipping details The seller hasn't provided any shipping details yet. 
Description Unit price Qty Amout XXXX XXXX XXXX - 64 GB - Black ( Unlocked ) Item number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shipping and handling Insurance - not offered Total XXXX XXXX -- - XXXX USD *************************** There were two of these for the same $ $ $ amount. 
The 2nd was from .... 
XXXX XXXX XXXX Fri, XX/XX/XXXX at XXXX XXXX  Date- XX/XX/2021 Transaction id- XXXX Toll Free - XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - this was for the same XXXX  XXXX and for the same fake customer, XXXX XXXX of XXXX XXXX Neither of these are real XXXX They are both fraudulent. None of the thtee transactions actually appeared on my Paypal account as of yet. I just received my XXXX statment saying " there are no transactions '' in the recent history.

Company response to consumer: Closed with explanation