BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023, I applied for Capital One XXXX XXXX XXXX and was denied. I called into the reconsideration line and provided 15 USC 1691 in response to the declination of my business credit application. They would not reprocess the application manual and advised me to wait the approbate time and reapply at a later date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Merchants Automotive Group LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Merchants Automotive Group and Right Direction Financial are refusing to remove an account over seven years old based on fraudulent charges from my credit report. The account in question is not a repossession. The vehicle was returned to the automotive group in 2014 after the automotive group began attempting to collect increased payments claiming that I had fallen behind on my payments. I had fallen behind in the past and had payments deferred to the end of my term as well as made separate payments to bring the account to current. Once the account was brought current, the automotive group continued to attempt to collect increased payments that were more than the agreed terms stating that, even though the account had been made current, I was still behind on my payments. After disputing this issue with the automotive group they refused to admit fault at which point I returned the vehicle. The company then stated that they refused to come collect the vehicle and that I would have to drive the vehicle from my current living address in New York, to their place of business in New Hampshire which I refused to do. The company then continued to attempt to collect payments on the vehicle for months afterwards before charging off the account. This account is based on fraudulent charges and neither company will remove this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I recently opened an account with your company which is now closed. I like many of your other customers are independent contractors. I was given the opportunity to apply for the government 's aid PPP. However I was using a mobile bank and I was required to have a bank on the lenders list so I picked you all. After receiving my funding into the account the account was closed. I was told by my lender and the SBA that independent contractors did not need a business account to apply for the loan. When I speak to your customer service reps they wont tell me whats going on. I am a XXXX and XXXX driver. This pandemic has been hard on me since its so dangerous to drive others around without risking XXXX. The SBA PPP was saving myself and my family. 

The amount in question is {$16000.00}

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 2023-03-16
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I disputed a debt with all three credit reporting agencies requesting that they update the balance as {$0.00} and remove this debt from my credit report with XXXX XXXX to go balance of {$4000.00}. All three credit reporting agencies ( Experian, XXXX, and XXXX XXXX ) did not remove this debtXXXX XXXX XXXX to go was settled on XX/XX/2022 with payment confirmation number of XXXX. XXXX XXXX also confirmed that this debt would be removed from my credit reports. Experian, XXXX, and XXXX XXXX never did what I requested ; which is update my balance as {$0.00} and remove this from my credit reports.

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 2022-09-07
Company: EdFinancial Services
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, After the official announcement regarding the Biden-Harris Administration 's Student Debt Relief Plan on XX/XX/2022, I followed up with my federal student loans servicer, EdFinancial to request a refund on a payment I had made during the COVID-19 pandemic debt relief ( CARES Act ) and received inconsistent information regarding my refund. 

I first called EdFinancial on XX/XX/2022 to request a refund of {$2000.00} ( {$2000.00} principal and {$17.00} interest ). The representative ( XXXX  ) informed me that I would receive my refund in 120 business days and that I would not receive a confirmation about this refund request, and that I would have to call in a few business days to check up on it. She also noted that I would receive the refund via a check, even though my payment was made online. 

On XX/XX/XXXX, I reached out to 3 EdFinancial representatives ( 2 online and 1 over the phone ). The first representative I contacted online disconnected before I could even ask my questions. XXXX, the second online representative I connected with informed me that my first refund request was made for ALL the payments I had made during the pandemic, not just the {$2000.00} amount. I requested her to fix my refund request to reflect that I only wanted {$2000.00} back. She informed me that I would receive my payment back in 120 days, but through direct deposit. 

Also on XX/XX/XXXX, I contacted EdFinancial again over the phone due to the confusion with the refund request amount. The representative I spoke with ( name not collected ) clarified that my refund was for {$2000.00}. This representative also informed me that EdFinancial had made a " note '' on my account. I still have not received any form of confirmation. 

My complaint stems from 3 major concerns I have. ( 1 ) Lack of formal confirmation about my refund request, ( 2 ) inconsistency in how I should expect my refund ( check or direct deposit ), and ( 3 ) timeline for my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: GA
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:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), Here is a list of the incorrect addresses that I am currently Seeing listed ( which I would like removed please ) : 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 ( Previous/In correct Addresses ) There should only be one address listed on my report that is listed on the heading of attached letter.

I also noticed that my name appears to be misspelled on my credit report. My name only has one Correct spelling, and there should be no variations listed because my name has no variations my name is listed on the heading attached letter I enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, Please remove in accurate employers as well as listed below : XXXX. XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have attempted to obtain a free copy of my credit report based on being denied credit in the last 30 days. When I attempted to go through Equifaxs automated system, I was transferred to an agent who verified my identity. She then says she has to transfer me to a specialty department ( Consumer something ). I am left on hold and never transferred. I called back and had to re-verify my identity only to be placed on hold for the specialty department and then subsequently the call dropped. Equifax is attempting to treat me differently from other consumers because I have filed complaints about their reporting. I would like a free copy of my credit report immediately. I would also like for them to investigate two disputes I have regarding the following accounts : Chapter XXXX bankruptcy - requesting early exclusion as it is less than 45 days outside of the 10 year mark. 

XXXX XXXX - too old to be reported. It has been over 7 years since the date of 1st delinquency in XX/XX/2011. 

My rights are being violated by Equifax. XXXX and XXXX are reporting accurately however Equifax is discriminating against me in a retaliatory fashion for submitting complaints about their handling of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. 

Bankruptcy XXXX. XXXX Bankruptcy XXXX. XXXX If XXXX can't locate it on my file. It means that this a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act.

Please don't close this complain saying ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ) because I need these Bankruptcy removed in my Credit Report because they are hurting my credit sc
ore so bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting 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:
I have been paying on all of my accounts monthly and my credit score has not moved. XXXX XXXX XXXX has taken my score down because I have reported the unlawful things they have been doing to DIFs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed a business checking, savings, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Wells Fargo on XX/XX/2022 over the phone. They were to send a cashier 's check to my home for more than {$5000.00}. I waited the 15 business days then contacted Wells Fargo. They sent me to a branch where the branch manager told me she could not help and opened a complaint with corporate Wells Fargo- they are sending me back to the branch. They have confirmed the check has not been cashed but refuse to put a stop payment on the check and reissue it. They have had my money for more than 6 weeks and I very much need the funds for a medical proceed I undertook last week.

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 2022-09-07
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have had damage to our property and have had an insurance claim. We have submitted all the required paperwork and provided receipts for all payments paid out of our pocket to the contractor to expedite the process. The fial inspection was performed and signed off 18 days ago and the company continues to hold our money provided by the insurance company. We have provided a total release of lien by the contractor as well as a paid in full receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Wells Fargo sold my private property to a 3rd party intervenor without my consent to do so. Then the 3rd party went & furnished damaging data about us that another Person uses as discrimination. 
I tried to resolve and cure this matter several times but Wells Fargo is out for blood. 
Wells Fargo never sent me the original contract I asked for. 
Wells Fargo also never balanced there books with me. I believe they have evaded the tax when it comes to my Private PropertXXXX.

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 2021-02-09
Company: EQUIFAX, INC.
State: VA
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:
I have been trying to dispute negative and inaccurate items on my credit report with all 3 bureaus for over 50 days now. I have not gotten a response from any of the three. I have sent multiple letters off to each of them. Even providing facts and quoting laws and codes from the FDCPA. It has been 59 days now and I have not heard anything from these bureaus or seen any changes to my credit report. This is wrong and unlawful. I am demanding the negative accounts and information be deleted from my credit report. You will see all of the inaccurate accounts in the letters I have attached. The bureaus are violating FDCPA section 807. They have also failed to respond or investigate my disputes within a timely manner. This behavior is completely unacceptable. It is restricting my family and I from living our life comfortably.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Resurgent Capital Services L.P.
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:
My name is XXXX XXXX, and my maiden name is XXXX XXXX. I am submitting this complaint without any influence from any third party or agency. 

I have attached all of the letters that I have sent to LVNV in response to the derogatory information that was placed on my credit report. I never received a response from the company from any of the letters that I sent out. Then they tried to take me to court in which they closed the case due to identity theft as I stated before, but they have yet to answer for the violations that have been done to me. They have ruined my reputation, my character and my chances in getting approved for credit. 
The information has been removed from my credit report, but I am still dealing with the after effects of the derogatory information that was place on my credit report. They have violated several US codes as listed in the attached letters. 
I have lost job opportunities, the ability to get a student loan to go back to school because of the information that was placed on my credit report. Although it has been removed, I did not gain the points that were taken from my credit score once this information was removed and I am still feeling the after effects of LVNV and Resurgent Capital Services and the information that was on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: NY
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/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In response to previous CFPB complaint XXXX, Paypal refused to provided the basic relief requested unless I contacted the executive escalation office. A representative called twice the day the response was sent to CFPB. The first time no message was left. The 2nd the caller stated in voicemail that Paypal would follow up in writing. Paypal never provided me their response. In initially reviewing the response on the CFPB sie, the email address they required me to contact them through was cut off. I did not realize that a pdf of the entire response ( which, again, was never sent to me ) was attached. Upon locating the email address I have attempted multiple times to contact Paypal as they directed. They have not responded. It appears their previous response was not made in good faith and they do not seem to have any intention of doing what they should have to begin with. Multiple attempts to call back the number used by the executive escalation office funnels to the main " customer service '' center. Not that they provide any service And representatives there repeatedly and hostilely claim to be unable to put me in contact in any way with the executive office. Similar responses were received attempting to use social media to get the communication promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$210.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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