BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: SC
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 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2021-04-01
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I requested a new card from American Express because my old card was suspected to have been breached. When they sent me my new card, they sent a the new card number to creditors who have automatic payments taken each month. In the process, they sent the new card number out companies that I did not have automatic payment withdrawn each month. Therefore, the card was placed in the payment section of accounts that I have no relationship with. My card information is all over the place. 

A charge from XXXX showed up, which I did not make. The contact number on the statement supposedly a XXXX number is a non-working number. As well, American Express place the new card in a XXXX account where all financial information had been removed because the account has been hacked and now I can no longer get into the XXXX account. The XXXX story is another saga in another complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24
Company: EQUIFAX, INC.
State: IA
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:
XXXX  continue send me email about credit cards. The I already been a prove. 2 months a go. I was opening the emails and filling the information the was ask. Always was Denied. The company XXXX was referring me Continue open my credit report. My score when down 54 point. I finally figure out there game. Now the want me to hire some with XXXX to increase my score, also they want to apply for credit. They know the I wont qualify. My score its low. Plus I got an account charging me {$1000.00} Which was my ex the primary person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, In regards to the entry of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$320.00} {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I am disputing 100 % of this profile collection entry. 
I am demanding that this entry be removed and blocked asap from my name and personal information on file with the CRA. 
With the on-going XXXX security breach, it looks like you are continually allowing bad data to take over your records. 
Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. 
Look at my history with you, in disputing junk and erroneous information. 

This does not belong to me and you are again aiding in ruining my credit profile with this erroneous account. 
REMOVE THIS ASAP!

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 2021-04-01
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX, XXXX  and EXPERIAN is reporting inquires to my credit from UNKNOWN SOURCES without my consent or knowledge. 

XXXX  is reporting 17 INQUIRES XXXX  is reporting 11 INQUIRES EXPERIAN is reporting 8 INQUIRES

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 2018-03-20
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: Investigation took more than 30 days

Complaint:
XXXX XXXX reported in XX/XX/2017 30 day late 's. They agreed to remove the lates. I was rescuing people in hurricane. They had my phone number incorrect and never called me. after speaking with supervisor they agreed to take it off my credit report. I can't refinance my home due to this late and might lose my home. Please help. -

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: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Hello, I recently gotten my capital one secured card closed for missing a payment or 2 I didnt know about Ive gotten no emails no calls ect and I didnt know of the payments or payment I missed. So I recently gotten ahold to my amount I owed my credit card company and I paid my amount if full which was XXXX dollars and they restricted my account then once my payment cleared with my bank they closed my account unknowingly, and it made my bank account go into overdraft. I called them to see why they would do that once my payment cleared and saw that I tried to pay it off then just closed it and they couldnt give me an answer, but they told me thank you for the payment then disconnected my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Enterprise Acquisitions
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
This is for a car rental. I was renting for a period of time. The car broke down and the company took no responsibility for the vehicle. They did not tell me that they weren't accepting responsibility and left me stranded for 5 hours. Additionally I had to find new transportation and I had to incur the cost of a hotel room because I was in another city when the car failed. The car is still sitting in the spot where it broke down because I had no idea what to do. Even the next morning after the company opened they still refused to pick me up or bring me another vehicle that worked. It seems they expected me to sleep in the car until they decided what to do about it. Nothing like this has ever happened on a car rental.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-09
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage with XXXX XXXX XXXX  was discharged in bankruptcy on XX/XX/XXXX Then, the worthless mortgage was acquired by Ocwen Loan Servicing LLC [ OLS ] on XX/XX/XXXX almost 18 months after the bankruptcy for {$130000.00}. 

Then on XX/XX/XXXX OLS began foreclosure proceedings in XXXX County Court, Florida. I was told that the Foreclosure was for clearing the title and not an attempt to collect the " XXXX '' debt. 

The subject property was sold on the market in XX/XX/XXXX for {$160000.00}. 

On XX/XX/XXXX the property loan balance {$130000.00} was removed from OLS books including late charges of {$1500.00} The removal of the loan balance, called a " cancellation '' of debt by OLS, created a XXXX for XX/XX/XXXXof {$130000.00}, FIVE years after the bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Altisource Portfolio Solutions, S.à r.l.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX, 2017, I was the highest bidder on a property listed on XXXX. The property address is XXXX XXXX XXXX, XXXX, MD, XXXX. The house is titled to XXXX XXXX XXXX XXXX XXXX and was acquired through foreclosure on XXXX XXXX, 2017. I want to buy this house, but I have no confidence in the sellers ability or commitment to provide an insurable title due to a lien on the house. On XXXX XXXX, 2017, I entered into a contract for the purchase of the house. Per the contract, the seller is listed as XXXX XXXX XXXX, XXXX. The document processor, XXXX XXXX, is employed by AltiSource.com. My real estate agent is XXXX XXXX of XXXX XXXX XXXX XXXX XXXX and the title company is XXXX XXXX, with XXXX XXXX as the title attorney. The contract specified the closing must take place by XXXX XXXX, 2017, or I would suffer a penalty. I obtained a loan commitment and was prepared to close on XXXX XXXX, 2017 and scheduled closing for XXXX XXXX, 2017 at XXXX XXXX The closing did not take place because the seller could not provide an insurable title because of the pre-existing lien stated above. The seller had been advised that there was a problem with the title by XXXX XXXX several days in advance of the closing. I was advised of the issue on XXXX XXXX, 2017. Attempts were made to resolve it up to the last minute. The original contract extended to XXXX XXXX, 2017, with one additional extension since that date. In total, there have been four closing dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now, XX/XX/XXXX. My interest rate commitment ended on XXXX XXXX, 2017. Ive had to pay {$48.00} per day to keep my interest rate lock in place. I want to know the steps, if they have taken any to this point, to resolve the lien. To this point, XXXX XXXX, the contact point for AltiSource, has provided my relator with no substantial updates. He has failed to give her a plan of action for how they are addressing the lien on the home. XXXX XXXX has also ignored requests from both XXXX XXXX and XXXX XXXX for additional points of contact and additional details. In the emails provided, XXXX XXXX responds to XXXX XXXX questions about how he and AltiSource are fixing the issue by asking if I want to void my contract.

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 2020-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On XX/XX/2019, my car was broken into and my wallet stolen with all my credit cards, including my Capital One Credit Card. I immediately filed a police report and either reported all my cards stolen or locked them. In the case of the Capital One card, I locked it. 

With the card still locked, on XX/XX/2019, someone used it to get {$200.00} cash advance. On XX/XX/2019, someone used it to get another {$200.00} cash advance, then spent {$2500.00} and the XXXX XXXX in XXXX XXXX XXXX, XXXX, then {$4300.00} and {$5600.00} at the XXXX XXXX XXXX XXXX, all using the chip on the card. 

I called Capital One to report the fraud, and over the next several days, over {$100000.00} more was attempted to be spent on the card. After speaking with Capital One again, they assured me their fraud department would investigate and everything would be fine. However, several weeks later, the multiple cash back transactions and the three charges at the XXXX XXXX for {$12000.00} remained on my balance. I called again, and again they told me they would investigate. 

In XX/XX/2019, Capital One began attempting to pull money from my checking account directly to pay the balance. This is unacceptable as there should have been an open fraud investigation into the matter. During this investigation I have continued to hold this high balance on my card, earned interest on it, and have been taking a big hit to my credit score. 

After several more phone calls with Capital One, it seems they are intending to determine that I am responsible for the charges made on my stolen card because they can't prove the card was stolen, despite my providing them the police report from XX/XX/2019 stating my car window was smashed and my wallet was stolen. Further, they are refusing to provide me with any information/documentation as to how they came to this conclusion, nor have they mailed me any paperwork to document any of my claims or phone calls during this process. 

My card was stolen and used without my permission. Capital One has stonewalled me at every turn in resolving this issue. I can't be held liable for money I didn't spend. 

Documentation : police case # Statement showing fraudulent charges

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX provided validation of debt with inaccuracies. The card acceptance certificate dated on XX/XX/XXXX to XXXX XXXX XXXX XXXX, TX XXXX was not my current address. From XX/XX/XXXX - XX/XX/XXXX, my home address was XXXX XXXX XXXX, TX XXXX and from XX/XX/XXXX to current my home address is XXXX XXXX XXXX XXXX, TX XXXX. My email address XXXX XXXX has listed for me is XXXX. This is also invalid. 

I will be filling a copy of the acceptance certificate with my police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05
Company: Innovis
State: AR
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:
XXXX XXXX FAILED TO REMOVE THIS ACCOUNT NO # XXXX AS PROMISED in several LETTER. PLEASE RE-DELETE XXXX XXXX XXXX ACCOUNT FROM her INNOVIS CREDIT REPORT TODAY. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My daughter brought a car and Wells Fargo is the bank the finances the vehicle she brought this car from her former job area it was a XXXX dealership car XXXX XXXX 2014 I think this vehicle somehow was put in my name through the company my daughter work for because of her credit. The car was pulled XXXX from a parking area at onXXXX of her friend 's house because she didn't have an up-to-date sticker the tow company kept a car in contact the Wells Fargo Bank the finance company on the vehicle that's the time I found out this vehicle was put in my name as well as my daughter 's name her name is XXXX XXXX she has reached out to Wells Fargo Bank numerous the time to correct this error but for some reason my credit has took a major drop because of this incident this is not my debt this is my daughter 's dept and she's has tried to accept this debt and have XXXX Wells Fargo bank that this is on her, not her dad. But they have not removed this debt from my credit. Can you help me get this removed immediately thank you. 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 2018-07-19
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I applied for a Citicard, they denied it because I refused to give them certain further information and now they are sending me credit are statements and wont let me close the account even though I have tried 5 times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I received a call from a phone number XXXX XXXX XXXX ) asking me to provide my I-94 information to the agent. To convince me further on the authenticity of the call, he asked that I visit the ICE website to confirm that he is calling with the Washington phone number. He went on and on to say a legal file has been charged against me. He asked me to read loudly the rules/laws on the ICE website, he said I was under investigation and my crime is that I didnt file my alien registration number on my I-94. 

While on the call with him, a number was calling me repeatedly and he asked which was that? I said I dint know so he asked me to call out the number and he said I should check on the internet to find out who it was. I checked and the phone number is for the XXXX Police Department. 

He threatened that the Police have been given a warrant to arrest me and they are on the way to my house. The call was transferred to another lady who spoke to me about whether I choose to be arrested for my crime or I want to pay a Bond. The XXXX police Dept number also called and spoke with me about my arrest threatening that I have 25 mins to pay the Bond. 
I was made to transfer a total of {$2900.00}. After which they asked me to pay another {$490.00} as late payment fee. It was at this point I ended the call because I realised I had been hypnotized and scammed. 

The request for late fee got me snapping out of the hypnotised state. 
I ended the call and immediately called my bank to explain everything that happened. 

Note : Gave his name as : XXXX XXXX Batch No : ICE XXXX Police officer called with ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX They issued me a Bond ID number : XXXX XXXX I was threatened to send money to XXXX XXXX proposed to be the legal attorney in charge of my case. She gave her number to transfer my Bond via my bank transfer - XXXX. I transferred {$970.00} three times as they instructed 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 explanation
Consumer complaint received 2019-02-11
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX 2018XXXX XXXX XXXX 2018.IN XX/XX/ 2018 I FILED A CHAPTER XXXX BANKRUPTCY. THE JEEEP WASNOTINCLUDED. IT IS FINANCED THRU XXXX XXXX. THEY ARE NOT REPORTING MY POSITIVE ON TIME PAYMENTS TO THE CREDIT BUREAUSTO RAISE MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: GLA Collection Company, Inc.
State: KY
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 XXXX  has consistently and repeatedly reported incorrect information to the credit bureaus, currently reporting late payments on accounts that are in collections, and have no payment agreement in place. Therefore, misrepresenting my relationship with them, and causing harm to my financial situation. The credit bureaus have allowed them to continue to be negligent and harmful and get away with it. 

Collections accounts are not allowed to have a history of late payments! I do not have a payment agreement in place with these companies. Please delete these grossly incorrect and damaging reports from my credit reports. A collection is by default, derogatory, this goes without say. Please delete these immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 XXXX  has consistently and repeatedly reported incorrect information to the credit bureaus, currently reporting late payments on accounts that are in collections, and have no payment agreement in place. Therefore, misrepresenting my relationship with them, and causing harm to my financial situation. The credit bureaus have allowed them to continue to be negligent and harmful and get away with it. 

Collections accounts are not allowed to have a history of late payments! I do not have a payment agreement in place with these companies. Please delete these grossly incorrect and damaging reports from my credit reports. A collection is by default, derogatory, this goes without say. Please delete these immediately!

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