BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In review of my credit reports, I noticed that there was a " Charge-Off '' account for Capital One Auto. I contacted the creditor to request documentation on the " Re-Sale '' of the repossession of the vehicle. 

I received a letter from Capital One Auto stating a balance only but with no other documentation. ( See Attached ) I am trying to " Validate '' the said balance with what they are indicating is due. I ask specifically for information on what happened to the " collateral '', what did they receive as settlement, how much did the insurance company pay. 

I'm at a total loss of this balance and would like for Capital One Auto to provide me with " ALL '' documentation that pertain to this account. A simple letter does not suffice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, 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:
This is 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 items listed below are still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureaus 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 items completely from my Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is 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 items listed below are still reporting on my credit report in violation of federal law. The XXXX/TransUnionXXXX Credit Bureaus 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 items completely from my Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02
Company: EQUIFAX, INC.
State: PA
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 and Equifax is currently reporting 2 collection accounts that i have no knowledge of. I was never given a DV from either company and they are incorrectly reporting on my credit file. 

XXXX XXXX - i disputed this account with the CFPB and the company also stated that they have no accounts reported. but its being reported by XXXX ( doc attached XXXX XXXX XXXX - also is another collection being reported and i have no knowledge of and was not given a DV

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: Experian Information Solutions Inc.
State: FL
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:
On XXXX/21 I sent in a FTC report, as the Federal Law tells me to do, Because I reviewed my report and noticed Fraudulent accounts or accounts that dont belong to me. I was told the would investigate. Well its been months. Nothing has changed. I started to do research and found per FCRA 605B All Fraudulent information must me blocked from my credit file. Its bad enough someone used my information, but the worst part is Im stuck trying to prove myself and get my identity back. Its is really sad. Its seems like I need to file a complaint against XXXX XXXX and Experian with FTC and XXXX. Because Ive never done business these companies or entered into a signed contract with. 
XXXX. XXXX XXXX acct # XXXX XXXX. XXXX Acct # 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 2019-01-24
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: Account information incorrect

Complaint:
Today ( XX/XX/2018 ) I learned my outstanding mortgage balance is nearly {$10000.00} higher than it was a month ago. I called XXXX XXXX XXXX XXXX  to get it either 1 ) corrected or 2 ) explained why this occurred. Instead of providing help they asked me to send them evidence and mail them a credit dispute. 

I'm mailing the letter tomorrow and will attach the screenshots showing the discrepancy between what XXXX  and Equifax ( XXXX XXXX ) and XXXX XXXX app. 

Additionally, considering how fraudulent XXXX has conducted themselves in the past, I'm inclined to not pay another mortgage payment until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: M&T BANK CORPORATION
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I got My Mortgage back in 2016 with XXXX Mortgage at the time it was a conventional loan but due to student loan they switch it to an FHA last minute so i can close on my loan. I wasn't paying student loan but i had to act as if i was so my DTI went higher my credit score and work history had me at a conventional loan. They told me that once i hit 20 % on either loan i can have the XXXX or XXXX whatever you want to call it removed. I was told the only difference on FHA was i had to ask the XXXX to remove it once in got to the 20 %. My loan since then has changed hands several times over the years. I ask since after year one to have the XXXX removed several time. I even contacted the FHA to ask how that work in my attachment you will see i contacted them and M & T who has my mortgage now several time asking if i can talk to the right person so i can have the XXXX removed due to what it say in the FHA info they sent it say that if the lender and i come to an agreement i can have the XXXX remove with in 15 days. I have showed M & T this several time i don't have the emails or phone call or letter from them from the first few times ive asked. But i due have the ones i just asked them again. They choose to only go bay the rule that says it for the life of the loan which isn't true it can be for the life of the loan in many different ways it say on the info that FHA gave me but at the bottom it also say i can be removed with an agreement between us both. All they really due is blow me off and send me a letter like the one i have attached saying it for the life of the loan once again which isn't true. Please read threw my attachment from FHA and M & T bank and you could even talk to FHA your self and they will tell you the same thing they told me that it is possible to remove the XXXX off my loan Thanks for your time.

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: EQUIFAX, INC.
State: PA
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, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the FAIR CREDIT REPORTING ACT, XXXX XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states that I have a right to privacy 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

also, 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open end credit plan as late for any reason

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 2022-04-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remove per 15 USC 1681c-2.

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 2022-04-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Has violated my rights 15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2. also states a consumer reporting agency can not furnish your acct without my written instructions.

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 2021-12-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had sent over a complaint and when I received my response some important information was not considered. I have been calling the number on the letter and have sent emails but no one responds. This is an issue with td bank which their employee gave me incorrect information on a check ( stating that it had cleared both banks ) while in fact it had not cleared XXXX XXXX bank and it was a fraudulent check. Td bank has confirmed with me that their employee gave me the wrong information but are not taking responsibility for giving me the incorrect info. I need to speak with someone directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: ALLY FINANCIAL INC.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt collection for an auto loan reporting on my credit that is not mines. I have never opened an auto loan with this company mentioned nor have I cosigned for anyone else. This information is completely false and does not match any addresses that I ever I resided at.

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 2022-04-07
Company: EQUIFAX, 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:
Regardless of the multiple written requests, the unverified public record listed below is still reporting on my credit report in violation of federal law. I'm telling you once again that I did not file for XXXX This is an attorney error. I had a consultation with a XXXX attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a XXXX on my credit report! I never filed. I never went through XXXX Please remove it immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: SC
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:
I need these reports to go to all three credit bureaus. XXXX, Experian, and XXXX. The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate. The date last active is inaccurate and date last reported is not accurate. This is grounds for removal also violated my rights under 1581.

15 USC 1581 Section 694 A It so states the right to privacy.

15 USC 1581 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The credit bureau are reporting information on my personal credit report that shouldn't be on it without my permission. I've disputed the following items and they still haven't remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX.

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 2021-12-01
Company: ATG Credit, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX/XXXX/2021 - I received an alert that debt from ATG Credit was added to my credit report ( XXXX ) for XXXX debts for {$110.00} & {$74.00}. I never received any letters from this debtor or anyone else about this debt. However, I reached out to confirm where this came from and was told that letters were sent to an old address where I had not resided for several years. This medical debt was placed on my credit file with no knowledge of letters being received. I have had this issue with ATG credit placing things on my credit that is not valid from the past. Also, any debt owed to them has been paid in full and should not be reflected on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Revco Management, LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CBCS KEPT CALLING MY CELL AFTER CEASE AND COMMUNICATION LETTERS AND DURING AUTOMATIC STAY BK XXXX. 12 CALL DOCUMENTED SCREENS SHOTS.THEY ALSO WERE CALLING MY HUSBAND AT ( XXXX ) XXXX 15 TIMES AFTER THE SAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: ACIMA CREDIT, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT FKA XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/22 I was looking to fill a rx and seeking delivery service. I was led to make a payment through zelle which I never used before. The zelle payment request led me to my banking app I use weekly so I trusted the process. I sent {$100.00} to zelle account specifically requested to email XXXX and name XXXX XXXX as the recipient then text receipt to XXXX and my product would arrive in one hour. After 2hours I contacted the bank was instructed no refund would be issued and to contact zelle after doing so I was told to provide any info I had and it would be investigated. I asked if there was a way I could receive an update to the case or receive resolution after investigation I was told no due to privacy policies. I can no longer communicate with caliplugcarts.org through chat option it has been disabled and they no longer are responding to my texts after requesting a refund because they stated I would have to increase my order to {$230.00} if I wanted to receive my rx. So I have spent the next 10hrs seeking justice or a resolution to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: TX
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:
Please remove the accounts and inquiries i have been disputing for months now. I have sent a couple of letters to the bureaus but they remain hard and insists on keeping these unverified accounts and inquiries. This is a violation of my rights so i am writing to you as a last resort. I am hope that you will hear me out and remove them. You may find them in the letters i have attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: WELLS FARGO & COMPANY
State: AP
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On or about XX/XX/XXXX Wells Fargo bank required me to have a US address on my bank account # XXXX ( now closed ). I complied Adding my us address to the above account. 
On XX/XX/XXXX ( 6 days before XXXX ) Wells Fargo bank closed my accounts and mailed checks to my USA address. 
Wells Fargo stated it was because I had a foreign address. 
Wells Fargo also received my direct deposit amount XX/XX/XXXX and returned it twenty days later on XX/XX/XXXX. 
This has cost me to this date {$230.00} In banking fees as well as added stress before XXXX and all of XXXX so far. 
I request payment for the above amount. 
Does Wells Fargo bank not know people have vacation homes in other countries? 
There is a worldwide pandemic going on. Do they not know this? or do they not care? 
I'm not sure if it's my XXXX XXXX  affiliation or my XXXX family they are attacking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo bank customer.

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