BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft BANKAMERICA Account Number : XXXX This is not mine.

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 2020-06-23
Company: EQUIFAX, 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:
I disputed the XXXX  account act # XXXX with Equifax, XXXX  and XXXX  and the fraudulent, incorrect information is still there. I do not know who XXXX is. I have never signed an agreement with XXXX. They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX ( {$97.00} ) with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX ( {$97.00} ) is. I have never signed an agreement with account XXXX ( {$97.00} ). They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX ( {$170.00} ) with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX ( {$170.00} ) is. I have never signed an agreement with account XXXX ( {$170.00} ). They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX ( {$83.00} ) with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX ( {$83.00} ) is. I have never signed an agreement with account XXXX ( {$83.00} ). They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX ( {$92.00} ) with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX ( {$92.00} ) is. I have never signed an agreement with account XXXX ( {$92.00} ). They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX ( {$58.00} ) with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX ( {$58.00} ) is. I have never signed an agreement with account XXXX ( {$58.00} ). They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX ( {$92.00} ) is. I have never signed an agreement with account XXXX ( {$92.00} ). They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX is. I have never signed an agreement with account XXXX. They should NOT be on my credit profile. This is fraud. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 The fraudulent information remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Capital One 360 has not gave me my rights as a citizen of the XXXX, to let me spend my or use my Capital One 360 Account since I open it, the excuse they gave me was I was not XXXX XXXX, I was a FRAUD And I answered all the questions correctly and they still denied me my account, for over 6 years. I think it 's been over 6 years

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have fraudulent accounts listed on my Equifax credit report that do not belong to me. I have sent numerous letters, copies of personal identification information and police reports to Equifax informing them the following fraudulent accounts do not belong to me and that I am a victim of identity theft : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Child Support ENFORCEMENT, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express mailed me a solicitation to apply for the American Express Delta SkyMiles Card. The  solicitation promised XXXX bonus miles if I was approved for the card and spent {$2000.00} on the card. 
I responded to the solicitation, applied for and was approved for the card. Then, as induced by the solicitation, I made a financial transaction in excess of {$2000.00}. 
I was then granted XXXX bonus miles, instead of the XXXX promised. I contacted the company and they said, Oh, your offer was only XXXX. 
I still have the original offer in my possession. I have provided a copy of it to American Express but to no avail. 
I believe American Express used a bait and switch scheme to fraudulently induce me to make a financial transaction in excess of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I previously submitted complaint XXXX regarding this issue but it was closed without my being allowed to dispute HSBC 's response. 

I submitted an application for an HSBC Advance account on XX/XX/XXXX. This was after I saw the terms and conditions of a bonus offer that stated I would receive a {$350.00} bonus if I deposited {$10000.00} into the account and maintained that balance for 90 days. The fine print stated I would not qualify if I had an account between XX/XX/XXXX and XX/XX/XXXX ( attachment # 1 ). I confirmed that day ( XX/XX/XXXX ) in an HSBC chat that my previous account had been closed on XX/XX/XXXX ( attachment # 2 ). 

Th account was then opened on XX/XX/XXXX and I maintained the {$10000.00} balance for well over the 3 months. I contacted HSBC via phone, chat, email several times and did not receive an actual substantive response until I filed my first complaint. 

That response indicated the terms I explained above were not posted until XX/XX/XXXX, a day after I applied. Per the representative, the terms in effect at the time of my application disqualified anyone having an account between XX/XX/XXXX and XX/XX/XXXX, which would disqualify me. 

However, I dispute this. While the PDF of the offer I saved was not date-stamped, I found a date-stamped {$750.00} HSBC offer from XX/XX/XXXX citing the XX/XX/XXXX through XX/XX/XXXX disqualification time period ( attachment # 3 ). I also would not have applied had the offer I applied for stated XX/XX/XXXX through XX/XX/XXXX. The fact that I still applied after confirming my previous account had been closed on XX/XX/XXXX is evidence of this. 

Regardless of HSBC 's claims, the terms at the time of my application did not cite the XX/XX/XXXX through XX/XX/XXXX disqualification period. It seems very possible that the terms were posted a few days earlier than intended but that is HSBC 's error, not mine. I followed all the instructions and met all the requirements at the time that I applied ( evidence attached ) and should be credited the {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: AR
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Finance of America Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been grossly fraudulently misrepresented, mislead, bamboozled, in addition to having my identity, and social security number compromised by Finance of America, it's mortgage broker representative ( XXXX XXXX ), and his assistant ( XXXX XXXX )!!! 

I applied for a mortgage refinance on XX/XX/XXXX with Finance of America ... documentation requested, and provided included the attached documents : Copy of my driver 's license/social security card ... 1 month paystub ... XX/XX/XXXX tax returns ... XX/XX/XXXX tax extension ... XX/XX/XXXX/XX/XX/XXXX W2 's ... property mortgage statement ... rental agreement. 

I have even consented to providing the opportunity to Finance of America, and it's representatives to right the wrong that has been performed, and they still continue to fumble, and stumble, and continue to have done NOTHING but exhibit a fraudulent negligent ineptness which is still to this day taking place with XXXX XXXX stalling, and not being able to fulfill the task responsibility of getting the loan process properly completed, and closed in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX 2017 Hurricane Irma hits XXXX. Therefore, I was out of work for an entire month. This represented a huge cut on my income. I was struggling to make payments on the car loan for the first time since I purchased the vehicle. I spoke to the bank and requested to give me a grace period but they denied my request. In addition to this ordeal, on XXXX the XXXX my XXXX year old son drove my car and totaled the vehicle. Unfortunately, Insurance company refused to cover the expenses due to the fact that he was not added to the insurance policy. I had no choice but to let the bank repossessed the vehicle. I was left without a car and with a negative remark on my credit report.

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 2019-07-30
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied HAMP Tier 2 Loan Modification to BBVA Compass and requested them through certified mail and they asked me to send them more documents for their processing as enclosed evidence are true and correct copy of their requests and is in incorporate by reference as if fully copied herein. BBVA Compass have allegedly been attempting to modify my loan, nevertheless, BBVA Compass later refused and rejected, and thereby they forced me to pay off my whole debt loan. Payment in arrangements are in the verge of being process and in order for me to stay in my home, I found a buyer and asked once again BBVA Compass to re- consideration first approve my Loan Modification, in response of an alternative solution and possibilities while waiting for my buyer to close. I was trying to work on with my buyer and BBVA Compass always demands to pay off my loans debt in my home, at the same time, threatening me to foreclose, hereto a purchase contract enclosed ( a true and correct copy of the purchase contract and is incorporated by reference as of file of copied herein ). In spites of my diligence in assisting my buyer to close her third party financing ; BBVA Compass wanted to acquire said property and had no intent in mind to allow me to sell and close the sale of my buyer in order to cure my defaults. I had expended a lot of time and money and invested my entire life savings to my homestead and as such a great wrong was done by BBVA Compass. In my assertion that BBVA Compass were not dealing with me in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
AGAIN -!! 
These CROOKS are not even BOTHERING to read my posts here, let alone look at the attachements - CFPB is gutless and useless - I have not posted this to several other Government watchdog sites, that have BITE. 

I have sent in MY DOCUMENTATION - Here is your Lame excuse for a response : " XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Discover Bank XXXX XXXX account ending in XXXX Consumer Financial Protection Bureau Case # : XXXX and XXXX - - After an additional review of all information previously provided and your recent correspondence, our position remains unchanged as no new information has been provided. Please note, that we also indicated to you previously that without the presentation of new information that has yet to be considered, we may not respond to future correspondence regarding this matter. As you did not provide any new information within the email correspondence previously sent to the Executive Offices of Discover Bank, as indicated within our prior response to you, we did not respond regarding this matter. Please note that the documentation you continue to provide is not sufficient for our identity verification process. We need documentation to validate your social security number, such as a copy of the front of your social security card. Also, please provide us with a new copy of the back of your drivers license. '' ARE YOU KIDDING ME... I HAVE SUBMITTED MY XXXX WITH EVERY COMPLAINT HERE ... MY SOCIAL SECURITY CARD IS BEING SENT - WHICH IS WHY I HAVE SENT MY TAX RETURN - THAT IS XXXXL - PLUS THE XXXX XXXX PAGE SHOWS THAT I WAS TO HAVE RECEIVED THAT AMOUNT FROM IRS FOR REFUND - SO THERE IS NO EXCUSE!!! IF AND ONLY IF, I SENT YOU MY CARD - I WILL BE REDACTING ALL BUT THE LAST 4 DIGITS ... I DON'T TRUST YOU. 

AS FOR NOT RESPONDING TO YOUR EMAILS - WHAT IS WRONG WITH YOU? I HAVE/HAD BEEN SENDING NUMEROUS EMAILS - NEVER GOT A RESPONSE!!! WHAT IS YOUR EXCUSE FOR THE COPIES THAT I HAVE ATTACHED HERE??? YOU KNOW YOU ARE GETTING THEM - YOU KNOW YOU HAVE GOTTEN MORE THAN ENOUGH DOCUMENTATION TO RELEASE MY ACCOUNT ... YOU ARE IN THE WRONG AND IT HAS BEEN OVER 7 MONTHS! 

I AM DONE PLAYING GAMES - THIS AND ALL THE OTHER CORRESPONDANCE BETWEEN US HERE AND ALL OTHER MEANS, HAS BEEN FORWARDED, AND YOU WILL BE HELD FULLY LIABLE. 

HOW DARE YOU ... YOU ARE LYING, MISDIRECTING, EMBEZZLING AND CONTINUE TO " MISAPPROPRIATE '' MY FUNDS - NOT YOURS ...!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Bank is not updating properly

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 2019-07-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I initially had a home equity loan with Wells Fargo. They changed it without our consent or knowledge to a conventional mortgage.They claim that they could legally do so without my consent. In the process of switching, they inadvertently left my name off the loan. For several months, I failed to gain the benefits, credit wise as I noticed a decrease in my credit score ; I don't know if this error caused it or not. The most significant problem is that I try to pay off the loan ( in the amount of {$140.00} ) and they won't allow me to pay the loan off. They claim that there are almost {$5000.00} in recovery fees that must be paid first before they can accept the {$140.00} payment. I have been speaking to one associate to another trying to figure the exact origin of these fees and exactly what they are for. They told me that it was for a lapsed insurance policy. I provided documentation from XXXX XXXX and they still have fees and no one can tell me why. Also, I noticed on a statement that they paid insurance for me each month. They charged me the fee and then they waived the fee. Again, no one can explain why. I am supposed to have this loan paid by XX/XX/XXXX but nothing has been resolved over the past month. I should not have to pay for something that they can not explain and show that I owe. Furthermore, it is wrong to not accept the {$140.00} payment of my loan because of these fees that they can not explain.

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 2020-10-09
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: Their investigation did not fix an error on your report

Complaint:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : DEPT OF ED/XXXX   XXXX Inaccurate DEPT OF ED/XXXX  XXXX Inaccurate DEPT OF ED/XXXX  XXXX Inaccurate DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the accounts listed below are still reporting on Experian in violation of Federal Law. Experian failed to comply with 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. 

( XXXX XXXX, XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX CARD 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 2019-01-01
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ran my credit for the first time via XXXX XXXX.. Noticed charges I am not in anyway familiar with per credit agencies listed below. I would like to have these items of concern rectified and cleared from credit profile.

Please see the following.

( 1 ) - FAIR COLLECTIONS AND OUT states that I owe {$2100.00}. I know nothing of these charges and would like for this to be rectified and cleared from my credit score account.

( 2 ) - XXXX XXXX : {$560.00} Anything you can do will be greatly appreciated.

Mr. 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 2021-12-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The accounts Portfolio Recovery is attempting to collect on were opened fraudulently. They refuse to accept that fact and work toward a solution. To continuously call and reopen collection attempts. Ive disputed the accounts numerous times through credit bureaus to no avail. They are attempting to collect on accounts they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
In early XX/XX/XXXX called capital one and disputed two late payments of XXXX each. As i pay with online banking and see that all payments were sent to the credit card company. the two late fees were given because the credit card company said the payments came in 24 hours to soon an were posted on the previous billing cycle. My statement date for late payments is the XX/XX/XXXX of the month. I use bill pay and the payments are sent out 2-3 of each month when my ssdi check clears. The second late fee was not removed till i opened a cfpb complaint XXXX on XX/XX/XXXX. 24 hours after making the complaint a high level capital one rep with her own phone number and pin code to call called me. She removed the late fee but would not move the payments to the right months. On XX/XX/XXXX Statement the bill was wrong do to the late payment and there system showing late month payment was missing. I disputed that bill with the capital one rep. This month bill there is now a XXXX late fee on a disputed account for missing payments. A letter of dispute was faxed and mailed to capital one before this months billing cycle ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
22-year old debt : 1. fixed income prohibits making regular principle and interest payments 2. debt grows exponentially each year - no end in site 3. no consistent tracking records available for accumulated penalties or interest 4. purchased by multiple companies so document tracking is fragmented/non-existent 5. to-date payments on {$18000.00} loan, approx. {$30000.00}, representing a 60 % ROI ( please See attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation