BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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: Problem with personal statement of dispute

Complaint:
I have every one of my credit cards set up on automatic payment so that they are never late because I am trying to build my credit score back up. Since these were all on automatic payment I didn't pay as close attention to them as I do the ones I have to manually log in and pay every month. In XXXX however, I noticed when looking at my capital one app that I had been charged a late fee. I didn't see how that was possible since it was coming out of my bank account at the same time every month. So I called Capital One and was informed that they didn't know why but the account had been taken off of auto pay. I have four cards on there, all on auto pay, I did not authorize it to be stopped. The lady said she could get it started back up, that she didn't know what had happened but once they reported it as late to the credit bureau they had no power to get it changed. She told me She would take the late fee charge off on their end, which she did, but I would need to dispute it with the credit bureau. ( Which I did ). I don't feel that I should be penalized with a bad mark on my credit for something that wasn't my fault. I would really like that derogatory mark taken off please. I am working hard to build my credit back up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 victim discovered on XX/XX/XXXX on her XXXX credit report a fraudulent Bank of America credit account. The account was opened in XXXX and has been open since then ; this record only appeared on the credit report for the first time 7 year later in XXXX. The report also includes several incorrect addresses, which may or may not be related to the fraudulent account ( see attached statement ).

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 2021-11-30
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
I made a timely dispute of a vendor transaction for XXXX amex didnt submit it timely. 
then we submitted it a second time with a promise that if the vendor didnt respond, they would refund me. 
The fraudulent vendor of course didnt respond, but amex refuses to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have checking account with Wells Fargo with more than {$2700.00} in it, and Wells Fargo is making it very difficult to access the funds. I live XXXX in XXXX and have requested a debit card on more than one occasion so I could make withdrawals of my money at ATM machines, but the card did not arrive. On XX/XX/XXXX, I again called Wells Fargo to ask where the card was. The agents said they could not authenticate me for the account because I do not have a U.S. cellular phone number. I do not live in the U.S. so there is no reason for me to have the cellular account. I asked if there was any other way to access my funds, and they said there was none, except to travel to the U.S. and present my ID card. During my latest call, XX/XX/XXXX, I was passed from one agent to another, being put on hold each time. Finally I said I wanted to make a complaint. Wells Fargo transferred me to a supervisor. But she was very rude and said my friend, whom I authorized to help me with the call, could not listen in. She then hung up on me, after we had been on the call -- much of it on hold -- for 50 minutes. We were calling from XXXX. This is unacceptable, and I still don't have access to my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I been doing everything in my hands to solve the burden of my property for the past XXXX months with my lender. I did applied for a modification, I was denied, I did tried to do a shortsale with the help of a Real Estate Agent, this option was denied, Now I trying to sell the property as a regular sale. but the lender is not whiling to provide me with an extension to complete this process. My XXXX XXXX XXXX XXXX  my XXXX and XXXX of my XXXX, all being XXXX XXXX. This repulsive behavior resulted in criminal charges, I also requested to the court to obtaining a Quit Claim Deed or a Power of Attorney authorized to sell the property, but my XXXX XXXX on title, XXXX XXXX declined the request. Due to the attenuant circumstances my real estate agent requested a petition from the court to obtain a quiet title. This process would take several days or additional weeks. I been in requesting additional time to my lender, without a successful petition.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: EQUIFAX, INC.
State: NJ
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 called XXXX XXXX on XXXX occasions about hard inquiries on my report. There were XXXX of them in a 6 month span, and I advised them that I may have had only five of them. I alerted them that someone may have gotten a hold of my info and were attempting to open credit in my name. They refused to remove any of them and advised me to contact all sixty of the hard inquiries and attempt to " work something out '' with them. Is there anything I can do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions 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:
There was a XXXX  loan from the lender " XXXX XXXX '' opened in my name. I did not authorize this and, would like to report these accounts as fraud. The information shown on my credit report is inaccurate. 

The following accounts show up on all 3 credit bureau 's and is listed below in this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-01-03
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: Personal information incorrect

Complaint:
I have disputed this now for the fifth and FINAL time. I have an attorney on retainer and ready to sue Experian for furnishing my credit information to someone in Oklahoma. I have signed and notarized avadavits from over 40 people stating that I have never lived in Oklahoma. I understand that Experian is racist.

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 2022-08-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 you 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 block/remove these files. 

XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}. 

If you feel there is a possibility these accounts 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 account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: HSBC NORTH AMERICA HOLDINGS 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:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am a consumer and I am being violated of my rights as a consumer to have accurate credit reporting on my credit file with Equifax FCRA 611 ( 15 U.S.C. 1681I ) .Equifax has not verified the late payment reporting on my credit file and it is hindering me the consumer from purchasing a house. I have sent in Multiple disputes with Equifax about two student loans account that are being reported inaccurate on my credit file. I have disputed both of my student loans account 5x total and Equifax states that their information is correct. 

I have proof that Equifax is changing around my payment history and Equifax is not corporation with my rights as a consumer of having ACCURATE information on my credit file XXXX XXXX XXXX have stated that they have different payment history then Equifax. 

Equifax has never sent me how they Validated my payment history on both accounts being disputed. Equifax sent me a Statement of my student loans which is not a method of verification. 

CFPB I want to remind you it is your duty to protect the consumer from being poorly treated by the credit reporting company such as Equifax and to make sure that each file is showing accurate reporting. 

I also have attached the Statement Equifax sent me as their validation and both of my written letters with the tracking number attached. 

I also have attached a report that Equifax is reportedly differently then XXXX & XXXX and Equifax is missing information such as the Date of Last activity & date of last payment this is Illegal to report. ALL information must Match and be 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Exeter Finance Corp.
State: CA
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 am a consumer and natural person. I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX XX/XX/2022 and they have failed to show proof & record of a credit application or my written authorization to review my credit files XX/XX/2022. I am receiving adverse action letters and 8 hard inquiries on my credit report from various financial institutions. Who have also showed no proof and direct me back to the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: TX
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-07-05
Company: Navient Solutions, LLC.
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, I made a payment of {$740.00} on XX/XX/XXXX. I called on XX/XX/XXXX to have the payment directed to my Dept of Ed loan. I was in informed the first time that it would be done by XX/XX/XXXX. Since then, I have called multiple times including today XX/XX/XXXX and have been given a different date each time. I am super disappointed in how my payment is handled and due to the lackadaisical approach, the interest continuously increases. This money of {$740.00} I am expecting to go straight to my principal but with this incredibly long delay, I am unsure. 

I have already called four times to inquire about redirected payment and I am on week 3 of still waiting for that payment to be processed. All I keep getting is that it is in process and a different date for when it will be taken care of. Well guess what its NOT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX Contact info XXXX XXXX XXXX XXXX XXXX, SD XXXX shows a inquiry on my credit report Inquiry XX/XX/2020 that should have been removed 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 2021-09-08
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account was hacked with chime. My card was stolen and I lost around XXXX from my account. They denied my claim twice and when I got in contact again I was told my claim information wasnt even being reviewed they just denied it. I reached out to the business on XXXX about these issues I was having and they blocked me. At this point I feel as if I have been wronged to a point of needing 3rd parties I reached out to the XXXX  and they couldnt get any solution with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
See complaint no XXXX dated XX/XX/XXXX XXXX XXXX XXXX   was asked to ***1. Explain undocumented additional charges on statements from XX/XX/XXXX to present ***2. Explain the exact criteria to qualify for the available {$10000.00} deductible on flood insurance policies.

***3. Remove the {$39.00} late fee charged in XX/XX/XXXXbe removed as the payment was made timely but allocated to undocumented charges before being applied to interest.

The reply only addressed the undocumented charges.

I also would like an explanation as to why Capital One purchased an excess flood insurance policy for {$57000.00} in XX/XX/XXXX when there was an existing policy for {$100000.00}. The duplicate policy was purchased inXX/XX/XXXX BEFORE a decision regarding the {$10000.00} deductible was made on XX/XX/XXXX Initial reply ofXX/XX/XXXX ignored the criteria for the {$10000.00} deductible and the late charge in XX/XX/XXXX for a payment that was made on time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-29
Company: Experian Information Solutions 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:
I'm disputing the following accounts inwhich I have absolutely any knowledge of nor did I authorize such. But my main concern is why and how is the major credit bureaus reporting these accounts without certified physical documentation to support their reporting findings after these accounts has been disputed before, and a Method Of Verification was requested. Inwhich I never recieved, but re requesting now. I would like to know the name and title of the investigator, and inwhom did they speak with, what communication was used, fax, phone, email, etc. In concert with the FCRA either provide all the above or block these accounts immediately and permanently, ( 1 ) XXXX XXXX XXXX, # XXXX ( 2 ) XXXX/ XXXX XXXX XXXX ( 3 ) XXXX  {$3200.00} ( 4 ) XXXX {$1.00} 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 2020-08-03
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've  suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: WELLS FARGO & COMPANY
State: CA
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 am a consumer and natural person. I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX XX/XX/2022 and they have failed to show proof & record of a credit application or my written authorization to review my credit files XX/XX/2022. I am receiving adverse action letters and 8 hard inquiries on my credit report from various financial institutions. Who have also showed no proof and direct me back to the dealership.

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