BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I had 3 credit cards with Capital One. All in good standings. A platinum, spark and XXXX for many years. In XX/XX/XXXXXX/XX/XXXX2020, I changed bank accounts and the auto pays went through my old bank account. After I received notice of this, I quickly called and rectified the situation to bring my account current. The next day Capital One closed all my accounts! Not only that but raised my interest rates ( they are different every month ) and I am not able to use these cards but still have to pay them monthly with extremely high rates during the entire year with NO WORK! They disabled their email contact forms, and the wait times for phone calls was over 8 hours. The unbelievable amount of unanswered complaints has lead to full Internet forums including joining class action lawsuits. My credit score dropped over 100 points and Im still paying my monthly payments just being able to cover the interest! This is so wrong and unethical on so many levels! These cards were meant for food and supplies during this time! One card I had for 15 years and only had that one late payment! Please Help! They need to be held accountable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Credit Karma, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I no longer have access to my old email or my old phone number with credit karma and I need to reset my password with them and theyre basically advising me that theres no other way to reset the password except with those two options which I find to be ridiculous theyre not giving me the opportunity to send my identification or send any documentation to verify my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: AES/PHEAA
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on or about XX/XX/XXXX I noticed that my accts are closed and transferred to a rehabilitation office im no longer with that servicer which was aes and XXXX bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
upon viewing my credit report I have come across several discrepancies reflecting accounts that were opened fraudulently

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 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am divorced as of a year ago in XXXX, filed chapter XXXX bankruptcy which was filed on XX/XX/19, loans against house through XXXX and XXXX were both taken off credit report, ex husband changed loans through another company for house and now my name is back on loan as joint account holder and it is on both XXXX and Transunion credit reports after having been removed from bankruptcy, talked with Transunion, not easy to get this task done, also emailed XXXX but forms are difficult to complete and although it was taken off credit report and put back on by them I have to jump through hoops to get this done, in a nutshell, XXXX XXXX XXXX has my name on account, cannot contact them or talk with anyone because I have no account info, so I am in need of assistance. bankruptcy lawyer more than willing to submit papers but no one even has a fax number, but tons of forms to fill out, I don't understand how it was taken off by them but placed  back on in error but not able to be fixed.

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 2022-10-25
Company: EQUIFAX, INC.
State: OR
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 recently checked my Equifax credit Report & noticed a fraudulent collection account posted within my consumer profile. I took the initiative to give XXXX a call about this Fraudulent collection account, I spoke to a representative named XXXX and he informed me it must be a mistake because I currently have XXXX XXXX and my current bill is up to date. In order to keep XXXX services your monthly bill must be on time to keep service. XXXX informed me to ignore the Collection company XXXXXXXX XXXX which XXXX sold my personal information which I did not give the company to furnish a fraudulent collection account. XXXX aslo informed me that my name on this collection account doesn't match my name, which clearly indicates Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Aqua Finance, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I bought my home in XX/XX/XXXX, shortly after I received a notice in the mail that I had a package. So I was thinking that maybe a package was trying to be delivered that I missed. So I called the number and found out that it was regarding a water softener. 

The sales man came out like the end of XXXX beginning of XXXX, went over his sales pitch and showed me how bad my water was and how if I get their water softener all the benefits that come with it. 

He then start asking me how much we pay for drinking water, dishwashing liquid, hand soap, filters for the refrigerator, and laundry detergent. It came out to like {$110.00} a month. He then said we can cut that in half {$54.00} and give you free dishwashing liquid, shampoo. hand soap, and laundry detergent. He ended it with you'l pay {$54.00} a month for 5 years, and I had 3 months to start paying, in which my first payment, would be due XX/XX/XXXX. He just needed to do a credit check and send an installer out. 

Awesome right, wrong! The installer came out, he had to drill holes in the wall, unbeknownst to me a that was never mentioned. Then the water was soft the first 3 months, now it's feeling hard again even after we bought bags of salt from XXXX. With our ice maker on the refrigerator he pointed out you see all this white residue was the chlorine that's in the water prior to the installation of the water softener, however after the water softener it's still a white residue, so pretty much nothing changed. 

Here 's what brings me to my complaint today.I feel like I was GOT, this was a gimmick. I look at my credit report often since I'm a victim to identity theft. I noticed that Aqua finance is on my credit report, reporting the product at {$46000.00} and the balance that's due today is {$4400.00}. If you take the {$54.00} I was told that was due each month and multiply that by 5 months that's come up to {$270.00}, right, wrong. For every payment I make for {$54.00} {$37.00} goes to interest, in which that was never discussed. So out of my {$54.00} only {$16.00} is going to the premium. 

Since it was a loan, I figured it was like you going to The XXXX XXXX or XXXX, where you get a piece of furniture and all the finance charges are included in that monthly fee. Well I called the customer service number on Thursday and basically the rep was like yes the interest is like {$1.00} a day. Now come on do you think I would've got myself in debt like this, I'm very smart when it comes to my money, I just don't spend it carelessly. 

Now the sales man lied to me and keep in mind I didn't receive my first bill until XXXX by that time it's too late to return the waters softener because you only had like 3 days to do that after installation. This company is a rip off and they need to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinanced and paid off my mortgage with PenFed on XX/XX/2020. On XX/XX/2020 I was denied access to my on- line account. I was not able to pull up any information at all. I repeatedly contacted PenFed requesting my access be returned. They initially told me this is what happens when the loan gets paid off. The account is closed and you can no longer access it. Subsequently I was told that this was an error and it is not normal for me to not have access after payoff and they are working on it to return my access. Most recently I was told again that this is normal and I will not gain access to my account. Penfed recently went thru a major digital platform upgrade with many, many issues including incorrect information provided, late mortgage statements, incorrect and concerning wire confirmations. I received a wire confirmation regarding {$5000.00} and believe it was an error. There was no identifying account information and I was not familiar with sender or receiver. I raised my concerns multiple times about this wire confirmation document and wanted confirmation this money did not come from my account. No one contacted me regarding this document or my concerns in the past week.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2022-10-25
Company: DISCOVER BANK
State: WI
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 am a victim of identity theft. I have advised the creditor and credit bureaus and they have refused to remove the fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number:XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
over draft fees

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 2022-08-06
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: Information belongs to someone else

Complaint:
I have been disputing fraud accounts on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX WY XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$280.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I opened a dispute on XX/XX/XXXX. My dispute is still open and processing. I have received no further information or updates regarding it 2 months later. The 30 day deadline has passed. I demand that all the information be removed immediately per the FCRA. 

XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX  XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XX/XX/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 2020-10-27
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Federal Regulation D limits electronic withdrawals/transfers from your savings account to 6 transactions per month. Due to COVID-19, the Federal Reserve Board temporarily suspended Regulation D on XX/XX/2020, so that people can bank electronically verses going to the bank. TD Bank is charging their customers {$9.00} per transaction if you go over the 6 electronic limit even though the government temporarily waived Reg D. We are in the middle of a pandemic! Their conduct is deplorable!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-02
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, I requested that my Simple checking account be closed and the remaining funds remitted to me by check. On XX/XX/XXXX, the company responded. They closed my account but are refusing to provide me with my remaining funds because my balance was less than {$1.00}. This is theft. They need to give me back my funds immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: SC
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:
Despite several previous request in 3 credit bureaus, the particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain a highest score, be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Kindly remove the following inaccurate items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
15 U.S. $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete this items IMMEDIATELY! This account should not be furnished on my consumer report as its in violation! Under, 15 U.S Code 1681b-Permissible purpose of consumer reports ( a ) IN GENERAL SUBMITTED to subsection ( c ) any consumer reporting agency agency may furnish a consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protection consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed TD Banks Target

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
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: Their investigation did not fix an error on your report

Complaint:
Experian is in direct violation of the Fair Credit Reporting Act. I have reported them on numerous occasions and have contacted a lawyer regarding a Class Action Suit. Their direct violation of continuously reporting erroneous information needs to be stopped. They have completed an investigation into the following account only after 3 days! This company has been contacted on various occasions and can not provide any direct link of myself to this account with any identifiable information : XXXX --  account # 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