BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-12
Company: WAKEFIELD & ASSOCIATES, INC.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I have learned that I am the victim of Identity Theft and had to correct entries on my credit reports. At that I also pplaced fraud alerts and credit freezes on my reports. On XX/XX/2019 I was alerted to another derogatory entry on my credit report by Wakefield & Associates. On XX/XX/2019 I contacted Wakefield and attempted to explained what has happened the first person i spoke to, XXXX, staed that he could not help me and asked me to cal client services @ XXXX. When I called this number and spoke to XXXX, she told me that she did not help consumer, only clients and then hung up on me. My third call I spoke with XXXX and asked to speak to a supervisor, which was XXXX XXXX. Mr XXXX told me that he woudl be able to locate my account based on the last 4 of my SSN, then he told me he could not and he needed my entire SSN because he did not want to look through all the account to find the one with the last four. Then he proceeded to be very high pressure trying ot gain additional information, when it is I who needed the information and I clearly explained this was identity theft and I would be filing a police report. XXXX remained to be very combative and not very helpful. Wakefield & Associates has made no attempt, prior to 'my '' contact, to contact me even with a fraud alert placed upon my credit report. On XX/XX/2019 another derogatory entry was made by Wakefield & Associates against another credit reporting agency as well as an incorrect address, despite my conversation with Mr. XXXX on XX/XX/2019 and without verifying if the address they were reporting was correct or not. On XX/XX/2019 I have filed a police regarding this debt ( Calfin Police Dept Case Number XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
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:
I sumitted a error on my report to experian telling them I never received my credit cards in my XXXX XXXX where they said they had sent them. XXXX XXXX of Delaware agreed to Delete XXXX XXXX of Delaware from my credit reports the only credit Bureau to delete so far is  XXXX, need this deleted from experian today

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 2022-10-05
Company: SYNCHRONY FINANCIAL
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:
XXXX I have been trying to dispute a line of credit under Synchrony Bank/PPMC that is showing on my credit reporting. I am being shown as an authorized user on a line of credit labeled SYNCB/PPMC. After calling Synchrony Bank I was told the account is not linked to my name, social, email, or phone number but yet is still showing on my credit reporting and lowering my credit score significantly as the account is delinquent by over {$6000.00}. I can see that the account was opened in XXXX it but didn't start showing on my credit report until XXXX. I have since tried to dispute the account a few times with XXXX and with XXXX. Both have come back saying information is correct and to remove the account I would need to contact Paypal/Synchrony Bank . 

Synchrony Bank/PPMCXXXX XXXX XX/XX/XXXX I spent an evening and multiple phone calls back and forth with Paypal and Paypal credit department XXXXrying to remove the account. Multiple people looked into account but can not find anything linking me to the account that is showing on my credit reporting. They told me they could not do anything and that I would need to go to the credit bureaus to have it removed.

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 2019-10-07
Company: BlueChip Financial
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I took a loan thru spotlon.com and paid that loan in full on XX/XX/19 on the amount of {$740.00}. 
On XX/XX/19 spot loan debited my checking account {$41.00}. I contacted spotloan and they acknowledged the debit was done in error and I would receive a refund. I have contacted them several times since and have been given the run around that my refund was being processed and they need to verify my mailing and email addresses. Ive verified them 3 times now and still have yet to receive a refund.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
For weeks my ReliaCard has been locked due to a change of address. The address that I chanted it to is the address on my state issued I.D and has been my address for the last 4 years!!!! When I applied for unemployment 2 months ago my wife and I were currently separated and I was then staying at my moms. I have uploaded a picture of my I.D and social. It is now the XXXX of the month and I have no money to pay my bills. I have a family to feed and I am lost! Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been a wells Fargo customer since i have applied for a mortgage almost two years ago. I had some issue which is normal for first time applying for a mortgage. Make sense. However, for the past three months or so I have been trying to refinance my mortgage and basically I had no one to communicate with. I have been going through the process with lots of unanswered emails, and phone calls. Lots of unanswered questions, that I needed some guidance with. I am extremely disappointed. The mortgage broker ( XXXX XXXX ) was not reachable, not through emails, and not through calls. I have left messages, and never got a call back. I am basically going through the process by myself. It got to the point that I have reached out to the manager ( XXXX XXXX ) after he sent a random email with a satisfaction survey. I was so frustrated with the customer service I am facing that I have picked up the phone to reach out for help. Sadly, the manager didn't pick up the phone either. I proceed and sent an email asking for help, guidance, something, or someone who can give me answers. I have explained my dissatisfaction and basically that I have no one to reach out to or anyone who can communicate with me to hep with my refinance process. Even my email didn't get a respond! How Ironic is it, that the manager sends a satisfaction survey but he doesn't really there for the client. It is very disappointing! I said this can't be real. I proceed and sent another email to the manager stating that this is the second email I have been writing in regards to my dissatisfaction with my refinance process. I have explained the difficulty i am having with providing certain documents to my mortgage broker, and still no answer or guidance. I have also added that i will be more than happy to forward all the emails I have sent to the broker just to emphasize how much i was ignored! Eventually two days ago I have gotten a letter in the mail saying that my refinance process is canceled. How is this possible?! if I have never got the support i needed completing the process. Not the broker ( XXXX XXXX ) or the manager himself ( XXXX XXXX ) were communicating. I would except a better customer service from a bank like Wells Fargo. At these times where we are going through global pandemic, and everything shifted to digital, customer service should come first and foremost. Wells Fargo- You failed!

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 2019-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I filed an application for a Capitol One XXXX credit card. Ten days later I received an e-mailed letter of denial. 

I am a retired fXXXX XXXX with stellar credit ( 800+, no adverse info ). I called and spoke with a senior credit analyst. He proved detailed instructions on how to file an appeal by mail. I did so, and after thirty days there was no response. I called again today and escalated the call to a senior credit supervisor. The supervisor indicated that the letter was received, and that reports did, in fact, show that I have excellent credit. She suggested I unlock all three credit reports again ( Ive done this twice before, my contact with the credit reporting companies have confirmed Capital One had received my entire credit report ) and that I should apply for a third time. 

Most importantly, there have been several indications on the phone calls that Capital One is engaged in some form of illegal discrimination, perhaps age-related, possibly in some other form. I sensed this as obvious in all of the telephone calls, especially as the representatives repeatedly used the pronoun Miss, instead of Mrs , or more correctly Dr . 

I request that your bureau conduct an investigation as to whether this is an ongoing pattern of behavior by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: AZ
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 dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2019-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
The due date was changed per Representative. My due date currently is the XXXX of every month. Due to a system update my due date is changed to XX/XX/2019. Due to Capital one system update, My payment went up XXXX in interest ). I do not want to change my due date. Made sure the representative is aware of this. She says they have to due to the update. The customer should not have to pay the price for Captial one system updates. Customer should not have to pay the extra interest due to their updates. Everyone doesn't have an extra XXXX dollars due to their decision on updates. This is a conspiracy and they are ripping off customers with extra interest. The customer is losing all the way around. This is a fraud. My bill went from XXXX a month to XXXX a month because of their updates. I call and spoke with representative and supervisor XX/XX/2019 XXXX XXXX. Yet the letter says you can change your due date. So, why change it and then charge the customer XXXX in interest. This really needs to be looked into. Just imagine how much money there cheating the consumer out of. This also causes issues to the customer who can due the new date and don't know about new date and get charged late charges. This has happen to me before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2020-12-08
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:
My name is XXXX XXXX I am writing to delete the following information off 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 the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: EQUIFAX, INC.
State: DE
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:
XXXX XXXX XXXX  AKA XXXX..partial account number XXXX ) is a medical collection that does not belong to me. This is a medical procedure for a family member where I did NOT sign a financial responsibility agreement. The provider and collection agency placed it on my file in error. I disputed this with the credit bureau and they left it on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
-THESE ACCOUNTS IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-24
Company: Experian Information Solutions Inc.
State: OH
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:
This is the second time I have tried to dispute inaccurate personal information on my report. I tried calling and I keep getting the automated system that dont give you an option to speak with a representative and then hangs up on you. This is a hinder to my credit and due to these inaccuracies it creates an identity issue if I wanted to apply for credit.

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 2023-09-07
Company: EQUIFAX, INC.
State: NC
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:
I have been disputing fraud ITEMS 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 fraudulent 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2400.00} ; XXXX XXXXXXXX Balance : {$140.00} ; XXXX  XXXX XXXX Balance : {$43.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX  XXXX XXXX Balance : {$460.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} ; XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16
Company: Marlette Funding, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Synchrony Bank has violated 15 US 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus

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 monetary relief
Consumer complaint received 2023-06-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received two phone calls from XXXX. The first call left a message stating they were a debt collection agency and that a complaint had been filed against me for non-payment on a Mastercard account. They stated I should press # 1 to speak with one of their agents to try and avoid having papers served on me. I wasn't home at the time and they didn't leave a callback number. This call happened on XX/XX/XXXX. 

I received the second call today, XX/XX/XXXX. The caller named himself XXXX XXXX and said he was a private carrier and would be serving me sealed court documents either at my workplace or home address. He knew my full name and the last four digits of my social security number. He also said if I wanted to resolve this matter, I should call the above number and speak with one of their mediators which I did. 

I spoke with the original caller and learned this was an unpaid debt of {$3100.00} on a Mastercharge card issued in XXXX and was closed in XXXX. It was issued thru XXXX XXXX XXXX  which is now HSBC Bank. Right off I knew this wasn't my account because it wasn't the correct number on my card and I had only used my card once to make a small purchase. This person said they would be willing to settle the debt for XXXX the amount. I politely declined and hung up. 

I then called XXXX XXXX XXXX  and learned that they were now HSBC Bank. I explained what was going on, and gave them my name, social security number, and the last four digits of the Mastercharge card number I supposedly owed money to. They could not find anything that I owed on this card or even a record of this card. So, a scam?

Company response to consumer: Closed with explanation