BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am the owner of a savings/checking account @ Capital One bank. On XX/XX/2019, I received a domestic wire to my account.. The sender of the wire went to her bank 3 weeks later and claimed that she was frauded out of the money, so this in turn caused my bank to freeze my account. The sender of the money cease communicating with me after this happened, refusing to answer any of my or my bank 's phone calls and she refusing to come back to her bank and disclose that she made a fraudulent report. All of this occurred over 3 months ago .I have been calling my bank every couple weeks to check the status of the hold on my account, I am told by my bank that they are still waiting on some kind of " hold harmless " paperwork from the sender 's bank which they are telling me they have up to 3 years to wait for this information. In the meantime, the questionable fraudulent wire funds has not been returned to the sender, still l in my account and the bank has held all the funds in my accounts minus XXXX they allowed me to withdraw back in XXXX with this occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: JTM Capital Management, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Back in XXXX I made an arrangement with the collection agency they offered me XXXX to pay in XXXX installments, I paid XXXX dollars and the remaining XXXX was supposed to be paid sometime in XXXX. I gave them my checking account information but when I was away on vacation my checking account was compromised so I closed the account, when I got back from vacation the collection agency called my job, I asked them to not call me at work, if they needed to get in touch with me they can write to me. I explained to them what happened and I also told them I could not pay the balance of XXXX they said they would contact the original creditor and see what they wanted to do. To this date as of XXXX XXXX, XXXX I have not received anything in the mail but I got a phone call again at my job, on XXXX XXXX, XXXX they did not provide me with their name only the company name they threatened to speak with my human resource department When I called back I spoke with a XXXX XXXX who is a supervisor at the company and I told her I was sending the company a cease and desist letter I also faxed a copy of the cease and desist letter to them and I also emailed the cease and desist letter I also told XXXX XXXX if they needed to get in touch with me to send me something in writing my mail and she said they dont do mail only by email, so she sent me a payment letter saying that I agreed to pay XXXX by XXXX XXXX, XXXX which I did not agree to. XXXX XXXX is also accusing me of giving her a fraud checking account information. Please see attached the letter they sent me for payment, the cease and desist letter along with the fax copy page

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2021 I applied for an auto loan with NFCU. On XX/XX/2021 I received a call requesting that I lift a credit freeze on my credit bureau ( XXXX XXXX ). I lifted the freeze at there request, as was declined for the auto loan. I followed there appeals process after speaking with a supervisor XXXX. I was informed that a second credit bureau pull would NOT be required. XXXX transferred me to a specialist who read me a disclosure indicating that an additional credit bureau report may be pulled. I let them know and it was documented on my appeal that I did not want a second credit bureau report pulled. This information was documents on the appeal and the member service rep that I spoke to could see it clearly on the request. NFCU did pull a second credit bureau ( XXXX ). This was not authorized and I would like it removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: McNeil & Meyers Asset Management Group, LLC
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have paid off all my creditors but there are 3 items that are inaccurately on my report that needs to be taken off. I have never had a Title Loan and I have asked repeatedly to show me the Original Loan Agreement with my signature and they could not. They told me they would take it off and still have not. There is a Doctor visit bill for $ XXXX I know nothing about either. I have asked for the Original Bill with signature and still showing inaccurate information effecting my credit score. There is a XXXX XXXX  XXXX as well that they will not let me take off even though it is not mine due to their policy of XXXX. I have asked for Original Bill with my signature and they do not respond. My Credit Report needs to be corrected. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: DE
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: NJ
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 review a current copy of my credit report and I show inaccurate information listed. I also dispute account and I have not received any respond back per the FCRA law. On my credit report I show a called charge off to on my report that is listing a balance. I requested to have this account verified and I have not received any information. This creditor and/or collection XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) is showing on my credit report as a charge off with a Balance of {$620.00} which is a direct violation per FCRA and FDCPA. Any charge off accounts once report a balance of {$0.00}. this is not the case and I requested verification and received none.

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 2023-11-30
Company: Innovative Funding Services, L.L.C.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/2023, I executed a vehicle lease buyout through Innovative Funding Services DBA Tresl. On XX/XX/XXXX, I notified my finance advisor that the loan documents incorrectly charged me sales tax and original leasees in Maryland do not have to pay additional sales/excise tax on lease buyouts. Even after providing the statutory language, the advisor disagreed. I also pointed out at this time that the lease documents charged me a new registration fee of {$290.00} when I would in fact be keeping the current tags and registration. In XX/XX/2023, after I still had not received a new title in the mail and several phone calls, I was told that I would be refunded if the MVA did not charge Tresl once they finally submitted my title paperwork. In XX/XX/2023, I resumed emailing about the sales tax and registration fees after the MVA confirmed that Tresl had finally submitted my title transfer, two months after my loan was executed. Tresl continued to state that I was not owed any refunds. I then went back to the MVA, who has refunded me the sales tax, which was incorrectly billed because Tresl did not submit the appropriate forms at the time of titling, and MVA informed me that the refund for the {$290.00} registration fee must come from Tresl because the state never charged them for new registration. Tresl has shared the new title with tag transfer XXXX receipt confirming that they were never billed {$290.00} for new registration. Since XXXX, my calls to Tresl and my title specialist go straight to voicemail. They also no longer respond to my emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXXXXXX is reporting inaccurate information to consumer reporting agencies that is causing harm to my credit and a violation of my privacy. I am also not being allowed to use my open end credit card. Pursuant to 15 USC 1681, report containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. In addition, Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This has caused me financial harm and violating my federally protected consumer rights.

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 2023-11-04
Company: Southwest Recovery Services, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
in XX/XX/2023, south west recovery issued a credit report type collection, date opened XX/XX/2023 in an amount of XXXX XXXX, original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX 
I tried to get mor information such a detailed report with no success. 
I field, 2 complains with XXXX, submitting a court documents issuing a judgment in my favor against the XXXX XXXX XXXX, unfortunately the report has not changed. 
I don't know were this amount of money come from, and if they have any proof of it I am glad to see it. 
now my credit report is messed up, which I worked hard to maintain it as good as possible. 
I am a victim of a crime, retaliation and fraudulent report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted the credit bureau in reference to some unauthorized and uninitiated inquiries in my credit file. They advised me to contact the creditor, if I did not contact them in order to establish a relationship initially why should I have to contact them to have it removed. The credit bureau broke the law by allowing false information to be reported in my file. So they need to contact them to have it removed. 
XXXX XXXX XXXX NJ XXXX I am writing to dispute the following information in my file. I recently received a copy of my Experian credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX ( XXXX ) Sincerely, 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 2018-04-18
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received an email from Experian that my address had been changed. I have this credit guard thing with them, got it free when they messed up recently. Well I tried to log into my account and could not, tried to change my password and username and could not. Their site is not working properly. 
Then I tried to call them, was on hold for over 30 minutes without anyone getting on the phone with me. 
I dont know what do do Im calling again now and have been on hold again for over 20 min without anyone responding to my call. 
What, I just let the people who changed my address get away with this. Nice job Experian!

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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I review a current copy of my credit report and I show inaccurate information listed. I also dispute account and I have not received any respond back per the FCRA law. On my credit report I show a called charge off to on my report that is listing a balance. I requested to have this account verified and I have not received any information. This creditor and/or collection XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) is showing on my credit report as a charge off with a Balance of {$620.00} which is a direct violation per FCRA and FDCPA. Any charge off accounts once report a balance of {$0.00}. this is not the case and I requested verification and received none.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I've had multiple hard credit inquiries titled 'Capital One Bank , USA ' not made by me. I also have an XXXX account which I did not create

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My credit report is STILL reporting inaccurate and incomplete information months after I have disputed and made these issues aware to not only the bureaus, but the creditors!!! Why are you guys not actually investigating these issues and you keep willfully reporting incorrect information on my credit report which is keeping me from doing so many things in my life!!! Why are you doing this to me?? 

XXXX XXXX TransUnion XXXX XXXX Account # XXXX XXXX There are at least 3 additional data fields that are reporting inaccurately across 2 bureaus Date of first delinquency is reporting inaccurately across 2 bureaus. 
There is no notice of previous dispute. 
The creditors name is truncated and unidentifiable. 
The account number is truncated and unidentifiable. 
The account has been charged off but, it is still reporting incorrect payment history.

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 2017-12-21
Company: SUNTRUST BANKS, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX/XXXX/XXXX an account was opened at a SunTrust Bank branch in Florida using my Social Security number and someone else 's name. I do not and have not ever had any accounts at SunTrust Bank. 

XXXX monitoring service provided an alert prompting me to call the bank to determine the nature of the alert. 

XXXX I called SunTrust bank noting that I had received an alert and that fraud was suspected. They opened a Fraud claim and they were unable to provide me with additional information other than I need to wait for an investigator to contact me. I was told I would be contacted in XXXX hours. 

( After XXXX/XXXX/XXXX with all of the additional documentation and proof of identity that is needed to open a bank account, I do NOT understand how they could use my social and another name. Is there no validation of the social and name in any banking or federal database? ) XXXX called SunTrust bank again for follow up. Was told they are still waiting for the investigator and that I would be contacted in XXXX hours. They are unwilling and/or unable to provide me the contact information for an investigator or information to adequately protect my credit and identity. If the person committing the fraud is using my social security number, I should be provided the information/address of the account or relevant information to protect my interests

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 2019-10-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I got a HSBC credit card about 2 months ago.

I have never gotten a bill from then.

I have called HSBC at XXXX several times and only get connected to a Fraud Team Member. 
They said the put a block on the card. 
They always transfer me to a different department, but I am placed on hole never to be answered. 

I always pay my bills on time. 
This company will not send me a bill or let me register online to make payment. 
They will not even give me my total balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
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: Account status incorrect

Complaint:
I have mailed 611 letters to all 3 credit bureaus twice. Both times were certified. I've called in several times and waited on hold to speak with a representative. I have only seen results with one bureau.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 review a current copy of my credit report and show inaccurate information listed on my report. creditor XXXX is showing a charge off account with conflicting last payment dates on my credit report throughout credit bureaus. I requested to have account verified and I have not received any information back per my dispute. I am now being directly violated and have issues with credit reporting and I'm in distress. Listed below is creditor information and inaccurate last payment dates Creditor : XXXX Account number : XXXX Last payment dates listed between credit bureaus : XX/XX/2018, XX/XX/2018, XX/XX/2018. I have requested verification and have not received any dispute results.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint last XXXX last year and XXXX this year and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2023-02-11
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I would be charged in regards of not having enough funds on my account, and not using my card enough times. I would be charged like {$10.00} or more because I had not enough money on my account. I was dealing with not working enough so I was struggling with money. I had to turn to my credit card to pay for everything, and obviously at some points I couldnt even pay my credit card so I was getting charged even more on my credit card.

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