BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-04
Company: EQUIFAX, INC.
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:
I have contacted Equifax on several occasions. First for several inquiries that I was not aware of on my report plus being a victim of one of the millions whom information was stolen. I advised them that one account on my record is not mines because I do not have a contract with XXXX XXXX XXXX. I am not liable for collection of this debt from XXXX XXXX of {$990.00}. I am not responsible for this debt so please deleted it from my report. I have contacted Equifax on XX/XX/XXXX, XX/XX/XXXX and they will not removed nor verified the information. I have sent in an inquiry dispute letter on XX/XX/XXXX they sent me a letter stating it was completed on XX/XX/XXXX. I called in to ask why was it completed because there was no way it only took one day to verify the information. I submitted another dispute on XX/XX/XXXX and the same thing completed same day. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX. Thanks in advance I have also added a fraud alert to all my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed of over XXXX dollars and sent money to a Chase account supposedly was supposed to be sent to help a romantic scammer, he had me wire money to a Chase Bank account, I did not know this person and have provided the persons name and account number from Chase back and nothing has been done, I'm sure I have not been the only one that has sent money to this account and would like this account and person investigated. 
Chase Bank XXXX XXXX Routing number XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They make a daily or twice robocalls to my home number and they used different numbers to call, I'm sick and tired of receiving their calls, the company is called HHRG 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 2022-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

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 2019-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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 was shocked when I reviewed my credit report and found late payments on the dates below : CAPITAL ONE - XXXX**** I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is a letter they request and I sent to them. On XXXX, We want to continued with this dispute. I purchase 2 tickets with XXXX XXXX on XXXX. Purchase on-line with my Master Card. Did not get a printed receipt. 
I called XXXX to cancel flight. My wife was was coming down with the flu. Was told there was a cancel fee. Was also told for a credit for balance to be credit on my card 2 to 3 days. Will be notify via email account. Never received, Call back XXXX asking about credit on my account. Was told credit be applied to future flights. Good for 90 days. Never told this on XXXX. Then I call Master Card to start a dispute. There should be a recording to the airline XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, I noticed a transaction of {$9.00} for " XXXX XXXX XXXX '' in the Capital One app on my phone. Since I have never been to this restaurant, I clicked on the charge and saw that the transaction was made on Sunday, XX/XX/XXXX, and posted on Tuesday, XX/XX/XXXX. I immediately called Capital One and notified them of this charge and told them that I have never been to this establishment. Capital One promptly closed that credit card and said I will receive my new card in the mail. 

Today at XXXX XXXX ( XX/XX/XXXX ), I received a notice from Capital One saying that there was no indication of fraud since they found insufficient evidence. I then called Capital One, asking what evidence they collected. I was told that since I did not report the card lost or stolen, they could not prove that it was a fraud because the card was physically present at the time of the transaction. 

I asked the fraud representative at Capital One, asking when exactly the transaction was posted. I was told it was processed on XX/XX/XXXX ( Sunday ) at XXXX XXXX. Also, I was told that the card was physically present at the time of purchase. I notified the representative that the restaurant does not open on Sundays and during the days that they operate, ( based on XXXX and their website ), they close at XXXX XXXX. 

After notifying this discrepancy between the hours of business and the time of the transaction, I was again told that Capital One could not help me out in this case because I had physical possession of the card. I asked the representative if they could direct me to another department that doesn't deal only with fraud. I was told to contact the dispute department only if the vendor does not reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: TIDEWATER FINANCE COMPANY, INC.
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have contacted Transunion, XXXX and XXXX over the past 3 years via online to remove outdated information on my profile to no avail. Some of these items are over 10-12 years old and should have been removed at year 7. Most of the items have reached the statute barred limitations as well for my state. Additionally, there are some entries on my credit that do not belong to me and should be a case of identity theft and removed as well. 

I am hoping you can assist with this issue with the credit reporting agencies.

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 2019-03-27
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage company refuses to drop our PMI, even though our " Automatic termination date '' has come and gone on XX/XX/XXXX. After we sent verbal and formal written requests for it to get removed, we received a letter asking us to either pay down the principal by over {$36000.00} or pay them directly for a new appraisal. We have always been current with our payment, and our property has experienced significant appreciation in value since we bought it in XXXX. 

The Automatic Termination Date has the following conditions, all of which we fully satisfy : - submit a formal request - be current on payments - certify that the property has not DECLINED below the original value and there are no additional liens.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: TN
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 have been reaching out to all 3 bureaus about this matter going on 6 months about fraudulent activity reporting on my personal report. I have noticed accounts from XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX  that are reporting incorrectly, as well as several inquiries.

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 2019-09-29
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Alright this started at wells Fargo when I was gon na do work for a company and he paid me but then a week later he pulled the funds back and I had to pay back outta my XXXX check. Then my account was closed. Then I got a account at XXXX XXXX  and this loan company put several checks that were bad and then chase closed my account when I still had charges on my account that weren't mine and was even waiting on some returned items to pay me back my money. Then I went to XXXX   XXXX   and the same loan place messed with my account so it got closed. I dont know how much money has been taken but it substantial. They need to like take this seriously cause it isn't right. They even forged a treasury check and forged my signature. They even put bad Mark 's on my credit score.

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 2019-03-27
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: Personal information incorrect

Complaint:
Experian reported a XXXX XXXX  acoount in collections ( my name ) but I have never had XXXX. I learned that Experian has various incorrect addresses and spellings of my last name however Experian does not allow that misinformation to be flagged on line. Instead it provides XXXX but that number does *not* lead to any person. Instead its voice prompts all redirect back to the web site or offer to sell monitoring. So exactly how can consumers clear up problems when the directions to fix are all fake? More importantly, what is CFPB doing in near real time to protect consumers in such an easy-to-police situation? Clearly Experian is not interested in cleaning up bad information, otherwise they would provide a phone number that leads to a real person. Furthermore, Experian has all kinds of phone numbers that XXXX reveals however are they really Experian or clever scams to get ss numbers from frustrated consumers trying to get through to Experian? Furthermore when calling the 'real ' Experian number on my cell which is listed in my credit score, they state they attempt to vett calls but then " please say your ss number '' so are they vetting, or merely creating a way for fraudsters to copy this automated screening and get ss numbers? Self serving and no oversight seem to be rampant in financial service and CFPB seems deaf, or impotent, to it all.

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 2019-09-29
Company: Experian Information Solutions 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 was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX - XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2020-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX - took out home equity loan to pay off credit cards. We did this because my wife lost her job in pandemic and we wanted to pay lower interest for the foreseeable future. 

XXXX - XX/XX/XXXX - checks sent out by credit union to credit card companies, including Capital One. The amount for Capital One was {$5200.00} which was the statement balance as of XX/XX/XXXX. The official credit card statement and check was sent from my credit union directly to Capital One. This statement is the same one we would send our payment in with monthly. 

XX/XX/XXXX - My credit Union called me to say that the check was returned to my credit union because Capital One said they needed the entire 16 digit number of the credit card. I am not sure why all of a sudden this was needed since it was never needed any other time, they had their own billing statement with all information, and no other credit card company requested this. 

XX/XX/XXXX - new check was sent to Capital One from my credit union with 16 digit number XXXX - we made 3 minimal charges on card due to my debit card having fraud. total charges were {$140.00} XXXX - we made {$48.00} payment XX/XX/XXXX - we made another payment for {$100.00}. these 2 payments for {$150.00} covered the {$140.00} worth of transactions XX/XX/XXXX - contacted Capital One and I was told they never received new check. I called my credit union who had verification when the check was sent and they had no idea why the card company did not get it. They reissued another check immediately while stopping the second check. 

XX/XX/XXXX - we were charged {$100.00} interest XX/XX/XXXX - " missing '' check from XX/XX/XXXX was credited to our account XX/XX/XXXX - third check was credited to our account XX/XX/XXXX - " missing check '' was returned to credit union XX/XX/XXXX - we made final payment of {$140.00} to bring account to XXXX We paid about {$150.00} in interest fees when we made every attempt to pay off the account before interest was charged. Several calls to the Capital One proved worthless. Even though it is nowhere in writing or anywhere in their explanations, they all of a sudden said that they wanted the full 16 digit account number to allow payoff. Every other payment can be accepted with the last 4 digits and the statement. They had payment in plenty of time to avoid interest charges but refused it. It might not be much money but without my wife 's income, this money is a big loss. I spoke and explained every thing to them but they refused to budge on any of this. This credit card was 0 % interest until the month we paid it off. This was the first interest we had to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-04
Company: EQUIFAX, INC.
State: GA
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 'm a victim of one of Equifax 's many computer glitches which has caused me to be denied credit and the inability to refinance my car through a company the uses the Equifax credit profile. My Fico score was XXXX on XX/XX/XXXX however on XX/XX/XXXX i pulled my credit report again because I was denied credit and it showed no score and a bankruptcy and collection was on it that was not mine and was previously disputed and removed by XXXX and Equifax and XXXX and Equifax showed me with no credit at all. They also added addresses that are not accurate and I demand they be removed immediately. My only address is what is the 1st one being reported in my XX/XX/XXXX report that is attached. FCRA law states bureaus must contact/inform consumer 5 days before an item is added back once disputed and removed. I called and made a complaint and dispute that Equifax wiped my credit clean and it was inaccuracies on the account but as of XX/XX/XXXX my credit report has not been updated to reflect the XX/XX/XXXX accurate profile information nor have they updated or included any new positive trade accounts and it 's now showing additional accounts that are not mine that was not on the XX/XX/XXXX account that was previously disputed back on the account with a current credit score of XXXX. This is in direct violation of so many FCRA laws and I ask for your assistance in correcting these drastic errors in Equifax 's reporting of my credit report due to another one of their computer glitches. This is causing much undue stress and duress in my life after and still dealing with being a victim of ID theft/fraud. I thank in advance for ensuring Equifax corrects my file immediately and correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: EQUIFAX, INC.
State: NM
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: Was not notified of investigation status or results

Complaint:
I have disputed a couple of items on my credit report which have been removed from both XXXX and XXXX but they say they have completed the investigation on my Equifax report cant view it and it doesnt look like anything has changed. Every time I try to view it say it is currently unavailable or that it cant be viewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
There is a card reporting on my XXXX credit report for Bank Of America in the amount of {$9300.00}. I have NEVER applied for a Bank of America Card. I've told Bank Of America, XXXX   and now the Credit Collection Company that this is NOT my card. I was a victim of Identity Theft. This is still showing up on my credit report and NO ONE has reached out to me to resolve this issue. I have sent over 10 letters to both Bank Of America, XXXX and the Credit Collection Agency XXXX XXXX XXXX. This needs to be removed IMMEDIATELY from my credit report. I am a senior citizen and hardly speak any English. Every time I have to call or dispute something I have to have a neighbor help me. This is against the FTC rules to report incorrect information on someones 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 explanation
Consumer complaint received 2018-03-18
Company: M&T BANK CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account with XXXX XXXX and soon after there was issue with account and I can't use it. I was transferred from department to department.

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