BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The information in the application isn't 100 % accurate The social security number linked to the phone number in the application belongs to another individual I am a victim of fraud, & the reporting agencies haven't proved beyond a reasonable doubt that I had anything to do with that loan application, on the other hand I can prove beyond a reasonable doubt that i had absolutely nothing to do with that application. I have history of submitting complaints with cfpb & I have an attorney now so at this point, with my records I will build a lawsuit and sue every party involved for aiding & abetting XXXX, XXXX, XXXX, XXXX & the employees thereof

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX, I transferred {$2000.00} from my peoples United bank checking account to my XXXX XXXX bank checking account and {$500.00} from my peoples United bank checking account to my XXXX XXXX checking account. The money was withdrawn from my peoples ( now m & t ) account but never arrived at the other banks. Ive sent messages on the portal, went into the XXXX XXXX location and refuted the fund transfer, wrote an email to the office of the president. I was told it would have a resolution today and someone would call me. I received no phone call and the $ $ still has not been put back into my account

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 2017-09-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax data was breached months ago and is now coming out to the public. Very important information was released without authorization and this company should be made responsible for the long lasting ramifications that its customers may have to endure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Tried to open an account with Capitol one with a XXXX SCORE OF XXXX out of XXXX was rejected despite advertising that I had been preapproved -/ this is a common scam. My XXXX  was immediately reduced to XXXX. Tho is a scam to get you to buy products to increase your score -/ they dont give you a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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: Account information incorrect

Complaint:
I am responding to the credit reporting agencies claimed that my factual disputes was investigated and validated as accurate. I am doubtful that this is the case since there are several inaccuracies still being reported. In order of full transparency I have included a screenshot of the credit report and highlighted the inaccuracies or discrepancies in yellow.

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 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX decided to run hard inquiries on my credit report for 3 consecutive days, totaling close to 17 hard inquiry hits on my report, causing my report to decline drastically. By almost a 100 points. I never gave them written permission to run my report. I only gave them written permission to run my credit one time through the XXXX Website that I already had 5.9 % financing through. Then I bought the car for XXXX $ US dollars, and 8 months later they claim it is only worth XXXX $ even though the car was brand new under factory warranty. Which they don't warranty nothing. They are price fixing, gouging, and currently breaking Anti-trust Federal Regulations. I will be suing them in court to have this removed from 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 2023-03-15
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: Information belongs to someone else

Complaint:
I am putting this company on notice that the items listed do not belong to me or are incorrectly reporting on my credit file. I have submitted proper documentation and identity verification documents. I demand the information be removed from my Credit profile immediately as this company is in direct violation of Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information.

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 2022-09-09
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was charged XXXX from my account and didn't get any products .I was told by the employee from the store that there system crashed and I had to go inside and pay on XX/XX/2022 and I sent the receipt that I had to the bank but they keep telling me I haven't sent them enough evidence on my account XXXX and XXXX was taken out on XXXXThey said they sent me a letter but have not received anything

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
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: Information belongs to someone else

Complaint:
There is an account that was opened fraudulently and I have already spoken with XXXX, XXXX and Experian about certain things pertaining to the account such as the address and phone number attached to this fraud account as well as the account. I have filed a police report and should have the report this week to be able to forward this information to the company involved. Experian however is not working with me on this issue. I called them yesterday and was on the phone almost 2 hours being transferred to several different departments only to have them make things even worse. While on the phone with one of the may representatives they placed a fraud alert on my account. I did not request the fraud alert and told them to remove it that I have the ability to lock and unlock my account. The person assured me they removed it only to see they did delete it and then added it again. They put it on I DID NOT AUTHORIZE IT and now they want me sending personal information to them. I just told them I was a victim of fraud I will not submit my personal information to them for something they did without authorization. Also in the process they changed the date of my birth. WHAT IS WRONG WITH THESE PEOPLE?

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 2023-10-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My Well Fargo debit card was revoked yet I had valid issues with unauthorized debits coming from XXXX XXXX in XXXX Texas of {$350.00} on XX/XX/XXXX yet my card I had in XXXX of XXXX was canceled ending in XXXX I had charges from supposedly the corporate in which I only had business in XXXX they took money from my account. Somehow they didn't do the right procedures in making sure unnecessary charges wouldn't occur. After sending my card ending in XXXX was sent. I made valid claims.

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 2023-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 was a victim of identity theft back in XXXX  where my social security number was compromised and resulted in someone falsifying my tax reporting. I have been battling multiple accounts and items that I have had no knowledge of or relationship to speak to the debt accumulated. This is hurdling me in many areas of my life, and I have tried multiply times to dispute these claims, but no resolution has been made that will allow me to move forward with my life from this point forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 looked over my credit report and saw some inaccurate information. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) mandate that the XXXX credit bureaus confirm these details ( A ). These items XXXX not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-10-03
Company: COAST PROFESSIONAL INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter by mail to home address from a company called Coast Professional , Inc say we are contracted with IRS, and you have debit collection you should pay for us of an amount {$880.00}. This debit dated on XX/XX/2023 it's new, I do not know why the IRS not write to me to my home address directly to ask me to pay this amount? 
I am not sure if this kind of scam or not. Is this amount is correct to pay to them or not? 
They put in their notice : Taxpayer Authontication:XXXX Original creditor : IRS Account NumberXXXX Primary Taxpayer ID : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please just I would like to verify if this a fake company practice scam or thos debit collection is correct of the IRS. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was tild that i could only get a bill from the auction company once i finally spoke to the company they said that since the bill was between them and the loan company they could not give me a copy, i informed the loan company and was still told I couldnt have a copy, i have now asked for an account summary 2 times and have not received it.

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 2023-07-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-09-09
Company: Union Home Mortgage Corp
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
It began due to the pandemic, ( approx. XX/XX/XXXX ) Asked for the forbearance program. Was told to send payment when ready to end the forbearance. Which I did. They held the check for a month and then returned it ( UnionHome Mortgage ). They wanted the entire amount. No way did we have that amount of money. I was on the phone and computer back and forth with them for over a year. Requesting a modification. Just wanted the back payments set the end of our mortgage. They just jerked me around and around. Then we got bills and info from a company XXXX XXXX XXXXXXXX. We sent a payment. They did the same. And denied us a Modification. Next ( XX/XX/XXXX ) thing they sent a letter with information about XXXX XXXX. a debt collector. 
I have tried to find an agency to help us with the arrearage. Government agency said they don't do that. I've sent a request for help to the XXXX 's office. 
We have been lied to from the beginning. We had no idea that mortgage companies were crooked like this. Beginning amount was approx, {$13000.00} now it is {$43000.00} from all their run around bs.

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 2022-09-09
Company: SUN WEST MORTGAGE COMPANY, INC.
State: MD
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:
There is a mortgage inquiry on my XXXX  XXXX  account. Stating a 30 year Sun West Mortgage Company inquiry with a 5.873 % and 6.604 APR rate. And another inquiry stating 30 year Sun West Mortgage Company inquiry with 6.248 % and 6.988 % APR rate. I have never applied for any mortgage loans

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Due to the covid 19 pandemic I became unemployed and was unable to make payments in a timely manner. The late payments have affected my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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: Information belongs to someone else

Complaint:
HELLO, MY IS XXXX XXXX AND I AM MAKING THIS COMPLAINT BECAUSE I HAVE TRIED MULTIPLE TIMES TO DELETE THIS INFORMATION FROM THIS ACCOUNT FROM MY CREDIT INFORMATION, SINCE I WAS NOT THE ONE WHO APPLIED FOR THIS ACCOUNT, MY PERSONAL INFORMATION, FOR EXAMPLE THE ID AND THE SOCIAL SECURITY WERE STOLEN, THEY WERE USED TO OPEN MULTIPLE ACCOUNTS IN A FRAUDULENT WAY, ONE OF THE BANKS AFFECTED WAS THE CARD ( XXXX XXXX ) WHICH CURRENTLY HAS A BALANCE OF {$4800.00} THAT WAS OPENED AS A FRAUD, I DEMAND TO DELETE THAT ACCOUNT FROM MY REPORT I MADE AN IDENTITY REPORT ADDING THIS ACCOUNT TO THE IDENTITY THEFT REPORT SO IT CAN BE REMOVED FROM MY CREDIT REPORT THANKS

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 2022-09-09
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: Their investigation did not fix an error on your report

Complaint:
This is the second time filing a complaint - as my first request has gone unanswered. I have asked the bureaus to supply information- in writing- so that I can review the investigation results. These accounts do not belong to me- and I have made that very clear. 

As of XX/XX/2022 - I have not even received my original request for investigation even though it shows in your system otherwise. 

Please investigate this, before I escalate to the Attorney General 's office. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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: Their investigation did not fix an error on your report

Complaint:
This is the second time filing a complaint - as my first request has gone unanswered. I have asked the bureaus to supply information- in writing- so that I can review the investigation results. These accounts do not belong to me- and I have made that very clear. 

As of XX/XX/2022 - I have not even received my original request for investigation even though it shows in your system otherwise. 

Please investigate this, before I escalate to the Attorney General 's office. Thank you.

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 2022-09-09
Company: Paypal Holdings, Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PayPal account was disabled last year and I still have the slightest idea of why spoken with someone in customer service XX/XX/XXXX of last year and was informed my account would be disabled for 180 days. Well it been over the amount of time I was told the account would be on hold called again on XX/XX/XXXX and was told my account would be handled by the resolution department within 24-48 hours and once everything was done my {$360.00} would be deposited into my current account with XXXX XXXX and its been past 24-48 hours since last conversation with PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-18
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Receivable Performance Management LLC on  XXXX/XXXX/XXXX, indicating that I owed XXXX. The original creditor is XXXX XXXX. 

I cancelled my service with XXXX about a year or two ago and switched over to XXXX. I had 5 telephone lines with XXXX, and when I cancelled my service with this company, all 5 lines should have been cancelled. Instead, what XXXX did was keep 1 of the former telephone lines open, and claimed that this one 1 line had never been  cancelled. So it was open and inactive for a year or two, without my knowledge. 

It does not make any sense that XXXX would keep 1 line open, since I cancelled my entire service with them. This means that all 5 lines should have been cancelled as well. XXXX chose not to cancel 1 out of the 5 lines, and now wants me to pay for the duration that this line had been kept open by them.

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 2023-09-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX  XXXX, # XXXX XXXX  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

Company response to consumer: Closed with explanation