BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

CAPITAL ONE BANK USA XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX  XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Square Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I purchased an amplifier and was in agreed upon at the time of purchase the guy XXXX XXXX XXXX XXXX was going to hold until i picked up on sunday or Monday. I paid the guy {$60.00} for the amp and to hold until i drove into the city. When monday morning came I messaged the person that i purchased the amp from to get the address to pick up the amp i bought. I was ignored and blocked. Four days later I seen the same amp i bought posted for sale and when i looked at the post and it wasnt being sold by the same person. I messaged this person XXXX XXXX XXXX XXXX and he confirmed that he purchased from a " XXXX '' in Illinois. When the conversation went on this guy was none the less nice not polite. I then tried to reach out to XXXX as well as my bank and Cash app to get my money back. My financial institution refunded my money temporarily until they conducted an investigation. I got a letter on Thursday 4- stating my bank was taking the funds back as their investigation shows that cash app are not responsible. That they are a 3 party financial center. But they need to be held responsible as they claim its safe but it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My ChexSystems report is showing an incorrect address.

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 2022-03-21
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2017-01-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my purse/wallet were stolen from my car while dropping my infant off at daycare. Once I realized I immediately called Chase & XXXX whom I bank with and had my cards frozen/cancelled/stopped. I logged in to my chase account to see if my new debit card had been mailed and what I found instead was my account empty. The perpetrator had managed to make 5 withdrawals ( totaling {$7700.00} ) from three different branches ( not online ) using withdrawal slips. My account was not frozen and had no alerts about this strange transactions. When I called Chase on the XXXX the representative was anything but helpful and said I had to go into a local branch to file a formal complaint -- which turns out was inaccurate when I arrived. I was told it could have been handled over the phone as I attempted to do in the first place. I was also told it could take up to 30 days to get my money back. I would like to know why Chase was not more on top of the strange account activity considering I file a theft claim on the XXXX. Every chase conversation I have had has n't be helpful and I would like to know why it will take so long to get my money back and why was n't my account closed when requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-27
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: Old information reappears or never goes away

Complaint:
I have sent Experian several documents asking them to remove these items because they were old accounts that were connect wit my Bk that has  discharged  and removed from my credit report 1. XXXX   XXXX  2.  XXXX   XXXX   XXXX   #  XXXX  3.  XXXX   XXXX   XXXX    #   XXXX  4.  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 2016-01-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo add XXXX {$35.00} overdraft fees the same day I had a direct deposit in my checking account. In addition they add {$12.00} fee for moving money from my saving to checking account. This is in sane and worst than the shark loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-07-14
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX I was XXXX for XXXX years. Upon release in XXXX I discovered that someone filed taxes in my name while I was XXXX. As a result of that i filed an identity theft report in XXXX and I recently resolved that matter with the irs but this year I discovered someone also used my personal information to fraudulently open credit cards in my name Such as : 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 non-monetary relief
Consumer complaint received 2022-10-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
As of XX/XX/2022 Wells Fargo employee told me on recorded line I will get my money back but now they are refusing to pay

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 2020-03-12
Company: Federal Student Loan Doc Prep LLC
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
It was advertised as LOAN FORGIVENESS SERVICE under the XXXX Umbrella. Spoke to a man named XXXX XXXX XXXX Ext # XXXX. Had me on the phone for over an hour. I explained to him I was sick for a few years LOST EVERYTHING & I HAD FILED BANKRUPTCY. Well he took all my information ect. He gave me all the right choices???? He put me on HOLD 15 MINS. Came back to the phone and OFFERED ME A 20 YEAR PLAN. Sounded real nice during that time I asked him WHATS THE CATCH. HE EXPLAINED TO ME SINCE I FILED BANKRUPTCY I WOULD MAKE A PERFECT Client???? XXXX told me the sooner I pay for the PLAN IN FULL. I COULD JUST REPORT MY EARNING EVERY YEAR FOR NEXT 20 and at {$500.00}. IT WOULD BE IDEAL. I MADE MY 1ST PAYMENT FROM MY CHECKING ACCT # XXXX FOR {$250.00} ON XX/XX/XXXX. Once payment went thur XXXX told me that a person named XXXX or XXXX would be getting in touch with me. 5 days later I WAS INFORMED THAT I WAS DENIED FOR THE LOAN FORGIVENESS PROGRAM. I CALLED SEVERAL TIMES JUST TO BE TOLD THAT THEY a Document Company. I WENT BACK AND FORTH WITH THE WOMAN NAMED XXXX XX/XX/XXXX XXXX ; XXXX XXXX, SHE TOLD ME XXXX IS OUT OF THE OFFICE AND WOULD CALL ME AFTER THE HOLIDAY???? WELL ITS XX/XX/XXXX NO REFUND OR PHONE CALL. THIS COMPANY IS A SCAM AND I WANT MY {$250.00} BACK. I DIDNT NEED THEM TO FILE ANY PAPERWORK ON MY BEHALF I COULD HAVE DONE THAT FOR FREE. THEY ADVERTISED AS A LOAN FORGIVENESS COMPANY. HOW MANY OTHER PEOPLE ARE OUT THERE????? PLEASE HELP ME GET MY MONEY BACK.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-10
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Issue: Late fee

Complaint:
My wife signed up for a Target Red Card credit card since we are ( or were I should say ) frequent target shoppers. I signed up online for autopay and then the website managed to not register that I had signed up. Sure enough when I get the bill 2 months from then ( the first month I assumed would be taken care of ) it became clear that their website did n't register that I had signed up for autopay. So I went online and signed up a 2nd time. now it 's few months after that and we realize that they are still charging late fees because their website managed not to register the autopay a 2nd time. I spent 2 hours on the phone with them. The person refused to hand me off to a supervisor. Blamed me for not paying close enough attention to the bills ( which kind of defeats the purpose of autopay ) and did nothing. Please open an investigation to see if this is a widespread scam -- or really only for us and a few others. If you look online there are tons of complaints about the redcard and their lack of oversight. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I entered into a written repayment plan With Chase. While making all required payments under the plan according to the plan terms, Chase kept sending notices of intent to foreclose. I filed a complaint with CFPB ( case number XXXX ) in XXXX 2015. Chase responded by stating that if I make all plan payments in accordance with plan terms, Chase would not pursue foreclosure activity. I completed the plan in XXXX 2015 and Chase still continues to send Notices of Intent to Foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 dispute with TransUnion and I call the Bk and told them that the credit bureaus told me that they verified my Bk with the original creditor, the Bk said they do not verify with third parties such as credit 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 explanation
Consumer complaint received 2020-04-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX I saw a collections account on my credit report from agency ARS for XXXX. XXXX XXXX was the account. ARS told me it was from an ER visit from XX/XX/XXXX. I spoke to XXXX from XXXX XXXX XXXX which was the insurance I submitted at that time. After investigating, XXXX got back to me on XXXX XXXX and explained to me XXXX had received a bulk payment for the ER visit which they are contracted to take the amount they get as payment in full and there is XXXX patient responsibility. She had Florida XXXX XXXX contact XXXX who said it was not in collections which was conflicting. She spoke to XXXX at ARS gave her the payment details and explained the policy. XXXX spoke to her manger who said they would speak to XXXX and clear the credit report. Since I can only bring my credit report up annually a year has gone by and it is still there. I spoke to XXXX at ARS on XX/XX/XXXX who told me they are holding it to see a copy of the cancelled check from XXXX XXXX. She told me no one is allowed to call and tell me this. XXXX will not speak to me only the insurance co. 
I have never had this happen as it has always been up to the hospital to coordinate the insurance. All my insurance information was given the day I went to the ER. XXXX told me its simple get a copy of the cancelled check and hung up on me. It has been 5 years since that claim. I spoke to XXXX at XXXX XXXX on XX/XX/XXXX. She told me she would try and request it but doesn't know if it will be possible. This seems unethical to me. XXXX was paid for the ER visit as they are contracted with XXXX XXXX. When XXXX XXXX called them directly they had no record of it being in collections. Now collections wont take it off the credit report when they were given payment details over the phone. XXXX explained they should have been faxed when XXXX gave all this information to XXXX who never made any suggestion to XXXX to fax or mail anything. 
XXXX told me today " XXXX is just a secretary '' Then why was she trying to resolve this with XXXX and her manager? As XXXX wont speak to the patient they bill and only the insurance company I don't understand why this wasn't handled by them with the insurance company in XXXX like the rest of the medical field that bills the insurance co. I would like this taken off of my credit report as all the information was given in XX/XX/XXXX and XXXX was told this would it would be taken care of. I was unaware that anything else was needed.

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 2017-03-06
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of this debt. Never received anything in the mail or even a phone call. When calling this company no one was able to verify my social security number or account number that I supposedly have with this company. This debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have some issues with addresses on my file that I keep complaining about. the following addresses are not mine. I am working on my new company and they can verify my correct information. Please please delete the following addresses they are not mine : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX MY FULL NAME IS XXXX XXXX XXXX SS XXXX, DOB XXXX. PLEASE REMOVE ANY AND ALL MISPELLINGS OF MY NAME. 
I HAVE SEVERAL UNVERIFIED ACCOUNTS SHOWING ON MY CREDIT REPORT. I WAS A VICTIM OF FRAUD SO I NEED ANY UNVERIFIED ACCOUNT 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 2020-10-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent several dispute letters to Equifax and they have not investigated this fraudulent account. Its been removed by both XXXX and XXXX XXXX. Equifax has not began any investigation on this account. It has not been deemed frivolous but its constantly looked over in every dispute ive sent. Ive sent all supporting documentation including a FTC Identity Theft affidavit, an Identity theft police report filed with the XXXX Police Department, and also a letter requesting block or removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I called in late XXXX asking for a lien release statement and was told several times it was mailed on XX/XX/XXXX. After being promised I would receive it in 7 days, nothing showed up and was told it was re-mailed on the XXXX. I called once again asking for a copy of the paid in full letter and was told it would be emailed to me on the XXXX with 2 days for processing. I have failed to receive any of these documents after waiting almost a month even after being told 3 separate times I would receive these documents.

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 2022-03-21
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/22 I submitted a negotiable payment to a credit card account as well as a payment to a loan payment paying off both accounts using negotiable instruments as payment enclosed is a copy of the tracking number # XXXX XXXX XXXX XXXX XXXX I was forced to make a payment via checking account due to the fact it was not processed and I had to make a payment using my debit card for both accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation