BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
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:
Sombody used my bussines debit card, i file complaint I disputed claim number # XXXX Union bank denied my claim and stiil my monay, union bank keep me wait XXXX to returne my monay back, to the end claim denied!

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 2022-11-18
Company: AVANTE
State: MI
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:
Avante USA at XXXX South XXXX XXXX XXXX XXXX, TX XXXX phone number ( XXXX ) XXXX was a collection I recently discovered on my consumers report. I do not know this company. Avante USA did not provide me with any verification of claimed debt or permission to place it on my credit report. Never been contacted by Avante USA in regard to an outstanding balance of {$1300.00}. I have never done business with this company nor does this company have my permission to keep violating my rights by providing incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo Bank has repeatedly denied my modification based on unorthodox, and perhaps fabricated accounting rules. Unlike standard accounting and banking procedures, they informed me that " small business expenses '' do n't count as " real expenses '' in calculating " net income ''. Really? And despite the fact that a large portion of the US economy is real estate rental/lease, several representatives have informed that this " real estate rental is NOT a real business ''. Under standard accounting practices I would qualify for modification, but they willfully and strategically make-up rules to deny homeowner help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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: Information belongs to someone else

Complaint:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-11-18
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
US Bank National Association XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX USBank XXXX XXXXt Visa XXXX Statement included a {$95.00} -- annual fee in my XXXX statement I called the Credit Card Support and requested a reversal of the {$95.00} fee. A US Bank Supervisor called me on XX/XX/28, who directed me to apply for a different USBank Visa credit card that did not include an annual fee and the {$95.00} annual fee would be reversed and applied as a credit to my new card. 

I cancelled my XXXX XXXX Visa card and applied for a Cash + US Bank Visa card. US Bank is now refusing to credit my new Credit Card the {$95.00} -- annual fee. I would never have canceled the better card with the fee if I had not been told that the {$95.00} would be credited to my new Cash + Visa USBank card. Lessen learned is that a consumer can not count on the validity of support provided by USBank Visa Credit Card Supervisors. I will be cancelling my new Cash+ US Bank Visa card in the next couple of days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We had a Home Equity Loan with Capital One Bank in LA. It was setup that the payments were automatically taken out of our account each month. At end of loan the last payment was NOT withdrawn for balance owed as the amount was lower [ not same amount ] than all the other payments and they did/do not, unbeknownst to us, withdraw from our account. Within 1st wk after payment should have been withdrawn I began trying to contact bank, emails & phone, to find out how and who to contact to see what happened to payment. Took about 3 wks to find person that told me about not withdrawing last payment and took payment information from me to close loan out. I WAS TOLD IT WOULD NOT BE REPORTED AS DELINQUENT. I have recently contacted bank again and was told " we DID NOT report as delinquent, a late payment ''. XXXX is showing this account " 30 days past due ''. Final payment was due in XXXX XXXX. Balance payment was made XXXX XXXX after Final Due Date as it took that long to find someone that knew what happened and was able to assist me in paying off and closing loan. XXXX, XXXX or whoever has caused my Score to drop at least XXXX points. Still good Score but it should be better.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF ED/XX/XX/XXXX XXXX U S DEPT OF ED/XX/XX/XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Sallie Mae harrasses people to no end. I have paid my student loan in full and yet they have continued to call me and my cosigner. I was a few days late, but I paid my entire XXXX bill instead of the minimum. They have continued to call every hour on the hour today. I have had 5 calls since I paid. I have called and they say there is nothing they can do. They need to update their systems so that after you pay you stop getting calls from them. This is harassment of my cosigner and I and I am considering a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
have reached out to capital one by mail and as they are4 a bank and they refuse to call me and when i do call them they refuse to transfer me t multiple depts the correct department to change and modiffy due date to reflect my social security check and i was told at one point if i call back and pay XXXX to get my account current they could change my due date and suspend al further late fees ; i also did reach someone who mentioned my credit limit was XXXX but i somehow owe XXXX currently ; capitol one case number XXXX each time im transferred they ask me to verify my identity each time ; i need you to reach out to them and get someo0ne in senior collections to process the suspension of all late feees dept and change my due date and i would like an investigation how my credit limit is XXXX and was told XX/XX/XXXX i did a atm withdrawel and in six monthsthe balance has grown by over XXXX mr XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: LA
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:
Unable to fix issue with XXXX, have been placed on hold with no answer & talked to representatives that did not understand the issue. XXXX has reported a credit card as late. 

Im accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602, which states I have the right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
syncrony bank closed my card without any apparent reason. I have paid any balances diligently and well before any due dates. They are now not paying out the rewards i had earned on the 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
Consumer complaint received 2016-11-14
Company: Consumer Portfolio Services, Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I got a loan in XXXX with Consumer portfolio services. I did not pay the loan off because the car was stolen and never recovered. Insurance paid the balance at the time. The creditor has been reporting this debt and changing the dates past the seven year period. The car was stolen I believe in XXXX but they are reporting XXXX as first report date. I have disputed with the credit bureau who indicates that the information is correct however, it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
State: MS
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:
Under 605 ( C ) running of the period, it is a violation to RE-AGED an account on my credit report, in hopes of keeping the negative item on my account. XXXX, XXXX and Experian are in violation of the FCRA and reporting inaccurate information on my credit report. it is unacceptable and preventing me from being approved for a home. I have reached out to this company sereval times in the lasr few months and they are not doing their. I have found an FCRA attorney who says i can get {$1000.00} for each violation on my credit report. i have included my credit reports to show the violations.

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 2021-09-25
Company: Risecredit, LLC
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  showing my collectoin after agreeing to remove it after payment... 

it keeps reappearing has been settled...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 've been in foreclosure process with Wells Fargo for 3 years. During that time I submitted all necessary information to them via XXXX, Mail. Registered Mail, Fax and email. The process of loan modification was long but I was eager to keep the house. During that time I 've provided Wells Fargo with all they required numerous times. We went through the process with a Referee in the court, we got to making trial payments and then the process stopped with no response from the bank. There were numerous calls, I was in touch with all the departments, including Customer Retention Dept., Loss Mitigation Dept., Property Preservation Dept., President 's Office and others. During that time I was in a hospital for 4 months and the property was sold to XXXX. Eventually I was evicted from the house in 2015. 
Despite all the attempts made by me during that period of time, it was me who was pursuing Wells Fargo and not the other way around. Their procedures and practices were so confusing, my attempts were constantly neglected, it was impossible to talk to anyone. No one returned the calls. The names of representatives ( advisors, professionals ) changed. I did everything that was asked of me. At that time I 've lost my business and income. I followed every protocol and requirement in effort to keep the property. I received conflicted answer from all their departments. Since then my marriage did not survive XXXX and we divorced.

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 2022-11-19
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: Information belongs to someone else

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXK XXXX .... Balance : {$50000.00} ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2015-09-08
Company: General Service Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notification from my credit monitoring service and the following is what showed up : A company called General Service Bureau placed a collection on my XXXX report for {$190.00}. I have received no dunning, no contact and no proof of debt from them. I recently applied for a mortgage refi so I am assuming they are trying to cash in by illegally placing an improper collection on my credit report. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hi, I have this account since XX/XX/2021, and now Im having issue accessing to the online banking thought the app. The app has been updated a few days ago, and now when I try to access, the app is requesting my 6 digit of the SSN.

As Im not US citizens and also not US resident I don't have that number. 
I called customer service and they didn't help, and I also was transferred to a " branch '' and they said we will call you back ( didn't happen )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 2 inquiries on credit report made by capital one on XX/XX/20 and XX/XX/20. I did not authorize these inquiries so therefore it is fraud. Obviously these inquiry dates are fraudulent because the dates are too close in time and that should have been looked at as fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 i submitted a debt validation letter to Midland Credit Management and it was received by them on XX/XX/2020 via certified mail. I gave them 30 days to respond and haven't received any written response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a loan through CapitalOne for a home mortgage in CA, which I entered into in XX/XX/XXXX. I became long-term unemployed in XX/XX/XXXX. When I requested that a loan modification be done, and work to create a relief plan, CapitalOne and it 's associated acted in may ways that were in violation of the CA Homeowners Bill of Rights, including dual tracking me and failing to provide a single point of contact during the modification discussion. Further, CapitalOne refused my request to use a different index than XXXX for the APR of my mortgage. XXXX is a known fraudulent index which has been widely reported to have been knowingly manipulated by banks and there have been many federal, state and international fines and penalties associated with the " rigging '' of the XXXX rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Affirm Holdings, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I believe its XXXX of this year, I want to purchase a XXXX XXXX online from this company call XXXX. Unfortunately I had cancel the order. I never received my XXXX a couple of days later Affirm is asking me to pay them back for the loan that I got from them, I called them several occasions that I cancel the XXXX never receive the order and they still want me to pay for it. I dont think its my fault that they want to head and paid for XXXX before it was confirm delivery or not or cancellation or not I dont have the XXXX from them I never received that order because I canceled it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: EQUIFAX, 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:
Equifax has been sent two letters to correct inaccurate information on my credit report and I am being ignored. My child support case is closed and they are reporting it as open. Moreover it's also being inaccurately reported as 120 days late for {$0.00} dollars and my monthly payment is being reported as {$0.00} dollars! Please tell me how I can be 120 days late when I owe NO MONEY and my monthly payments were {$0.00}? Makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
Capital One Bank reporting late payment on my card i was never late Usa XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation