BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Capital One allows an unknown person to open a credit card using my identity, sent the credit card to the address of the identity theft, and reported the fake credit card on my credit account in all three credit bureaus. 
When contacting Capital One @ XXXX at XXXX of XX/XX/XXXX, the supervisor, XXXX, located the fake account under my ID, said thefts are often using this way to access innocent people 's credit and assets. He agreed to take care of the identity theft issue as soon as he received the disputes from credit bureaus. 
At XXXX on the same day, I went to precinct XXXX XXXX NY intend to file a policy report, but I was told that I must get the paper from directly Capital One saying I did not apply for credit card before they can accept my complaint. I therefore contacted Capital One right at the Precinct, However, all of the Capital One fraud agents, supervisors I spoke to, including XXXX, XXXX, XXXX, XXXX, and XXXX, claimed that there is no credit card under my ID, even though it existed in their system 4 hours ago, also on all three credit bureaus ' reports, black and white. Supervisor XXXX ( employee ID : XXXX ), after spent one hour of searching with her colleagues and concluded that no credit card under my identity, refuse to write me a letter just saying there is no Capital One credit card under my ID. 
I have reviewed all information from three credit bureaus and am able to gather the identity theft 's exact address, cell phone number, and the full credit card number in question. However, the police at XXXX XXXX does not want to file a report, Capital One is somehow acting to hide the theft 's information. It appears that this case will go nowhere and the theft is getting away and is able to continually harm more innocent peoples in our communities. 
BTW, XXXX also reported that Capital One has been making unbelievably frequent Inquiries to my account, though I never apply credit with them. What are they trying to do? 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,... 
Documents can be furnished upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XX/XX/XXXX, my XXXX XXXX XXXX auto loan ( account # XXXX ), was assigned to Wells Fargo Dealer Services ( WFDS ). In the following months, I received a request for ; and a declaration of, Collateral Protection Insurance ( CPI ). I did not give consent. 

In XXXX, the vehicle was repossessed ; although Wells Fargo had received payment. I believe that the payments were not properly applied. 

In XXXX, I received a notice from WFDS that they were reducing my interest rate ; resulting in a {$800.00} credit to my account. 

In XX/XX/XXXX, I received a notice from Wells Fargo waiving an outstanding {$500.00} balance from my account. 

Recently, WFDS settled to re-pay customers that were signed up for CPI without knowledge or consent ( Wells Fargo Collateral Protection Insurance Litigation Case # XXXX ) ; which may explain why I recently received forms from Wells Fargo Auto CPI Payment Program seeking to gather information from my insurance company and agent. As you can tell from my experience ( and those of others ), I have reason to be suspicious of their motives and practices. Instead of receiving a check as one of those affected, I believe that WFDS is attempting to limit the payout of the settlement.

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 2019-08-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On or about Tuesday, XX/XX/XXXX when accessing my Chase Mobile App, Check No. XXXX " written '' in the amount of {$25.00} was pending for {$250.00}. This amount was eventually cleared and the amount {$250.00} was paid for check that clearly was written for {$25.00}. 

Chase was immediately contacted regarding this error. Chase Claims Department subsequently advised that since this was not a Fraudulent charge, a temporary credit could not be provided to the account, but rather this is an issue for the Research Department. I was then transferred to Customer Service who spoke with the Research Department where i was advised that the issue with the draft was in how the check was presented. This is inaccurate as clearly the back of the check demonstrates the check was deposited and not cashed " in person ''. 

I again contacted Chase Customer Service on bXX/XX/XXXX to again resolve this issue, still to no avail, however, i was advised that i would be assigned an individual who would assist in bringing this matter to a conclusion and my funds ultimately returned to my account. 

I again contacted Chase Customer Service on XX/XX/XXXX & XXXX, where i asked to be transferred to its executive team as i continue to not have access to the funds that were taken in error. I subsequently was advised that the matter would be assigned to an executive team member who would call me later in the afternoon. I never received that telephone call after now being on the second day of trying to resolve this matter. 

On XX/XX/XXXX, i was transferred to the executive team office where i was advised that this matter had been assigned to XXXX. In speaking with XXXX, it became evidence that she is in need of additional customer service service as her attitude was less than that of someone purporting to be part of an executive team. Not to mention she was unfamiliar and/or unwilling to advised me the policy and procedures of Chase when a customer experiences these types of issues, nor could she advise me of an actual date for which this matter would be resolve and i could reasonably expect access to my funds. 

At this point, i would like the funds erroneously taken from my funds to be replaced and/or someone provide a time certain as to when this matter will be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid 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:
I have asked CitiBank to leave me alone with their endless offers through the mail. It contains information about my account and my mail has been stolen before. I have asked the company 5 times now to remove me from any and all offers and I am still receiving endless offers. PLEASE MAKE IT STOP. I signed up almost a year ago for the permanent removal of all promotional offers through the XXXX XXXX XXXX site. They try to get around the opt out by using only parts of my name instead of my full name, which is a loop hole but I should n't have to submit 3 different names just so they stop.

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 2021-12-12
Company: CONTRACT CALLERS INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am in receipt of your response, however, this is still unsatisfactory. You provide response to a few things in which I would like to make reference and outline as well as address your violations. 

CCI Statement : We are a third-party collection agency for XXXX XXXX XXXX XXXX We have conducted an investigation and here are our findings : An account was placed in our office for collections on XX/XX/2019. Since that time the consumer has disputed the account numerous times, we have validated the debt for the consumer more than once. 

Response : Who gave CCI permission to receive my information to attempt to request alleged debt without my permission as the consumer? Corresponding Violation : 15 USC Code 1681b indicates that unless requested by federal grand jury or submitted in writing by myself the consumer you do not have my permission to become the furnisher of alleged debt. 

Our Compliance Department also verified through public records that the consumer is shown at the service address during the service period Please provide proof of how your compliance department was able to validate said occupancy during outlined dates. As the consumer this request is my right. 

You indicate that you verified the debt. How? 

15 USC Code 1681a defines an investigation by performance of interview with either neighbors, friends, or associates of the consumer. Please provide written response with whom you performed interviews with in order to validate debt. In closing, CCI had no written permission from the consumer to place any information on the respective consumer report. Furthermore, CCI does not have the power to validate debt. Only the original creditor ( XXXX XXXX XXXX ) can validate debt which I have not done. In fact, I was manipulated using deceptive practices and defamation of character into remitting payment for an alleged debt that was never validated and CCI is authorized to report anything without consumers permission. In closing, I am am requesting that closed file is removed from my consumer report immediately, or I will be forced to exercise my rights and prosecute based on the above referenced violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: JPMORGAN CHASE & CO.
State: FL
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:
Hello, I have had a car loan with JPMorgan Chase which I paid in full and you sent me a letter certifying so on XXXX-18. Still the dmv of XXXX XXXX in fl says Chase didn't release the electronic lien and so I can't get my title and sale my car. I have been calling every week for months now and every time I am told by Chase that they released it and every time the dmv says that CHase didn't. I even went to the dmv with the letter but they say they can't do anything until chase release the ELECTRONIC LIEN WITH XXXX  FL!!! 
TEN TIMES i CALLED AND i AM TOLD THE SAME THING AND Chase NEVER DOES ANYTHING. I paid my loan and now Chase doesn't release the lien, you won't catch me doing another car loan or any loan with chase and I will make sure any friend knows how badly you treat your customers!!!! 
Please help me fix this situation. All Chase has to do the dmv says is uncheck a little box and it's done but apparently that's too hard for chase. It's not fair as I paid faithfully without missing one payment for years and now they won't let me have what is rightfully mine and paid for, the title to my car. 
many thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: Self Financial Inc.
State: FL
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:
Self lender has been disclosing non public personal information on my credit report that violates 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

15 U.S. Code 1681a - Definitions ; rules of construction- ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; section 1681s3 of this title ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Late payments and credit utilization are a result of transaction history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Experian Information Solutions Inc.
State: CA
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 a victim of Identity theft, I sent this company all the evidence that they needed to prove that I am a victim of identity theft and that accounts were fraudulently opened without my consent or authorization, I did not benefit with anything from this accounts opening, neither do I know who fraudulently opened this account. I sent this account my dispute on XXXX but Until now, Nothing has been deleted. 

For YET another time, this account is fraudulent and I need deleting from my report ile asap : XXXX XXXX XXXX Account REF # XXXX, Original Balance {$7000.00}, Date Opened XXXX I am looking at filing a lawsuit against this company if they continue to ignore my disputes and remove this fraudulently opened account from my credit report. 
I have enclosed herewith 1. Identity Theft Report 2. Proof of identity 3. Section 605B of the Fair Credit Reporting Act 4. dispute letter

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 2018-12-03
Company: Solomon and Solomon, P.C.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2016 I opened a student loan with SOLOMON & SOLOMON PC to attend XXXX XXXX XXXX College. Due to XXXX XXXX and family issues I could not complete my education and needed to drop out. It was in XX/XX/2016 that I moved and the debt collectors did not sent notification to the new address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: WELLS FARGO & COMPANY
State: CA
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 scam for almost XXXX by a call of Wells Fargo number and Wells Fargo logo. I tried to fix it but they always denie me. Its been 1 month 15 days already when I got scam. I got scam on XX/XX/XXXX at XXXX. I tried everything I can do so I can bring my money back because I save that money for rest of my life. Pls help Cfpb. This is my 2nd complaints. Because the Wells Fargo they always closed my case and denie it. Can you pls help me on my situation. 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 explanation
Consumer complaint received 2021-12-12
Company: EQUIFAX, INC.
State: MA
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 disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, Equifax, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The information for this account listed on my credit report is : CREDITOR : XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00} CREDITOR : XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00} CREDITOR : XXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
i have a store card with XXXX. i am less than 3 days behind on my current payment. I understand the importance of paying on time but i have to wait for my paycheck to pay the bill. However the company ( synchrony bank ) continues to call me at least 4 times a day every single day telling me i need to make my payment. I am fully aware it is due and have told thiem it will be paid and i feel harassed by the number of calls that I am getting from them. I have had to place my phone on silent so that I do not have to hear it ring all the time.

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 2020-04-22
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:
( XXXX true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also i was a victim of the XXXX Equifax data breach several accounts on my credit report are not mine listed XXXX  Report Number : XXXX XXXX File Number : XXXX Equifax Report Confirmation # XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX xxxxxx XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XXXX XXXX {$36.00} XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information thank you so much and be safe out there wear a mask stay at home

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Also, according to 15 usc 1692e this alleged debt is false and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
For approximately 5 months, I have been attempting to correct an error on my TransUnion Credit Report. There is a XXXX XXXX Bankruptcy dated XX/XX/2019 in my file. This is not my Public Record and it needs to be removed immediately. Furthermore, it is hindering me from being approved for a mortgage. I have contacted TransUnion several times by certified mail and phone calls in attempts to resolve this matter. They claim that they investigated it and verified it with the US Bankruptcy Courts. I contacted the US Bankruptcy Courts myself and was told that they do not verify such information at all which makes proves TransUnion did not verify this public record. The US Bankruptcy Courts sent me out a letter as well explaining and supporting my claim. The XXXX  XXXX Bankruptcy is not mine and must be removed alongside of it not being verified as my account. You must prove beyond a reasonable doubt that this is my account and the US Bankruptcy Courts says that it did not verify it but several representatives have said it is verified. This is incorrect information and TransUnion is at fault.

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 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I was away for five months and this delusional woman robbed my grandfather 's house stole my clothes and papers and seems to think she can just steal a life. This XXXX XXXX XXXX woman has a prior in stealing peoples identity but she clearly doesn't know me or my family. I know I may have some issues but sorry I will be my NATURAL born name from birth til death. Sorry evil criminals don't win over here. I will use the law for justice. XXXX XXXX how about you use your real name?

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