BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: RI
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:
AFTER TAKING A CLOSE LOOK INTO MY CREDIT REPORTS, I DISCOVERED YOU REPORTING WRONG INFORMATION ON ALL CREDIT XXXX WHICH INCLUDE : ADDRESSES WHICH SHOULD BE THE XXXX ON MY DRIVERS LICENSE THE ONLY XXXX, UTILITY ACCOUNTS OTHER WRONGFUL REMARKS.

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 2023-03-01
Company: Experian Information Solutions Inc.
State: MA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Incorrect Late fees and interest charged.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
These extra overdraft fees plus freezes on the account which caused other fees took place from XXXX XXXX XXXX  forcing me XXXX close my Wells Fargo accounts.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had many over draft fees applied to me and then I later had to pay the over draft fees cause my account went to collection. But I paid hundreds over the original amount.

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 2023-01-20
Company: EQUIFAX, INC.
State: SC
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:
Theres fraudulent accounts thats reporting to my Equifax and XXXX XXXX credit reports. Ive contacted these credit bureaus by mail and by phone letting them know about These accounts and went through the proper procedure. I did everything they asked me to do and they refused to remove these items off of my credit report. Ive mailed them every thing they asked me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My company wire transfered an amount from my JPMorgan Chase business checking account to another XXXX business account to complete a purchase order. The company that I had the funds sent to was a scam business and never shipped the purchase order. I asked XXXX to look into the receipant 's account. They deemed it fraudulent and closed the account. However, XXXX never reimbursed me the funds. I emailed and spoke with my personal banker numberous times and never got a resolution. Hence, I am filing this complaint in hopes to reclaims funds. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One credit card has unfairly and unilaterally closed my business account along with another joint credit card account without any notice and proper justification. My husband and I have outstanding credit history and have never missed a payment. All charges made to both accounts have been well in line with the credit card agreement and with verbal and recorded phone interviews with the company. Capital One refused to elaborate on the account closing and gave no choice to reopen both accounts. They cashed out my rewards at half the accumulated points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX/XXXX/XXXX, a hard inquiry came up on the credit report, which I dont recognize. Date was XX/XX/2022, from Barclays Bank Delaware. I called the XXXX number and they couldnt help me out. I discussed that I never opened a credit card and that someone was using my information. They suggested I get in touch with my credit bureau.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Bad business practices- I made several complaints directly over the past two years with correcting the payment amount, name change after speaking with manager ( s ) directly ; XXXX  legal documents, new ID card, copy of XXXX card, emailed and faxed docs. And, the results are always none of the information was received. The very reason I chose to get away from this company XXXX XXXX The vehicle was PAID IN FULL in XX/XX/XXXX ; XXXX. This company refuses to report the correct information for the payoff. Instead it totally deleted the account from the report, like before in correcting the monthly payment, which was incorrect. Ive called the company many times on this issue ; to reflect the correct balance of the est. $ XXXX + instead of a diff amount of $ XXXX. I called the credit bureaus, it shows there is no record of the company ; business started in XX/XX/XXXX, now its as if the account never existed. PLEASE REPORT THE CORRECT INFORMATION. BOTH NAMES ( XXXX XXXX ) REFLECT WITH TRANSUNION. 

As of XX/XX/XXXX, I called TransUnion and the account was closed/deleted for XXXX, which is still incorrect. Deleted all reporting history from XX/XX/XXXX, as if it never existed on the report. TransUnion advised It does not reflect on the credit report. TransUnion also advised because of this type of status, it will need to be re-added, then another dispute can be filed. The company/XXXX  tells XXXX to wait and there is nothing more they can do and its on Transunion. TransUnion stated it is NOT their issue and it needs to be corrected by XXXX, whoever they are today. - THERE HAVE BEEN MANY NAMES. This company has not provided a paid in full letter, received a XXXX payoff from the dealership. They made attempts to block my number from calling customer service at XXXX and No response from the escalation requests. Outcome : TO CORRECTLY REPORT THIS INFORMATION TO TRANSUNION WITH THE CORRECT BALANCE AS PAID. THIS IS THE ONLY BUREAU THE COMPANY REPORTS. Attaching the XXXX  company response.

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 2023-01-15
Company: Affirm Holdings, 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: Account information incorrect

Complaint:
Affirm repeatedly attempted to charge the wrong debit card on my account and continued to do so after I asked them to change to a different card. It still appears on my credit report XXXX years later and is negatively impacting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
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:
The status is incorrect for the following accounts an these accounts are not mine. 
XXXX XXXX XXXX .... Balance : - XXXX XXXXXXXX XXXX. Balance : - XXXX XXXX XXXX XXXXXXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX XXXX Identification number XXXX Date filed XX/XX/ Status XXXX XXXX  bankruptcy discharged

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 2023-06-13
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a {$1200.00} debt which XXXX XXXX XXXX  claims that I owe and has since been passed to a debt collection agency ( CREDIT COLLECTION SERV ). I paid a payment of XXXX on XX/XX/XXXX and was quoted a monthly price for a 6 month policy, I paid over the phone and once payment was made I then received my policy price and insurance Id cards via email. The price had significantly increased, I called back and was told that my 6 month policy had to be paid in full and that was the price increase reason. I then asked for a refund and to cancel the policy and was to that no refund could be issued and the earliest that the policy could be canceled was XX/XX/XXXX. The original payment was made XX/XX/XXXX so why it could not be canceled until XXXX is still confusing to me. Bottom line is that I refused to pay the following months payment which was due XX/XX/XXXX so once no payment was made in XXXX the policy should have been automatically canceled by XXXX which all car insurance companies do once your payment date passes and no payment has been made. XXXX instead continued billing me from XXXX - XX/XX/XXXX and then sent me a bill of XXXX as if they were crediting me car insurance. Once a payment date is missed your policy should lapse and be canceled so this should have been canceled in XXXX when I refused to pay the price that was increased from my original quote.. It is even listed on XXXX 'S website in the FAQ section of payments and cancelations that if you ur payment date passes YOU WILL BE SENT A CANCELATION NOTICE. instead I kept being billed for 5 consecutive months XXXX - XXXX for a total of 6 months including my original XX/XX/XXXX payment. Now I have a XXXX debt collection account on my credit report which significantly lowered my credit score and will remain on my report until XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I am having problems with the way this creditor report transactions : I got a cash advance from my credit card ending in XXXX of {$300.00} at XXXX XXXX  on XX/XX/XXXX. 

I paid the cash advanced right away on XX/XX/XXXX CAPITAL ONE ONLINE PMT XXXX ACH {$310.00} {$1100.00} TRANSACTION DETAILS Transaction Date : XX/XX/XXXX Posted Date : XX/XX/XXXX Type : ACH Even though my payment was made after the cash advance from the ATM, the defendant fraudulently posted my payment before the cash advance was made. Thus by not crediting the cash advance in a timely manner according to the proper bookkeeping practice : " First in first out '' the defendant will be charging interest on a debt that was already paid. on XX/XX/XXXX. 

My XXXX payment to CapitalOne occurred latter than XX/XX/XXXX : See info : XX/XX/XXXX CAPITAL ONE ONLINE PMT XXXX ACH {$310.00} {$1100.00} TRANSACTION DETAILS : Transaction Date XX/XX/XXXX Posted Date XX/XX/XXXX Type ACH

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent the company a certified letter on XX/XX/ to Hunter Warfield XXXX XXXX, located at XXXX XXXX XXXX XXXX in XXXX FL. The tracking number for the certified letter is XXXX XXXX XXXX XXXX XXXX. 

It was to indicate that the {$2200.00} debt that they say I owe does not belong to me. I did not sign a contract or any form of agreement with this company. 

To date, I have not received a response from them, and the debt remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested twice for credit bureaus to provide validation of debt, amounts and to include copy of original signed contract and to date no verification was received for services discrepancies with no verification received. 2 attempts made to Equifax information service XXXX XXXX XXXX XXXX XXXX GA XXXX the 1st letter sent on XX/XX/2022 certified tracking XXXX XXXX XXXX XXXX XXXX and 2nd attempt made XX/XX/2022 certified tracking XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I would like to get a charge off removed from my credit report called XXXX XXXX {$4100.00}

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 2023-01-15
Company: Experian Information Solutions 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 am a victim of identity theft. These items are not transactions conducted by me as the consumer. 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 XXXXXXXX

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 2023-06-13
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
Midland credit debt collectors. I stated I wanted confirmation of debt. This is to be wet signatures of all transactions not a bill statement. This is the definition. If you say I owe you money then prove your original creditor gave me a legal loan not a credit swap from my signature. If you provide me with that I will pay you in full with money of the United States. A bill is not a confirmation of debt. Also send me a copy that you can legally collect debt in state of florida. You keep on telling me the debt is confirmed. Fine. I keep on asking you by who, mailing address, email, phone number and title in company. It seems to me that you can not answer my question. I want to cancel this debt with a 1099C tax form. This is legal to do so. What is your companys problem. Who is your cfo? This is your demand letter if your company can not answer these questions you will be in court or arbitration as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Can not login to equifax online system or reset my password to add/remove a freeze. Forums on line indicate this password reset process is broken online which hinders my flexibility in freezing/unfreezing my credit. 

Website day after day week after week this website will not let me reset my password and access my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: AMERICAN HONDA FINANCE CORP
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is my initial notice that i am requesting Verification of the account and debt. Please send to my address, email, and through this CFPB complaint ; all of the following requested information and documentation within 3 days upon submission of this CFPB complaint ; Certified copy of the Ohio certificate of title, Certified copy of the full lease agreement/contract, dealership papers & dealer copies, certified Ohio department of public safety bureau of motor vehicles temporary tag registration application dealer copy and consumer copy, all and every documentation and information regarding my account & lease. 

I am also asking that you send certified copies of the GAAP Principles & ledgers, All accounting ledgers from start to finish, any insurance forms/documentation, any and all delivery reports, any arbitration agreements, any and all registration election forms, Please also notice that failure to send the above requested information and documentation will severely harm and damage me. 

I am unsure of the account numbers but my name is XXXX XXXX and the last 4 of my social are XXXX and my Identification is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Ive continuously contacted Navy Federal to pay off a charge off I have through direct deposit in full payment of XXXX $ it seems it didnt go through on the XXXX but I have had money in since the XXXX of XXXX bank statement, Ive already let my bank know the exact amount. This payment still hasnt been made. After contacting a second time it still hasnt been posted, the money is just sitting in my account. This is suspicious and concerning, someone tried to put in a check for XXXX it wasnt me and it also didnt go through. It seems as if someones trying to take it out and is someone from Navy Federal. I also went in person to pay it I sat down with a clerk and she didnt not tell me that I would have had to have cash to pay it so I waited and wasted my time for XXXX hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
The company has been reporting to the New Jersey Division of Taxation that I owe money for something that is incorrect. My taxes are held every year and then released after it is established that I do not owe anyone. They now have my anchor benefit check on hold for the same reason. I want this information removed from the State of New Jersey 's Taxation Division permanently so that I can receive my check and all future checks without having to wait for a response from them. my next step will be to file a lawsuit against them for falsely sending information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This is a XXXX XXXX scam run by CapitalOne. 
They offer a 0 % for 12 month card. I have a credit score of XXXX and no late debts, with only 1 % of my credit in use. 
I applied for the card and was instantly denied. What followed was a lengthy ad for all of their other credit cards, with a promise to send me other options to select. 
The card I select had many benefits I can use - I did not apply for another card but they are trying to force them on me. They will send a letter explaining the denial in 7-10 days. 
It's a XXXX  scam XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Account name : XXXX XXXX  XXXX Date Opened : XX/XX/2016 Status : Paid, Closed. {$58.00} written off. 



To the best of my knowledge, I am unaware of this derogatory mark on my credit report because I have never opened a credit card with XXXX XXXXXXXX XXXX. This appears to be identity theft and should be removed from my credit record as soon as possible.

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