BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-21
Company: CAVALRY INVESTMENTS, LLC
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:
THIS IS A COMPANY OUT OF NEW YORK THAT I DO NOT KNOW AND HAVE NOT OWE THEM XXXX XXXX XXXX AND CONTINUES TO CALL MY CELL AS IF I OWE A DEBT TO THEM NEVER HAD ANY DEBT WITH THEM AND NO ONE THEY ARE AFFILIATED WITH JUST A PHISHING COMPANY TRYING TO PEND AN DEBT! THIS IS THE WORST NAMERICA CAN GET WHEN THIS COMPAINT VIOLATES THE FAIR CREDIT REPORTING ACT CONSTITUENTLY NO LETTER, CALL AFTER XXXX ON WEEKENDS AND RING MY CELL PHONE TRYING TO SCAM MONEY FROM AMERICANS THAT DO NOT OWE THEM AND NO ONE ELSE A DEBT. I DO NOT OWE XXXX XXXX XXXX TO ANYONE IN AMERICA! THIS CAVALRY PORTFOLIO IS NOTHING BUT A ROBO CALLING ID THIEF!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Fidelity National Financial, Inc
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello My name is XXXX XXXX we are trying to get a lien satisfaction letter from XXXX XXXX XXXX on our property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX we have the title but the deed keeps coming up with a lien on for XXXX XXXX XXXX XXXXXXXX is the trustee but they say they dont keep records which I thought by CA law trustees were liable to keep records, very little communication from XXXX XXXX XXXX  XXXX The info for XXXXXXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. Their phone # XXXX and XXXX our condo is siting in escrow with them going on 2 months now, escrow officer is XXXX XXXX. The date recorded was XXXX XXXX Doc # XXXX we are confident the lien has been satisfied or the property would of been put into foreclosure, thats why we feel the trustee XXXX XXXX  should have the records and should be responsible and they are no help at all thats why I find it important to file a complaint for some help, we have a buyer we are trying to keep.please dont hesitate to let me know if you need more info I would be glad to supply if I have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Well in short for several years now, I have been trying to pen a personal checking account witXXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One 360. I wasn't ever given a reason at any time why they wouldn't extend to me an account. Every time I went to open an account, they open it and after a second verification process, they close the account. when I speak to a supervisor all they can tell me is there are note in my profile that say do not open an account for me, but they have the right to not share the reason and that's all I get so all I want to do is know the reason and all I want to do is to resolve the matter and repair and reinstate my relationship with the institution please help me thank you. 
Dates Capital One 360 XX/XX/XXXX Dates XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dates XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: EQUIFAX, INC.
State: PA
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:
After carefully evaluating items on my report, I discovered multiple fraudulent items listed on my report. I am a victim of recent identity fraud and need the fraudulent items blocked immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: INVESTORS BANK
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am disputing the late fees charge of XXXX}, which should have been removed when the XXXX XXXX grant was applied to your loan balance on XXXX/XXXX/XXXX. Please Review and Correct the problem. 
Investors Bank loan XXXX Thanks 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 2022-02-02
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, and I am filing my complaint without the help or influence of any third person or agency. Please read the attachments for my full complaint and request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2022 I submitted a dispute asking the credit bureaus to investigate every piece of information. On XX/XX/2022 i sent a letter telling the credit bureaus to investigate every piece of information again, on the accounts I have listed below. Also i have attached the letter i sent out, here is the certified tracking number # s in the attachments below.

According to the FRCA the term Investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account had been updated and verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA XXXX XXXX XXXX everything has to be 100 % accurate. Upon my checking, last activity is inaccurate, payment history is inaccurate, remarks are inaccurate, months reviewed are inaccurate, personal information is inaccurate, etc. This is GROUND FOR REMOVAL of the accounts.

These accounts and the credit bureaus also violated my rights under 15 U.S.C 1681 section 602 A. states i have the right to privacy.

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

15 U.S.C 1681 Section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

i have not given these accounts ( below ) my written permission to furnish these accounts on my credit report. 

Accounts XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # 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 2022-01-10
Company: EQUIFAX, 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 have ask to three credit bureaus Equifax to verify the bankruptcy they are reporting on file. They have responded saying they have already verified it with XXXX XXXX. PLEASE find attached a copy of a letter sent to me by XXXX XXXX saying they do not have this information on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: CITIBANK, N.A.
State: OH
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 XX/XX/2021 I went to Home Depot website inquiring about business credit. During the application process instead of putting my social security number I put my business EIN because it was supposed to be for business credit not personal credit and I submitted the application it gave a pop up page saying to further my application I need to call. I called and spoke to a lady and explained to her that I was trying to apply for business credit so I didnt disclose my social security number but I put my business EIN number and she explained for that specific card they would need my social security number so I asked her if its gon na be a hard inquiry on my credit report and she said yes and I told her no I didnt want to do that and she recommended I go back to the website and apply for the other business credit card because I could use my business EIN for that one so I did and it gave me the same pop up and I called and spoke to a different lady and she explained they would need my social security number and I told her no thank you because I didnt want this going on my credit report. I made everything clear as to not go with the application if it was going to go on my credit report as a hard inquiry. I never gave them my social security number and I have been trying to get both inquiries removed since then. Nothing is helping and its frustrating because this shouldnt have happened. Im sure our conversations were recorded.

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 2022-05-03
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Auto dealer made an inquiry on my credit report without permission. When I objected they claimed it was for identity verification.

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 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received a call on wednesday XX/XX/21 at XXXX from XXXX XXXX XXXX XXXX to the message the representative XXXX XXXX XXXX on my messenger recorder from number XXXX XXXX ext. XXXX and her exact words were, XXXX XXXX I AM REVIEWING TO GET TO YOU YOUR ESCROW ACCOUNT FUNDS. 

Then I conducted a XXXX search of the phone number on my caller ID as XXXX XXXX and discovered that she called me from XXXX XXXX Department- please take action and announce to the CFPB that XXXX XXXX and parties involved supported him committed a Big Fraud against me about property XXXX XXXX XXXX XXXX, mi XXXX and let the XXXX michigan police department know the truth about the property and that they not stand on fraud.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My XXXX XXXX XXXX XXXX was used by someone I do not know to purchase airline tickets. After sending in an affidavit stating that this was an unauthorized charge, the company rejected my fraud claim.

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 2022-05-03
Company: EQUIFAX, INC.
State: LA
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/22 I sent a letters about incorrect information on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello, I am requesting that third party apps have access to my financial data so that I can utilize the varies utilities each offers. " CapitalOne is BLOCKING you from enabling external applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a payment to principal of {$45000.00} which they received on XX/XX/XXXX but it was not credited to my account until XX/XX/XXXX. 

The following month they added and then subtracted this amount ( XXXX ) from my principal. They also credited my regular of {$1200.00} payment on XX/XX/XXXX as normal ( this payment was due the due date of XX/XX/XXXX. 

However they then proceeded to reverse and then reapply the payment of {$1200.00} twice and then charged me a late charge of {$60.00} when the payment wasn't due until XX/XX/XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
In XX/XX/XXXX I began my XXXX studies with the University of XXXX XXXX, CA and completed this program in XX/XX/XXXX. 

I began my XXXX  studies in XX/XX/XXXX with University of XXXX and completed my XXXX  studies in XX/XX/XXXX. 

I was also enrolled at the University of XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their XXXX  level XXXX XXXX XXXX XXXX, these credits were later applied to a XXXX degree in XXXX XXXX with the University of XXXX in XXXX of XXXX, I completed this program in XXXX of XXXX. 

During this time frame I used part of my G.I. Bill for these programs along with student loans. I had a series of health issues that were not resolved while on XXXX XXXX that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. 

Upon careful review and further evaluation by the VA my XXXX rating was increased to 100 %, which qualified me for the Total and Permanent Disability ( TPD ) program for my student loans. 

On XX/XX/XXXX DOE directed XXXX XXXX and XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my XXXX  and XXXX  XXXX. 

In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with XXXX XXXX. To my knowledge this was never corrected. 

Additionally, I have 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXXU.S. Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.

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 2020-08-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Unfortunately, at the time of the incident of Pandemic, I had ran into a problem because of Covid-19 which cost me to lose my lost job and I had to apply for unemployment which was approval a month later as you can see I been with the XXXX for 3 years and was never late can you please remove this because is hurting my score and I pick up another job so this won't happen again thank you for hearing me out hopefully you help me and my family. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 


I send letters to all three bureaus like XXXX told me too also send a email and letter to CEO of the company no response this being going on sense XXXX Im an a process of buying a home why the interest rate low. Thank you for hearing me out hopefully we can come to agreement and get it remove and the reporting is wrong to.

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 2019-09-08
Company: Experian Information Solutions Inc.
State: NC
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 reported fraud and identity theft to all three major credit reporting agencies early 2007 and to all my banks I closed all accounts in my names as per documentation in 2007 at the XXXX. Also I called and spoke to XXXX XXXX they were to close all accounts in my namesake to fraud. I recently received XXXX bank info that XXXX XXXX did not do what they promised. On a fraud adding my name of XXXX XXXX XXXX XXXX XXXX account # XXXX there is a XXXX XXXX deduction for {$2900.00} dollars and others I want XXXX XXXX XXXX to produce all documents in all accounts in all my names with their company and XXXX and all Loans in all their affiliates business entities as foremost bank as per my previous complaint that was not addressed by foremost bank loans due to fraud. XXXX XXXX was supposed to have closed all my accounts. 
Make these documents available at your earliest convenience to me at XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX fax plus

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these 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 non-monetary relief
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX 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, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2020-10-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I financed a XXXX XXXX XXXX in XXXX, loan # ending in XXXX Vin # ending in XXXX, I was one of the victims in the improper application of XXXX XXXX added to my loan forcing me to have my car repossessed even though I maintained full coverage auto insurance as required, years later I was given a check of around {$4800.00} and {$290.00} as their for of a " Remedy '' to the situation. this small amount is nowhere close to the amount of money and hardship this whole ordeal has caused me. I was forced to turn in my car which they sold at auction, during that time I relied exclusively on my car to work as I was in a 80 % travel position, I was forced to resign my job because I was unable to get another car due to the false forced repossession of my car, this job was with XXXX a top company in the industry so this issue effectively set my career back and I have yet to recover. also around this time I was a brand new single father with no family resources living in a area where child care required me to have reliable transportation I was forced to rent cars at a high rate to be able to drop my kid off in order seek new employment. another hardship I faced for years was the negative info on my credit, a repossession due to the negligence of Wells Fargo made it difficult for me to get housing or a vehicle at a respectable interest rate. over the last 6 years this has ruined my life and I think the amount sent to me if far too small to even begin to compensate me for the XXXX I've bin through because of Wells Fargo.

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 2017-10-21
Company: AMCOL Systems, Inc.
State: NC
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 settled my debt with these companies and they are still listed on my credit report. Some are as old as XXXX. I owe no money and am trying so hard to repair my credit. I have 1 credit card and a car payment now but my history still haunts me. Please help me.

Company response to consumer: Closed with explanation