BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card
Issue: Payoff process

Complaint:
I was traveling last week and knew I had an upcoming Auto-Payment set for my Capital One credit card on XXXX XXXX from my primary XXXX checking account. The Auto-Payment was just less than my current balance so I linked a XXXX checking account to my credit card to pay the monthly bill with. I selected to make a one time payment for the amount due for the month on XXXX XXXX from that XXXX checking account and verified the details before submitting. I thought all would be fine. Upon returning today I checked and saw that the one time payment had been processed to my primary account, not the XXXX as I had requested. To further aggravate the situation, the Auto-Pay was processed as well for the full amount, even though my account should have show a XXXX balance on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
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:
After viewing credit report there is a Charge-off of an amount that I have never been aware of.

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 2021-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
In XX/XX/2021 I XXXX XXXX applied for a Capital One credit card, I supplied my SS # which is my open end credit card, I was denied in direct contradiction the Consumer Protection laws which were enacted by Congress ; FDCPA, TILA, FCRA to protect the consumer. I responded to the Adverse Response letter which was sent by Capital One explaining as much, to this day they have not responded. The letter details their violations of the laws, and includes the remedies I seek. The documents were sent Certified Mail # XXXX and was delivered XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: PA
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:
Apparently my data was stolen from Equifax as part of their massive data breach. This is beyond unacceptable. Their " protection plan '' wants me to waive my rights to sue them in the event that someone uses my personal data to carry out fraudulent activities using my identity. Additionally, their coverage is inadequate in that the actual impact of a potential fraudulent use of my identity may result in damages far greater than what they offer.
This is a serious issue that a company that I have no business with, no contract with and no control over has this much of my personal information. What recourse do I have in the event that something happens as a result of this breach? What is the CFPB 's recommendation regarding waiving legal options to get their 1 year of inadequate coverage.
This should not be optional coverage, and it should have no limit nor term. Should identity theft occur as a result of this breach, it should be Equifax 's responsibility to cover the damages regardless of when they occur and how much the damages are.
These companies should not be allowed to have access to this data without the individual 's consent. People are effectively forced into a business relationship with a private company that clearly has inadequate protections in place. As a result, millions of American 's are at risk to massive fraud and financial damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Medical Bill with XXXX XXXX XXXX ( XXXX XXXX  Medical Center ) at XXXX XXXX XXXX, XXXX, GA XXXX, Phone XXXX and XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX., XXXX FL XXXX phone XXXX Medical Services were around XXXX XXXX, 2016. Payments have been and are currently still being made as agreed {$10.00} / 2 weeks. All payments have been tendered by creditor and is now being reported as negative on my credit report. XXXX XXXX XXXX Acct. # XXXX XXXX  Acct. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: IN
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:
Equifax and XXXX continue to report a collection account from XXXX XXXX XXXX. I have never had any business with XXXX, was never alerted they were trying to collect a debt or anything. I moved out of an apartment serviced by XXXX XXXX. When I found out I owed them money, I paid them. I was never contacted for collections by XXXX or XXXX. I just ended up paying XXXX but XXXX continues to report. I would like the XXXX collection removed from my credit. It is damaging my Fico scores. Just reporting to the credit bureaus without any attempt to first contact and resolve a debt is shady business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN
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:
XXXX and XXXX continue to report a collection account from Helvey & Associates. I have never had any business with Helvey, was never alerted they were trying to collect a debt or anything. I moved out of an apartment serviced by XXXX XXXX. When I found out I owed them money, I paid them. I was never contacted for collections by Helvey or XXXX. I just ended up paying XXXX but Helvey continues to report. I would like the Helvey collection removed from my credit. It is damaging my XXXX scores. Just reporting to the credit bureaus without any attempt to first contact and resolve a debt is shady business practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C.

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 2020-02-13
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
I had an account with GM Financial from XXXX - XXXX. Account number XXXX On XXXX The account was paid in full. Since payment, GM Financial has continued to report my account with payment history. I sent a letter to the credit bureaus to remove the payment history and when I looked at my account this month, not only is there additional payment history, but they are being marked as late as recently as XXXX. The car has been paid off since XXXX. I could NOT be late! I am trying to purchase a home, and these markings have derailed my qualifications. I demand they be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13
Company: AMERICAN INTERNET MORTGAGE
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently applied for a cash out refinance with AimLoan for a rental property I have owned for several years. I am subscribed to several real estate sites such as XXXX and XXXX to get periodic updates on the market conditions in the area. Every comparable sale I could find valued my home at over {$160000.00} so I used {$160000.00} as the current market value when I applied with AimLoan. On XX/XX/2020 the real estate appraiser AimLoan hired went to the home and completed an appraisal. The results came back at {$150000.00}. The appraiser missed entire sections of the home and also attempted to use the income method to value the property based on estimated rents vs the actual rent amount I receive which was supported with the current lease agreement I sent to AimLoan before the appraisal. I called AimLoan to push back on the appraisal and the only answer I received was to go and get my own comparables which is what I did before I even started the loan process. I have been unfairly treated and this appraisal is artificially low.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
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:
My name is XXXX XXXX XXXX. The balance reflecting on my XXXX XXXX Credit Card Account XXXX is not accurate and does not reflect the recent update. Please update account to reflect accurate balance. I have attached supporting documents for this 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 explanation
Consumer complaint received 2021-08-27
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: Their investigation did not fix an error on your report

Complaint:
I have continually tried to work with XXXX  to update my credit report, yet when my balances are exponentially decreased there are NO CHANGES TO MY SCORE OR XXXX DECREASES MY SCORE!! I WANT THIS PROBLEM FIXED NOW!!! NEXT STOP IS THE FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: VA
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:
1 ) Equifax 's lack of proper security allowed my personal information to be compromised 2 ) They did NOT let me ( or any of the customers! ) know when the data breach happened so that I could take proactive steps ; they only published it weeks afterward ( based on their statement of XXXX-XXXX-17, the breach happened on XXXX-XXXX-17 ), so my SSN, addresses, credit score, and other personal details have been at risk without my knowledge 3 ) The " compensation '' offered is in the form of one year of free credit monitoring ( XXXX XXXX ) which will not cover the lifelong risk of my SSN and other details being compromised 4 ) There is a hidden statement in the enrollment terms for XXXX XXXX that enrolling will waive my right to file a suit against Equifax, which is not accessible except by looking at the terms of service of the site itself. This is completely disingenuous on the part of the company 5 ) The only step for me to take to protect myself from Equifax 's data breach, at this point, is to pay them {$10.00} to freeze my credit XXXX {$30.00} total to freeze across all bureaus ). I should NOT have to pay THEM to protect myself from their bad business practices! 

This whole thing has been handled very poorly and possibly illegally by Equifax, putting me and millions of others at risk without timely and appropriate communication and attempts to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XX/XX/XXXX ATTN : Consumer Financial Protection Bureau Washington, DC This letter/request is for Consumer Financial Protection Bureau, CFPB, to try and help me with a problem. I have two XXXX XXXX personal loan accounts reported on my Experian Credit Report. The two accounts are XXXX and XXXX. Both accounts are identical in that they are with the same financial institution, same date opened on XX/XX/XXXX, same original amount of {$2600.00}, and the same terms of 48 months. The second duplicate XXXX account, XXXX, was somehow made in error or fraudulently. I have communicated that this second account was an error or as a result of misinformation to both Experian and XXXX XXXX, but have not yet received an outcome. 

Therefore, I decided to ask XXXX for proof that I opened this second account, XXXX. I hope they would have some documentation of this second duplicate XXXX personal loan. I made the first XXXX loan, XXXX, in person and signed documents in person at the XXXX branch location in XXXX, Texas. Since I had signed in person for the first XXXX loan, I thought the second duplicate loan and allegedly on the same day would also have a second signed set of signed documents ( if it existed ). 

I have tried calling, and I have tried sending letters for the proof of the second duplicate XXXX loan, account XXXX. Then after numerous phone conversations with XXXX  and numerous letters to XXXX, I finally received a XXXX response letter dated XX/XX/XXXX ( please see attached ) that my correspondence does not provide sufficient information to investigate your dispute. After numerous letters that have included many attached copies of my two credit-reported XXXX Accounts, this response of XXXX not having sufficient information is quite hard to believe. That there wasnt enough information to investigate is even harder to believe. 

At any rate, I ask that someone from CFPB to look at my attached documents and note that on my Experian Credit Report the two XXXX XXXX loan accounts have the identical date opened on XX/XX/XXXX, identical original loan amount of {$2600.00}, and identical terms of 48 months. 

What else can I do in an effort to receive proof of this second duplicate XXXX loan account? Please point me int the right direction. 

Thank you and appreciated. 

XXXX XXXX XXXX SS 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 2021-03-24
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ISSUE # 1 XXXX is billing me for services NOT received. 
My service was disconnected XX/XX/2020. 
I switched service in order to work from home, due to the coronavirus, XX/XX/2020. 
XXXX has not credited my account for the XX/XX/2020 payment of {$250.00}, even though the check was cashed ( Check # XXXX, cancelled XX/XX/2020 ). 
XXXX XXXX records show service through XX/XX/2020. 
I have communicated this dispute in writing to XXXX on 4 occasions. 
XXXX has sent this debt to collections and it is on my credit report. 

ISSUE # XXXX XXXX has credited my other account {$140.00} XX/XX/2020 and sent me a XXXX card for the same amount. 
On XX/XX/2020, I received a notice from a collection agency on behalf of XXXX, for the amount of {$140.00}. 
I have communicated this dispute in writing to XXXX and the credit collection agency on 3 occasions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IA
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:
On XX/XX/XXXX, Equifax the credit bureau, discovered a data breach that compromised my information which includes but is not limited to my name, social security number, credit score, etc. Despite this breach affecting not only me but 150 million other Americans, we only became aware of it in early XXXX 2017. 150 million americans experienced identity theft and for almost 2 months none of us knew. Add to that their CEO 's made sure to sell their stocks before hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello I have or had a checking account with Wells Fargo and since its not my primary bank and have no active deposits they took it upon them selves to close out my account.

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 2021-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Didn't receive advertised or promotional terms

Complaint:
I was told by an agent over the phone at Capital One that they had a promotional upgrade and if I upgraded my card I would get 12 months interest free. I asked the agent several times and in several ways if this works interest free also applied to the balance I already had and was told yes. I got my bill after upgrading and realized I had interest on the bill. I called and escalated the situation and asked for the calls to be reviewed and honor what I was told. After admitting that I was given the wrong information they said there was nothing that the are going to do. I told them to cut my card off. The proceed to bill me and accumulate interest in a " interest free card ''. Now they are trying to sue me in small claims court. They think because they are a big corporation that they can commit false advertising and not have to own up to it and now have the nerve to try an sue me. I am going to fight this all the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: EQUIFAX, INC.
State: PA
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 aware Equifax is using an elaborate mechanism to investigate and verify Tradelines on my consumer report. Which is in fact a violation of my consumer rights. Pursuit 15 USC 1681 ( e ) investigative consumer report clearly states the terms to establish proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax hack A suggested action by consumers in light of this data exposure is to have a fraud alert and/or credit freeze placed a
t the 3 credit reporting companies. There is a fee for this action. My complaint is why should consumers have t
o pay to protect themselves when Equifax negligence is the reason for the exposure.
These services ( freeze, fraud alert, etc ) should be provided free of charge and Equifax should be more proactive in taking these steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I SENT IN LETTERS BUT GOT NO RESPONSE ON THE FOLLOWING : I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME

Company response to consumer: Closed with explanation