BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have disputed this Capital One Credit card charge off for almost a year straight now. This account has been reported with incorrect information the entire time it was placed on my credit report. I disputed this XX/XX/XXXX to verify this was my debt. They did not provide me with a single piece of documentation showing this belonged to me. They sent me a letter stating they do n't have reason to believe it is anyone else account. At this point they realized they need to stop reporting it in XX/XX/XXXX. They did not stop actually reporting it though until XX/XX/XXXX in which at that point they went and sold it to XXXX XXXX XXXX. They then reported on my Credit report that they sold it in XX/XX/XXXX! This is not the case as I have attached copies of my report showing it was still being reported by capital one all the way up until XX/XX/XXXX. They have also had all pieces of information mis-matching all XXXX bureaus with account status, date opened, balance, past due amount, and payment history. I have contacted them directly to get this taken care of. They told me that it is not them and that in fact it is the bureaus that are reporting the information incorrectly. I then contacted the bureaus who in return said Capital One and XXXX XXXX XXXX is reporting it this way. So they are giving me the run around. I am at a dead end because they are not following the FCRA Regulations. They have different information on all XXXX reports showing information that is clearly not proven with any documentation or the reports would match one another. 
Bottom line, Capital One sold this debt when they were told to delete it by the credit bureaus because they could not provide the information necessary to satisfy the dispute. They then went on to sell it months later and told XXXX XXXX to report that it was sold to them XX/XX/XXXX. XXXX XXXX XXXX is now violating FCRA regulations by reporting false information and incomplete information without any documentation that has been requested numerous times. They are acting reckless and negligent to my family and I financial situation and hardship. This account needs to be deleted from all credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
First and foremost TransUnion is the worst credit bureau out of them all. I 've been trying to reach them since Monday, XX/XX/2016. Since I 've reported fraud on my consumer report they make it hard for me to speak with a live agent. On today Monday, XX/XX/2016. I tried 8 times for 2 hours to speak with someone everyone told me that I needed to speak with the Special Handling Team Supervisor. After each time being put on hold for 45-60 minutes just to get transferred to a voicemail where no one ever calls you back. I have a Chapter XXXX discharged bankruptcy that 's reporting on my credit report. After contacting TransUnion I was told that the bankruptcy was verified as mines and that it could n't be removed. I asked the TransUnion representative what could I do? XXXX did an investigation and told me I had a mixed file. I was told by the TransUnion rep to contact XXXX and I did. XXXX sent me a report with their investigation and stated that they removed the bankruptcy. My local bankruptcy court in the XXXX District of Illinois stated that there 's no bankruptcy reporting on my social security number. After XXXX reinvestigation, they have removed the bankruptcy from my report. Please find I 've included my local bankruptcy court communications, XXXX statement of bankruptcy removal, XXXX proof of bankruptcy deletions

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 2015-12-26
Company: Collection Service of Nevada
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed a contract on or about XX/XX/XXXX for 1 year ( 12 months ) of XXXX for my son. The terms of the contract were {$100.00} to cover the cost of the uniform, etc, and 12 monthly payments of {$99.00} each ( total monthly payments to be {$1100.00} ). My debit card was charged {$100.00} by XXXX XXXX XXXX on XX/XX/XXXX for the down payment. 

On XX/XX/XXXX and XX/XX/XXXX, my debit card was charged by XXXX XXXX XXXX for {$99.00} for the first two monthly payments. 

On 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, and XX/XX/XXXX my debit card was also charged $ XXXX monthly payments, except instead of being charged directly by Martial Arts Legacy it was being charged through their payment company. 

When I noticed the XXXX charge, I called the billing company and told them to stop billing my debit card. They agreed, and I guess in turn notified XXXX XXXX XXXX, who then informed me that I still owed them 2 payments. I told them I had already made all of my payments, and they responded by stating they would send my account to collection for the final 2 payments ( which I had already paid ). 

Not including the down payment ( which I knew was separate ), I made 13 monthly payments of {$99.00} to Martial Arts Legacy when I should have only made XXXX. This summer I received a letter from Collection Services of Nevada ( CSN ) stating that they were attempting to collect a debt of {$190.00} for XXXX. I went to their office and provided them with a copy of my contract, along with copies of bank statements showing that all of my monthly payments ( plus one additional ) had been made. 

On XX/XX/XXXX I received another letter from CSN stating that they " do not agree with your position '' and claiming that they had " supporting documents '' that showed the debt was valid and that they 'd sent me " validation of the debt. '' Just for good measure, they threatened to file a law suit if I did n't pay. 

They have never sent me copies of their " supporting documents '' nor " validation of the debt, '' I have provided them with proof ( bank statements ) showing that all payments to XXXX XXXX XXXX were made, yet they are still reporting this to credit agencies and threatening me with a law suit. 

Can you please help me resolve this?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 my XXXX cell phone number was hacked and transferred to a prepaid phone. My phone number was then used to transfer {$22000.00} from my Wells Fargo checking account to a XXXX XXXX XXXX account. I contacted Wells Fargo fraud department the same day and filed a claim. However Wells Fargo has denied my 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 2022-11-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was at work on XX/XX/22 when my wife called in to ask about a loan modification we requested for on XXXX. Let me state my wife and I are legally divorced but currently working on our marriage. However that should be of no concern of Penneymac. Their only position in this is to process the paperwork not question my relationship status when they have been told we are back together. My wife spoke to XXXX who told her she was not authorized to speak to her about the account. We specifically faxed the paperwork requesting that she can be spoken to about the account on XX/XX/22. XXXX found the paperwork. Apologized that it was not on the system. She began to tell my wife that the loan modification was approved and that the unpaid balance would be put on the end of the loan. XXXX also mentioned that fed ex delivered the paperwork which we never received. She proceeded to look up the delivery date then hung up on my wife. When my Wife called back the single point of contact person who was XXXX didnt answer. She is the XXXX listed on the paperwork. Someone named A from the XXXX XXXX modification office answered and proceeded to say the paperwork had not been processed. A would not provide his last name when requested by my wife although he has sent paperwork to our home with his last name on it. My wife requested to speak to a supervisor. AA stated the office closed at XXXX although XXXX answered at XXXX. AA put my wife on hold and came back to say the supervisor want available. My wife asked for a number to file a complaint. It would not have gotten this far. XXXX gave my wife an approval date which was XX/XX/22 in which the loan modification had been approved. She said the paperwork was sent out via fed ex but did not provide the date delivered or the tracking number. XXXX mentioned the line was being recorded so this recording dated XX/XX/22 should be able to be pulled up easily. We have done everything Penneymac asked of us including sending a fax with the modification paperwork requesting that my wife be included in these calls because I work and yet she is still getting the runaround instead of AA or JA just doing the job they get paid for. To help their customers. We want to keep our home. We can now make the payments but it seems as though Penneymac is intentionally trying to foreclose on our home. They advertise that they are here to help the homeowners yet when my wife calls and sends in the requested paperwork as requested by Penneymac there still is no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: LEXISNEXIS
State: LA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Yes I apply for a security freeze to be place on my credit file to LexusNexis, and it was place successful with no problem. So my husband was told to place a security freeze on his reports as well. Ok I receive my pin and all. I receive a call on today, that Lexusnexis remive my security freeze wuthout premission. I was told it was issue in error. I been a victim of someone keep applying for credit in my name. Also I have a relative with the same name and her credit is also been added to my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The bank has placed what is termed " an extraordinary hold '' on two checked deposited into my account on XX/XX/XXXX, such holds are spelled out and defined within the Expedited Funds Availability Act of XXXX ( EFAA ) enacted in by the United States Congress for the purpose of standardizing hold periods on deposits made to commercial banks and to regulate institutions ' use of deposit holds. The deposit total is approximately {$8000.00} and falls within the established hold rule of large deposits. Such deposits are to be held and funds incrementally released as follows : Large deposit : deposits greater than {$5000.00}. A release of {$200.00} on the first business day following deposit, a release of {$600.00} on the second business day following deposit, and a release of {$4800.00} on the third business day following deposit, with the complete remainder released on the seventh business day. 

I contacted my local Bank of America branch, made aware of this rule and gave them a copy of the EFAA and how their actions failed to follow the established EFAA rules and I was told the holds were placed on the items " by the system ( I am assuming meaning " their computer '' ) and no one had/has the ability to override the holds. 

I then made a call to the customer service line for assistance and was given the same answer mentioned above. I then made an appointment with a local branch manager who attempted to speak with the department managing the holds, and that manager was told, " the bank hold complied with the terms of the depositor agreement '', when I explained the agreement does not have the right to violated the law the telephone call was disconnected and a recorded message instructing us to call back again during XXXX Central Standard Time ( please note the time was XXXX PST when the call was disconnected. 

My complaint alleges that Bank of America is in XXXX Breach of the EFAA and the protections established within the the intent of law and rules governing the holds on deposits for depositors of the bank. Such disregard for compliance by the bank to follow fully the rules places at harm, the American public, and a possible greater risk of financial harm to the overall financial damage to the American economy. 

If depositors can not access their funds in a timely manner, it is reasonable to assert that those actions create a cascade effect for those persons and businesses awaiting payments to cover liabilities of the depositors. 

Your assistance and help is greatly appreciated.

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 2015-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had an account with XXXX XXXX. When I moved, I took the rented equipment with me. The supervisor advised me to use it with my new account. The representative removed any new equipment off my order since I already had it. I received a bill saying I owed XXXX for unreturned modem. I called and explained. They said they would fix it. I kept receiving bills and kept calling. I finally just cancelled the service and returned the modem. I explained why I was cancelling. They sent me a postage paid box and I used it to return the modem. They are still charging me but I gave up calling months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: WLCC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/2022, I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to Explore Credit. However, Explore Credit continues to debit my account. The most recent attempt was using an eCheck because those are difficult to dispute with my bank. The date was XX/XX/2022 for the amount of {$330.00}, more than 60 days after I requested that Explore Credit stops debiting my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a business credit card with Capital One. Over the last several months, Capital One has ( according to their customer service and fraud departments ) changed my BUSINESS mailing address on the account to my residence address without my knowledge or authorization. I have just spent over XXXX minutes on the phone trying to resolve this, only to discover they have changed the address yet again. They have escalated this to a " fraud '' investigation, yet THEY are changing the address - they say - based on information they are receiving from the Post Office. They have never verified these changes with me, the card holder. They simply change the address, and as a result the due date on the account also changes ( which is what prompted the call by me ). It seems address changes should be verified by the account holder, as anyone with computer access can put through an address change - and in this case - redirect mail away from the business address to a residence. Fortunately, it went to my personal residence, but these changes should not be made " automatically '' ( their word ) without verifying the change with the person RESPONSIBLE for the account. My attempts to resolve this through their customer service department was fruitless and incredibly frustrating, especially given the language barrier.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
CAPITAL ONE AUTO FINANCING IS REPOTING AN ACCOUNT THAT IS INACCURATE. THE ACCOUNT HAS BEEN PAID IN FULL. THE REPORTING AGENCIES DO NOT HAVE PERMISSION TO EPORT THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: AZ
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:
Equifax is violating laws, I have submitted several complaints and disputes and I dont believe that theres been actual investigations on these accounts as they still reporting inaccurate and Equifax has failed to furnish any documentation that prove they are reported correctly. I have submitted factual data disputes with inaccurate balances, date last active, high credit, and etc. On XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX I was given results from Equifax stating the accounts in question are 100 % accurate which is false, as I have submitted my credit reports with the highlighted inaccurate and inconsistent information and they are still not removed. 

These inaccurate accounts are causing mental stress to my life, because Equifax keeps telling me that Im wrong when Im sending the bureau info taken directly from my credit report! This is what Equifax is reporting and Im pointing out the errors and inconsistencies, so how am I wrong when its what you are showing to me. These errors on are making it hard for me to obtain new credit and Equifax is reporting inaccurate accounts and keeping them on my account is violating the FCRA and FTC laws. I have attached my credit report with the highlighted inaccurate accounts with errors on my credit report. I demand these inaccurate accounts be Deleted Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Genesis credit management {$1300.00} My apartment complex I use to live at sold their debt to this company and they dont have a license to collect in the state of Texas which is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Equifax apparently removed XXXX incorrect addresses off of my credit report. However, they have refused to correct the current address on file without my faxing or mailing them personally identifiable information. I am reluctant to fax or mail the documentation requested. because I am concerned my documents could be intercepted in the mail, or made available to an untrusted source if the documents remain unattended on a fax machine. I requested the option of emailing the documents, and Equifax refused. They also would not guarantee the safety of my documents. Equifax also refused to provide me with the source of the incorrect information, so I was unable to coordinate address corrections with that so-called reporting source. It is unfair that our official records and credit score is based on credit reporting agencies that are not under the scrutiny of a federal agency, and consumers are forced to go through hoops and jeopardize our personally identifiable information to correct errors of the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I requested my credit report from annual credit report website - and received my credit reports. I found several additional names on my experian credit report and tried to use their online site to dispute. However, instead of taking my request to dispute, their website told me to call a experian number. I called the number and their prompting told me to go to their website to get further information. I found instructions on their website which told me to follow the instructions for disputing that are contained within my credit report. I read the credit report and it instructed me to submit a dispute complaint to consumerfinance.gov. I am stuck in a loop and want to get these references of other names off my credit report.

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 2015-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I disputed a loan that was appearing on my Credit History with Capital One Auto Finance. Initially, the Fraud Claim Questionnaire was sent to the wrong address despite my correct address being perfectly clear on the correspondence I sent to COAF in XXXX, 2015. After repeated attempts to reach COAF over the phone I was able to get COAF to send the Fraud Questionnaire to the correct address. I sent in ALL of the requested documentation along with the Fraud Questionnaire, which included a Police Report from XXXX County Florida, and my Drive 's License as requested by COAF 's instructions on the Fraud Questionnaire. I did NOT apply, open, or benefit from this account, nor did I authorize anyone to do so on my behalf. Whoever opened it did so illegally, fraudulently using my personal information and most certainly without my knowledge or authorization. 
Despite all of this COAF refuses to remove the Fraudulent Account from my Credit History claiming I sent a report from " XXXX COUNTY '', Fl. which is almost XXXX hours away from where I reside and got the Police Report in XXXX County., Fl . They are also indicating on my Credit History that payments were made to the account, they were not. I 've never had an account with Capital One Auto Finance, and I 've never made payments to the account I am disputing. Capital One refuses remove the account gain, claiming the Police Report from " XXXX COUNTY '' was " misrepresented '', again, the Police Report that was sent to " Capital One Auto Finance '' was from " XXXX COUNTY '', NOT " XXXX COUNTY ''. 
It upsets me the carelessness of this whole process, sending sensitive material to an address I wo n't even reside at. This despite the correct address being clearly shown on the written correspondence sent to COAF in XXXX, 2015.

Company response to consumer: Closed with explanation