BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a senior citizen and to make ends meet took a partime job as purchasing manager for XXXX XXXX. They would transfer funds into my Capital One credit card account with a {$5200.00} credit limit. Once the funds cleared, I would purchase items on the CC up to the amount of the transfer. I called Capital One to confirm if the funds had cleared. They advised me that the funds were available. XXXX separate transfers were made about a week apart. I coordinated the purchases for {$9200.00} through the Fraud Dept of Capital One to make sure the CC was not denied. The Capital One Fraud Dept cleared all of the purchases. About a week later I receive a notice that my CC account was overdrawn by almost {$8000.00}. I asked how that was. Capital One explained that the funds that were transferred, the account they were transferred from was overdrawn and funds were unavailable. I asked how that could be since both Capital One and their Fraud Dept cleared the transfer and allowed the purchases. The CC rep said the funds actually did n't clear but were posted to my CC acount because I was such a good customer for over 15 years. I asked them to remove the charges from my account. They refused. I then filed a police report with the XXXX County Police Dept. Report # XXXX. I then called the Ohio Attorney Generals Office who referred me to the Controller of the Currency who referred me to Consumer Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Home Loan Center, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
This person XXXX acted as a lending tree representative and put s fake check in my XXXX XXXX account which got my bank account closed.He asked for my routing and account number my online sign in info user name and password. He said I qualify for a XXXX loan.He said he had to wire XXXX dollars into my account to make sure it was real and to call him in the morning .I went to my bank account and it was not allowing me to sign in .That 's when I went to my bank and they told me the situation. I also was contacted by XXXX XXXX while I was at the bank and put him on speaker infront of the bank manager .The bank manager said the individual tried to deposit a fraudulent check sign by XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Started having mechanic issues with the vehicle and I have been unable to pay for the repairs and keep the vehicle. I would like have my payments reduced & modified. My payment is currently {$480.00}. I do want to retain ownership my XXXX vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a checking account with Capital one bank for 4 years. On XXXX/XXXX/2016 I made XXXX pay check deposit totaling {$2200.00} into my account through ATM in XXXX. I had a temporary job in XXXX from XXXX to XXXX, there 's no Capital One bank there, so I brought it back to XXXX and make a deposit. Later on I found my bank account was been blocked, I went to the branch, and was told those checks were fake and they closed my bank account. Then I asked my boss, he has banking with XXXX, but those money was already debit from his business account in XXXX/XXXX/2016. I came back to the branch, and shown them my paystub and my boss 's bank transaction picture, but they even did n't look at, they insist hose check was counterfeit but refused give me any letter which I could forward to my boss. My co-worker also made their pay check deposit to their bank, but none of them got problem. My boss ca n't issue me another checks, cause he said his money was already take out from his account. Until now, I did n't get any letter or phone call regarding this matter. I just do n't know, where 's my money, and what reason cause this problem? What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Transaction issue

Complaint:
Re : Kohl 's Account # XXXX I made purchases in XX/XX/XXXX totaling {$180.00}. On XXXX/XXXX/16 I made a return in the amount of {$28.00}. On XXXX/XXXX/16 I paid the remaining balance {$150.00}. On XXXX XXXX, 2016 the Kohl 's system took an auto payment of {$180.00} when the balance on my account was XXXX. Now they say it will take over 60 days to refund my credit balance. This is a computer programming glitch for the company to float my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I have docs proof of my purchase was canceled and did not hear from Capital One wanting further docs AT ALL. They recharged me for a purchase that was deactivated because I canceled to the software and now I have to repay? XXXX. Are you kidding me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Debt on card was settled and paid as agreed over a month ago on XXXX XXXX, 2015. To date Capital One has not reported my correct debt status of {$0.00} to the major credit reporting agencies and have not provided verification of payment in full as agreed. They are continuing to report a balance due to all XXXX credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED THE LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-09-01
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I am receiving numerous calls to my employer and the number they are calling is to my department head. He has asked numerous times to stop calling but calls are still made. They are calling my cell phone demanding that I verify myself with my personal information and when asked who they are they are rude or hang up. They are being very threatening to myself and supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have XXXX credit card accounts with Capital One : XXXX ending in XXXX and XXXX ending in XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I was n't regularly receiving statements from the company. I did move twice during this time period, but i made sure they were provided the correct contact information. As you can see my payment history prior to that period was stellar and has been since then. I made multiple requests to Capital One to update my reports due to the statement issue to no avail. I have even disputed directly with the bureaus who advise the grantor has closed the dispute, which should not be allowed. I am now requesting your help to have credit reaged. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards of the incorrect items on my credit report and it has been well over 30 days. And I have not received any investigation results.

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 2016-07-25
Company: LEXISNEXIS
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
1. Applied for renter 's insurance with XXXX XXXX and was sold a policy on XXXX XXXX, 2016. 
2. About 2 weeks later received notice from XXXX XXXX that policy was terminated effective XXXX XXXX, 2016, based on LexisNexis NCF ( national credit file ) report. Was given XXXX & XXXX as consume report reference numbers to use for requesting a free copy of reports. 
3. Utilized XXXX to request free copy of reports. 
4. Received reply from LexisNexis saying, " We were unable to locate your file with the information provided. In order to process this request, please provide your social security number, so we can obtain a copy of the report. '' 5. Because of security concerns and identity theft, I am not willing to divulge my social security number. Obviously the report was already created for the benefit of XXXX XXXX, so I demand a copy of it. 

Please assist. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Flagstar Bank, N.A.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over charge of interest, failure to keep contract. I have contacted Flagstar Bank at least 4 times over this, they either hang up on me or never call me back. I've been a customer of them since XXXX am almost 6 months ahead on my house payment. I have been ahead on my house payment since day one with Flagstar bank. They have failed to calculate daily interest and charge me according to the payment schedule. 
Example : Interest paid in 2020 = {$6300.00} Loan balance XX/XX/2020 = {$100000.00} Loan balance XX/XX/2020 = {$110000.00} Fixed interest rate = 5.375 % APR = 5.5706 % as stated in original contract Flagstar bank states my APR is 5.793 % ( FALSE ) Average loan balance for 2020 = {$100000.00} Annual Interest divided by loan balance =APR $ XXXX {$100000.00} = 5.846 % APR a very close approximation. 
Please help me to stop this crime!

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 2016-01-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I requested a Security Freeze from Equifax twice because I was a victim of ID Theft. I am also a senior citizen. They have failed to place a security freeze and send me a pin. I sent in XXXX 2015 and XXXX 2015 and when I call they just try to sell me monitoring or try to make me pay for the security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
equifax is knowingly reporting information from a furnisher you fined 3 days ago for not reporting credit correctly ... ..but the offense is equifax 's because it is obvious misreporting on the face of the record, equifax is reporting current status as 120 days late while it is a paid in full XXXX balance account..its my XXXX student loan account XXXX ... this blatant error of equifax proves they do not care about cfpb enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried for several month to have addresses and personal information remover off of my credit report, but the credit reporting agency have not complied. I've been a victim of Identity theft and I fill that this may be the reason it's happening.

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 2015-06-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX accounts on my credit report that are not mine. XXXX is for XXXX ( debt collection agency is XXXX XXXX Solutions ) and the others are XXXX medical bills from XXXX XXXX. I never did any business with XXXX so I can only assume that this is a fraudulent account or they have the wrong person. The medical bills were not my responsibility, the insurance was under my ex-husbands name, the insurance was provided for his daughter at the time of service and there were no additional co-pays or fees. I have disputed these items with the credit bureaus, however, they remain on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed the following issues with accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX XXXX, XXXX, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

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 2015-12-10
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX, Wells Fargo Home Mortgage ( Wells ) sent me a letter advising that my HELOC would mature on XXXX XXXX, XXXX. Upon receipt of this letter I contacted Wells, in accordance with the provisions in their letter, to discuss options if I was unable to pay the full balance due at maturity. Through numerous discussions with Wells staff for 18 months I was advised that making monthly payments to them was not an option. I submitted a complaint to this agency in XXXX, XXXX advising of this situation for my attempt to somehow continue to make payments on my HELOC. NOTE : Despite my efforts to establish a payment plan for 4 months prior to my HELOC maturity date, Wells began to aversely report on my HELOC to the credit bureaus. I notified your agency of my dilemma and after your agency intervened Wells then agreed to establish a payment plan with me. I received a modification agreement in XXXX, from Wells after making XXXX trial payments with them. Upon my receipt and review of the modification documents I found the following clause, " Currently I have a past due amount on my Account. The Bank and I agree that if the terms of this Agreement are followed, my Account will not be considered past due from the date of this Agreement on a go forward basis. '' While technically, my loan matured some time ago, I exercised ongoing attempts to avoid an adverse situation on this account. Once the CFPB got involved Wells decided to establish a payment plan with me. I have requested that my credit bureau report ( s ) be corrected to not reflect this adverse information. Especially since I have an impeccable credit record aside from this account. It is my opinion the above described clause in the modification agreement is UNFAIR, particularly in light of the definition of UNFAIR in accordance with its definition in the Unfair, Deceptive, Abusive Acts or Practices Act ( UDAAP ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Aargon Agency, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They reported on my credit without notifying me in writing 30 days prior to reporting.

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 2020-12-15
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- STUDENT ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/2006 with a balance of {$3300.00} -This is not 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 2016-03-21
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
this account was originally a open end account lowes credit card and lowes uses GE money bank and was sold to attorney for collection dates where not verified with original credit holder and per the Alabama FCRA this is an open ended account and per statues 6.2.30 and 6.2.37, 3 years is the state of limitations my original confirmation number for this dispute with lowes ge money bank was 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 2016-06-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This is RE : Wells Forgo My accounts where set up to lose money from the beginning there were never a sum in basic math of my checking accounts. When I left and went to the bank I 'm with now I could see a very big difference in how it 's to fair and safe. I was losing money for five years just in my checking accounts. Any one that could see my bank accounts it could easily be seen as I have with my new bank accounts I did not lose a XXXX from my new accounts. This is XXXX dollars over the years. I have had other accounts. A credit card which is called revolving account which I have paid off over and over again till the stilling was just out of control from my deposits many stolen as it entered my account ever month more then Enough to handle these accounts which I did for over three years before the theft. There was also another account were I signed for which I signed for a loan the larges account with Wells Forgo paid it over twice then learned it was a revolving account not what I asked for or signed they have all ready shown me a fraud letter with a signature that is mine that is Identity Theft.

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 2022-08-04
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:
This unconfirmed accounts listed below continued to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the XXXX Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$210000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; NAVIENT XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation