BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I submitted a dispute in XXXX to XXXX Equifax and XXXX. XXXX completed their investigation and found out XXXX of the information that I disputed should not have been on my credit report. They removed, updated and corrected the information. XXXX has not done the same. Equifax refuses to fix my credit report. They have information on their that 1. does not belong to me and is incorrect ex. pucblic records, XXXX and XXXX investigated and removed. I pay for a monitoring service from all XXXX. They should update from the other 2 credit reporting agency. My XXXX score is XXXX with XXXX. XXXX XXXX is XXXX and equifax if a XXXX. That is unacceptable. Equifax and XXXX should be reporting the same as XXXX who took the time to investigate and provided the correct information. My financial situation is severly getting affected because of Equifax and XXXX. Please have Both equifax and XXXX update my credit report as XXXX did. All information on XXXX is correct. I am also attaching all XXXX of my current credit reports so you can see how bad equifax is. I only had to call and dispute once with XXXX. I called Equifax 15 times and disputed about 10 times and they still refuse to do anything about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I requested from XXXX XXXX and XXXX XXXX to remove Hard inquiries from my Equifax credit report. They have acknowledged they would. concurrently I had request Equifax to remove these inquires, knowing they should be. They have refused, however Both XXXX and XXXX XXXX have certified they should be remove. ( see attachments. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I have contacted Experian and have not had this issue resolved. 
In accordance with the Fair Credit Reporting Act, everything reported has to be 100 % accurate on a credit report. 
Experian is reporting addresses that are not accurate or relevant. I did not give Experian permissible purpose to report false and inaccurate information on my credit report. I can not receive mail or any correspondence nor do I have access to any of these addresses. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
My rights have been violated under 15 USC 1681 section 602A, which states I have the right to privacy and under 15 USC 1681 Section 2 which states a consumer reporting agency may NOT furnish a credit report without the consumers written permission. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

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 2016-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Credit determination

Complaint:
I applied for a business credit card with Capital One. Capital One ran my credit ( score of XXXX ; see attached ). I have a fraud alert on my credit report so Capital One was supposed to call me and ask me questions about my report to verify my identity. Capital One never called me at the number provided. I received a letter from Capital One dated XXXX XXXX ( attached ) stating that they were unable to reach me concerning the fraud alert. I wrote Capital One back ( attached ) informing them I never received a call from them and asking them to call me back. They never did as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have XXXX hard inquiries on my credit report from XXXX company that i never applied for and im having a hard time getting these inquires as the credit bureaus are giving me a hard time about removing them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
I have located an incorrect late payment from Capital One Bank. The account has been paid and closed since XX/XX/XXXX. When I located this account, I contacted the Credit Reporting Agencies right away to have the account remove due to the lack of validaiton by the Bank pursuant the FCBA, and TILA. However, after endless dispute letters to the Bureaus, and phone calls, the account still remains there. I have advised the bureaus that the reporting dates are incorrect, it appears to be reporting as a 30 days late XX/XX/XXXX, but it was actually late XX/XX/XXXX, and that the account is over 7 years ago therefore, it must be removed. When I call the bureaus to complaint, they told me that, they can not call the creditor by phone as I have suggested, and that all they can do, is to send the dispute through XXXX. I am in the process of purchasing a home, however, the bank is giving me a hard time because of this silly 30 day late payment, that has been reporting wrongly for the past 7 years. Please help me as to the bureaus dont want to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was notified in am email on XX/XX/XXXX that Bank of America would be updating their home loan system between XX/XX/XXXX and XX/XX/XXXX. After XX/XX/XXXX everything was supposed to be finished and I should have been able to access my account. As of XX/XX/XXXX I was still unable to access my account as it had been removed from my user account profile, so I sent them a message to ask what was going on with the account and if there was something that I needed to do on my end. On XX/XX/XXXX I received a reply back from them informing me that my issue would be best resolved if I contacted them by phone. I called the phone number provided and was informed once I got into the queue that the wait time would be over 90 minutes. This is an unacceptable amount of time to wait to have this issue addressed. I wrote them in the first place, so I did not have to wait an eternity on hold only to get dropped part way through the call, which I did.

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 2022-01-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I initially was able to get to my report online with Experian. I found an unknown SSN and address in XX/XX/XXXX associated with my account. When I went to dispute the SSN, a number popped up stating I had to call that number. I was then kicked out of the website. When I tried to log back in, I was told my user name or password was incorrect. I changed my password. Then it said my user name was incorrect. I recovered my username, which was the same that I had been using. I attempted sign in again, but am only returned back to the same sign in page either with or without an error. I have NOT been able to reach one person for technical issues with the website. Every contact number or link leads only to more automated messages, none provide support for technical issues. So, someone with another SSN may have access to my acct and I can not get an Experian rep on the phone to get back into my online account. This is the most frustrating issue I have ever experienced. There is no indication that I have been locked out of my account, but may have been due to the number of times I tried to gain access with my correct and updated user name and password.

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 2020-08-13
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX of 2016 my student income based payment plan was set to renew at 15 % of my income. I asked Navient if there was a way to lower the payment. They steered me into a new plan that would be 10 % of my income without explaining to me that I would incur {$60000.00} in capitalized interest. I believe I was deceived so they could get more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: ALLIANT CREDIT UNION
State: MI
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:
Inquiry from Alliant Credit Union on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report XXXX from Alliant Credit Union on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: Caliber Home Loans, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a previously complaint number XXXX that Caliber Bank responded to on XXXX/XXXX/2015. I would like to re-open the complaint and dispute the response provided by Caliber. I was unable to respond in a timely manner due to having to relocate after Caliber foreclosed on my home and forced me to leave.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Byrider Franchising, LLC
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I purchased my car through XXXX Byrider in XXXX 2013, financing it through CNAC. Immediately after purchasing the car the engine light came on. I did take the car to them to fix and had to pay for some of the repairs. The warranty does not last on the car and as soon as the warranty expired did the many problems arise. I believe this company takes advantage of customers with poor credit by giving them cars that has many hidden problems while giving them huge bi weekly payments ( I pay almost {$500.00} a month ). I just got my car back from the mechanic about two weeks ago and he had it for almost a month. That means I had no way back and forth to work while still trying to keep up with my payments. The car has so many problems it is just a matter of time before it is undrivable XXXX again. 
When completing the application for the vehicle, I gave them a list of people to contact as a reference and another short list to contact in case they are unable to contact me. Currently my car payment is four days late, I told XXXX Byrider that I will make my payment on Friday as soon as I get paid. They are contacting my references telling them that they are not able to get a hold of me which is untrue. I have the emails to prove that I am in contact with them. They are not using the list giving to them to contact if they were unable to get a hold of me. My father called me today extremely stressed getting these phone calls. I emailed my rep to let her know that my elderly father XXXX ( among so many other health issues ) and that stress is the worst thing for XXXX. I asked her why she would she contact him when we already had a discussion regarding me paying on Friday. I also informed her that he was not on the list to contact if she was not able to get a hold of me and to please not contact him again because of this. She told me that she will continue to contact him until I made my payment and would not stop unless he told her not to. It is not in my father 's nature to tell someone to stop calling him but most importantly it is against the agreement that they put forth, morally wrong, a form of harassment and elderly abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: OneMain Finance Corporation
State: MI
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:
Inquiry from OneMain Financial on XX/XX/2020. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I was searching for some products on XXXX  for my upcoming birthday By a designer name XXXX XXXX and I had found one item I had like and I contacted the person about it. Everything seemed okay very legitimate. I thought I was contacting the real person. Because He gave me very details instructions and I went through with it. Because they didnt have the item I had wanted on the website. I had Sent him a {$150.00} he then told me my money was not going through. An ask me did I just make my XXXX XXXX. I told him yes. So he canceled the payment and told me try again this time send the whole amount in Increments. So I did that after I sent the {$150.00} again I sent {$130.00} and {$300.00} and another {$300.00}. Not knowing he was scam artist and he fraud designer not the real 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 2022-02-25
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX is reporting that I lived at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived at the is address I have lived at XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX They are reporting a fraudulent account that does not belong to me and I want it deleted immediately.

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 2015-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX XXXX, 2015 I applied online for a Kohl 's Charge card and was accepted. I provided complete and truthful information and was approved. I have used the card for purchases and paid in accordance with the terms of the card. In fact, I have paid more than the minimum amount due and owing. 
On XXXX XXXX, XXXX Kohl 's sent a letter canceling the card, issued by Capital One, claiming they " observed activity ... not consistent with our expectations.. '' They have REFUSED to disclose the basis for the decision. I believe the basis is DISCRIMINATORY in nature and not supported by any facts or circumstances. I believe their decision violates the law and my rights as a consumer. CAPITAL ONE has been the subject of a prior complaint for issuing me a card through a different vendor and doing exactly the same thing although I adhered to the terms of my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I put a " stop payment '' on a check for my Wells Fargo bank account on XX/XX/XXXXXXXX XXXX last year. The representative that I spoke to on the phone said that " the check would not be cashed. '' On XX/XX/XXXX, the check was passed through and cashed by Wells Fargo bank.I had an overdraft of {$500.00} to my account, and when I called the bank 's claim line, they filed and denied my claim. The account overdraft amount caused me to pay it off and change banking institutions. I do not believe that they practice fair bank practices.

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 2015-04-30
Company: Santander Consumer USA Holdings Inc.
State: MN
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I disputed the debt ( auto loan ) and sent a debt validation letter XXXX different times to Chrysler Capital, they did not respond to either request with any proof, instead they closed the account and / or wrote the debt off XX/XX/XXXX. XX/XX/XXXX I woke up to find my automobile missing from my families drive way. I called the police to report it missing and they informed me that it had been repossessed. I told the officer i spoke with that it should n't have been repo 'd and wanted to report it as stolen. He then said that he would contact the company and find out what was going on and call me back. He called me back with a number for a company called XXXX XXXX XXXX out of XXXX. I called this place and they said I had to pay them money before they would release my automobile to me, I then stated that they were n't the original creditor, and that the original creditor closed the account and the debt was written off in XX/XX/XXXX, and they stole my automobile. I then asked them to provide me with a contract or documents stating that I owed them money, the guy said they did n't have to provide me with any contract or documentation and that I would have to call the original creditor. So I called Chrysler Capital and was XXXX told they could n't find the account, I then requested a manager who stated that I still owed the debt even if it was written off and the account was closed that 's why my automobile was taken. I then informed them that I would be contacting other people about this because nobody had any right to take my automobile. At this point I had no knowledge who took it or where it was taken. XX/XX/XXXX am. I called the non-emergency sheriff 's number and asked how I go about making an official theft complaint, the dispatcher took my number and said she would have an officer call me. I got the call and it came from the same officer I had spoken to the day before. He said that he could not make a theft report because it was n't stolen that the bank wanted their car back so it was repossessed. I told him it was taken by a XXXX party debt collector illegally, and asked him if he knew who took it and where they took it. He stated that he did n't know. I requested the Police Report and picked it up later in the day, and found out that a company named XXXX XXXX out of XXXX actually took my automobile at the direction of XXXX XXXX XXXX who stated that Chrysler Financial gave the repo order. even though the debt was written off and the account was closed. XXXX XXXX XXXX refused to release my automobile until I pay them money. I do not have any contract with XXXX XXXX XXXX or XXXX XXXX and I do not owe either of them any money.

Company response to consumer: Closed with explanation