BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am the victim of fraud. someone hacked my accounts and made purchases and bogus payments to it. resulting in capitol one closing my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Copy of letter to the company : Dear Sir or Madam : This letter is a formal dispute for a charge on my account for the amount of {$2200.00}. I received your letter dated XX/XX/XXXX regarding my dispute to the finance charges added to my account. My letter dated XX/XX/XXXX and XX/XX/XXXX confirms your conclusion from the investigation. 
However, I still feel that this charge should not be made to me because I paid off the balance for the 12 month interest free payment special related to the XXXX  XXXX. Please consider my payment history in regards to my dispute. 
I made a payment of {$6000.00} on XXXX which left a balance {$71.00}. I made another payment of {$270.00} on XX/XX/XXXX that resulted in credit balance of {$200.00}. I was issued a refund that amount. Even though the interest free special expired on XXXX, I made an effort to pay off the balance within a year. I made my payments on time for the past 12 months. I feel that I should not be charge interest just for {$71.00}. 
In addition, due to my financial hardship as a result of COVID-19 virus, I will not be able to pay the interest charges. 
Again, I would like to request that interest charges of {$2200.00} be removed and the remediation of any negative credit reporting. 

If there are any related charges, they should be removed too. I would like to receive an accurate copy of my credit card statement when this item is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My  XXXX   XXXX  Account that was  " In Good St anding '' on my credit report has been deleted or blocked from my report and my report no longer generates a score because of no credit history. The account should NOT have been removed.    XXXX   XXXX  Credit Card Account #  XXXX  ... Date Opened :  XXXX   XXXX  First Reported :  XXXX   XXXX  Credit Limit : {$7700.00} Payment History : starting  XXXX   XXXX  - current I have contacted  XXXX   XXXX  customer service dept. and also th e Fraud Dept. an d both departments informed me that they have not stopped or requested removal of my account reporting and that my account is currently scheduled to report currently. A letter confirming that reporting is in effect has been sent by  XXXX   XXXX  to all  XXXX  bureaus to prove this fact.   I recently filed an Identity Theft report that included  XXXX  unrelated  XXXX   XXXX  accounts and I feel that there is a possibility that the wrong account " In Good Standing '' was blocked by mistake, because the fi rst 4  digits are the same "  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 2017-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
In response to my first complaint, I am attaching an e-mail that I received from a representative of Capital One. Apparently this was just a joke. I have called 4 times, was put on hold for about 20 minutes, and the " foreigner '' I spoke to ( I could not properly understand him ) said this lady was not available. I guess the joke ( more deception ) is on me, right? Attached is the e-mail for your review : XX/XX/2017 Capital One Case : XXXX Dear XXXX XXXX, I 'm reaching out to you about your concerns. I would like to try to help you with this. 

Please give me a call at the phone number below at your earliest convenience. 

I am available from XXXX.-XXXX PT, Monday-Friday at XXXX. When contacting me, please use XXXX as the XXXX-digit PIN when prompted. My XXXX-digit extension is XXXX. I 'm glad to help any way I can. 

Sincerely, XXXX XXXX, on behalf of Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Still reporting a judgement docket # : XXXX from 2008 on my credit report that is seven years old.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Inaccurate address, name, phone number and job employment.

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 2020-03-31
Company: EQUIFAX, INC.
State: AR
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:
My daughter just turned XXXX and I wanted to get her a new car since she is going off to college. As I went into the dealership and I picked out the car I wanted for her I had to get my credit pulled and there was things I was not familiar with. None of these things listed on my report belong to me. Could you please remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report. These items belong to me.

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 2015-10-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
Wells Fargo put a furniture company in charge of representing their services, which were misrepresented, I filed a complaint regarding this account and I was immediately contacted the next day to appear compliant, I was told that someone would contact me within 5 business days and gave me his information. He never called and I have left XXXX ignored messages for him.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-31
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I just received a collection notice in the mail on XXXX regarding a service that was done in XXXX by a XXXX office. The last bill that had been sent to me was in XXXX from the collection agency in which I believed I took care of. I had not received any bills post XXXX until XXXX of XXXX which is 10+ years later. They also stated that they had recently sent be 2 e-mails regarding this bill and after looking through all aspects of -email, including the spam and trash mailboxes, it did not show any e-mails from this company. 

The company that sent the collection bill 10 years or more after the service is Convergent Outsourcing Inc and the bill was regarding was XXXX XXXX XXXX XXXX XXXX in which they have no regard of me being there since back in XXXX as medical offices usually shred patient chart information around 7-10 years since date of service. Convergent Acct number is XXXX and the original account number is 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 2015-06-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a {$1900.00} check and was told it would clear by Tuesday. I was unsure whether or not the check would clear so I went to the Wells Fargo branch and specifically asked if that check had cleared the account and was cashed into mine. Wells Fargo confirmed that the money was not just available, but the check had been processed and went through. Confirming that it was not a bad check, or so I thought. Based off of this information I took out {$1200.00}. The next day I receive a notice that the check did not go through! The {$1200.00} was non-refundable so I am now out {$1200.00}. I called Wells Fargo and asked that they make amends for their error and credit my account but they refused. So now I am turning to the CFPB to see if I can get my {$1200.00} back because I would not have taken the money out unless Wells Fargo told me definitively that the {$1900.00} check cleared the senders account and was now in my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
For the past two weeks I have received repeated emails from Capital One informing me that access to my " on line is locked for too may attempts to log in ''. I have called Capitol One, and have spent far too long on the phone to communicate/explain that I do not use my account for on line payments or for banking. I have asked for my account to be closed, which, at this point the agent panics, and forwards my call to a fraud management process that makes it impossible to get an answer on where, whom, and how someone was trying to access my account. The agents insist repeatedly that it is me trying to login in with the wrong password, and I repeat over and over again to the several customer reps that I have NOT tried to log in! It is a vicious circle that leaves me feeling helpless, and unable to have control of the security of my finances. 

( 1 ) The XXXX notice was received on XX/XX/XXXX notifying me that my on line access to Capital One 360 Banking account was locked for too may attempts to log in. I do not have such an account!, nor did I try to log in! I contacted them on XXXX/XXXX/XXXX to ask what was going on, and after XXXX hour on the phone they said it was a mistake! It is clear that someone was trying tool in to an account in my name, and they Capital One has no idea how to deal with the situation! 

( 2 ) The XXXX notice on XX/XX/XXXX informed me that my credit card account was locked for too may attempts to login on line. I was on vacation, did not try to access my account on line ( never do ). Called on ( XXXX ) to try to fix the situation, and was sent into another endless parade of customer service agents whom have no idea of what they are doing or what they are taking about. 

Seeking CFPB 's assistance in making Captiol One fix what is wrong, and find a better way to communicate with customers ... ... especially using agents that are american, and are not reading from a prepared script. 

I plan to close the account, but still want answers form the head of Capital One as to what was happening with my account. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Today, XX/XX/2016, I was notified that Capital One received a report of possible fraudulent activity on my account. I requested the source of that information and was told that such information was not available to the person who assisted me, XXXX, a Fraud Department Supervisor. I was told that my current credit card is being replaced even though I have paid my account balance in full for the past 4 months, or the duration of having the Capital One Platinum credit card. the actions of the company seem to me arbitrary since the company is unable to provide the source of the compromise. I believe that there is possibly no justifiable reason for the action of re-sending me a credit card due to the fact that the company is unwilling to disclose the source of the information stating that my information has been compromised. I am unaware of the rationale for the actions conducted by the company and would like full disclosure for the reason for why my account may have been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On XXXX/XXXX/16 I filed a complaint with this office concerning the violations of Transunion on my credit report. I also filed a complaint with the XXXX XXXX XXXX XXXX. I looked on XXXX a few mins ago and now my credit score is XXXX. A XXXX point drop from yesterday. Plz I am asking for some help. They continue to leave stuff on my report and penalize me for their mistakes. I am about to lose my house, be sued, and all because the wo n't follow the law and do what they are supposed to do. I have XXXX XXXX XXXX and I do not need this stress

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 2020-03-31
Company: EQUIFAX, INC.
State: AR
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:
My identity has been stolen. While I was trying to purchase my first home through a first time homeowners program I was told when they pulled my credit that there was no way I could become a homeowner with all the derogatory items on my account. The accounts showing on my report do not belong to me. They are fraudulent accounts please remove them from my report. 

XXXX XXXX XXXX {$2600.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$790.00} XXXX  XXXX {$14000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree Servicing LLCXXXX XXXX XXXX XXXX, XXXXXX/XX/2015XXXX XXXX XXXX XXXX XXXX, XXXX XXXXRe Acct. XXXXTo whom it may concern, By law a mortgage company is required to send monthly statements to its customers. I have not received a statement from your company since XXXX of 2015. I have filed no bankruptcy, nor have I changed addresses. I have called two different times requesting statements to be sent out and all I receive is hostile treatment by your people. I continue to receive all other forms of communications from your company, so please, immediately send me a billing statement so I can bring my account current. 


Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Sallie Mae did not send my XXXX statement. They sent a letter stating that i paid {$3900.00} and {$11000.00} in eligible interest but the letter was to my co-signer and it says that the borrower has to obtain a copy of the XXXX but I the borrower was not able to log in to the website to print it because i am no longer a customer and she stated that i did not pay any interest off and that the loan was simply paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Innovis
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 


XXXX XXXX XXXX XXXX {$530.00} XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed 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 non-monetary relief
Consumer complaint received 2016-02-09
Company: Ashton & Weinberg, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This is an update with additional information in reference to a case I already have open with CFPB. It 's [ Case number : XXXX ] Around XXXX on XXXX XXXX 2016 Clay from Ashton & Weinberg called my dad & asked him if I was his daughter or daughter in law. After my dad told him I was his daughter. He proceeded to ask my dad if I am on his mortgage. My dad stated he is not going to talk about this information with him. He told my dad this is in reference to a civil suit. My dad said my daughter had already spoke with me & said what you are doing is illegal. XXXX offered his number to my dad but my dad was driving & declined. He called my dad again two more times on XXXX seperate occassions. He left a voice mail with my information along with his name & number for me to call him on my dads voicemail. The second time my dad answered again he was questioning about me & asked if I planned on settling this issue. First off they should n't be calling my dad let alot asking him questions regrading it. This is harassment & needs to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My identity has been stolen. While I was trying to purchase my first home through a first time homeowners program I was told when they pulled my credit that there was no way I could become a homeowner with all the derogatory items on my account. The accounts showing on my report do not belong to me. They are fraudulent accounts please remove them from my report. 

XXXX XXXX XXXX {$2600.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$790.00} XXXX  XXXX {$14000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2016-11-04
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Fact that Wells Fargo Bank thousands of Borrower denials for Mortgage Loan Modifications on otherwise eligible Borrowers is with clear documentation. Class Action Suits are pending. Wells Fargo denial in my case, was because they claimed my income was from Social Security only, ignoring the self-employment that qualified me for the XXXX in the first place. After denial of an Appeal, Wells Fargo Claims, due to a different address on my Tax Returns and fact I live and work out of the XXXX, with utility Bills paid by others, I had no proof I lived in the Home. Final denial was because I resided in the XXXX using it as XXXX, and made transfer property into " Charitable Trust '' thus, I did not pay property Tax, Wells Fargo said Balance on the Loan would be do because I sold the House, which again they were in error, as I retain ownership when XXXX is in that " Charitable Revocable Trust. ". As an ex-employee of Wells Fargo I 'm aware that any government insured loan, this Bank forces recourse option with any loan in default to collect from the government, lies about possibility of approval of a modification, using the Scammer Tactic, I.e., claiming " from initial information on your application '' wait for an underwriter approval prior to making further payments as your modification will be approved, while at the same time processing the XXXX for foreclosure to collect from the government.

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