BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-07-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This complaint is about my Wells Fargo credit card ending in XXXX. I made the full payment for {$3200.00} on XX/XX/XXXX for the XXXX statement of this card, but the payment wasn't processed until XX/XX/XXXX after contacting Wells Fargo customer service several times. The payment was initiated on the Wells Fargo website using ACH pull from my checking account from another bank, which was the account that I always used in previous months. The Wells Fargo 's website shows that this payment was received on XX/XX/XXXX, and on my bank 's website it is showing the fund left my checking account on XX/XX/XXXX. It appears that this payment wasn't processed by Wells Fargo for nearly XXXX weeks. I'd like to remark that the XXXX statement was due on XX/XX/XXXX, and I made the payment more than two weeks before the due date. This delay in processing payment caused some trouble in making subsequent recurring purchase in XXXX, and for which I was then charged for a non-sufficient fund fee.

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 monetary relief
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I sent my letter off on XX/XX/2022 to " Investigate every piece of information '' on the accounts I have listed below. Also I have attached the CFPB complaint I sent out and here is the Tracking # XXXX According to the FRCA " The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts still not reporting 100 % Accurate. And According to the FRCA 15 USC 1681 Everything has to be 100 % Accurate. Also I have my credit report showing these inaccuracies. 

List of Accounts : Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX If you look at All my credit report from TransUnion, XXXX, and XXXX The " XXXX XXXX XXXX is reporting Account type : Open on TransUnion and XXXX but on XXXX it shows " Debt Buyer '' on there so how is this 100 % accurate? 

Look at " XXXX XXXX  XXXX '' as another evidence of inaccuracies. It shows " Balance updated XX/XX/2022 '' on Transunion but On XXXX it shows " Balance updated XX/XX/2022 '' also " Terms 1 Month '' and " Past Due Balance {$2200.00} ''. Which is NOT REPORTED on my TransUnion report. So How is this Verified? 

Also Look at XXXX XXXX XXXX More inaccuracies it shows On TransUnion Account # XXXX, On XXXX Account # XXXX. THIS IS A BIG INNACURACY FROM MY PROOF AND EVIDENCE Shown this a Violation of my FRCA USC 1681 ( e ).

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 2019-03-09
Company: Experian Information Solutions Inc.
State: OH
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:
I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX. 
My DOB XXXX SS # XXXX. I need to update my employer XXXX XXXX IS MY CURRENT AND ONLY JOB. PLEASE DELETE THESE EMPLOYERS NOT MINES : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX OPERATOR, XXXX XXXX XXXX. 
I had some issues with my ID being compromised and I need to file a complaint to have these addresses deleted : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX. 
My DOB XXXX SS # XXXX. I need to update my employer XXXX XXXX IS MY CURRENT AND ONLY JOB. PLEASE DELETE THESE EMPLOYERS NOT MINES : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX. 
I had some issues with my ID being compromised and I need to file a complaint to have these addresses deleted : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX WAY, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2020-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The company never informed me that the account wouls be closed. I just received a new credit card for the 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 2022-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XXXX XXXX I noticed a charge on my bank account for Kohl 's in the amount of {$50.00}. I assumed it was fraud because I have not bought anything at Kohl 's on credit for many years. I got a credit card from them in XXXX and added them to my bill paying service at my credit union. I haven't used the card since the first time and always paid in cash for any later purchases. 
I called my credit union and thought I was reporting fraud when they told me that I had sent the {$50.00} through their bill pay service. They said there was no way to stop payment because it was sent digitally the same day, XX/XX/XXXX. Two different bank representatives said they talked with supervisors and one contacted the company that does that service for them. I would have to deal with Kohl 's directly. On XX/XX/XXXX I called Kohl 's and on the automatic system I was asked to input my social security number. I did this five different times and then the message said I would be transferred to an agent. It seemed clear that their system did not recognize my SS number. 
The agent asked for my account number. I told her that I didn't know the number, that the bank for security reasons only had the last 4 numbers on their bill-pay webpage. 
Then she asked for my phone number. I told her that I didn't think they would have my phone number because I got the account 8 years ago. But I gave her my mobile number and also my land line which I haven't had for several years. She asked for my email. I gave it to her and it turned out that their records had no phone number nor email listed for me. So I don't think they recorded those things when I got the card. It was one of those deals where I buy something and they say, If you sign up for a credit card, you get 20 % off today 's purchases. I probably used the card then and entered it into my list of payees on my bill-pay service of the bank 's website. At any rate, the agent said she could not help me if I didn't have my account number. 
The same XX/XX/XXXX I called an hour or so later, after talking again with the bank. The Kohl 's agent basically told me the same thing. Can't help me. 
On XX/XX/XXXX I intended to send a deposit for {$50.00} to a farm for purchase of a pig. The company is XXXX XXXX. Kohl 's is listed right after the Farm on the webpage. I inadvertently sent {$50.00} to the wrong company. 
On XX/XX/XXXX I got the idea to send for my credit report and found the account number for Kohl 's. I called again with the number and the agent said he found my account but nothing more. I tried to find out from him if Kohl 's does their billing inhouse or contracts out with someone. The answer I got was that payments on accounts go to Capitol One bank. They did not have any contact to give me for that bank. 
So I am appealing to you for assistance. My Kohl 's account # was : ( the account was closed ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
On XXXX XXXX, 2015, I received an adverse credit letter from XXXX. They stated their decision was based on information received from XXXX credit reporting agencies, XXXX and IDA , Inc . The information was inaccurate. On XXXX XXXX, 2015, I requested my credit reports and credit scores from XXXX and SageStream ( formerly IDA ). I promptly received my Credit Report and Score from XXXX ; XXXX ; XXXX. The credit report from XXXX revealed no adverse information. 

Instead of sending my Credit Report and Score, SageStream sent me a letter requesting identify information as well as XXXX verification documents. This was done along with my second request for my Credit Report and Score on XX/XX/2015. To date I have not received a response from SageStream and I am continually being assessed the XXXX monthly bad credit fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23
Company: Affirm Holdings, Inc
State: FL
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:
In XX/XX/2021 I ordered furniture from XXXX XXXX XXXX. I uses Affirm to pay for the transaction. 

Time went by and no goods were received by me from XXXX XXXX XXXX. I received a call from Affirm where I explained that XXXX XXXX XXXX had no delivered the furniture. I said that it was not set to be delivered until XXXX of XXXX. I would then be happy to make a payment to them. 

I explained to them they were in violation of The Fair Credit Billing Act. They have refused to comply and have stated that they don't have to. 

They have reported this late to the credit Bureau, threatened to add late fees and terminate relationships with me because of this. I am not breaking the law they are. 

XXXX XXXX XXXX said they experienced delays as did other companies. Affirm should have waited for delivery or to say the least modified the payment schedule based on when the goods arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
They said they couldnt help me. I am unable to access over {$3000.00} that I need to pay for rent and bills for over three months now. I contacted XXXX and they say to contact Bank of America. I contact BOA and no one know anything. Its money sitting on the car, that I dont have access too.

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: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been a excellent customer with Capital one for 2 years now and I have always made my payments on time. Back in XX/XX/2021, I had to make an emergency travel to my country so I went online and setup my account on auto-pay so my monthly payments could be deducted from my checking account automatically while I was out of the country. I received confirmation from the system that I was set for Auto-pay. So I left the US thinking I would not have any issue. When I came back this month, I found out after login in my account that the auto pay didn't work and the monthly payment was not deducted. So Now my account has been late and reported to the credit bureaus. I just lost 100 points just for that. I'm in the process of buying a house and I just got denied by my bank because of the impact of that late report on my credit. 

I called Capital one multiples times and the agents I spoke with told me they were going to potentially remove it but will call me back to confirm. Haven't heard from anyone since then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. BK OF AMER 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem getting your free annual credit report

Complaint:
Transunion is nothing but an ecommerce site that constantly tries to force you to purchase their monitoring or other services instead of allowing you access to your credit file. Every time I try and login, i'm redirected to the ecommerce site to purchase a monthly service from this. When i called support, they told me they were resetting my password, and then did not send me the password reset emails. I've been going around and around for 4 hours. If Transunion is going to be nothing more than a seller of credit services, they should not be allowed to be a credit reporting bureau. They are monetizing services that should be made available to the public and causing great harm to consumers by refusing to allow consumers to access their credit profile.

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 2015-09-29
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was forclosed upon on XXXX XXXX, XXXX, so this is not a current loan situation. I did n't know about your bureau during the time I was trying to work with my mortgage servicer. Beginning in XXXX I applied several times for a loan modification with my then mortgage servicer, IndyMac. I was turned down XXXX to XXXX times. I lost {$1400.00}. a month income in XXXX and had not been able to get a job plus was unable to work a full time job and at times a job at all due to being XXXX. I had not gone through the state XXXX process since I was still collected spousal support. I was trying to better my life, so that I could work at something and get more income to support the house I bought in XXXX. I know now that I was maneuvered into bad loans and that I was qualified to buy a home that I really did n't have the income to support. The person who brokered my loan did not work in good faith with me and in fact took advantage of the then laws or may have broken some to get me into my home and collect allot of money for doing so. At the end of XXXX, my loan was sold to Ocwen Loan Services and I began applying for modification help with them. I was never approved with a final reason being " they do n't give modifications ''. Finally I hired Real Estate professionals to help me get approval for a short sale, which originally this Company said I qualified for. After several Real Estate pro 's and XXXX well qualified buyers the Ocwenb Company tuned down my application for doing a short sale or a sale in general. I lost the buyers ofcourse. During the XXXX, XXXX and XXXX of XXXX, the value of my home had climbed and I could have gotten at least approximately {$50000.00}. 
from a sale of my home. Instead my home went into foreclourser and left my possession on XXXX. 

It cost me about $ XXXX to buy the home. I put approximately {$55000.00}. in upgrades in as well as paid some money on principle and mostly interest only. I am XXXX and this is a huge gouge into my future ability to live. I may have been duped on buying this home and ultimately I made the decision on the loans, but I was taken advantage of. Then a mortgage crisis comes along and finished me off as it did on so many people who did nothing wrong and lost homes, jobs, investments at older ages. 

This whole situation is a travesty and I believe the mortgagees, owners of our loans should have had to make each and every home loan situation work because they, and their whole industry caused the problem we suffered for. I would like help in re-cupping money lost, at least what I would have gotten in selling the house, myself, in XXXX. I think that is the most fair outcome of this horrible event.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I send a validation letter to the credit bureau in XX/XX/2019 requesting that the below account be validated : XXXX XXXX account # XXXX {$680.00} I notified the credit bureau of this account inconsistencies and have the opportunity for the bureau to correctly validate this account. The credit bureau has failed to provide proper proof of account validation within the legal time frame allowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: Block, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Cash app refuses to release money I put on the card to.purchase a car. I have provided the info requsted.and they still Won't respond with anything more then an automated reply. Please help me its all the money I have and I was waiting for tax season so that I can solve my transportation issue and get to.work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage company ( Ocwen ), after charging us an undisclosed fee ( without ANY written notification ) has emailed us a notice that they are moving forward with foreclosure procedure. This is despite the fact that we are current on our mortgage. In our 13 years with this mortgage we have never even been late on a payment. Even their phantom fee which they have charged us ( again, only verbally over the phone ) was not a full month behind their schedule when they sent us the letter. 

We reported some of their fraudulent activity in a past case ( XXXX ). However, their attempt to resolve the issue has taken a dramatic setback when their fraudulent activity and inability to deal with it in a timely manner is now going to cost my family a negative mark on our credit score and potentially the ability to purchase a house that we were hoping to offer on today. 

The primary reason for my suspicion that it will not be dealt with is their reputation. There have been XXXX of homes foreclosed on illegally over the past few years. As always, it has been very difficult to get anyone from the company to talk with you. I finally have the number of someone who can actually make a decision, but am now having trouble getting a hold of him.

Company response to consumer: Closed with explanation