BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I contacted a loan specialist in regards to our credit report to begin the process of owning a home again after a foreclosure. When he looked into our credit he told us that there is a judgement against us. We were not aware of this so I contacted the clerk of courts. They said that there is a judgement and if I understand this correctly they said the judgement went into a lien. They gave me information on the case so I contacted the law firm that is involved and asked them about it. I tracked down the original creditor because the law firm does not do settlements and the original creditor sold the account to Capital One. I contacted Capital One and they told me the amount of the judgement is around {$6000.00}. The amount that we actually accumulated on this card was a little over {$1000.00} and this is an old debt. I asked them why the amount we owed is so much. They said late fees, interest and court costs have accumulated but they would accept {$4400.00} so the lien can be lifted. This credit card was one that was being negotiated by a debt settlement company that we were working with that turned out to be a scam. Before this credit card debt could be taken care of, the debt settlement company collected their fee from us then disappeared. The law firm claims that all the information they got from this creditor was being sent to the debt settlement company which no longer existed. My question is, why did n't they then get in touch with us before the amount on this account got to be what it is??? This debt is many years old. I told them that I could not send the entire amount of {$4400.00} but that I would send it in three payments of {$1400.00}. I am working with a credit counseling agency right now and this does n't sound right to them either and finds it suspicious that a credit card debt would go into a lien. I already sent the first payment but I am now wondering if I should send the remaining two payments just in case this account can be settled for the amount of the first payment I sent of {$1400.00}. Can I get someone to help me with this issue? This account is not on our credit report from what I can see and I 'm not sure how the loan specialist came across it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I was scammed out of {$3100.00} through XXXX. The scammer text me, and then called me from a " Wells Fargo '' number, and pretended to be a Wells Fargo bank representative, and scammed me out of my money by getting me to transfer money to them. I immediately reported it to Wells Fargo, who investigated, confirmed the scam, but refused to return my money to me. They stated that the transfers were authorized by me, and closed my claim. I researched EFT Act and found Regulation E. I called back and mentioned Reg. E to them, but they still refused to return my money, claiming that my situation is not considered an unauthorized transfer and doesn't fall under Reg. E. According to the Consumer Financial Protection Bureau , my case meets the Reg E. definition of unauthorized transfers. Wells Fargo has continued to deny this, has given me the run-a-round about my claim, and has continued to refuse to return my money. By law, I'm supposed to get my money back, but they are refusing to return it. Please help 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 monetary relief
Consumer complaint received 2022-04-22
Company: BROKER SOLUTIONS, INC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested a modification on my mortgage in XX/XX/2022 when I came out of the Cares act forebearance. The mortgage company approved me for a modification both in XXXX again a second time in XXXX and another time in XXXX. Yet the company never sent me the papers to sign and return.Even after repeated calls to them to send. Finally in XXXX they sent me the modification papers.However because of there failure to process my case on the earlier attempts my modification payment went up by XXXX dollars and my interest rate by 1 and 3 quarters per cent.If they check there notes on my account they will see this is all true.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am unable to receive my Credit Report from the XXXX XXXX that a Government site recommended. I Just Tried Equifax again and this page popped up afterwards. https : //fact.econsumer.equifax.com/fact/verifyAuthentication.ehtml ... I tried to get a loan recently from my bank to buy a car, and I was declined. I just want to find out who I owe money to so I can pay it off and get a car with heating and air conditioning to take me to work. I wish it was n't so difficult. I made some bad decisions when I was younger thinking I could afford things I could not or hospital bills. My boyfriend is great with his finances and I do n't think he would want to marry a girl who could n't even get a credit report, let alone a loan. Sorry. Could you help? Thanks. Equifax , XXXX, and the other one are not recognizing me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX has violated my rights, XXXX XXXX XXXX  # XXXX, XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wellsfargo withdrew my kids income tax return without my authorization to-pay a credit card on collections.

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 2015-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
this is not a complaint as much as it is feedback overall i like capital one. they have helped me i need my case and needs individually analyzed and carefully analyzed. 
i need some extra time to pay my credit card bill and if possible any extra points to help me with balance. in addition to over a XXXX in medical debt currently in litigation for provider to pay i lost my AC and my fridge this summer. i only use your cards due to the excellent cusomter service. 
i am also needing more time to pay no interest please. some of those expenses are from months ago. please they were essential. my birthday is coming up and i would appreciate it. 
please consider helping me i use your cards when i have to and responsibily due to exemplary XXXX. i also had written about a business account and needs i have but to my disappointment just got a script back

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had a judgment on my credit report with XXXX XXXX which was paid off in 2014 through a garnishment on my husbands paycheck. Having this on my credit reports is preventing me from obtaining a mortgage and moving on with my life. Also none of the amounts of the judgments on any of XXXX reporting agencies is the same! I want it removed from all XXXX reports please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions 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:
XXXX Bank account # XXXX has been disputed previously with the bureaus due to fraudulent account. XXXX has removed account however Experian and XXXX have not. This is hurting my credit rating. I am a victim of 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 2016-04-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
equifax is refusing to produce the proof of dispute verification. they continually stall and will not produce it for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Revenue Assistance Corporation dba Revenue Group
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from REVENUE GROUP I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against REVENUE GROUP in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Kikoff Inc.
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had been making payments for over a year using the same bank account. I logged in one day to find my bank account had been taken off right before a payment was due and I could not make the payment. I can not readd the bank account to pay. Emails went unanswered. I now have a late payment on my account and credit report.

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 2015-11-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Forward to Equifax proof that original Debt from XXXX XXXX ; account was bought by XXXX XXXX XXXX. Equifax continually states that the debt is not in my Chapter XXXX bankruptcy documentation. Equifax clearly does not understand according to fair documentation of debt, if the debt is listed is chapter bankruptcy whether original Debt collector XXXX XXXX or the the new debt collector Holder XXXX XXXX XXXX, they must acknowledge that debt on my credit file as debt included in chapter XXXX bankruptcy. They have it listed under open and current debt never paid. They refuse to change or remove form open debt section, and list under closed account included in XXXX. I have repeated cases and documentation to show that I have forwarded a whole case file with my entire chapter XXXX BK, and they see the debtor listed, and refuse to update my credit profile as such. This is my 9 attempt through their website of legally trying to get my credit file current, and according to fair credit reporting agency. One of the biggest issue is wen you call you get an XXXX personnel states they can not understand what you say, or not abreast with current credit monitoring laws. It was stated to me, I due not have any legal right under fair credit reporting for updating these errors. I was even told regardless of my bankruptcy papers documented and clearly state the amount, date bankruptcy went into filing, and action they told me by phone it would not be fixed. Then I was told by Equifax personnel again a XXXX Rep, they did n't have documentation to confirm that I even had a bankruptcy. I forwarded three times by certified letter, and yet again they refuse to acknowledge and legally update to current BK information. Also they still refuse to remove the closed state lien off my file, especially when the state indicated in documentation that the state lien should not have never existed, cause I did n't have a lien in the first place. In clear heading at the bottom of the State Government affirmed documentation it states '' can not be listed on any credit agency website. '' Yet they refuse to acknowledge that saying documentation does not show that they can not list on web, indicated my personnel on phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I sent a payment to Capital one and it was applied to the wrong credit card number. This left XXXX credit card with a credit balance and another with no payment made. Capital One is telling me that they ca n't apply the original payment to the correct card number or move the large credit balance left on the incorrect card without holding the funds and my credit up for at least 48 hours. They have had the funds for 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Delinquent account

Complaint:
I have had capital one now for a couple yes and I really like them, but when you run into tough times they do not help you at all. I was in school and working at the time I acquired my capital one credit cards. I lost my job and had to start paying back my student loans, and so my credit card bill went past 120 days cause I just could n't get the money to pay anything. I finally payed both my cards off I full and they told me my account was restricted and they could unrestrict it for me but I had to wait a couple days, ok fine. I fell into harder times this time around and they went again another 120 days past due, but I thank God I found a stable good job and I made my minimum payments to keep my account from going into collectionsome, so I two days ago payed them both completely off and now they are telling me my account is restricted and they ca n't do anything about it and I will have to reapply again. 1. That does not make any sense because why would I really want to read run my credit again and if I do n't get accepted and then what and it hits my score. 2. Why would they even restrict my account without notice and without my consent, I am still paying my money to them, and I do want to stay with capital one, but I called and they told me there is nothing they can do on reopening my accounts because they went pass due. I just do n't understand why they do this to you and make it harder on me now and I payed it in full hoping I can reopen my account. This is crazy, time consuming, and stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In accordance with the fair credit reporting act credit bureau has violated my rights 15USC1681 section 602 A states I have right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account with out my written instructions

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 2021-09-06
Company: EQUIFAX, INC.
State: AL
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Violated hippa laws I didnt authorize original company to sell my medical dept to another company I didnt not authorize another company to view my medical debt that violates hippa

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2016-07-21
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Several items I have only seen a few because I was denied online view. Credit cards I have never had and other debts that make no sense biking amounts. I 've car loan not mine my car was given to me by my mother it was 1993 since last cart loan. I had lost many ss card birth certificate and dl card after my motor home was towed and sold while I relocated to another state. Please he 'll this is scaring me. This is the only information I hand from the XXXX credit company s

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: FL
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:
CFPB + Equifax, The companies below have many inaccuracies on my Equifax credit report - I have submitted variations of these before - you have not accurately investigated and resolved these. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Twice ) Attached to this complaint are : - My drivers license - My social security card - My mailing address - My dispute letter You legally are not allowed to leave these inaccuracies on my credit report and do nothing about them. 

I am looking to have these credit accounts removed from my Equifax credit report for many blatant inaccuracies they refuse to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: IA
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-09-07
Company: AES/PHEAA
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with non-monetary relief