BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I insist that the company expeditiously eliminate the unauthorized inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
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: Investigation took more than 30 days

Complaint:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: U.S. BANCORP
State: AR
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I was refused service to refinance a personal loan by USBANK during a recent telephone call without reason on XX/XX/XXXX. The representative took my demographic information and asked for the last four of my social security and made me verify my loan number as well, after reviewing my loan information the representative asked me what are my credit scores? to go over current refi rates, after a few moments i was asked to go to a branch to submit a application, am i not allowed to apply over the phone the representative stated that i was not allowed. 

USBANK is in clear violation of 15 usc 1691 ( a ) ( 1 ) ( 2 ) The Arkansas Civil Rights Act of 1993 16-123-107 - Discrimination ( 4 )

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 2021-02-17
Company: WELLS FARGO & COMPANY
State: IL
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:
Beginning XX/XX/XXXX I tried to buy another home for renovation purposes. My loan officer informed me I had a missed payment from Wells Fargo in the amount of {$3400.00}. This was an accumulation of missed payments from earlier years in which I had a hardship and remodified the loan. The mortgage was now current. I received the necessary documents from Wells Fargo reflecting the loan was current and thought I rectified this issue with them and XXXX. As only XXXX  is the only credit bureau reflecting such a negative impact due to this. I attempted to buy another house for renovation in XX/XX/XXXX ; again my loan officer informs me that I have missed payments from Wells Fargo. This can not be as I am on automatic bill payment. Wells Fargo did provide me with documents on multiple occasions to submit to XXXX  ; however XXXX  told me they can only report what is reported to them. It is possible that Wells Fargo is erroneously reporting to XXXX. As I followed up with Wells Fargo and I was informed that they should not have been reporting at all due to a bankruptcy filed by co-borrower. However co-borrower " Quit Claimed '' themself from deed. Wells Fargo at that time informed me they would start reporting my on time payments. However after my last few conversations with them, they have sent me correspondence saying that they will not report anything on my credit report. Review of my credit report reveals they have removed my good payment reporting, and have left the negative report from XXXX. Since I started dispute with XXXX  and XXXXells Fargon in XX/XX/XXXX, my XXXX XXXX has dropped on XXXX  alone by XXXX points. This is an egregious disservice and wrong to me, and is severely impacting my life. Wells Fargo nor XXXX  wants to help solve the problem and continuously shifts the blame, while leaving me as the consumer negatively affected. I need help, as credit is a resource that has a huge impact on one 's financial outcome.

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 2019-11-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed the dates they claim the account were opened that are on my credit file and have submitted proof from there own website that shows the correct open dates and I just need them to correct the information on my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Gordon, Aylworth & Tami, P.C.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2019, I returned by mail with receipt the written interrogatories that the company sent me. Included in that was my sworn statement that I was NOT employed and that I was receiving Social Security XXXX 

On XX/XX/2019, I received a notice of garnishment from the attorney that is the subject of this dispute. I called and talked to XXXX and then to XXXX, explaining that I had not worked for the company listed for almost a decade and that the ownership had changed. XXXX told me that he had information that I was currently employed by the company. I said I would like a copy of that information as I had just made a sworn statement that I was not employed. I asked if they intended to take me to court for perjury since they claimed to have proof that I was employed and XXXX said No. 

I live in a small town and I don't think that this debt collector should be able to contact people that I previously worked for and issue garnishments for wages, which is informing people, that are NOT my employer, that I owe a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to file a formal complaint against Capital One, a financial institution subject to the Gramm-Leach-Bliley Act ( GLBA ), for their failure to comply with my GLBA opt-out request. 

OnXXXX-XXXX, I sent a written request to Capital One, exercising my legal right under the GLBA to opt out of the sharing of my nonpublic personal information with credit reporting agencies. This request was submitted in accordance with the GLBA regulations and guidelines. 

Despite the clear and lawful nature of my request, I have yet to receive any acknowledgment, confirmation, or response from Capital One. Their lack of communication has caused me significant frustration and concern regarding the privacy of my financial information. 

I have attached a copy of my initial opt-out request, which includes all the necessary information required by the GLBA, to this complaint for your reference. 

I believe that Capital One 's non-compliance with the GLBA poses a serious violation of my consumer rights and privacy, and I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter. 

I request that the CFPB conducts a thorough investigation into the non-compliance of Capital One with GLBA regulations and takes appropriate action to ensure that they promptly acknowledge and process my opt-out request. Furthermore, I request that [ Creditor Name ] be held accountable for their failure to adhere to GLBA guidelines and that they are made aware of the potential legal consequences of their non-compliance. 

Please consider this complaint as a formal request for investigation. 

I appreciate your attention to this matter and your dedication to ensuring consumer protection and privacy. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and effectively. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Self Financial 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: Problem with personal statement of dispute

Complaint:
I recently disputed a late payment added to my credit file with self financial, inc. I explained to them that my hours were reduced due to COVID-19 restrictions and I've been struggling with my debts but I manage to make the payment on the due date but didn't realize I was 30 days late for 1 payment. So I called Self and told them about the situation and said they couldn't do anything about it even when I explained that I only work 10 hours a week due to COVID-19 restriction and told me to send a goodwill letter to see if they can help me but at the end they denied it and I know that under the CARES ACT if I told them about the situation they can not report me late to the bureaus or help me. I went into this company believing that if one day this would happen they would understand my circumstance since they're suppose to help people who had bad credit history. I been paying on time and I really thought I didn't miss the mark but being at a job only working 10 hours and sustaining my kids mostly by myself and dealing with COVID-19 is a major stress factor and just knowing I worked my XXXX off to maintain my credit intact for almost 3 years the only thing I have clean only for them to not to give me a hand with this especially during these horrible depressing time. I'm really hurt that SELF financial couldn't understand my situation and this has really affected me mentally and physically especially with what I'm going thru right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Experian Information Solutions Inc.
State: GA
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 have two accounts on my XXXX  credit report that arent mine. I never opened these accounts, nor do I have any knowledge of them. This is my third time disputing these and its ridiculous as to why they are still there. I request that you have the two accounts erased from my credit report immediately. 
The accounts are : XXXX XXXX XXXX - {$700.00} XXXX XXXX XXXX - {$220.00}

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 2021-02-16
Company: Continental Finance Company, LLC
State: IN
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:
On XX/XX/15 I tried to make a payment to my credit card. The company is Continental Credit Card/XXXX. I initially tried to use the mobile app and was told I was unable to make a payment. I then tried to make it through the website and I received the same message. I have been making a XXXX payment every month but I started getting charges which has made my balance increase significantly. I am doing the best I can due to the my current situation that was caused by Covid. I feel this company is taking advantage of my current situation and now will not allow me to make a payment which will also allow them to charge me late fees and other fees.

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 2021-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have the Bank of America Premium Rewards credit card. The customer service at Bank of America has deteriorated to the point that it is nearly impossible to get assistance from any agent. You are given a confusing labyrinth of an automated system which simply hangs up on you if you make a wrong selection. If you are lucky enough to reach a customer service agent, they will tell you they can't help and transfer you to another department that will refuse to help as well. That is what happened when I called today. My credit card allows for a {$100.00} airline incidental rebate per year for incidental air travel purchases ( see attached ), such as WiFi or baggage. If the airline does not code the purchase correctly, you must call and provide proof that it was a qualifying purchase and they will manually adjust the balance for you. Recently, I took a two domestic flights on XXXX XXXX ( a qualifying airline ) and purchased WiFi ( an eligible charge ) for {$12.00} and {$16.00} for each leg of the flight. Due to the fact that this is billed by XXXX and not directly by XXXX XXXX, it is something that would need to be manually adjusted, which is what I was calling in today for. Attached you will find the credit card receipts showing the qualifying airline and amounts corresponding to my Bank of America credit card statement, as well as confirming it was for WiFi - again an eligible purchase. I ask that Bank of America please apply my travel credit to these eligible purchases.

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 2023-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I inquired in XXXX of 2023 about discharging my balance. I had another credit card with the same company that i intended to use for a trip. My inquiry must have incited a hatred and comtempt because I recieved a letter stating I was trying to do fraud and as a result they closed my accounts and reported to the credit monitors that they had made some agreement with me when in fact they refused to tell me that I had right to rescind, dispute, or discharge the debt and their particular methosd to do this. They shut off my application acces and they have sold the debt to a third party that I never gave permission to share my private personal information, and contact information to harrass and bother me. I have not recieved any tax information regarding them writing off the debt, and I am convinced this result in parking bad and erroneous information on my consumer for the sole purpose to make me look bad to other creditors. They are still sending me bills, despite selling the debt. Balance billing is illegal right?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 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 2021-02-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Chase continues to distort the facts associate with my loan application. when the company claims that it was investigating the issues, frankly nothing was been done, or else they would have discovered that Mr. XXXX emails me on XX/XX/XXXX, indicate there is no available loan program to me. The application Disclosure dated XX/XX/XXXX was sent for my signature with a loan amount of {$460000.00} which I never seek. My email to Mr. XXXX on XX/XX/XXXX, outlines the loan amount. Chase can provide my request for the amount of {$460000.00}. Even though I indicated the number was incorrect, Chase never tries to rectify this issue. What they are not disclosing to you are the emails sent by Chase on XX/XX/XXXX.XX/XX/2020 indicating that there is no loan program available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
During the COVID crises I put several deferments on obligations such as student loans, car loans and credit card debt that subsequently showed up as delinquent on my credit report, thus exacerbating my ability to seek and secure employment. I would like to use get help from the CFPB to assist me with getting the most accurate and updated reflection of my financial history presented. Like many of us, I've faced some challenges due to COVID and would like to have a fair shot with presenting my employment profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have two accounts on my Transunion credit report that arent mine. I never opened these accounts, nor do I have any knowledge of them. This is my third time disputing these and its ridiculous as to why they are still there. I request that you have the two accounts erased from my credit report immediately. 
The accounts are : XXXX XXXX XXXX - {$700.00} XXXX XXXX XXXX - {$220.00}

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