BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is intentionally hurting my credit. They do not do their job with investigations. I have recently disputed XXXX XXXX inquiry on XX/XX/XXXXXXXX  and they did not remove it. I asked for them to provide me proof of how they came to that decision and nothing. Just oh the company said it was yours. Again, I disputed this in XX/XX/XXXX and again on XXXX that I disputed this last and within a few outs they made that decision. Im guessing they did no research at all nor contacted XXXX XXXX. I personally reached out to chase last month with a dispute and they asked for all creditors to remove the inquiry. Even sent me a letter to let me know what they have done. Yet Equifax said the inquiry was validated. Im sorry but now compensation of {$1000.00} is owed to me as they have violated my rights for not properly investigating my dispute. Equifax is not trustworthy credit reporting agency and need to be held responsible for this mistake they have made multiple times over the past 90 days. This is a violation of 15 U.S. code 1681i ( 5 ) removal of inaccurate/invalidated credit. Please remove immediately And compensate me for the mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2019-09-13
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
XXXX XXXX I applied for a credit card with Wells Fargo. I did so because this card offered a balance transfer option for 0 % for 18 months. I have a XXXX card with a large balance. XXXX approved me but for only a {$5000.00} credit limit. That was not enough to pay off the XXXX card balance. 
On XXXX XXXX, 2019 I called XXXX to activate my new card and I instructed them to NOT make the balance transfer since I couldnt pay the entire balance. On XXXX XXXX, XXXX made the balance transfer anyway. On XXXX XXXX, a payment of {$4500.00} was posted on my XXXX card. The balance on my XXXX card is {$4600.00}. I did not want to transfer part of the balance where I would have XXXX accounts open with XXXX payments to make. 
I talked to XXXX earlier this week asking them to credit my XXXX card with a payment for {$2300.00} ( 50 % of what they charged me ) and I would assume the other half. They refused. They also told me that they had reached out to XXXX and asked the to refund the payment that XXXX made to them. XXXX refused. 
My current stance is that I want XXXX to refund to me the entire balance of {$4600.00}. That is my money they spent that I didnt authorize.

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 2023-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I recently went out of town to Hawaii. During this time a transaction was made on my account for XXXX XXXX for {$1600.00} on XX/XX/XXXX. They said an alert was sent however I explained I was flying and I have proof of my plane ticket as well if needed. I don't believe it's been thoroughly investigated. No one can give me any info, provide any information an invoice, or receipt, it says online does it have my email or anything showing I authorized this transaction? This has made it hard to keep up with some of my outstanding bills.

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 2023-12-09
Company: EQUIFAX, INC.
State: MN
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:
For the past few months, I have tried to correct and fix my credit reports, which non-responses or cliche responses from the credit bureau. Because of the credit bureaus failure in responses and corrective actions, it has caused harm towards me and my family financially. I am sending this complaint to exercise my rights to fair credit reporting, pursuant to 15 USC 1681. Equifax, XXXX, and XXXX are credit reporting business agencies, who have the duty to protect consumers privacy. According to the XXXX XXXX Rights and Privacy, it states that credit reporting agencies have a duty to protect the privacy of student education records, also pursuant to 20 USC 1232g ( b ). Furthermore, according to 15 USC 6801, it states is the policy of Congress that each financial institution ( to include, banks, credit agencies, governmental agencies i.e child support ), courts, etc ), has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information. Current policies further state, that the credit report should only show credit transactions, which exclude judgements, liens, and loans that can not be classified, on the basis of a contract. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c, pursuant to 15 USC 1681e. Equifax, XXXX, and XXXX are failing to uphold these laws, and in that are causing harm, violating my protection of due privacy. Their actions have violated federal laws in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against the consumer, pursuant to 15 USC 1691 ( C ). They have further violated my rights, pursuant to 15 USC 1642, 15 USC 1681M and 12 CFR 1002. Each Bureau will assume civil liability pursuant to 15 USC 1691 ( K ). These agencies do not have my consent to furnish this information on my credit report, and thus, I opt-out of any of information that has caused me harm from being reported on my credit report, pursuant to 15 USC 6802 ( b ) ( c ). The reporting of student loans, child support, and inaccurate information has led to adverse actions against me, causing financial harm and personal harm to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: IL
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: IL
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 fair credit reporting act XXXX account # XXXX, has violated my rights. 

15. U.S.C 1681 section 602 A. States I have 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a matter concerning unauthorized hard inquiries on my credit report. After reviewing my credit report, I discovered that there are inquiries that I did not authorize or provide consent for. 

Below are the details of the unauthorized inquiries : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax I XXXX like to emphasize that I did not apply for credit with the mentioned creditors on the specified dates. As such, I request that these unauthorized hard inquiries be promptly removed from my credit report to ensure the accuracy of the information. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right in the hope of maintaining the integrity and accuracy of my credit history. 

To assist you in your investigation, I have enclosed copies of my credit report with the unauthorized inquiries highlighted. I kindly request that you investigate this matter promptly and inform me of the results. 

Enclosed documents : Copy of Credit Report with Highlighted Inquiries Please provide a written response within 30 days, as stipulated by the FCRA, to inform me of the actions taken to rectify this matter. If the investigation reveals that the inquiries were indeed unauthorized, I request written confirmation of their removal from my credit report. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving this issue in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # 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 non-monetary relief
Consumer complaint received 2021-08-17
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed a dispute on XX/XX/2020 with PNC Bank for an unauthorized charge of {$4000.00}. I was told that I would receive a provisional credit within 10 days to my account or they would complete the investigation within 10 days. I submitted everything immediately to PNC and repeatedly called daily expressing that I had not received the credit and I submitted all documents requested and that I was in a desperate state since this caused my account to go into the negative. PNC refused to assist me during the investigation. Finally on XX/XX/2020 ( 90 days after I filed the dispute ) PNC completed their investigation and found in my favor refunding the money that was stolen from my account. However, due to the long investigation and no issue of the provisional credit I was evicted from my home, my car was repod, my utilities turned off, had to give my dog away due to not being able to afford to care for her, all my bills were late and all my credit cards were closed due to nonpayment. My son was not able to graduate high school due to not being able to complete online classes. My daughter had to go live with her dad due to having no food and no home and no funds to hire an attorney. I literally lost everything due to this. I have not been able to recover and have been homeless with no car since XX/XX/2020. PNC then held all my deposits ( including direct deposits ) and turned off my online banking access and demanded that I come into a branch and withdrawal all my funds and close my account because I started to complain to the local media. This bank has ruined my life causing me to fall into a XXXX that I can not even afford to seek treatment for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: EQUIFAX, INC.
State: FL
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:
Equifax ; XXXX and XXXX are reporting incorrectly duplicate entries of a charge-off on XXXX partial account numbers - ****XXXX. ( Please see page attached from my credit report. ) The first entry is reporting a {$0.00} balance and the second entry is reporting a balance of {$8000.00}. I contacted XXXX XXXX and let them know that the charges reporting is fraudulent. I did not incur these charges. The representative I spoke with confirmed that this debt does not belong to me. The balance reporting is not accurate and the duplicate entries reporting on my credit report is harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: AMERICAN INTERNET MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
1st Issue : For two years, since the creation of a Deferment, which I did not ask for and was derived without my knowledge or consent, in the amount of {$8700.00}, I have been asking for a complete payment history that includes the column showing the Payment and Transaction ID numbers. 

However, after prolonged delays, all I have received are handmade spreadsheets derived from a second set of books/ledgers that XXXX XXXX XXXXXXXX , the third-party vendor for AIM Loan, derived during the period my loan was in forbearance during the Pandemic. 

I now have a case open with the Dept. of Financial Protection and Innovation and am hopeful a resolution can be met soon. 

Issue # 2 : The second and most pressing issue is that sometime near the end of XXXX of XXXX, my account payment portal became locked. I have been denied access to make any online payments. 

Upon my initial inquiry about this, I was told that it was part of protecting my account while it was in transition from XXXX to AIM Loan in-house servicing. 

When my account was not released I asked again and I was told that my account was delinquent, and once I paid my XXXX payment, it would be released. And so after my XXXX payment was made payments were paid, it still remained locked. 

Now, four months later, the company is telling me that because I have been approved for mortgage relief assistance, my account will remain locked until the second mortgage is paid off. 

It is a different story every other week. 

Although I have been informed I can mail in a payment, I am reluctant because now that I have uncovered a second set of books/ledgers, I have reason to believe the curtailments payment I included with my checks and money orders, early on in my loan, between the months of XX/XX/XXXX through XXXX of XXXX, were not properly credited to my account. 

Whenever I request a copy of my 1098 forms, the bottom half of XXXX, XXXX, and XXXX arrive blank. While XXXX onward contains my payment history. 

Something is not right with the way my mortgage has been handled. I do not trust AIM Loan and I will send my payments until I can do so and receive a proof of payment and transaction ID # that I can immediately print out and keep for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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 started disputing inaccuracies on my credit report back in XXXX and informed the credit bureaus that my identity had been stolen. I was told to submit a identity theft report and I did so along with a letter with a list of account that I had no knowledge of and that were unauthorized accounts on my credit report. I noticed that they had several different forms of my across the different bureaus and informed the credit bureaus of my one and only correct name. I notice several location that I have never lived at on my report and I also informed the credit bureaus of the accurate addresses. I have provided proof of identity and informed the bureaus that there are accounts on my credit report that do not belong to me. I was told that some of the account were validated. I sent a request for validation of debt with a request for specific items and all bureaus fail to provide proof that any of the alleged debts belong to me, which they don't. I noticed bankruptcy on my credit report and informed the bureaus that I have never filed bankruptcy and requested that they remove from report. From my understanding the bureaus are violating 15 usc 1681 ( a ) ( 2 ) that states I have to give then written permission to furnish anything on my credit report. 15 usc 1681 ( b ) ( a ) ( 2 ) permissible purpose. My credit report are all over the places. Nothing matches. Account number are not the same, date accounts were opened are not the same. I don't know who did this but it needs to be fixed. According to consumer law the credit reports should have the same accurate information.

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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER USC1681 SEC 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SEC 604 A SEC 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 25 USC1666 B, A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARDACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN AS LATE

Company response to consumer: Closed with explanation