BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: IN
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:
In its response to my Complaint # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX had stated : " Any credit reporting XXXX provided on behalf of XXXX  has been deleted ''. 

However, the Credit Reporting Company EQUIFAX failed to delete the derogatory information in my credit report that was originally provided to it by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
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:
Beginning on XXXX  XX/XX/XXXX at XXXX XXXX, I checked our checking account balance and found that someone in California got a hold of our debit card number and started charging over {$1100.00} in food an entertainment! I called the credit union ( America First ) at XXXX. I was sent to call center in XXXX who took my report and supposedly put a hold on the transactions that were unauthorized and not yet cleared out account. Later in the morning, when credit union opened at XXXX XXXX I called again to speak with someone here. They informed us that they have put a hold on the account and to go in and get a new debit card. We did so right away. We were told that this issue would be taken care of in about 3 days and was high priority due to all of the charges. Well, here it is XX/XX/2022 and the credit union has let all transactions go through and empty our account of all funds plus pulled money from a line of credit to cover the fraudulent charges!!! 
We have had absolutely no money to live on as we had just received our auto deposited pay checks when this happened and the credit union could care less. I called again today, and was told they have just made this high priority but I was told week it was high priority and being worked on. Again we have no money and the credit union is lolly gagging about getting it back to us. We are having to use a credit card through them at this point. They say they don't know how much longer it will take, but we will receive a letter in the mail when complete!!! Very unprofessional and absolutely no security on our money what so ever. We need help, fast.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On   XXXX    XXXX ,2017. I made a Atm cash deposit at the   XXXX   XXXX    Atm outside the branch in the   XXXX   XXXX  . I made a cash deposit of {$360.00}. After I made the cash deposit a message across the machine. Telling me that it was experience difficult and can I please enter the amount I put in.I did! The machine told me to call this number  XXXX . After I try to go back and take {$180.00} out the machine after I made the deposit. Then the machine print the number again.Then I try to uses the Atm machine inside the branch then it was telling me the same thing. I called the number immediately. I have been going to the bank and calling everyday. They keep giving me the run around.I spoke to the fraud the department on   XXXX     XXXX  ,2017 they told that the Atm machine was jammed and they would give back me {$67.00} which they did on   XXXX     XXXX ,2017. At first told they only seen the {$300.00} but not {$67.00}. On three time different people had told me to come the branch to pick the money up. They have had my {$300.00} on hold ever since. I was told on   XXXX    XXXX ,2017 that I had to do another claims. Which I did. I also explain to them that I have receipt for the $  XXXX .I call back on  XXXX   XXXX ,2017 They declined my claims an said they have investigate. They also closed my account for this reason but it was n't my fault. They told it was fraud activities. I told understand why if I have a receipt. I also call my attorney.

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 2021-06-11
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2021, I was called 2 times from phone XXXX and XXXX. The represenative stated that they were trying to collect on a debt is outside the statue of limitatations. I was also was told they could not sue me but they were trying to collect. I previously made payment arrangements, but I was not able to follow through due to no money. Ive had to bear the debt from my moms funeral who passed on XX/XX/XXXX. Im still being harassed today ( XX/XX/2021 ) after explaining all this. The calls from XX/XX/2021 came from phone XXXX. They have also called my husbands phone which is an invasion of privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: Credit Karma, LLC
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Credit Karma is always offering me Credit Cards on their application! They say I have good or excellent approval options but when I apply I am refused! This has caused many unnecessary hard pulls on my credit report! They have damaged my credit with these mis-leading advertisements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Village Capital & Investment LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I cancelled this application last week because the company representative lied t us about the details and I cancelled the application. I tried to call   XXXX   XXXX   as well as Village Capital & Investments contacts that the   XXXX   XXXX   Area supervisor provided me, but they have not returned my calls.
Today I received a Closing Disclosure package from Village Capital & Investment, and I clearly cancelled all activities with this company. I believe that Village Capital & Investment has a checkered reputation and their refusal to acknowledge that I cancelled the deal is further indication to me that I was correct in refusing to deal with this organization, and cancelled the deal. I spoke with both   XXXX   XXXX   and   XXXX   XXXX   cancelling this contract.
The Loan Originator is  XXXX  (  XXXX  )  XXXX  MMLS  XXXX . Phone  XXXX  Loan Officer & Georgia Manager is   XXXX   XXXX   Phone  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
ocwen bank had my mortgage i was behind on one payment i called them to see my options i was told that modification dont take as long as they use to, i had one a few years ago and it took 7 years and i did not want that again, i wanted to pay my mortgage just wanted that 30 days late off my credit report, well started modification 2 years ago, never got anywhere with ocwen but they traded my loan to phh mortgage 4 months ago and i get a sheriffs sale notice i have sent paperwork everytime phh and ocwen asked and have it documented that it was received then phh comes back and says ok we got that now the other ones are over 60 days old, i have yet to hear if declined or accepted my modification and time is ticking my case manager suposidly XXXX XXXX at XXXX ext XXXX EVERYTIME, and there were many at different times i have yet to speak to himi he is never there they have eveything they need and i need to see if i can save my home, i feel they are not doing anything they are just gon na let this go into sheriffs sale and i do have a few tenants

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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:
This is my complaint to TRANSUNION for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment and violation under FCRA policy and CFPB on the medical collection.

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 2023-05-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I reached out to advise the company I currently stayed between to addresses at the time and my information was misplaced or stolen during the time I was living in to places and I noticed this hard inquiry on my account I called in to have the issue removed and the school representative was very rude and stated she wouldn't be able to further assist me with the removal of this issue and the only way it would be removed is to pay the balance due never gave my personal consents to the school to run my information through there system and never attend the school I am a full time employee don't have time for schooling have been for years and I am a bet upset that due to my information being on file I can't remove something that wasn't accurately me apply for the student loan or schooling process school is a scam and they lead a lot of people wrong I never wish to do business with this school or company I am in California I don't know anything about the schooling or the INS and outs that come with this school and there background just know when I reached out to be further assisted the company was rude and pushy and couldn't advise me to do nothing but pay the bills due that aren't mine

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 2021-09-30
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I been notified from the credit bureau that a negative collection was place on my report l was never noticed by the collection agency about a attempt that was placed with them this collection have no right to placed a collection on me l dont even what company that the agency is trying to collection but this collection do have a right to destroy and add a negative on my credit report and l havent been notified of anything please remove l own this collection agency nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 reporting act the list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 C A section 5 states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-06-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17
Company: Experian Information Solutions Inc.
State: AL
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:
RE-INVESTIGATION OF CHAPTER  XXXX  FILED IN   XXXX      XXXX   XXXX   DISTRICT COURT AND ANY ACCOUNTS ATTACHED TO THIS CHAPTER  XXXX . SOMEONE STOLE MY IDENTITY AND OPEN UP ACCOUNTS IN MY NAME AS WELL AS A CHAPTER   XXXX   BANKRUPTCY THAT WAS FILED ONLINE ( PRO-SE ) I DID BETTER INVESTIGATION THAN THE CREDIT BUREAUS AND FOUND OUT THIS CHAPTER  XXXX  ( FRAUD ) WAS FILED 1. ) ONLINE 2. PRO-SE ( NO ATTORNEY ) 3.   XXXX   XXXX   NEVADA ( I NEVER LIVED IN NEVADA ) 4. THESE ARE THE ACCOUNTS THAT WAS ATTACHED TO THE CHAPTER  XXXX  IN   XXXX   XXXX   DISTRICT COURT.
  XXXX   XXXX     XXXX   XXXX      XXXX   XXXX     XXXX   XXXX   I RESEARCHED EACH AND EVERY ACCOUNT BY CONTACTING THESE CREDITORERS ALL EVIDENCE AND INFORAMTION CAME BACK TO SEVERAL   XXXX   XXXX   NEVADA ADDRESS.
  XXXX   XXXX   XXXX   XXXX      XXXX   XXXX    XXXX    XXXX   XXXX     XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   XXXX   NEVADA   XXXX      XXXX   XXXX     XXXX   XXXX   NEVADA THE MERCHANDISE THAT WAS RECEIVED FROM   XXXX   XXXX   WAS SHIPPED TO   XXXX   XXXX    NEVADA AND ALSO SAME WITH   XXXX   XXXX  .
THE CHAPTER   XXXX   XXXX   NOT MINE AS WELL WHICH WAS FILED ONLINE IN   XXXX   XXXX    NEVADA DISTRICT COURT AND ALSO THERE WAS A VEHICLE INVOLVED. I HAVE PROVEN TO THE BUREAUS THAT THIS WASNT ME. I PROVIDED THE FOLLOWING TO EACH CREDIT BUREAU.
1. 17 YEARS WORTH OF ALABAMA ID ISSUED DRIVERS LICENSE 2. ALABAMA STATE TAX RETURNS 3. RENTAL LEASES FROM  XXXX - XXXX   XXXX  IS THE ONLY BUREAU THAT HAS REMOVED ALL THESE ACCOUNTS AS WELL AS THE CHAPTER   XXXX    FROM MY CREDIT FILE. I HAVE FILED POLICE REPORT IN MY CITY AND SURROUNDING CITY DUE TO THE FRAUD ACTIVITY ON MY CREDIT REPORT. THIS IS IDENTIY THEFT IN A STATE WHER EI NEVER EVEN VISIT. PLEASE RE INVESTIGATE AND REMOVE FROM MY CREDIT FILE

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 2022-11-04
Company: REGIONS FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, one of our business cards was used to make four ( 4 ) purchases of {$150.00} each ( total of {$600.00} ) for XXXX XXXX. Fleetcor notified us of potential fraud, and we informed them that the transactions were fraudulent because the employee who supposedly used the card was an hour away from where the charges were made. We also immediately cancelled the card. After filling out the proper paperwork, XXXXeetcor is refusing to process our claim. It isn't that the gas station has denied our request. It is that Fleetcor won't even attempt to process a chargeback because we have more than 10 cards with them. This was their immediate response : Upon review of the available information, which includes but is not limited to transactional data, account history and information which you have provided on the dispute form, it has been determined that the charges in dispute are not covered under your Cardholder Agreement, and therefore we are unable to approve your claim. 

Your Cardholder Agreement states : Federal Regulation Z for Business Use : You agree in any event that if at any time you have been issued ten ( 10 ) or more cards at your request, then you waive any and all limitations of liability for unauthorized use of such cards. 

While our real-time transaction monitoring systems are examining your account 24/7 for suspicious activity, we recommend that you frequently review your account for unauthorized purchases. Customer service is available 24/7 if you'd like assistance on the best way to use our online tools to monitor suspicious activity.

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 2021-09-30
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi my name is XXXX I'm a XXXX XXXX person that has struggled to keep up with payments of all sort I have a vehicle loan through ally auto for my van that I had purchased in XX/XX/2015 from that date till now I have never missed a payment for that vehicle even with my XX/XX/XXXX right now struggling to keep up I'm almost a month behind but I always make my payments before the 30day late period because of how much money comes in .my payments are do on the XXXX of the month so in XX/XX/XXXX I deposited some money from a customer and it was available on Saturday so I made my payment on Saturday the XXXX but today I received a 30 day late from XXXX and I'm not happy I've been struggling to keep my family happy during this time and to see this it hurts specially for people that are on parcel unemployment like I am I would like this to be removed if possible I so it doesn't hurt me just incase I need to use my credit for something else.

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 2023-01-23
Company: Synovus Bank
State: SC
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 contacted the company to speak on the late fee, I disputed with the bureaus, they moved it, but then put it on another month which is wrong.How can FIRST PROGRESS do this? It still needs to be removed permantly according to consumer law. 15usc1681a-4 privacy obligation not met. 15usc1681b no permission to place on the consumer report. 15usc1666b timing of payment shouldn't be reported. 15usc1681a ( 1 ) a2 transaction history is excluded from the report. 
They didn't get written consent to place anything on my record. Violations are {$1000.00} each or intentional fraud is 2 year prisonment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2021-09-30
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged twice from same company for same amount I have been trying to resolve this since XX/XX/XXXX. 
So obvious that I was charged XXXX twice on same day I closed my card followed all they said they have temporary credit then removed and I am Still charged twice XXXX. That is not Mine I am so frustrated getting no where

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 2023-05-04
Company: Experian Information Solutions Inc.
State: NY
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:
Despite two written requests, the unverified items still remain on my credit report in violation of Federal Law. The Bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they verified that these items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ). Furthermore theyyou have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. I am in the mist of buying property for my family to sustain living and the incorrect information on my report is a deformation of my character and is hindering me from providing for my family.

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