BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Wells Fargo gave me a credit limit of XXXX, then when I was using the card, they just dropped my credit limit to under my balance, then charged me late fees and raised rate of late charges! I paid the card off, I was using the card monthly and they had a XXXX credit limit. I was using my card and paying it off at the end of the month to increase my points on 1.5 % on purchases! I was then hit with them again with them lowering my credit limit again to my balance for what they said was the way I was using my card is not what Wells Fargo XXXX department said! Now I have a XXXX fico score and they said that my use of the card was not what they wanted because I had low credit scores! So this is a lie because they said it was pattern based usage of the card! Then they charged fees and outrageous fees for cash transactions that I never made! I told them this should be illegal, apparently they have been doing a bunch of illegal transactions!

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 2019-05-10
Company: BB&T CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The issue is complex and is outlined in the uploaded Documents - Illegal Discrimination Claims. 

Thank You XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX in accordance with the Fair Credit Reporting act 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 santander consumer

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 2023-11-23
Company: DApps Platform, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I met a person on an online app that told me I could be making money at first I did not believe it as I do not believe such things, but I gave in and surprisingly I was able to withdraw XXXX XXXX  mind I had to use my money, then things escalated as the application trust allows them to take my money once in there, there is a browser on the application trust that I used to go to XXXX they took XXXX XXXX and made me request money from my bank credit card that my bank easily allow as well totaling XXXX XXXX  and now when I finished the activity on which they state I would make XXXX XXXX  they are requesting from me XXXX fee to withdraw which I do not have and I lost all my saving and the money the bank lend me, I am in extremely exhausted I havent been able to find anyone to help me with this, I called the police and they did a report but nothing else, I reached out to the fbi and I was a little exaggerated with my words so they sent the police to my house and put me on a XXXX place because they thought I could hurt me or others and did not help me on my case where I really need help, I just really hope somebody can help me try to recover the money at least the one I borrow from my credit card to pay back or I will have a terrible credit destroyed and I was scammed. I hope you can please help me find a solution or try to. Thank you

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023, I received a notice from XXXX of a hard inquiry from Capital One Bank which I did not authorize. This notification came as a surprise to me since I have not requested any financial products from Capital One Bank or any other bank on those dates nor have not been on the market requesting any other financial products from other institutions. I contacted Capital One Bank and did nothing to assist stating that the issue must be addressed and resolved by XXXX. I then communicated with XXXX and said they were going to address this situation and send the bank a notice to correct and remove the inquiry. Days later I then follow up with both XXXX and Capital One Bank because the inquiry was till showing up and nothing was done to assist me. Again I communicated with XXXX and they stated that they were going to take action but I had to wait 30 days from the date of the inquiry was made for the information to be corrected when my monthly credit report refreshed. After 30 days I call again XXXX and a person from XXXX 'assisted ' me and said that no action had been taken and that I needed to go to the local police to make a complaint. 

I need my credit report to be corrected because Capital One Bank has not done nothing to correct this inquiry and XXXX has not been proactive in resolving my issue either, giving me three ( 3 ) different versions of steps to be taken to correct my information however, nothing has been done. 

I do not have any relationship with Capital One Bank and have not submitted requests to be considered for their products.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: SANTANDER HOLDINGS USA, INC.
State: VA
Product: Credit reporting, credit repair services, 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:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Northwest Collectors Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Submitted a dispute with XXXX Credit bureau and sent a certified mail with the same info to the collection agency ( Northwest collectors inc ) on XX/XX/2022 and to the original creditor listed on the credit report ( XXXX XXXX XXXX ) I checked my credit report and there is a collection reported but I never received any notice, and I had no option to dispute it prior to damaging my record. All my medical bills were paid to the hospital by my insurance plan, and I do not have any unpaid medical bills. Collection Agency failed to provide a written notice and violated my rights.

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2022-12-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 usc 1681. Equifax is govern by 15 usc 1681. And they violated my rights numerous of times. I deman the accounts listed below be removed because according to 15 usc 1681 : I have the rights to privacy and I did not give equifax written permission to furnish these accounts. 

Accounts. XXXXXXXX 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 explanation
Consumer complaint received 2018-03-18
Company: ALLY FINANCIAL INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
1. Ally is reporting to XXXX that the account is in a Petition for Chapter XXXX. This is not correct. My Chapter XXXX  Bankruptcy was Discharged on XX/XX/2016.

2. Ally is reporting to both XXXX and XXXX  that the account Condition as Derogatory. This is not correct. Ally was paid-in-full {$28000.00} and the account condition is PAID.

3. Ally is reporting to both XXXX   and XXXX the account Status as in a Payment Plan. This is not correct. This account is closed so how can the account be in a Payment Plan?

4. This account is not in Chapter XXXX Bankruptcy. Ally must only report the current condition of the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there were still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX Account # XXXX which is a revolving credit card account type. Has all kinds of inconsistencies where it is showing that it was opened with TransUnion on XX/XX/2015 XXXX on XX/XX/2015 and XXXX XX/XX/2015 I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX  Account # XXXX 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. it also states a consumer reporting agency can not furnish an 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 2022-12-28
Company: Aldous & Associates, PLLC
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: Was not notified of investigation status or results

Complaint:
Account Name : ALDOUS & Associates Date Opened : XX/XX/2022 Amount : {$160.00} Account Type : Collections This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: GA
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:
This investigation has taken longer than XXXX days and is hindering my ability to obtain housing, credit, financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
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:
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 XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 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 2023-02-02
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified on XX/XX/2018 that I had this debt for XXXX. I have never heard of this collection agency nor received correspondence. I keep my credit clean and pay all bills. This is either a fraudulent charge or they have the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: AFNI INC.
State: NY
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: Billing dispute for services

Complaint:
I am applying for a mortgage. I received a credit report on XX/XX/22 with an adverse item on it - a {$1600.00} XXXX defaulted balance. I have NEVER used XXXX for any reason. The item was reported by AFNI Collection Agency. Phone XXXX. They told me it was an XXXX cell account number with an address in NJ. I told them I have never lived in NJ, and did not have such an account. AFNI said they would send me a fraud reporting kit and if I returned it within 10 days, they would clear the report to the credit bureaus. I never received this fraud kit. I called several times, was told about 10 days later that they mailed the kit to the FRAUDULENT address. I told them I had already provided my correct address, and did so again. They said they were mailing a replacement. It is now 3 weeks later. I've received nothing. 

I then contacted XXXX Customer Service fraud reporting phone number directly. They have a recording saying they are too busy to speak to anyone, but to report online. I did. I received an email saying I would get a response in 5 days. I have received NOTHING. I have called XXXX repeatedly, asked to speak to a supervisor, the legal department, etc... It is impossible to get a response. I get forwarded to the same recorded message.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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/2018, I had attempted to make a payment to my Capital One Quicksilver credit card using funds from my XXXX XXXX Checking Account. I am an extremely diligent consumer, with ( now ) 99 % on-time payment history. That particular day, XXXX XXXX had processed the payment, and the transaction even showed on my XXXX XXXX account the next day. However, the day after that, XXXX XXXX had pulled back the funds, resulting in a " missed payment, '' and on top of that, they had charged my {$35.00} for this unsuccessful bill payment. When I had gone to the institution ( XXXX  XXXX ) to close the account as it had not been the first time I was charged the same fee for unsuccessful payments and at the time I had been frustrated by the recurring situation, they had suggested that I switch to a student account that protects me from unknown or delayed NSF situations - an offer they did not give me in the beginning even though they were aware that I had been a college student when I first applied for a checking account with them. Though I chose to remain with them, the situation caused me to go down from 100 % on-time payment history to 99 %, which subsequently effects my overall credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/26 mailed a letter to transunion for incorrect 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 2022-12-28
Company: EQUIFAX, INC.
State: PA
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 iwth the Fair Credit Reporting act XXXX XXXX  Acct # 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 604a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2023, my Paypal account got permanently limited by the company because I violent their rule, which means I can not do any transactions with my account such as receiving and sending money. I don't know what rule or section of their rule I had violated, so I ask them, then they just say that it is base in their confidential criteria. So I am shock I don't know what to do because I don't know what rule i had violated. Until now my money amounting XXXX stock in my account, I cant touch or withdraw it till now. When I emailed them to request to restore my account, seems like their reply is auto generated and they will not review the complaint at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have made XXXX  principal payments on my current mortgage at fifth third and the full amount was not taken off the mortgage. I have tried to resolve this with the institution but they are giving me the run around. 
I have called XXXX XXXX XXXX XXXXXX/XX/2022 to make sure my extra payment of {$1800.00} was made on XXXX XXXX. It was not applied! 
No action was taken by Fifth Third

Company response to consumer: Closed with explanation