BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: FL
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:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In just XXXX alone we had {$170.00} in overdraft fees... .this is a system put in place to make sure people who are struggling continue to struggle. Despite requesting bills not being taken out due to low funds they did not adhere to our request and allowed the fees to pile up anyway. This affected the next month where we had to pinch pennies just to pay the mortgage. We are still behind on bills and Wells Fargo only makes the situation worse.

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 2023-07-26
Company: MCCUE MORTGAGE COMPANY, THE
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The cares act was provided to assist mortgages during XXXX, COVID pandemic. I worked with McCue to try and pay the mortgage despite the struggles of getting COVID, working in an XXXX XXXX XXXX XXXX which was greatly impacted. In attempting to get a new mortgage I realized that I was being charged late fees during this period that I was not supposed to be charged as I struggled to make payments. In XXXX after trying my best and running 60 days behind I took the option of filing for the COVID forbearance. During that period from XXXX to early XXXX I was not charged the late fees. 

This was reported to the credit bureau, I am in the middle of selling the house and attempting to get a new mortgage. Due to the charges incurred I am not able to secure a mortgage. I attempted to resolve this with McCue and I received an email that I was offered the forbearance before I actually applied therefore they are not able to remove those charges. Based on what I read about the Cares Act and consultation, I am making this report to gain a resolve with McCue Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 and XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
SOMEONE APPLIED FOR A CREDIT CARD UNER MY NAME AND I GOT SEVERAL EMAILS FROM CREDIT ACCOUNTS. I DID NOT APPLY FOR THIS CARD IT WAS QUICKSILVER XXXX  ONE. 
NOW ITS ON MY CREDIT REPORT AS A HARD INQUIRY. I NEED THIS TAKEN OFF I AM GOING TO APPLY FOR A MORGAGE SOON, AND THIS HURTS MY CREDIT SCORE, THIS HAPPENED XXXX  XXXX, XXXX AT XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
According to 15 USC 1681i, Equifax shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.They are in violation with the following accounts by not updating the current status as disputed and update the date of reinvestigation. XXXX Acct # 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 2022-10-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XX/XX/2018 - Present this company claims to be National Bank of Omaha calls from phone # XXXX repeatedly starting at XXXX hangs up calls each minute after back to back 3x a day and they do this every single day even though theyre blocked they keep harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit 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:
In XX/XX/, I made an initial deposit of {$490.00} via credit card for a product. According to the email correspondence from the business, the total charge was not to exceed {$800.00} plus tax. However, in XXXX XXXX  when I inquired about the estimated time of arrival ( ETA ) of the product or requested a refund due to non-delivery, there was an unauthorized attempt to charge an additional {$800.00} to my credit card. This attempt was automatically declined by my credit card provider. 

This unauthorized charge attempt brought the subtotal to {$1200.00}, which was not in accordance with the agreed terms stated in the business 's email. Despite opening a dispute with Wells Fargo about this issue, there has been a lack of support and negligence on their part in resolving this matter. I am seeking assistance to address this issue and ensure proper handling of the dispute in line with the original agreement and terms.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2022-12-30
Company: MONEY SOURCE, INC., THE
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2022 my loan was sold to a company called " The Money Source '' by XXXX XXXX. I requested to have PMI removed from my account from XXXX XXXX  prior to this transfer, which occurred without my knowledge or approval, and The Money Source did not have information regarding my request and when they indicated they would start a new request in XXXX. I then called again on XX/XX/2022 only to be informed they did not complete the request completely and did not send the appropriate letter to me so I could then request an appraisal. I was informed on XX/XX/XXXX this would be remedied and I should watch for a letter. 

It is now XX/XX/XXXX, and I spoke with The Money Source today, who indicated they had NOT sent the letter yet again. I was on hold for over 60 minutes and spend over 60 minutes in each of these phone calls, I spoke to a supervisor who indicated they would " escalate '' my concern but they would not be able to guarantee any response in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
At the end of lease my vehicle was inspected and I was charged for extra wear and tear. The letter they provided detialed that if the balance is not paid by XX/XX/2018 it will be reported to the credit reporting agencies as charged off balance. 
I checked my credit report a week ago and saw that this balance was already reported to the credit bureaus as late payment. I called Hyundai Finance and was told they could not do anything about it. I condemned their letter and explained to them that you were not supposed to report anything untill the date you mentioned on the letter. The customer service apologised and said they could not change the past even if I piad the balance off before XX/XX/2018. 
I included the letter for you to see it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: AUTOMOTIVE CREDIT CORPORATION
State: GA
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:
I hope this letter reaches you in good health. I am writing in response to your recent communication through CFPB, concerning an alleged credit application submitted to Automotive Credit Corporation on XX/XX/2022, through XXXX XXXX XXXX. 

I must express my deep concern and dissatisfaction with your statement that Automotive Credit Corporation had permissible purpose under the Fair Credit Reporting Act ( FCRA ) for the credit application submitted by XXXX XXXX XXXX. It is important to clarify that, to the best of my knowledge, I never authorized nor gave written consent for Automotive Credit Corporation to access my credit report. 

Your unauthorized inquiry into my credit history is affecting my creditworthiness and, consequently, my financial well-being. I want to reiterate that I have never had any communication with Automotive Credit Corporation, making it impossible for me to have given consent for the retrieval of my credit report.

As outlined in my previous communication, your company 's actions are in potential violation of my rights as a consumer under 15 U.S.C. 616, especially considering the willful noncompliance and potential damages I may incur due to these unauthorized inquiries.

Moreover, I emphasize the importance of accuracy and fairness in credit reporting, as highlighted in 15 U.S.C. 1681. The inaccuracies in my credit report resulting from the unauthorized inquiry must be promptly corrected to adhere to the law and protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : CXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2023-11-10
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XX/XX/2023, three letters were sent to IC System in XXXX XXXX, MN to verify the debt they are reporting to the credit bureaus. The letter was received on XXXX XX/XX/2023 and signed for by a XXXX XXXX. As of today ( XX/XX/2023 ), I have not received any response from IC System as required by Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ).

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 2023-12-12
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to formally dispute and request the correction of inaccurate late payment reporting on my credit report. After a thorough review of my credit history, I have identified discrepancies that require your urgent attention. 

XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service. 

I am confident that there is an error in the reporting of these late payments, as I have diligently maintained timely payments on these accounts. To support my dispute, I have attached relevant documentation, including payment receipts, bank statements, and any other necessary records that clearly demonstrate the payments were made within the specified timeframe. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the correction and a copy of the updated credit report.

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 2023-12-12
Company: CarMax, 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 has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 ( XXXX  ) . 15 USC 1681 section 602 A states have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I tried to pay my on my student loan for XX/XX/XXXXat the beginning of XX/XX/XXXX. When I went to pay online it showed my loans were in forbearance. I called Navient and they told me that because I was in a natural disaster area that all loans were put into forbearance. I asked for it to be removed so I could pay on my loan. The gentleman instructed me that they could take off the forbearance but my first payment would not be due till XX/XX/XXXX. 

I kept getting calls from Navient asking me to pay throughout XX/XX/XXXX. I spoke a second time to Navient 's customer service and they said someone would listen to the recorded call from the previous conversation and get back to me. No one got back to me. What they did do is call me again and again asking for me to pay all of my past due balances. 

Our third conversation for the month of XX/XX/XXXX a manager got on the phone and said there was nothing she could do. I find this unacceptable. I followed their instructions on waiting to pay in XX/XX/XXXX yet I kept getting harassed with dozens of phone calls. They could have just said " just pay in XX/XX/XXXX '' as was originally explained to me on a recorded line. 

I'm the one that asked to have my loan taken out of forbearance so I could pay on it. I followed their instructions but yet somehow i'm the one at fault here. Their business practices are terrible and they offered no consolation here for their mistake. 

I went ahead and paid everything they asked me to ( plus a little extra ). I fixed things as they instructed, but I feel they need to make this right with me. I'm sure i'm not the only person they have done this to over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My complaint is against Citibank Credit Card. I have a credit card for XXXX XXXX and was paying as agreed until my husband lost his job and I decided to enroll in a debt management program with XXXX to help me pay off all of my debt. for 5 months XXXX has been sending Citibank, proposals requesting them to lower my payments but they are not responding. They are being sent what the proposed payment should be but they are continuing to report the payment as " partial and continue to add late fees and reporting negative info on my credit report. 
I have called them and was given the information to send the proposal and even authorize XXXX to contact them on my behalf and they are not responding. 
Unfortunately, at this point I am frustrated by their lack of interest in helping customers in my situation. I have all the intention to pay and they are not helping.

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