BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: TX
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:
After several attempts to try to correct these accounts with the major credit bureaus they have violated my rights as a consumer, I have taken matters into my own hands and reviewed my rights in the fair credit report act law and have found that these accounts violated MANY LAWS. The accounts im referring to are listed below, and I have attached all the errors I am referring to straight from my credit report with marks, as well as cited all the laws they have seem to violated, if not more once I send to my consumer attorney if not addressed ASAP.

15 U.S.C 1681 section 602 A states I HAVE THE RIGHT TO PRIVACY Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Inaccurate Reporting 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or DELETE THE ITEM ( S ) from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller 15 U.S.C 1681 Section 604 A Section 2 : states that a consumer reporting agency can not furnish an account without my written instructions. I NEVER GAVE WRITTEN CONSENT TO THESE COMPANIES THE ACCOUNTS IN QUESTION : XXXX XXXX XXXX ALL ACCOUNT NUMBERS ARE LISTED ON THE IMAGE ATTATCHED!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. XXXX XXXX Account Number : XXXX I was never late and want proof of being late not just a response of verified. I want actual proof of late payment sent to me

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 2023-02-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XXXX XXXX XXXX put me in for a loan through Wells Fargo, where I banked at the time. Wells Fargo pushed through the loan for close to {$30000.00} for a 2019 XXXX that already had over 50,000 miles on it. They never made me produce 6 months of my bank statements which would have shown that I did not qualify fir a loan of this magnitude. I am on XXXX, and worked as a XXXX XXXX XXXX at the time. I don't make enough money to have qualified for this loan. I can not refinance as the vehicle is only worth {$17000.00}, and only in Fair Condition.

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 2016-04-12
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I signed up for the XXXX / Barclays Card by filling out a form on a flight. 
I have had several issues with the account : 1 ) Name was spelled incorrectly on card / account, this took several months to correct 2 ) An Annual fee of {$89.00} was charged on my incorrectly spelled account which had not been activated - I had no means to pay / access this without corrections to my account 3 ) I never received the XXXX award miles that were promised as a part of the promotion 4 ) Incorrect credit report lead to me not being able to be part of our home loan : '- Barclays reported my late payment to the Credit Bureau XXXX They corrected this once I I disputed in light of XXXX XXXX and XXXX XXXX above. 
- I needed a letter from Barclay 's as proof that they had withdrawn the credit complaint. I had to call them XXXX15 times to get the letter. By the time they sent it, it was too late. 
I cancelled my card just this morning, to avoid any future interactions. This has been an absolute nightmare - with a {$100.00} dollar charge leading to me not being able to get on a home loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: AMERISAVE MORTGAGE CORPORATION
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Fees or costs during the application process

Complaint:
On XX/XX/XXXX I was sent a guaranteed Preapproval Letter from Amerisave In The Amount of {$100000.00}. On A Taped Call I Authorized XXXX XXXX the loan officer to Only charge my credit card a One time Credit report fee of {$18.00} One Day later Not Only Did My Preapproval drop to {$80000.00} XXXX XXXX had charged my credit card {$500.00} For NO known Reason. The only charge I authorized was {$18.00}. After filing with the XXXX XXXX XXXX I received a call from Amerisave sales manager XXXX XXXX. While On A Taped Line XXXX XXXX Could only confirm I was charged {$18.00} for my credit report. After going over my Preapproval docs the only charge that was stated before Closing was a Fee of {$29.00} for The very same credit report. XXXX XXXX Could NOT TELL ME WHY THEIR WAS A DISCRETION. I am in contact with my attorney as well as Legal for theft of service and fraud charges for the fee of {$500.00} as as damages

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
HI, XXXX XXXX or Equifax Is reporting an inaccurate balance on my Equifax report which resulting in me losing XXXX points!!! UNBELIEVABLE!!! When On XX/XX/2023 I made a payment of {$240.00} & a payment on XX/XX/2023 of {$20.00} more dollars & XXXX reported on the XXXX of XX/XX/2023, my balance went down from {$400.00} to {$200.00}. & my scores went up on XXXX XXXX XXXX Equifax & I'm still waiting for XXXX to update the new balance. How Ever, today XXXX It shows a report of {$400.00} balance back on my self account on Equifax report!!! WHEN I HAVE PROOF I ALREADY PAID THIS ACCOUNT DOWN NOW 27 % UTILIZATION! & BALANCE IS {$200.00} NOW!! Why would Equifax report inaccurately or XXXX XXXX? Because Equifax says it's getting reporting from XXXX XXXX but they only report on the XXXX of the month & they already reported the balance down to {$200.00}!! not {$400.00}!! This is a huge inconvenience & messing up my future plans for buying a home, a new car ( I was in a car accident & my car was totaled, not my fault & its been enough!!! ) I DONT NEED THIS!! & now either EQUIFAX OR XXXX XXXX IS MESSING WITH MY LIVE & FUTURE! It's already been a pain that XXXX says XXXX XXXX didn't update & report the new balance of {$200.00} but Equifax XXXX XXXX XXXX did report the correct balance in the beginning of XXXX. So I do NOT understand why is there a new report saying the balance is back at {$400.00}? My payments were took out of my bank accounts & everything was fine. I BEEN WORKING SO HARD TO GET MY CREDIT CARD BALANCES DOWN, JUST TO BE DISHONORED! I NEED THIS PROBLEM FIXED ASAP & MY XXXX POINTS BACK PLEASE! THIS IS GETTING DEPRESSING, THESE COMPANIES DO NOT CARE ABOUT MY LIFE!! THEY ARE VIOLATING MY RIGHTS & BREAKING THE LAW, REPORTING INACCURATE INFORMATION IS ILLEGAL!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I mailed off my challenge letters to validate debt owed and was not notified of incorrect information on my report. 

I mailed off on XX/XX/2022

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 2023-06-09
Company: EQUIFAX, INC.
State: WA
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:
Im writing in the hope that someone can tell me how on earth decisions to lower or raise credit scores are made by Equifax, XXXX, and XXXX. 

My credit score for a long while was XXXX - XXXX. I have just short of {$85000.00} deposited in two savings accounts, I have ZERO long term debt, NO car payment, NO student loans, NO medical bills, NO overdue bills of any kind. Still my credit score was dropped a full XXXX POINTS over a {$2500.00} charge that was paid off FOUR DAYS after it was charged??? 

I received an XXXX alert yesterday about a transaction on my XXXX XXXX, one similar to charges that Ive done several times before, specifically about {$2500.00} for vehicle maintenance. After a lengthy conversation with an XXXX rep I found that my credit score was about to be dropped a full XXXX POINTS for something Ive done several times before. That {$2500.00} didnt come close to the credit limit of my XXXX XXXX , and last week I initiated a {$3000.00} payment from my XXXX account that posted to the XXXX yesterday leaving a current balance of about {$100.00}. 

How on earth does a charge of {$2500.00} warrant a reduction of a full XXXX POINTS to my credit score? This is not the first time this has happened but is definitely something that should NEVER be allowed to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I had 3 accounts opened in my former name @ TD Bank. I am still getting statements and overdraft statements. I received 2 certified letters for the first 2 accounts and I thank you, and would like to try to get the last accounts closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: Grain Technology, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/22 I changed bank accounts and its linked to my old bank account Ive done a support ticket and posted on social media to discover hundreds of others have same problem. Ive responded to the ticket several times and still today my old banks connected and my perfect payment history is now 90 % on time and my credit profile is 30 years thick. 

Late fees and interest charges should be credited I typically take home $ XXXX per week. I also have a credit line with the other bank that would of allowed me to pay this off but they only allow what available balance is in checking account to be paid. So I was forced to make dozens of small payments because they take over a week to withdrawal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: IL
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:
I want these account removed and deleted immediately. 


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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving repeated phone calls from a company that comes up on my caller ID as Transworld Inc. The representative advised me that I have a medical bill from XXXX XXXX. I said that was impossible. She asked me to verify my address and I did, and it was NOT my address that she had on file. She gave me just the street name that she had on file and it was my ex-husband 's old address. I couldn't verify it because I couldn't remember the address because I haven't lived there in years. I explained to her that while I stayed at that address I did not go to a XXXX XXXX. She asked me to verify my social and DOB and I did not feel comfortable giving that. The next day, I received another call from the same number ( XXXX ). I explained that this debt was not mine and asked them to discontinue calling me. I blocked the number and they have been calling 2-4 times a day from different numbers. When I block those numbers they began to call on different numbers. These calls are now daily and throughout the day. This company has threatened to send it to credit agencies because I will not settle this bill with them. This company has violated these laws : 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 a account without my written instructions. 15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2023-05-15
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 2023-02-01
Company: EQUIFAX, INC.
State: MI
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:
The company XXXX Equifax XXXX explained to me that they would not except my dispute because they feel its from a third-party. 
I continuously explain to them that the dispute did not come from I sent them my ID verification I also sent them documentation for address verification They told me to dispute over the phone or online I explain to them that I did not want to dispute over the phone or online because I did not want to give up my rights Please re-investigate this matter and remove it from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: United PanAm Financial Corp.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Financed vehicle. Wasnt aware of product defect. Product defected causing damage. Contacted vehicle corporation. Negotiations for several month snd reached out to debtor for assistance several times to receive none. Finally settled to have car damages repaired with vehicle corporation. Dropped it off at corporate dealership. Financed or debort credit report destroyer repossessed vehicle. I couldnt afford to reaqquire vehicle unemployed and debtor was notified of situation never to help but quick to make negative on cr causing hardship and still charging for vehicle which would fall on me if was repaired to previous condition which as schedule the day after repossessed. Debtor finance institution now has responsibility to settle with corporation and settle cost of vehicle. I didnt my part without assistance and settled with XXXX XXXX XXXX XXXX was notified they acted premature causing more hardship taking back assets enjoy and removed from credit. U removed it once and reopened with new account to ruin my score and unfair practice used by companies as an act of retaliation when they know they messed up and are personally offended. A rude tactic to cause hardship to ones livelihood which affect to breadwinners children and are who become victims living inpovershed due to dad credit score...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, 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 DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160000.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560000.00}.

Company response to consumer: Closed with explanation