BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This whole journey started when my mail was stolen and my new credit card from USAA was stolen and attempted to be used. I contacted USAA about it and requested a new card and let them know that I did not make the charges. I then took steps to further secure my account like changing my password. 

Unbeknownst to me, and without contacting me, USAA placed my account in a security freeze and would not allow outgoing payments. In this time, my power bill to XXXX  XXXX was set to autopay. Without prior warning, or explanation afterwards, my payment to XXXX  XXXX was denied by USAA. This caused me to incur at {$30.00} rejected payment fee and potentially a late payment fee. I am unsure if this is counted as a late payment against my credit. 

I have not been told why my scheduled payment was denied by USAA, nor have they offered a remedy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX  XXXX XXXX, has violated my rights. 

XXXX  XXXX XXXX stole my identity and sold/shared without my consent to Chex Systems , Inc . This is a crime and I deserve protection. Identity theft is a crime punishable by federal laws. 

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 se

ven 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 2023-03-30
Company: EQUIFAX, INC.
State: NC
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have never asked or relieved money from XXXX but I am getting emails from a lawyer that there is a warrant. I am afraid to respond due to the fact it has to be a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Since the equifax breach I have been unable to work. My computers have been hacked into as well as my entire neighborhood. I have been accused of the data breach and without employment I am no longer to provided for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, Dept of ED/XXXX : # XXXX, and Factual Data : Hard Inquiry, 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.

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.

These inaccurate accounts are stopping me from the ability to get lower interest rate credit cards for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
A credit card application was completed in TD bank branch. Forms were emailed. Then TD never responded about application. Reached out to branch and XXXX number, was told there is no information in system reflection credit card application. 
Received email from TD Bank for credit card prescreening promotion. Went into branch and sat down with branch manager. Provided personal information along with PCN number for application. TD system gave issues for processing application again. 
There seems to either be an issue with the particular branch ( branch XXXX ) or the system is biased and false advertising promotions intentionally!! 
TD credit card practices are deceitful or intentionally targeting specific clients to not process applications thoroughly and properly!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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 to Fair Credit Reporting Act. List of accounts below have violated my rights to privacy. Under 15 USC 1681. Section 602A. I have the right to privacy.

15 U. S. C-section 604 A section 2 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 in report containing the following items of information, other than the convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 A1 A person shall not furnish any information relating to a commercial reporting agency if the person knows or has reasonable cause to believe information is incorrect. 

We bank 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2023-01-11
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Bank accepted federal funds on or about XX/XX/XXXX and now denies the funds to be paid to a servicer XXXX XXXXXX/XX/XXXX -- XXXX XXXX XXXXXXXX my loan service on the same day in retaliation- XXXX received the funds. 

XXXX also sold my loan to another Investor without notice to consumer. The XXXX XXXX is demanding the same amount over $ XXXX from consumer in a fraud attempt and added legal fees given to them by Wells Fargo to bolster the mortgage payment from my agreed monthly payment. 

There were NO legal actions tendered by certified mail to consumer -- NO legal fee balances tendered to the federal housing agency on or before to included in the final check was issued on or before XX/XX/XXXX. 

XXXX continued to refuse to provide the final balance due amounts to the federal housing agency then tendered another mortgage statement or or before XXXX after the housing agency paid Wells Fargo to put the consumer in unsustainable mortgage debt. This action was not action agreed upon by XXXX in acceptance of over $ XXXX in funds to resolve and help homeowner to make sustainable mortgage payments. 

XXXX was working with XXXX XXXX XXXX XXXX that can attest to these facts. 

Consumer credit is at jeopardy and request immediate assistance to resolve this fraudulent activity by Wells Fargo. 

XXXX - Wells Fargo modification was applied by consumer XXXX XXXX- Wells Fargo NEVER sent a denial that forced consumer to go to a federal housing agency for assistance. By law consumer should have received a denial letter.

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 2023-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a card with Capital one Bank I have been paying off for the past XXXX years. I have XXXX payments left and requested a settlement. I reached out to them and they refuse to allow me to settle after I explained XXXX dealing by with a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX. XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, XXXX XXXX I received an email from Navient that my monthly billing statement is available for payment due XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX I paid the bill and received an email for payment confirmation for payment due XX/XX/XXXX. 

On XXXX XXXX at XXXX XXXX  I received an email saying private student loan payment reminder for payment due XXXX XXXX. 

I got to the website to find that they took my {$500.00} payment for XXXX XXXX due date and applied it to all XXXX private loans.. But are also trying to charge me an additional {$310.00} for the same bill claiming I only paid XXXX of the private loans this month. This is false. 

They have done this before, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: WELLS FARGO & COMPANY
State: MN
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:
In 2013 I had joined the XXXX and signed up with a different bank, at the time I had gone into the local wells fargo branch, emptied my account, and cleared all debt/anything owed to wells fargo. A couple of years later I was applying for a mortgage and was told that wells fargo was docking my credit score every month. I went into the local branch and they had told me that I had a charge for like XXXX , they couldn't even tell me what it was for, nor when it was made. As I verified with the bank teller at the time of closing my account, that all debts had been settled. I was never contacted a single time to collect a payment, no phone calls, no emails, no mail, nothing. I just paid a credit repair service for over a year at XXXX $ a month to fight this claim. Wells fargo has continued to deny removing this negative item off of my 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 non-monetary relief
Consumer complaint received 2021-05-07
Company: EQUIFAX, 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:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-10
Company: EQUIFAX, INC.
State: AR
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 several request to the XXXX Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the XXXX credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX AR ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
hi, as we all known SBA was depositing loan and grants in sole propietor account, and i was one of them.Few moths before i got PPP LOANS, EIDL LOANS & GRANTS from them. and i didnt had business account as i drive XXXX AND XXXX and we are not required to have BUSINESS ACCOUNT & EIN NUMBER we can use our social security number. I am driving since 4 years with them. All of a sudden on XX/XX/2021 early morning my chase account is closed for some reason after trying to reach customer service they said it was due to the reason my account was not business account for sba to deposit the funds so please drop your 1099 and 1040 schedule c in nearest branch. After doing it right away now they want me to have EIN number so the can release my funds. I tried my level best to explain the the requirements by XXXX AND XXXX & IRS that drivers dont need to have EIN number. Chase said they gon na hold funds from my bank for 3 weeks which includes my saving account & my wife joint account she is frontline worker and her salary too gets deposited there. Now we dont have money in hand to Pay rent next week and no other source of money. I requested them and explained the best possible way i can but no humanity in them. and they want me to wait for 4 weeks to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: CAVALRY INVESTMENTS, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Cavalry SPV Debt : XXXX The company has served me with papers and issuing me. I did not acquire the debt of that company. 
The date of the charge off according to them is XX/XX/2019. 

I found out about the lawsuit through the mail by another lawyer. I checked the court and was advised that they could not give me information. They only gave me a number and the company name and advised me that I should just pay them. Sound like they were working for them. I served papers a couple months later.

Company response to consumer: Closed with explanation