BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-22
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: Public record information inaccurate

Complaint:
I would like to place a formal complaint against Equifax for violating my FCRA rights and my privacy. They have placed a public record on my consumer report that should not be there : Public Record - XXXX XXXX XXXX - XXXX # XXXX. 
Equifax said they verified it but I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. Equifax is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately. The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 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. Failure to Comply or delete this public record from my report is a clear violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Code 1681n - Civil liability for willful noncompliance ( a ) In general, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my credit report. It is unverifiable. Please see also the attached dispute which also points out multiple inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On or about XX/XX/2011 I became a victim of Identity theft and Fraud. I notified the banks in a timely manner that was allowed after the healing process. Captial One started my capital one 360 account online. Once I finally got the card in the mail I noticed the name was in correct and was also a consumer account. I then proceeded to open a capital one Spark business account which was the account that was suppose to opened in the beginning for a small business. Once everything finally matched such as name XXXX XXXX XXXX XXXX, not XXXX XXXX, or not XXXX XXXX XXXX I have documents showing inaccuracies and the documents showing when and how they were corrected for example the company XXXX XXXX XXXX, not XXXX XXXX I notified the bank about this stations it was to the point where my card was even left open and closed by a phone that I did not have in my possession and filed the appropriate claims with the fraud department after they sent me an email inquiring which I never responded so that means YES there is some fraudulent issues here. The amount totaling between the two accounts is over, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Ive called XXXX wednesday letting them know that the address was incorrect and gave them the correct address the fraud department force me to give them a tax return and identification, i stated that driver license address is not current address and gave them current address i have disputed it as well, next day account frozen transunion and XXXX lock my account stating information is not matching XXXX still has not change address have wrong social security number on file still has not change it its been 3 days and its hindering my progress to build my lively hood. Below is the law they are in breach of. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2021-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I RECEIVED SEVERAL COLLECTION LETTERS REGARDING CREDIT CARDS THAT WERE OPEN IN MY NAME AND NOW THERE ARE BALANCES DUE. I HAVE NOT OPENED ANY CARDS BECAUSE I AM UNEMPLOYED AND HAVE BEEN FOR THE LAST 7 YEARS. I DON'T HAVE ANY INCOME AND I DEPEND ON OTHERS TO HELP ME OUT. I HAVE BEEN GOING THRU XXXX AND XXXX ISSUES AND I DON'T HAVE THE CAPACITY TO DO SO. I AM THE VICTIM OF ID FRAUD AND HAVE BEEN FIGHTING AND BEEN HAVING SOME OF MY FAMILY MEMBERS HELP ME CLEAR MY NAME. PLEASE CLOSE THE ACCOUNTS AND REMOVE THEM FROM MY NAME AND CLEAR THEM FROM ALL THREE CREDIT BUREAU REPORTS AS THIS ISN'T ME OPENING AND PU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06
Company: EQUIFAX, INC.
State: AZ
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/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2022-07-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX XXXX XXXX  to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still dont know how or where this debt has been verified. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX XXXX XXXX or the credit reporting agencies.

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 2023-08-31
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a secured card with Discover ( it ) with a XXXX deposit. Six days later I called and told Discover to cancel the account and return the XXXX. I had not received the card in the mail so never used the card. The funds were made from my bank via Savings account ( pic attached ) on XX/XX/XXXX. I cancelled the account on XX/XX/XXXX I was told they could only return the deposit via a check. It's 6 weeks later, I have called at least 7 times requesting my money be returned. Card was never activated and account closed on XX/XX/XXXX. Each time I call I'm told something vague and different from call before. On XX/XX/XXXX I spoke with " billing '' XXXX was told. The lady apologized for my frustration and said she would send a " request '' to have the XXXX put back into my account electronically. She said this would take 48 hours but could be as much as 3-5 days. I gave her my checking account number and routing number. I called on XX/XX/XXXX and spoke with a lady in billing, again, and she told me they never send money back via auto deposit. She said to wait XXXX days. I called again this morning and it was same type call. Absolutely no info on when my money will be returned. I live on a fixed income, Social Security. I need this money, my money, returned asap. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( Portfolio Recv Assoc ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into  a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other  than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my XXXX Given name ( XXXX XXXX  : house of XXXX ). 1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
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:
I HAVE REPORTED THAT I DO NOT LIVE AT XXXX XXXX XXXX XXXX TEXAS XXXX WHICH APPEARS ON MY REPORT DUE TO FRAUD THEY HAVE FAILED TO REMOVE IT FROM MY FILE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: C2 Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for refinance my home. The Loan Estimate gave me on XX/XX/2020 is {$6500.00} for Origination Charge. However, when the loan closed on XX/XX/2020, they change to {$9300.00}. They did not tell me it changed. When I read the loan fee, I complained to Mr. XXXX XXXX. He forced me to sign or he cancelled the loan. It takes more than 1 month to do the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
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:
I applied for a credit card and was denied due to fraudulent accounts reported on my credit history! I would have never been aware of this unless I applied and I am shocked to have even seen such accounts and wonder what's the real process for this to have happened without my authorization or knowledge. I would like these accounts eliminated from my credit history before I seek legal action. I have no money nor time to waste on foolishness. I am irate and in disbelief that not once was this verified before being added to my credit report. Please remove these accounts as soon as possible so that I can build my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have XXXX checking accounts with Bank of America, XXXX is my personal one I have had since XXXX and the other is a shared XXXX my mother added me to at the start of XXXX. Between the XXXX accounts, Bank of America charged me {$3700.00} in NSF & Overdraft fees during the XXXX calendar year, as well as {$7200.00} in " Other Service Fees '' most of which were " International Transaction Fees '' at a rate of 3 % for purchases of cryptocurrency using a debit card rather than ACH transfer to a cryptocurrency exchange. Interestingly not all banks seem to charge that fee at all for such purchases from the same exchanges, and also interesting is I get charged that fee even from Coinbase exchange purchases which is a domestic and publically traded California based business. I feel at the very least I deserve an award for accumulating so much in international transaction fees during a year my passport was expired and that I had never even left the state of California. There are clear reasons why using XXXX transfers creates much more risk with crypto purchases though which is why I avoided using that method to make those investment purchases and I can explain those reasons if you ask me to. I recently contacted Bank of America to complain about the more than {$10000.00} in fees they took from my accounts in XXXX, and they refunded me around {$370.00} to make up for it.

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 2023-07-11
Company: Chime Financial Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX of this year I had my social security money deposited into Chime an online bank. When the money was posted tomy account t was almost immediately taken along with the 4 dollars i had in the account..I immediately called Chime customer service and tried to get them to stop the transaction they refused. total amount taken was XXXX  all the money i had to live on. I filed a dispute with them after waiting almost 90 days the told me the transaction was legitimate and they weren't going to return anything. I.ve tried everything to get them to reverse this rediculous decision to no avail. i have filed a police report I have contacted the Federal Trade Commission and the Social Security Administration about this matter. I asked Chime to send me all the documents they usaed to come to this conclusion the only thing I received was a statement of the activity on the account. I don't see anything that pretains to any sort of investigation. this has caused me tremendous financial hardship

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-11
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I lost my job in JuIy 2012 when I became fully XXXX and could not work. Over the course of the next two and a half to three years I went through the XXXX process with both the VA and Social Security, ultimately being approved as XXXX by both. Over the course of the application process, I was unable to pay my mortgage. My mortgage was ultimately bought by or transferred to NationStar Mortgage. After approval for XXXX by the VA and SSA, I got a mortgage modification with NationStar Mortgage after my approval from the two agencies. In addition to the mortgage amount, they added on a final payment of approximately {$66000.00}. This essentially still leaves me underwater in my mortgage. At the time I did n't feel like I had any choice, because my credit had been damaged. I think this is ridiculous since the issue was caused by an issue beyond my control. I will pay all of the interest associated with my modified mortgage amount. I do not feel it is fair to also have to pay past interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Receivables Performance Management, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NEVER RECEIVED ANY WRITTEN VERIFICATION OF DEBT. I HAVE REACHED OUT TO THE DEBT COLLECTOR SEVERAL TIMES AND STILL NO VERIFICATION.

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 2020-02-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
After I made a full payment to complete my vehicle loan over the phone with the agent on 2/3 in the amount of {$23.00}. The agent confirmed the loan was paid in full and I would receive no further charges and that I would receive the title in the mail in 3-4 weeks. 48 hours after that phone call an additional debit on my checking account was made by Citizens bank for {$22.00}. This was not an authorized charge as my loan was satisfied and my business with Citizens bank had been concluded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am a victim of ID theft. The suspect opened a fraudulent account at venmo and withdrew cash from my bank account. I contacted venmo multiple times to resolve the situation and to obtain information according to section 609 ( e ) of the Fair Credit Reporting Act. Operators were totally uncooperative citing some vague privacy policy. 
Quote from XXXX XXXX at venmo : " XXXX here, I am an Account Specialist at Venmo. I have picked up your case for further assistance. Thanks for sending over your documentation. However since you do not own the account we are not permitted to provide information regarding the account. " Section 609 ( e ) of the FCRA is very clear that in cases of ID theft they must release this information to the victim. 
I provided venmo with the XXXX XXXX police department report and the FTC ID theft report to support my claim.

Company response to consumer: Closed with non-monetary relief