BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-18
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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Report act, Equifax Credit Information Services INC, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

I sent servals disputes letter to verify my correct address, Name, DOB, SSN and Employer and no action was taken to fix my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Carvana Group, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I purchased i car with Carvana on Sunday, XX/XX/2023. Upon making the purchase i paid a down payment of {$2000.00} which Carvana processed the funds out of my bank account on XX/XX/2023. I have signed a contract agreement for the vehicle with Carvana and was told by one of Carvana representatives that I was good to go all my documents are uploaded they just needed proof of insurance and once I upload the proof of insurance i will get a link verifying my pickup time to pick the vehicle up from the vending machine. I scheduled to pick it up on XX/XX/2023 at XXXX. I was told that someone will meet me at the machine to help me retrieve the vehicle. This was told to me right after we did three way calls so they can verify the deposits and transactions coming in and out of my bank account which i feel is very invasive and none of their business what I spend my money on what funds I have coming in and going out of my bank. The three way calls were done and soon as i hung the phone up from the three way call Carvana snatched my down payment out of my checking account. I have provided Carvana proof of my bank statements per my business, check stubs from both jobs, EIN proof for both of my business, tax returns, and Articles or Organizations for both business. I was approved for the car and was sent a contracts to sign. After being told yesterday XX/XX/2023 that everything was a go i just need to upload proof of insurance I went out today XX/XX/2023 and got full coverage insurance that of course was more funds spent on this vehicle. I uploaded the proof that the vehicle is insured since they will not allow you to pick up the vehicle without insurance. Once that document was uploaded i get a call right when im at work and close to the end of business hours that they need to do a three way call to my bank to verify employment. Mind you this was done twice yesterday XX/XX/2023. I explained to them i was at work and i could not talk at the moment i was told by XXXX i loose the car but they have a signed contract with me, they have my money, and all my proof. At the last minute they have lied and reneged on their end and is not holding up their end of the bargain to deliver the car as promised. I have provided proof of the rep giving me the green light, proof of all task being checked off, and proof of them processing my down payment. But they are refusing to release the car when the contract has been signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: CITIBANK, N.A.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Multiple Fraudulent transactions going to cashapp & ive filed a fraud claim with CITIBANK, they told me the claim was denied because i authorized the transactions but thats not possible. my debit card information was compromised & used without my consent. Over $ XXXX stolen from me & they refuse to give me my money back. this is the worst experience ive had with a bank, i should be covered by Regulation E, i dont know what else to do besides file a CFPB Report. 

The cashapp name isnt even in my name so im confused why my claim was denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been with Wells Fargo for several years. I have paid my mortgage on time. During the Covid-19 pandemic, I divorced and used credit to pay my lawyer, which makes my debt-ratio high. I need to refinance to payoff the debt, but Wells Fargo said no because of my credit score. Again, my credit score is due to my high debt ratio. I have assets and a steady income, and Wells Fargo did not even bother to review that aspect of my financial circumstances.

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 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I have been working hard for several years to get my credit score to a very good place. Even while unemployed for 2 years I kept up with mortgage payments etc. practically depleting my savings. 
In late XX/XX/2021 my TransUnion score dropped 13 points. The reasoning notes associated referred to ontime payments made. This made no sense and I struggled trying to get answers, Before I could get an answer, in late XX/XX/2021 my score increased to the previous good score of XXXX. Note, none of the other reporting agencies dropped my score during this time period. 
Now again in late XX/XX/2021 TransUnion dropped my score 22 points and the only change to my credit report was that I made my mortgage payment on time and decreased the balance. How is this even possible, to pay your bills on time and get a lower credit score. Again, only TransUnion dropped my score, XXXX actually increased my score by 1 point. This is all using the XXXX XXXX scoring system. 

I can not 'dispute ' a score thru the credit reporting bureaus and there is no generic ask a question contact. 
Thank you for any information you may be able to provide.

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
upon reviewing my personal credit reports, i discover lots of unknow accounts I never opened and are currently in collection with large balances. 
these accounts are opened fraudulently on my name, realized it is the reason why I am being denied credit cards and are receiving higher than normal interest rate etc. when i applied for credit cards loans. 
i was referred to this site by a friend advising i can get help to fix the problem. so im submitting this report in hopes of a positive turn around. please help

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : 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 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 2023-08-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXXDOFED ACCT # XXXX FRAUD/REMOVE XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT # XXXX FRAUD/REMOVE USDOE/XXXX  ACCT # XXXX FRAUD/REMOVE USDOE/XXXX  ACCT # XXXX FRAUD/REMOVE INQUIRYS : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 Equifax XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX MATADORS XXXX XXXX XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 Equifax XXXX XXXX - XX/XX/2023 Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that 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. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: WELLS FARGO & COMPANY
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Wells Fargo for violating the Fair Credit Billing Act ( FCBA ) in relation to a dispute that I filed with the company. Specifically, I submitted a dispute to Wells Fargo on XXXX/XXXX/22 regarding a charge on my credit card account. After an extended investigation period, the dispute was closed on XXXX/XXXX/22, and the charges were re-applied to my account without proper resolution of the dispute. 

I believe that Wells Fargo violated the FCBA by failing to properly investigate and resolve my dispute within the required timeframe of 90 days. Furthermore, by re-applying the charges to my account without proper resolution of the dispute, Wells Fargo has potentially violated my rights as a consumer. 

I have attempted to contact Wells Fargo to seek an explanation for their actions, but have not received a satisfactory response. I am therefore requesting that the CFPB investigate this matter and take appropriate action to ensure that Wells Fargo complies with all applicable consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: KEYCORP
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was offered a settlement in full offer of XXXX dollars by XXXX XXXX XXXX XXXX XXXX for my account from key bank that I paid over the course of XX/XX/2021 to XX/XX/2021. They then said to the original creditor that I defaulted and now my supposed debt is at XXXX XXXX XXXX and is almost XXXX. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
On Tuesday, XX/XX/2023, I received an email from XXXX XXXX Transaction Trust Account informing me that my appeal on the previous denial of purchase protection of a lost item, claim # XXXX was denied. The reason they provided was that " facts regarding the exact location of loss at the venue are unknown, '' and don't meet their definition of lost : " Involuntary and accidental parting with property means the unintended separation from an item of personal property in which the item 's location is known but recovery is impractical to complete. '' There reasoning makes no sense as the items location is known, the venue I attended, and recovery is impractical as it required searching through all the venue 's garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: GA
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 am writing to bring a particular issue to your attention that I have been facing with the Credit Bureaus. I am an XXXX individual and have been having a hard time getting a fraud alert removed from my account. 

The issue began on sometime last year. I noticed the fraud alert on my account. Since then, I have been attempting to get the fraud alert removed. 

In XXXX of this year, I contacted the customer service department of my financial institution and explained the situation. I was told that the alert would be removed within ASAP, however, the alert still remains. I have made several subsequent attempts to resolve this issue with the company, reaching out via phone and mail, but to no avail. 

I would like to mention that under the Fair Credit Reporting Act ( FCRA ), I am entitled to have complete and accurate information in my credit report. Moreover, the Fair and Accurate Credit Transactions Act ( FACTA ) allows me to place and remove fraud alerts, which I have found to be a difficult process with my current financial institution. 

The continued presence of this fraud alert has caused me significant inconvenience and has limited my ability to manage my finances effectively. It has also caused undue stress and anxiety, as I am unsure about the status and security of my account. 

I am hoping the CFPB can assist me in resolving this issue by working with the credit bureau to remove the fraud alert from my account. Your assistance in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XX/XX/XXXX These are the dates this Finance Company check my credit without my permission. Ive reached out to this company multiple times with no luck. This is a auto finance company, I have not given anyone my permission to finance anything with my credit nor have I applied for any finance loans. Ive been back and forward with the credit bureaus working on my credit fraud case. So Im contacting this company directly to have these inquiries removed and or deleted off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: MA
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 am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. Please correct the misleading information on these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: VA
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 am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2021-08-01
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/2021 XXXX XXXX {$630.00} I enrolled into real-time rewards for my US bank altitude reserve card. But the charge above was not triggered the redemption system. So I lost the chance to use my reward points to cover this charge with XXXX cents/point rate. 

I have contacted US bank customer service but they refused to redeem XXXX charge with my reward points and did not provide any solutions. 

Please see the attached screenshot showing my real-time rewards enrollment. Car rental is included and highlighted. Apparently, there are issues in their system.

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 2023-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received two emails on XX/XX/XXXX in regard to being enrolled in Online and Mobile Banking with Bank of America as well as an application being approved for a Advantage SafeBalance Banking Account. 

I called Bank of America on XX/XX/XXXX and they confirmed that the account was opened on XX/XX/XXXX and closed on XX/XX/XXXX due to not being able to confirm identity of the account opener. No transactions were taken on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief