BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-18
Company: Veristone Mortgage, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This is what I believe to be construction finance fraud by a private " hard money lender ''. The lender is based in XXXX  State where it is registered as an LLC. It reportedly does business in all 50 states, including XXXX  where it is also registered as an LLC in good standing and where this scam occurred. 
In XX/XX/2019  I contracted with Veristone Capital LLC to provide construction financing for a single family residence near XXXX, XXXX  which I determined to sell. The agreement involved their providing construction funds in the amount of {$450000.00}. My contribution to the project was {$170000.00}. Construction began in XX/XX/2019. Very early on I began to experience difficulty in getting construction funds from them. At one point the excavator/concrete contractor abandoned the job due to funds not being provided and threatened to place a lien on the property. This abandonment ended only after I kept after them to pay the contractor, which they eventually did. Fast forward 2-3 months to when the framing contractor started and also was not paid as promised, threatened to file a lien, abandoned the job for over a month and a half, until I could finally get the lender to pay up. This damaged my working relationship with both contractors. Both contractors told me they had conversations with the lender and both stated they were lied to by the lender. Concrete and framing were both completed, or nearly so by the end of 2019 when the lender again began to slow pay and eventually stopped altogether. by this time lender 's investment totaled approximately {$270000.00}, leaving the project approximately {$190000.00} short. Although the house should have been completed in 9 months we have recently passed the one year mark and the note is due. Insofar as I was not provided the funds to complete the project, I have been unable to finish and sell. My expected profits upon a completed project should have been {$220000.00} to {$270000.00}. There is much email communication from me which memorializes the difficulties I had in getting funds from them and my belief that they never had the funds to begin with. My strongest belief is that they did not have the funds to lend but it is also possible that their intent was to provide only enough funding until they could step in and foreclose because the money lent could not be repaid. Either way, they breached the contract to lend and thereby created a situation to set me up for foreclosure. Although I have a great many emails, I'm attaching some of the more recent to lend support to this complaint. the name of the XXXX  based senior sales representative is XXXX XXXX. My main source of contact after the agreement was entered into is XXXX XXXX, Customer Service Representitive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Atlanticus Services Corporation
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card with Fortiva. I obtained it in XX/XX/2022. I am in the process of rebuilding my credit and was aware of the {$170.00} first year annual fee which would be reduced to {$49.00} for the second year and years thereafter. Looking at my statement today, I discovered Im being charged a monthly {$12.00} account maintenance fee. When I asked why, I was told that when the 2nd year begins, the annual fee drops to {$49.00}, and the monthly account maintenance fee of {$12.00} is charged to provide basic services, such as online chat and other things, to which I pointed out that I have other credit cards that provide such services without charging any fee. Then I did the math- {$49.00} + {$150.00} ( XXXX. for XXXX months ) equals {$190.00}. Thats an extra XXXX XXXX over the first year {$170.00} annual fee! I think this is a major deception by Fortiva to gouge their customers, many who, like me, arent even aware theyre doing it. Fortiva makes it sound so appealing- {$170.00} for the first year, {$49.00} after - and no mention is made of the {$12.00} account maintenance fee that gets charged after year one that puts almost {$25.00} extra per month per customer in Fortivas pockets.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lived at XXXX XXXX in XXXX, SC for 6 months while my home was being built. There was a tenant in there prior to me who needed to break their lease and so I came in and took over the lease. The apartment was cleaned but not checked thoroughly, such as carpets being lifted. to ensure damage was not done by prior tenants. I moved out of XXXX XXXX XXXX of 2019 and the apartment was immaculate. I received an email XX/XX/2019 stating that XXXX was taking my {$600.00} deposit and charging me an additional {$740.00} to replace the carpet in the apartment because of XXXX stains. On XX/XX/2019 I emailed them back letting them know I did not have a dog to cause the damages that they showed in the pictures and it was probably from the tenants prior to me. I even sent them pictures of where my table sat that even if I did have an animal, there is no way it could get in that area. They wrote back on XX/XX/2019 stating because I signed the condition of statement and marked all looked good, I am going to be the one who is going to pay for the replacement of the carpet. I called and try to explain that if I were given the option to lift the carpet up to look for stains I would have, but the stains were not visible on the surface, so yes I I marked that all was good. I was told that the carpet was never checked ( lifted up ) in between the old tenants moving out and me moving in. I have since gone back and forth with them for a year and and half. I also called XXXX XXXX, XXXX XXXX, which is their management company and left very detailed messages and never received a call back. When XXXX, XXXX XXXX, put this into collections, I put a dispute in with the collections company but to no avail. I am now selling my home and buying another. My credit is perfect without any marks. My loan officer called and asked what is this collections thing on my report. I almost started crying on the phone. Because of this, my credit which is around 815 is now XXXX  and my interest rate for my mortgage right now is going up because of this. I want to report this because I am being made to pay for something that is not my damage and they have not once listen to what I have had to say. This needs to get off my credit and not ruin what I have worked so hard for my entire life.

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 2023-05-10
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We had a mortgage with Wells Fargo and the home was foreclosed on in 2013. We were actively trying to complete a loan modification. 

We believe we should be eligible for a payment from the Wells Fargo settlement but have not been contacted or received anything. 

We contacted a Wells Fargo customer representative at XXXX and were told Wells Fargo is reaching out to customers and they were unable ( or unwilling ) to provide any additional information. 

Therefore, we are submitting a complaint to the CFPB.

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 2022-04-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The Equifax and XXXX Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXX Balance : {$720.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$61.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: BB&T CORPORATION
State: MD
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:
I was charged on five separate occasions in XX/XX/2018 for some special orders at XXXX XXXX. I filed a dispute about these fraudulent charges. Submitted more than enough evidence to show that the charges were fraudulent and BB & t determined after their very poor investigation, that I would not get any money back. This is a scam. BB & t must be working with XXXX to generate fake charges. I have since hired a lawyer and a lawyers have sent letters to BB & t and BB & t did not reply so my lawyers advised me to file a complaint on this site. I am out almost {$630.00}. Bb & t is horrible

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 2023-05-25
Company: EQUIFAX, INC.
State: VA
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 a accordance with fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Equifax : 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 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 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 an 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 1681 s-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 their information is inaccurate Someone needs to hold them accountable for this the credit bureau have no respect for the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act Comenity Bank/forever21 acct # XXXX has violated my rights on Sept 2023 15 USC 1681 Section 602 states I have the right to privacy.

15USC 1981 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX Companies {$3700.00} XXXX Companies {$2100.00} XXXX {$220.00} XXXX XX/XX/XXXX XXXX was contacted by attorney for payment settlement offer and respones exceeded the insurance for pay out. XXXX opened XX/XX/XXXX & XX/XX/XXXX. Settlement with XXXX company was on XX/XX/XXXX. My attorney contacted XXXX XXXX, XXXX ( XXXX XXXX ) numerous times to no avail. I directed them back to my attorney and have since received numerous calls at all hours of the day. 

XXXX XXXX  XXXX XXXX {$53000.00} XXXX XX/XX/XXXX XXXX was contacted about student loan forgiveness application being submitted. They steadily increase the interest which has risen from {$33000.00} to {$53000.00}. XXXX Opened XX/XX/XXXX. XXXX closed down citing financial challenges and accreditation issues. No transfer of credits. XXXX XXXX debt clean. 

In accordance with the Fair Credit Reporting Act Convergent Accounts XXXX XXXX, XXXX and XXXX XXXX. of XXXX have violated my rights. 

15 U.S.C1681 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 an account without my written instructions.

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 2023-05-10
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried several attempts to have them remove the debt from my report. I have sent letters and now I have filed a complaint as well. Please verify or remove from my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: CarMax, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act this creditor has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
On XX/XX/2019, I responded to a Capital One promotional flyer for applying to obtain a credit card. I authorized one and only one inquiry. Per Capital One I was denied the Credit Card. 

To my shock when reviewing my credit report this week, it reflected two seperate credit inquiries. One I  authorized on the XX/XX/XXXX and another the next day XX/XX/2019. 

I did not authorize an additional hit to my credit. I called Capital One and after being transferred spoke today, XX/XX/2019 at XXXX to XXXX and then to XXXX . I was told to write a letter to Capital One i n XXXX XXXX XXXX Utah and they would investigate the situation. I told them I would like an email or phone number to call as this was very serious to me and that it was Capital One 's Fault and not mine. Who in their right mind would be denied credit on the XX/XX/XXXX and run their credit on the XX/XX/XXXX? 

I find this response to their error aggregus. I am a Senior Citizen and should not be treated this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act Comenity Bank/Ulta acct # XXXX has violated my rights on XXXX XXXX 15 USC 1681 Section 602 states I have the right to privacy.

15USC 1981 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
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 Account ( XXXX ), XXXX account # XXXX, XXXX XXXX account type other ( collection ), XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXX XXXXXXXX account # XXXX, violates 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 : States a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-22
Company: Augusta Collection Agency, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XXXX XX/XX/2022, AUGUSTA COLLECTION AGC flagged my account as Collections for a {$56.00} balance. I have never heard of this company, they have never spoken to me in person about the debt, they have never spoken to me by telephone about the debt, they have never mailed me a letter about the debt and I have never received an electronic communication regarding the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: TX
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX accordance with the Fair Credit Reporting act 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, 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

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