BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts. I believe that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXXXXXX Balance {$600.00} XXXX XXXX XXXX XXXXXXXX Balance {$7200.00} XXXX  XXXX  XXXX  XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXX XXXX Balance {$4600.00} XXXX  XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX XXXX XXXX Balance {$5700.00} XXXX XXXX XXXX XXXXXXXX Balance {$2900.00} XXXX  XXXX XXXX  XXXX Balance {$2800.00} XXXX XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX XXXX Balance {$2800.00} XXXX XXXX XXXX  XXXX Balance {$2300.00} XXXX  XXXX  XXXX  XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX Balance {$2800.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXX XXXXXXXX Balance {$5800.00} XXXX  XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX XXXX Balance {$4100.00} XXXX XXXX XXXX  XXXX XXXX Balance {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$7500.00} XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00}, must be updated to reflect accurate information on my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX, Account # 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 15 U.S.C 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 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 2023-11-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was covid tester and moved to new place where I tired to get a job. Then my job got reduced and was getting help with supporter. I was patient when i came and told me everything will be take care. There a lot fraud happening since I live in XXXX. i hear they made change owner. I thought everything would changed and stay new life. However, another purchased for job but got no money in from other benefit such hour reduced. I got nothing to hear from them. Therefore, i tired to called and explain that it has been taking care and no need to worried. There no any action, however ; the banker lie to me and puts all the past due over me. Then, I did not get any benefit from hour reduced and had gone into personal health issue. American experess has gone so much issue until I get another new one that I was very careful. Another card I had with no purchased were close. All the XXXX money and my own saving money has used on life purchased and job with family support income. Will there a program call housing assistant? Is the temporary or long term? Will someone come in and open the door? Or someone look into your building? Was this reason you can not have good health account with saving? Yes! The job duty and called to explain but there were a process of these. Were there someone tired to access? I was not sure but american express having update system for new projected. Does it effect your account? It should not effect because it was not your fault. However, they were sending the money over me. So weird!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I bought an XXXX laptop from the XXXX website and I applied for a credit card. Within XXXX minutes of placing the order I canceled it as I got a better price from XXXX XXXX. However, XXXX said I would have to tell the XXXX XXXX I would not accept the package and to have it returned. 

I never accepted the computer, I never purchased anything on the credit card yet they claim I have a late payment which is impossible since I never accepted it and XXXX received the computer. 

I have a late payment on my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04
Company: DriveTime
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Fraudulent Drivetime car sales and XXXX lending Hello, In XXXX of XXXX my husband and I purchased a car from Drivetime. They set us up with a payment plan/loan with a lending company called XXXX. 

Drivetime XXXX XXXX XXXX XXXX, Ohio XXXX # XXXX-XXXX-XXXX / XXXX XXXX and XXXX XXXX On XXXX we set up XXXX as a payee to our account and we sent our FIRST PAYMENT payment on XX/XX/XXXX. However, XXXX was not a recognized entity so a check was send via snail mail. Our banking institution, XXXX XXXX, XXXX, Ohio, verified all of this. A check, indeed had cleared on XX/XX/XXXX but was never processed by XXXX unbeknownst to us? This was our 1st payment. 

XXXX, XXXX Az, I have only an online link. 

On XX/XX/XXXX at XXXX XXXX in the morning and without any warning a tow truck showed up in our driveway. The " gentleman '' who was hooking up our car simply said we had not made payment ... We knew we had, we got to our records in the 15 minutes it took for him to hook up our car, but he refused our records. And, well, we felt threatened, scared is a better word. 

Towing company, XXXX XXXX # XXXX-XXXX-XXXX  Luckily we are in good financial standing. XXXX gave us the run around. The next day we went to our main banking institution for advice. They called XXXX and the person on the phone told the banker and my husband we had 2 options, Pay the full amount or buy the car back at auction. YES, they said to BUY the car back at auction. In the meantime our car was mysteriously sent back to the Drivetime car lot? 

As I said, we are in good financial standing and with the help of XXXX XXXX we were able to pay the car in full. However, XXXX and Drivetime said it would take 14 days to process even though our banker told them directly that the check would be emailed immediately and notarized. But why was our car already back at the Drivetime lot? Just 24 hours after it had been towed? 

After we made payment we took the paper work to the Drivetime dealership directly. We called the XXXX police and they accompanied my husband. I found the car in the lot, license plates already removed. A long story short, they released the car to us and the title was sent in the next seven working days. 

We want to report Drivetime and XXXX as fraudulent companies. What if we did not have the means? What if we were a single mother? Poor ... we do not want to see this happen to anyone else, we were scammed and lucky for us could work through it. 

We have written several letters over the last year and then I came upon your sight. And have great faith you can help. 

If anything additional is needed, I am happy to provide. Many thanks for all you do

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 2021-01-12
Company: Innovate Managed Holdings, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2022-07-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, I submitted a dispute to XXXX, XXXX, and Experian about some accounts that did not look right on my credit report. According to the FCRA, the bureaus must be able to provide the original documentation, we requested, for any and all accounts listed within 30 days. I requested that documentation and did not receive the method of verification within that time frame. 

I then sent a reinvestigation request on XX/XX/2022, to provide them a second opportunity to provide me with the method of verification, and still nothing has been received. 

At this time all three bureaus are in violation of the FCRA and I am filing this formal complaint with the CFPB. The accounts and reason for the investigation are listed below. 

XXXX XXXX This was a pay per delete agreement, but account is still showing on my credit profile. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX  XXXX This was a pay per delete agreement, but account is still showing on my credit profile. 

XXXX XXXX XXXX This was a pay per delete agreement, but account is still showing on my credit profile.

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 2023-01-26
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
For the last few months our business account was charged for insufficient fund fees when money was there. Also, we were being charged weeks later for our purchases that the bank showed that we had already been charged prior too. The months that are in question are XXXX, 2022- XXXX, 2022. We have spent countless days and hours disputing our claims and the only response we received was that we should keep track of our money and mobil banking does not do that for you. We also was told that mobile banking does not show the same amount that the banks system show because of the delay from the merchant to authorize the charge or the bank itself who may be understaffed. Whatever to he reason money has been taken out if our account on numerous occasions with no explanation. We were also told that we didn't have to file a complaint about this matter that the bank would send a letter out. We have yet to receive any letter. It's been over a week.

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 2021-01-12
Company: Experian Information Solutions 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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, XXXX, XXXX XX/XX/XXXXadd a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.

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 2019-04-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX my father took out a reverse mortgage with Wells Fargo Bank. The problem is that I was already om the deed as a joint tenant when Wells Fargo issued the loan. Mrs. XXXX, ( representing Wells Fargo Bank ) called me and said that the loan would not be funded unless I deeded the property back to my father. I told her that I would not do that. 
In XXXX, while XXXX was the servicer of the loan, a foreclosure sale was initiated and rescinded. I was told by HUD that the loan issued to my dad was subprime, illegal, predatory, and not enforceable. 
Fast forward toXX/XX/XXXX. XXXX XXXX ( also known as XXXX XXXX, and XXXX XXXX XXXX ) is suing me for quiet title to my home and judicial foreclosure. 
HUD now says that they can not advocate for me. In XXXX however, they did advocate for me ; they negotiated for Wells Fargo stop collection efforts and pay XXXX taxes. 
I am XXXX and have sought the legal representation in this matter. The home has been upgraded to facilitate my specific physical needs. I live together in the home with my XXXX  sons, my XXXX daughter-in-law, and my XXXXyear-old grandson.

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 2021-01-12
Company: EQUIFAX, INC.
State: GA
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 noticed that i have been a XXXX of XXXXXXXX XXXX for a few years now. ( XXXX XXXX ) placed a XXXX  on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
I opened a TD Bank Credit Card account in2018 to build my credit, and attempted to pay balances off as they accrued. I made a payment of {$130.00} on XX/XX/2018, using my TD Bank account. The payment was posted. 
Just ten days later, I paid the new balance of {$230.00} in full, and the payment was posted. Twelve days later I made another payment of {$100.00}, which again was accepted. 
Unknown to me the first two payments were reversed at some point in time after they had been accepted! First, I have no idea why they were reversed because there were adequate funds in the account to cover the payments, and second, I can not understand why I was never notified that they had been reversed. Third, I do not understand what being reversed even means - I have never heard of it. The payments were made on the bank that issued the card, and they were accepted, meaning the money was there. Then they were reversed? Why? Why was I not notified? 
Had I known the payments had been reversed, I would have corrected whatever the reason was immediately and made the payments on time. 
I didn't realize the payments had not been made until my account was overdue, and TD took action against me. They lowered my limit, and reported that I had two overdue payments due to insufficient funds! THAT IS NOT TRUE! There were funds in the account, and I was never charged an NSF fee. 
I have repeatedly asked TD for an explanation, but after two letters and an E-Mail contact, I have not received one! They seem to be ignoring me.

My position is that TD Bank made a mistake, and that I did made the payments in a timely manner, now the bank is punishing me for their mistake! 
As I said at the beginning of this letter, I opened the account to build my credit, and made every effort to keep my payments current, so this really hurts me. 
Their refusal to provide any explanation or to make it right is unacceptable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I submitted CFPB complaint # XXXX requesting my account be investigated due to a billing error. I gave notice that I, dispute, all past outstanding amounts and, present, or future debts and ask that the account be placed into cease and desist status. Capital one was also notified of several other violations to my reputation including but not limited to late payments and account balances. 

On XX/XX/XXXX Capital one closed my accounts ending in XXXX and XXXX without specific reason or proof for why my accounts required closure or how I may have violated the terms of their user agreement. This was done simply in discrimination due to me exercising my rights under the Consumer Credit Protection act and opening my complaint on XX/XX/XXXX. 

Capital One has continued its abuse by reporting monthly late payments to the credit reporting agencies XXXX, XXXX and XXXX despite my instructions to cease communication for my privacy and due to the lack of sufficient evidence bearing proof. 

Capital one has also sold the alleged debt to a debt collector XXXX who simultaneously reports the same inaccurate information to the credit reporting agencies XXXX, XXXX and XXXX further harming my reputation and opportunities to credit.

Company response to consumer: Closed with explanation