BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: MI
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:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 

XXXX XXXX XXXX reporting on all 3 bureaus inaccurate XXXX XXXX  XXXX reporting on all 3 bureaus inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting on all 3 Bureaus inaccurate XXXX  XXXX reporting on all 3 bureaus inaccurate Independent emergency physic XXXX Reporting on all 3 bureaus inaccurate XXXX XXXX XXXX XXXXXXXX **** reporting on all 3 bureaus Is inaccurate and it keeps being removed then added back which is breaking another law which ( Equifax ) should be fined, its obvious the multiple inaccuracies where shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should 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 2022-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
In accordance With the Fair credit Reporting Act XXXX XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 Section 602 states I have the right to privacy. 
15 USC 1681 Section 604 A A customer reporting agency can not Furnish a account without my written instruction 15 USC 1666B : A creditor Can not Treat a payment on a credit card account Under an open end Customer credit plan as late for 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 explanation
Consumer complaint received 2020-12-15
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX, I purchased my lease on my XXXX XXXX from XXXX in XXXX, NJ. On XX/XX/XXXX without any prior warning the transmission went on the car while driving it almost causing us to get into two different accidents. The car had XXXX miles at the time. I called XXXX to get the car fixed they refused and advised it would cost me {$5500.00} and stated the car no longer had a warranty, called Ford Motor Company was told I no longer had a warranty, called various transmission companies to get quotes they were ranging between {$3300.00} and {$5500.00}, there was no way we could afford it and my brother XXXX who is a mechanic advised it was a known problem with the car and even after being fixed would continue to have issues. Did lots of research and found this car was notorious for transmission issues, yet XXXX did not recall any of these car and in the case of the XXXX XXXX preferred to pay out settlements instead of recalling. I worked in good faith to try to get them to fix the car, but to no avail, finally I voluntarily relinquished the car to XXXX XXXX. Especially after the manager at XXXX told me I had to buy the car due to the miles on it. There assumption is that I was XXXX XXXX and the reality is I was helping my nephew who has XXXX XXXX and my son who has XXXX and both require weekly treatments in XXXX. They also said that XXXX miles was a lot of miles, really for a car XXXX XXXX XXXX, who are they kidding I had numerous cars with XXXX, my XXXX XXXX has about that now. I had it with excuses and bogus reasoning not to do the right thing and I was paying the car note and insurance to have a car sit in the driveway for 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: DE
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:
Equifax is in Violation of my HIPPA Rights. The HIPAA Privacy Rule is a federal law that gives me rights over my health information and sets rules and limits on who can look at and receive your health information. The Privacy Rule applies to all forms of individuals ' protected health information, whether electronic, written, or oral. The HIPAA Security Rule is a federal law that requires security for health information in electronic form. In addition, the Patient Safety Act and Rule establishes a voluntary reporting system to enhance the data available to assess and resolve patient safety and health care quality issues, and provides confidentiality protections for patient safety concerns.

EQUIFAX continues to report inaccurate information on my consumer report. a medical collection on my consumer report. This is not my account which I told them back in 2018. ( FCRA 15. U.S.C 1681 section 62.3 ) not only have they violated my HIPPA rights they AGAIN have violated the FCRA which protects consumers from inaccurate credit reporting. I also OPTED out of any reporting with this company. Under 15 usc 1681 section 602 states I have the right to privacy! I no longer have a contract with EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Social Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I did an on-line chat to get the address to send my payoff amounts for my XXXX loans. My normal address is a po box that you can not overnight payments. I sent in the payment to that address via fed ex with a tracking number. When the loans did not payoff timely, I called in to status. The customer service agent told me that they would forward to the proper address via regular mail and could take another week. I am confused why they would internally send payoff funds via regular mail to another one of their offices. After calling in 2 additional times, they finally told me to stop pay and reissue which I did. I asked to have the payments post dated to not pay any additional interest due to the error of the on-line rep. They did indicate this was an old address for them as I did not make it up. Now, they have asked proof of the on-line chat that they do not have stored in their system. I tried to log on to find it but they do not save the history for customers. I am at a loss as to how I can " Prove '' this conversation to them when they do not keep these records. They have told me that they will not back date and I also had to make payments on both loans that they are now sitting on because of the time delay so I would not be reflected as being late. I just want to be refunded the interest due to their error and do not understand why this is so hard and I have to prove to them the on-line conversation. They also need to strengthen their handling of payoff funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Freedom Mortgage Company
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage Corporation has unrealistic wait times for mortgage payoff statements. They require 10 business days and if any information is missing from the request they do not contact anyone they just do nothing. Then when I call to follow up after 10 days they tell me the signature isn't dated and the 10 day process starts over. This has caused many of our clients to be unable to close on their sales due to this practice.

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 2021-05-05
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
OnXX/XX/2021 BB & T processed check numberXXXX for the amount of {$1000.00} and onXX/XX/2021 they processed check number XXXX for the amount of {$2300.00}. The checks in question were stolen. They were cashed by XXXX XXXX and XXXX in XXXX AL. I filed a police report for the theft of the checks with the XXXX, AL Police Department on XX/XX/XXXX and another report in XXXX Al on XX/XX/XXXX for check fruad. I also filed a report with BB & T. On XX/XX/2021 I received a letter from Centralized Fruad Claims denying my claim because of negligence in safeguarding access to account information and/or financial documents.

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to dispute certain mistakes and errors present on my credit report. I have carefully reviewed the information contained in my credit report obtained from your agency, and it contains inaccurate and misleading information. 

I kindly request that you initiate an investigation into the following disputed items : -- TRANSUNION -- 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

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 2023-04-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to access my 3 credit reports since last XX/XX/2021. I tried several times since that date but was only abler to retrieve Experian. I have made sure all of my address are correct with each credit agency. I have a case number from Experian but no one has fix the issue ( 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 2022-06-13
Company: Bread Financial Holdings, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2020 we mailed XXXX XXXX a cancellation letter for the contract signed on XX/XX/2020. We were not able to certify the letter due to COVID lock- down. We even spoke to their representative - XXXX at ( XXXX ) XXXX to notify him of the cancellation. To this day, both XXXX XXXX and its representative deny receiving the notice of cancellation. The contract was process and Comenity Bank paid XXXX XXXX {$12000.00} dollars for the timeshare. Which now results in a credit card debt with Comenity Bank. We have attempted to resolve this by emailing XXXX XXXX and Comenity Bank both say we owe. We tried to give XXXX XXXX our paid in full timeshare through XXXX XXXX in XXXX, MO ( which XXXX XXXX now owns and we paid {$10000.00} ) and XXXX XXXX said they would not accept it to paid back Comenity Bank and close our accounts with them both. We have not paid anything towards this debt with Comenity Bank because XXXX XXXX fraudulently processed the contract after being notified of the cancellation. We have enlisted the help of the XXXX  Attorney General office and nothing has been done to resolve this issue. XXXX XXXX has received monies fraudulently on our behalf and refuses to correct the issue by simply canceling the contract and refund the funds back to Comenity Bank. We have not taken a vacation since this issue. This could have been a simple fix, but XXXX XXXX refuses to do the right thing. No monies have been paid on this debt with Comenity Bank. This debt continues to draw interest and have a negative effect on our credit. Please help us to resolve this issue with XXXX XXXX vacation and Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This credit bureau refuses to delete information on my credit report that occurred as a result of fraud. I sent them my FTC identity theft report along with a copy of the police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
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 am requesting that it will be removed from my credit report as soon as possible.

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 2022-10-27
Company: TransferWise Ltd
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
We are a company who does legit business. We have a brand and we sell physical products in XXXX and other online marketplaces, including our own store. We have been using Wise since a few years ago for sending money to suppliers and receiving money from XXXX marketplace sales. 

We haven't been engaged in any 'ilegal activities '. For that reason, I am surprised about the account deactivation with no reason. I have read all Wise terms of service, and the only thing that could be a reason to close our account is that we had another account for our previous company. However, that company is no longer active and I remember I asked Wise permission to open this second account for our new company. 

I would really appreciate if you could let me know the reason for account deactivation, or if it is an error. I am ready to send you whatever document you need to re-open the account. We are really proud of using Wise and it is very important for our business needs and operations. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: WELLS FARGO & COMPANY
State: LA
Product: Credit 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:
My Wells Fargo credit card was charged {$1500.00} on XX/XX/2023 for XXXX Web services. I was initially contacted by the company via text message for possible fraud. I initially did not respond because I thought this may have been a phishing attempt, but when I noticed the charge on my statement I immediately contacted the company, perhaps only a day later and initiated a fraud claim. They issued me a new credit card, however, the charge was posted to my new credit card and I never received a credit for the amount that was fraudulently charged to me that I had paid when I paid off the balance 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 explanation
Consumer complaint received 2022-12-07
Company: Maximus Education, LLC dba Aidvantage
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom this XXXX concern, I just recently discovered that there is some unauthorized information in my name being used on my credit report and would like to file a dispute. This information is unauthorized, and I do not approve for it to be reflected on my credit report. It is inaccurately reporting on my XXXX credit profile, as it does not show upon my XXXX and XXXX credit profiles. I believe that I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized. I have tried numerous times to contact this well as XXXX regarding this inaccuracy. I have sent a cease and desist, XXXX XXXX XXXX, XXXX XXXX letter asking to accurately verify this collection/debt through certified mail also explaining my rights and consumer laws that have been violated by their company ( XXXX ). I have received XXXX results from these company ( XXXX ). I am insisting that they be deleted from my credit report as soon as possible. There is no proof of my authorization or consent, my signature or proof of debt/contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions 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:
I did not give consent for Experian, XXXX, XXXX, XXXX and XXXX logic to report my credit information. Somehow they all have reported my credit all of my credit information without my written consent which is in violation of my consumer rights ( 15 USC1681 ).

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 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have an account with XXXX XXXX and the have a subsidiary called XXXX that did a hard pull on my credit which negatively impacted my credit score. I have never had any dealings with XXXX, nor applied to rent anywhere. 

XXXX XXXX is aware of this and notified me by email after the fact. They acknowledge it was an error, but the negative impact on my credit remains. I have not been able to reach anyone at XXXX to assist.

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 2021-12-27
Company: Square Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a cashapp account XXXX XXXX that has a balance of a few hundred dollars. I got a new phone for XXXX. I wanted to transfer my cashapp account to the new phone. I logged out of my cashapp account in my old phone. I attempted to log into my cashapp account in my new phone and during the authentication process I receive a prompt stating " we're sending you a link ''. However, no link appears in my email or text messages. Without the link, I apparently can not log in. Now I can not log in to my old phone or my new phone and can not access my funds. 
Section 3 of the terms and conditions states : " In case of errors or questions about your account, you can Contact us through your Account in the app ''. However, I can not log in to contact support. Section 3 also states : " You can also call us at XXXX ... ''. However, when I attempt to call that phone number, a recorded message says they are too overwhelmed to answer calls and that I should log in using the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
THE INFORMATION ATTACHED TO THIS COMPLAINT IS IDENTIFIED AS IDENTITY THEFT AND IS NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THESE CHARGES. I AM REQUESTING YOU BLOCK AND DELETE THE INFORMATION. MY REQUEST IS NOT MADE IN ERROR NOR IS MY REQUEST IS RESULT OF MISREPRESENTATION.

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