BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit 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 hired a transportation company in XXXX XXXX airport to take us 21 kilometers. The agreed upon rate was {$60.00}. When I handed the agent my card for payment the screen on the POS system read XXXX dollars USD and I typed in my email address for a receipt because they could not print one from the machine. After I handed back the machine they changed the amount to a highly inflated number and processed the payment. I received a text message from the credit card company asking if I authorized this charge and I immediately responded no, I also called the credit card company immediately to express my concern about being scammed in XXXX. They told me because the charge was still pending to wait and present them with a receipt to dispute. I sent Capital One a copy of my receipt from our driver, the copy of the text message responding officially that I did not authorize this charge, and several pieces of evidence showing the usual and customary charge for a similar route ranging from {$49.00} to {$60.00} which is exactly what we should have paid. All the transportation company sent was a copy of a transaction report showing how much they charged which of course we know that's what they charged however that is in dispute. As a consumer what more could I have done to immediately notify Capital One of the discrepancy? Why didn't they request the invoice of charges along with my signature? Why did I never get an email receipt from the merchant? Why did they not accept the receipt from the driver? From exhaustive research, this is a common practice at the XXXX Airport where they charge a different amount than the verbal agreement and most tourists do not find out until they receive their statement. Then it is too late to fight. However because I was texted and made aware of the charge I immediately notified Capital One that I did not authorize this, why has this been ignored? Why was my phone call not enough to turn our account off or freeze it? Why does the consumer get left with the bill when there is so much clear evidence of being scammed? Why did Capital One instruct me to get a written receipt so that I may dispute the charge in the future when they would not accept the receipt? Just because the scammer sent a transaction report doesn't mean that the charge was authorized. It just shows what they ran the card for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This started when Freedom mortgage took over my account. My first statement from them was on XXXX. First they cancelled my home owners insurance without notifying me. I didn't know this until I tried to purchase another home in XXXX of XXXX  and was informed from my loan XXXX. By that time rates had gone up and the best one I could find was an additional {$600.00} a year. 

Then I received a letter from my insurance company that they were about to cancel me for non payment. When I called Freedom mortgage they said it had been paid. That was a lie. I had to have my agent XXXX way call to get a straight answer so that they would actually pay. 

Now that all this has happened that are raising my mortgage payment from {$810.00} to {$1000.00}. 

My county taxes have also gone up {$200.00} this year. 

So its an additional {$800.00} a year. I don't see how they can get away with charging me an additional {$2900.00} a year.

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 2019-02-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The CRA 's have added fraud alerts and security freezes to my credit reports after I specifically requested they NOT place fraud alerts to my file. This is a violation of FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX CHILD SUPPORT XX/XX/2023 XXXX XXXX To Whom It May Concern : On XX/XX/2023, I received a copy of my credit history report from Experian, XXXX, and XXXX XXXX. That Report contained incorrect information reported by you. 

I contacted the Experian XXXX and XXXX XXXX to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true, and here as follows is the correct information : Child Support - I never had child support in my life. Me and my wife still live together and have our kids under the same roof. These child support payments are reporting inaccurately on all 3 credit bureaus, ( Experian, XXXX, and XXXX XXXX ). 

This negative mark is damaging to my credit. Please contract Experian, XXXX and XXXX , immediately to remove this information from my credit file. 

Please confirm to me within 20 days that you have contacted the credit bureaus to correct this information. 

Thank you for your time and assistance. 

Sincerely yours, 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 2022-12-28
Company: EQUIFAX, INC.
State: CA
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:
i am the living breathing man XXXX. i hereby am filing a complaint against EQUIFAX. EQUIFAX is reporting incorrect information on my consumer report, which has been causing financial damages in regards to my credit reputation, also know as defamation. I would like the Following information to be reported : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Ca XXXX Employment info : XXXX XXXX XXXX Any name or address different from the one above-mentioned please removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Linebarger Goggan Blair & Sampson LLP
State: OR
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I got a letter in the mail today from Linebarger Goggin Blair & Sampson LLP regarding a debt I do not owe, from a state I've never been too. This is malicious spam, I saw from my XXXX search they are repeat offenders. They collected my personal information in order to target me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-02-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In 2018 I was manipulated into a mortgage with Wells Fargo. I had gone into the branch to wire monies for a mortgage and the associate convinced me to do a mortgage with Wells Fargo instead. They offered me an increase in my savings account interest rate ( which they soon later removed ), 2 Wells Fargo associates told me I could make payments every 2 weeks and have those payments applied the date I made the payment, this was my sole reason for doing the mortgage with wells fargo. Then, after I had the mortgage, the bank would not post my transactions on the date sent and instead waited until payment due date. When I opened an investigation, the employees/associates lied and then the phone records were on their personal cell phones so wells fargo investigations determined they could not validate what I was saying and thus I was fraudulently out money. I had a strategy to pay off my mortgage and determined an amortization scheduling using 2 week payment instead of monthly, I showed the associated this at wells fargo and they just lied and went with it, knowing it was not possible and telling me it was. This cost me thousands of dollars and I also ended up refinancing and I had to spend the time and money to refinance to get out from wells fargo blanket of lies and deceit. Friendly faces that lie lie lie and do more lying. Wells Fargo did an internal investigation and determined no case because phone records were personal cell phone by the employee and basically Wells Fargo internal investigation was a joke and a huge waste of my time. They talked really nice and said sorry a lot and then sorry some more but in the end, they did not resolve the matter and left me with the bill.

When I was closing my mortgage. Wells Fargo for my rate lock, also closed 1 business day after my rate lock expiration and charged me an additional 30 days rate lock for 1 business day ( {$710.00} ). The reason for the delay in closing was Wells Fargo internal bank error related. They charged me the extra fee of {$710.00}.

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 2023-07-15
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CCS COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Cease and Desist CCS COLLECTIONS currently has an account listed on my consumer report that is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in the appropriate court venue for damages related to fraudulently trying to collect on a debt that I do not owe. I have never contracted with this company, and I am demanding verification of such alleged debt. Verification is defined as a formal declaration made in the presence of an authorized officer such as a notary public under oath but in the presence of such an officer whereby one swears to the truth of the statements in the document XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I also demand proof that this corporation provides proof that I signed a contract with them. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since you will not be able to prove that I owe your company any money, I demand the following account be immediately removed from my consumer report as this information is harming my credit reputation. The account is as follows : Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX - original creditor XXXXXXXX XXXX XXXX XXXX within 30 days from receipt of this notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX  breach and XXXX have got into the hands of the wrong person.

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 2023-03-16
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX, XXXX. 
Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or the list of inquiries 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 or 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 2022-06-18
Company: LEXISNEXIS
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2022, LexisNexis. Public records information is inaccurate. I understand that LexisNexis does not match bankruptcy information to consumer credit files for XXXX. XXXX performs this matching. As LexisNexis has stated in a document I attached. 

XXXX has given LexisNexis a erroneous match. The address that XXXX match with LexisNexis is inaccurate. 

I have never resided or lived at the address that LexisNexis was matched to by XXXX. Document attached. 

The address is NOT on my XXXX, XXXX, or XXXX credit reports. Therefore XXXX is clearly violating the Fair Credit Reporting Act.

As the law requires I am notifing L

exisNexis that the match is erroneous and inaccurate as the law states. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2. Several people in the United states have the same name and last four digits reporting on a credit report but not the same address at same time. THE NAME, SOCIAL SECURITY, AND ADDRESS MUST MATCH. IF NOT THE INFORMATION IS INACCURATE. Please reinvestigate the bankruptcy match again. Thank you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: GA
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:
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. 

Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018 chase bank end relationship with me because of fraud XXXX checks then I really try to fixed and explain to them they wont let me reopen new account anymore finally all my money were in it I were so starving and hungry so much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have received a total of 3 {$29.00} NSF 's from one transaction that should have posted. On each time that the transaction was presented to be applied for payment, more than sufficient funds were available. Based on the convo that I had with the rep related to the posting order, this transaction should of been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
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: Account information incorrect

Complaint:
I have disputed two accounts on my credit report for inaccurate information which is killing my credit score. 
XXXX XXXX has 2 ( one for {$540.00} and the other for {$1200.00} ) which I have the bank statements to prove they were paid on time every time. XXXX XXXX XXXX now owns them and when i tried to prove to them and Equifax and XXXX with the proof, they deny it and leave it on my report saying I never paid. I have tried since XX/XX/2018 to get them removed but nothing. I feel I need an attorney to go after all of them for the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
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:
HERE IS MY REPORT OF IDENTITY THEFT AND FRAUD I would like everything that i have asked for be removed since i have provided the requested information, and they did not have my written permission to furnish my consumer report, and do not have the right to report this unlawful incorrect information. A written consent as of the " FCRA '' I never gave written consent to any of those accounts.

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 2023-07-30
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Accounts : XXXX XXXX XXXX  Number : XXXX Accounts : XXXX  Number : XXXX 15 U.S.C. 1681 section 602 A. States I have privacy 15 U.S.C. 1681 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 XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person that shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe 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 2023-01-26
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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