BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-30
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: Their investigation did not fix an error on your report

Complaint:
CFPB Writeup I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. This is the 3rd attempt to fix these issue and response These consumer reporting agencies are in violation. According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. And They also didnt even record the current status of the disputed information which is another violation. Also the Metro 2 Format connects " reasonableness '' and " accuracy '' as mandated under the Fair Credit Reporting Act ( FCRA ). 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES I have all the evidence attach below.and also reference to accounts that fall into these claim

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 2023-11-22
Company: EQUIFAX, INC.
State: NC
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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: IL
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:
Unauthorized use of my credit report. I currently have 2 major issues with Equifax Consumer Services ( credit bureau ) One issue is XXXX XXXX, the second issue is XXXX XXXX XXXX  I have been disputing this XXXX XXXX account with Equifax since XX/XX/2021. Equifax keeps telling me that the account is verified. Equifax has not shown me any verification methods, all it says is " verified ''. I submitted yet another dispute XX/XX/2021, demanding Equifax to prove how they verified the account with XXXX XXXX. I called Equifax XX/XX/2021 and spoke with three different representatives, XXXX, XXXX and XXXX, I asked how do the verify accounts. They said, they only report what is reported to them. Equifax said when we dispute an item on our report, they ask the creditor to verify the account and when the creditor verify that information, they tell Equifax it is " verified '' and Equifax marks it as Verified on their end. Equifax said the do not partake in the verification process. 
Next issue is 5 collections from XXXX XXXX XXXX were reported in XX/XX/2021. The balance on these collections were {$340.00}, {$860.00}, {$1600.00}, {$1700.00}, and {$1800.00}. I disputed these collections and all 5 were removed in XX/XX/2021. In XX/XX/2021, all XXXX collections were reinserted by Equifax and all 5 collections now have a balance of {$0.00}. I logged into myequifax.com, to review all of my credit reports from Equifax, and my XX/XX/2021 credit report is missing. I called Equifax and spoke with 3 different people about this issue XX/XX/2021. I expressed to these 3 people, XXXX, XXXX and XXXX, multiple laws they were breaking and the number of violations they were in. I told them I did not validate the debt with XXXX XXXX and I did not validate the debt with XXXX XXXX XXXX  and they need to be removed until I validate them. XXXX kept ignoring my request to NOT submit another dispute, he started another dispute and asked if there was anything else I wanted to add to the dispute and he hung up on me when I asked to be transferred to another representative. All three representatives I spoke to said that there was no trace of the 5 collections being on my credit report prior to XXXX, no indication of the 5 collections ever being on my report or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX incorrectly reported a XX/XX/2021 30 day late to my credit report. XXXX XXXX XXXX XXXX responded that it was XX/XX/2021 and I have attached the statement. Now Transunion needs investigate the erroneous statement. Transunion is not to verify if the account belongs to me! Not verify my name, address etc!!! Transunion needs to follow the federal law to report accurate information. My report says XX/XX/2021 30 days late and XXXX XXXX XXXX XXXX told consumer finance XX/XX/2021! Erroneous reporting is illegal! Investigate not verify account address!

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 2023-11-22
Company: EQUIFAX, INC.
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: TN
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:
I sent a letter asking Experian to investigate my accounts. Here is my tracking XXXX. It has been over 30 days now going on 3 months. 


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 : XXXXXXXX XXXXl Account Number XXXX Account Name XXXX XXXX Account number XXXX Account Name XXXX XXXX XXXX XXXX Account number XXXX Account Name XXXX XXXX  Account number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account Name XXXX XXXX Account Number XXXX ( Original Creditor ) Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account number XXXX Account Name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX  XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account Number 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 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. 
If it come back verified please send me a wet copy of the contract with my signature on it, AND PLEASE EXPLAIN TO ME WHAT METHOD WAS TAKEN FOR THIS INVESTIGATION. because I know that my signature will not be please resolved and Delete from consumer 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 2019-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/XXXX, a fraud was committed against my husband and I. The Hacker got into my husband 's online account and transferred XXXX dollars from his credit card to our personal account, where they then used our checking account to purchase XXXX $ worth of items from XXXX in Florida, several states away. We did not become aware it was fraud until a few days later, when the charge appeared on our statement and went to close the account. The account was immediately close, new cards were issued and new accounts issued. A claim was sent to the Fraud dept. to look over. They denied that it was fraud through the dept. 4 separate times, each time siting incorrect reasoning for denying the claim. I have been calling into the department no less than three times for each claim, so 12 multi hour phone calls have been used to try and get to the bottom of this issue. Each time I am told that I will be getting the XXXX $ back because it was stolen and it has now been over 10 months. Every time I call, I am told that they will fix the problem and that the previous person was misinformed.

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 2023-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I'm filing this complaint against capital for overcharging me with interest fees and cash advance fees I have came to capital one regarding this issue of overdraft fees that are keeping me behind on my account ending in XXXX I had tried several times to apply for a hardship program I was denied each time in which i don '' t know how as well I reported the charge from XX/XX/XXXXXXXX  of {$140.00} as unauthorized from a card I had lost to capital one no one has gotten back to me and this is the charge they are charging me interest for as well as cash advance fees every time I ask to have some interest charges to be wavied they say they cant do it with no explanation all the money I'm paying to my account is going to interest charges and I can't make the full on time payment because of this issue I'm also have been charged back from another unauthorized charge on my account that I reported from a lost card from XX/XX/XXXX XXXX {$170.00} the claims department claim they need more information I have given them all the information they needed even informing them I do not own a vehicle so the charge is not valid I'm asking for help with this account for a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear Equifax, Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 

My current address is XXXX XXXX XXXX XXXX, XXXX XXXX Previous address XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXXXXXX 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 Please remove the following addresses from my report as I have not lived there for the past year and dont collect mail there anymore. 

I will await an updated copy of my credit report to reflect these changes. 
Thanking you in advance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SS # XXXX DOB XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07
Company: PENTAGON FEDERAL CREDIT UNION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2021 at XXXX XXXX, I got a text message from XXXX about a fraud alert in the amount of {$140.00} to PenFed Credit Union. I called XXXX and told them that the charge wasn't valid. On XX/XX/2021, I got a form from PenFed CU in the mail showing a new account number and thanking me for joining. On XX/XX/2021, I got a letter in the mail from PenFed CU that said a stop pay request was placed on a check. On XX/XX/2021, I reviewed my credit report and saw the PenFed CU account on it, with a XXXX balance. I put a dispute on my XXXX information. On XX/XX/2021, I called PenFed CU and was told that there was an account under my name and social security number, but that it had a different email address as a contact. I put in an identity theft report with PenFed CU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I had sent a letter to the three bureaus. I asked them to verify and remove some accounts that were in error on my report. I have not received any results or information back from them in 4 months.

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 2023-11-19
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I notified my mortgage servicer that I had lost my job and wasn't able to continue making mortgage payments while unemployed. 

They approved me for an XXXX XXXX XXXX. There was very little information on the website about processes and procedures. Additionally, I received no information as to timeframe of acceptance AND my mortgage servicer continues to report my non-payment on my credit report even though they're not supposed to. 

I spoke with them in XXXX and noted that they are reporting the past due status on my credit report and was told it would be taken care of but it has not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent all three credit bureaus XXXX level of dispute letters and contacted each creditor reporting inaccurate negative items on my credit report. Each time i have either no received a response or it came back verified without explanation on how it was verified and how did they prove it was my account to begin with. Both the creditors and Credit bureaus have been in complete violation of my rights writing in the Fair Credit Reporting Act and causing me to have a tough time obtaining knew credit. Below I will list each of the creditors that i have sent validation letters to and received nothing back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Collins & Hilton Asset Group, LLC
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an auto loan in 2013 through a company. I paid the loan for two years, but also told the company that the dealer sold me a lemon. The truck didnt work anymore. I paid the loan down to about {$390.00} and I had a XXXX. The loan company stated that if I let them get the vehicle once its sold that should cover my balance owned. Now 5 years later a debt collector says I owe {$8900.00} for unpaid debt. I tried to explain, but they dont want hear it. I only paid {$12000.00} for the truck back then. They are scamming me and I cant do anything about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In the month of XXXX, Wells Fargo Bank closed my personal account # XXXX XXXX XXXX and my business account # XXXX under the name XXXX XXXX XXXX both at the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX, after the closing month of WELLS FARGO BANK where they were supposed to send me the funds and I called them and they told me that the checks deposited in my account came from the XXXX XXXX of the company XXXX XXXX XXXX were cancelled. I contacted the owner of said company and we assisted her bank to verify if this was correct and it was not, nor did her company make the request for the reimbursement of said funds, nor did the XXXX bank itself do this, that is, wells fargo has the money and XXXX can't do anything, and I tried to get the WELLS FARGO bank to give me my money which they have and they have refused to do so. my personal and business account were finally closed on XX/XX/2023. # XXXX XXXX XXXX {$15000.00} and # XXXX XXXX XXXX  XXXX {$42000.00}. 

Even as of the current date XX/XX/2023 I have not obtained my funds from my WELLS FARGO bank 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 2023-03-15
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I received a notification that my Ally debit card was charged four separate times ; the first merchant XXXX  based in FL in the amount of {$190.00} was Debited, the 2nd a Mobile Wallet Update out of XXXX XXXX for {$0.00} which was Declined, a 3rd from XXXX  for {$110.00} also Declined, and a 4th transaction by XXXX XXXX XXXX for {$39.00} out of MD which was Debited. ( There was also a record of a purchase we did make for {$44.00} at XXXX in NY where we live and were at the time of these fraudulent debits ). I received this notification via email and text asking if I authorized the transactions above because Ally flagged them as suspicious. I immediately responded, flagging all the transactions including the two that were debited as fraud. My debit card was closed and the transactions were credited to my account by Ally. I called the company ( XXXX ) listed to see what the charges were for ( they had no website ), and the company had no record of any of my informationno account or orders under my Name, Phone Number, Address. The fraudulent company then asks me for my full debit/credit card number to do a more thorough search ( yeah, right ). 

THREE months later on XX/XX/XXXX, I receive a letter in the mail stating Ally conducted an investigation and their findings concluded the merchant provided sufficient documentation stating the transaction was authorized and Ally was re-posting the {$190.00} provisional credit and reversing their decision on XX/XX/XXXX ( that same day ). I had since pulled all money out of this account because Ally has yet to send me a new debit card after requesting a new one 3 times and for a whole month after this incident. No new card was ever sent to me ( this is an even longer story ). Because I had virtually no money in that account, my account was drawn into the negative because of this incorrect reversal. I immediately call Ally back to request a copy of the documentation they received and gathered to make this determination. The customer service reps says he isn't able to see " any documentation that shows how the transaction was authorized '' under my dispute number like the letter states. The customer service rep states he needs to escalate this up to his supervisor. I get placed on hold, I then ping pong from department to department, unable to get any further clarity on why the decision was reversed. I also call the fraudulent company again to ask what information they have of mine. They have none and no receipt or confirmation that I made a purchase ( they ask me for my full debit card again ).

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