BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-09
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:
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom It XXXX Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address CORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX THESE NAMES DO NOT BELONG TO ME : 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 THESE ADDRESS DO NOT BELONG TO ME : Addresses Select as many as apply XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX PL XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX LAKE XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX FAMILY Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions 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:
From XXXX to XX/XX/22 I have been in the market for a vehicle to be financed for the first time. I was not aware nor did I authorize the amount of inquiries on my credit report. I have over XXXX hard inquiries on my report which is just not attractive to lenders at all. I can recall only about XXXX dealerships Ive been too that I authorized one pull off my credit anything more I did not approve of. Under the the fair credit act nothing can be added or reports to my credit profile I have the power of that stated in 15 U.F.C 1681 A and B

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 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my 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 2018-06-22
Company: Alpine Financial Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My name is XXXX XXXX and I am not sure where to turn. Someone told me that your company may be able to help me. I have been working on some things on my credit file and I believe that is how it started. Yesterday XX/XX/2018 I received a voicemail from a phone number of ( XXXX ) XXXX. The message stated that they needed to come by the house to have me sign a sale document and if I wasn't there they would go to my family members, so I called back to find out what this message was about they transferred me to someone else who stated they were trying to collect a debt from XXXX alarm system. The lady I spoke with stated if I didn't pay they will have a judgement held against us. 

I wanted to speak with my husband first because this scared me and I wasn't sure what to do. I spoke with someone that understands credit and was told that I do have a right to see the break down of fees and get a validation of debt. So today XX/XX/2018 I called the same number and spoke to XXXX he will not send anything that shows a break down and if we do not call him back today and take care of this balance he states do not bother calling back! 
Also he said the person that left me the message doesn't work for them but yet they left the same phone number I never said I would not pay the debt but what I wanted to see was validation of the debt and how they arrived at a balance owed. 

When I called back the number the answered the phone XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My husband and I have separate addresses due to personal problems. We have had a joint account for years before the separate addresses that I don't use. Because of my credit problems I filed a bankruptcy, he did not. I have not worked in years, he's the one who works and makes deposits into this account. Wells Fargo went in and froze my husband 's account with almost {$8000.00} in it. My husband is blaming me and is very upset. My attorney said my bankruptcy  would not affect my husband in any way, but Wells Fargo has frozen his assets. My attorney said they are about the only bank they know of who does this type of unfair practices to their customers. My husband has bills and mortgage and other items to take care of, as well as it being the holidays. Can someone help to unfreeze this 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 2018-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Capital One account # XXXX never sent a bill of sale, im in the military, I turn the car in, and they are reporting negative info on my credit ( {$12000.00} ) & I want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi I had file a claim with bank of America for a gas transaction and two ATM transactions and immediately updated with the bank ... I have a regular paystubs coming into my account..I have a kid too feed who is XXXX year... they denied my claim... how can bank of such big can do this..how am I responsible for fraud..skimmer might have used card anything can have happen..how can they denied it..I want immediately help and my money back... I have been with bank for more than four year plus..

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 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am a victim of some sort of ID attempted theft. I researched how to file a proper dispute. I followed the FCRA and the CFPB guidelines on what information is needed to file the dispute. I filed a dispute with Transunion on XX/XX/XXXX. I received a letter dated XX/XX/XXXX plus days from the receipt of my letter. The letter read that they didn't believe I was me!! Now according to the FCRA and Philbin V. Transunion , LLC, 101 F.3d957, 961 ( 3rd Cir.1996 ) A Plaintiff must prove ( 1 ) an inaccuracy ( 2 ) failure to follow reasonable procedures ; an injury and ( 4 ) the injury was caused by the inaccuracy, " A CRA responding to a dispute must make a good faith effort to determine the accuracy of the disputed item or items. In other cases, the CRA must conduct a reasonable investigation that, at a minimum, would include checking with the original sources '' This is from a FTC staff report XX/XX/XXXX page 76. I enclosed in my dispute a copy of my drivers licence which has my true address, a copy of my social security card as well as a copy of the FTC file that I was advised to fill out by the FCRA and the CFPB. If the Bureaus aren't going to investigate and can simply say we dont believe you are you then what is the point of consumer protection? If Transunion can never afford me the true investigative latitude thats afforded to me by the consumer protection act what then does a consumer 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 non-monetary relief
Consumer complaint received 2022-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited 3 Money Orders in XX/XX/2022. XXXX revoked on XX/XX/2022 citing refer to maker. XXXX XXXX acknowledged checks were cashed on XX/XX/2022. I suspect the bank made a mistake. Images are not available for me to view from the check deposit. Bank is hiding information

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 2022-07-24
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company responded on XXXX XXXX they sent a letter requesting deletion of this account. As of today XX/XX/XXXX, XXXX still show that the account is negatively reporting to their agency PLEASE SEE the previous response from Medical Data Systems : XX/XX/2022 Complaint Case No. XXXX Consumer Name : XXXX XXXX XXXX XXXX : NAME : Medical Revenue Service ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX NO. : ( XXXX ) XXXX Dear XXXX XXXX : Thank you for taking the time to communicate this matter to us. We pride ourselves in maintaining the highest quality standards for each of our clients as well as consumers. We take these complaints very seriously. It is our policy that all complaints undergo a thorough investigation ; and the results of this investigation are as follows : Account number : XXXX XXXX has submitted a deletion request to the credit bureau on the above mentioned account due to incorrect debtor information upon placement in collections. No other contact has been made on this account. Attached is the credit bureau deletion letter and balance letter for your records. If you have any further questions, please do not hesitate to call XXXX to speak to a representative. Sincerely, XXXX XXXX This communication is with a debt collector.

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 2022-07-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602a STATES, I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604a 2, ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 1692d- HARASSMENT OR ABUSE ( 2 ) THE USE OF OBSCENE OR PROFANE LANGUAGE OR THE NATURAL CONSEQUENCES OF WHICH IS TO ABUSE THE HEARER OR READER, ( CAUSING XXXX XXXX ) 15 USC 1692b. ACQUISITION OF LOCATION INFORMATION, ANY DEBT COLLECTOR COMMUNICATING WITH ANY PERSON OTHER THAN THE CONSUMER SHALL- ( 2 ) NOT STATE THAT SUCH CONSUMER OWES ANY DEBT. TITLE 15- COMMERCE AND TRADE CHAPTER 94 - PRIVACY SUBCHAPTER I- DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION SEC. 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION 15 USC 1635 ( a ) DISCLOSURE OF OBLIGOR 'S RIGHT TO RESCIND, AND ( b ) RETURN OF MONEY OR PROPERTY FOLLOWING RESCISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I filed a complaint previously regarding this matter and Chase refused to remove the excess interest they charged me on both my accounts once I had paid them in full, well before the due date. They are saying it is " residual interest '' that is charged between the time they billed me and when I paid the accounts in full. It was always my understanding that if the account was paid in full before the due date, there is no interest to be charged. 

They reduced one card down to {$37.00} on the account ending in XXXX. I paid the {$.00} owed after the remaining balance was paid on XX/XX/2022, well before the due date. when I got my next statement for XXXX, XXXX they had charged me interest on the entire amount previously owed! I refused to pay the {$37.00} and my account balance is now ( again ) {$86.00} with a balance due of {$77.00}. At one time, it was as high as {$100.00}. I'vve been charged yet another {$29.00} in " fees ''. I accidentally made a {$20.00} charge on that card, which I will be changing, and they accepted the payment, assumably, on the " overdue '' amount. 

The second account, ending in XXXX did have a balance of {$5.00} but apparently Chase decided not to try to collect that and my account is now showing a credit of {$.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-22
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, by FDCPA any debt collector must be able to provide full validation : original contract with my signature on, cancel check, contractual agreement with original creditor show that you have the right to collect this debt, .... ).

A screen shot does not constitute an admissible validation according to the FDCPA. Not providing this constitute a violation of the FDCPA and make me entitle to monetary damage of {$1000.00} per entry. Please provide documentation or I will pursue monetary damage and a complaint with Federal Trade Commission will be filed if account is not remove from my credit file immediately.

Thank you in advanced for your quick response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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.

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 2022-07-22
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I want to begin by stating that I am an employee at the CFPB. I have a XXXX XXXX XXXX XXXX which is issued by Comenity Bank. The purpose of using this credit card is to obtain 5 % cash back awards on purchases made at XXXX XXXX XXXX. You can then use the awards in {$10.00} increments while making a purchase at XXXX. The last time I was able to use my awards was on XX/XX/22. Since then the Comenity Bank XXXX Credit Card website posted several messages about a system update creating errors with their system. The awards portal has shown now for a month that they are currently updating their systems and you may see a delay loading your rewards. The account will be updated to reflect your correct earning activity as soon as possible. However, none of my awards have been accumulating on the Comenity Bank website and the BJs website is also showing me a notice when I log in that there is a system issue causing delay in posting awards. I assume this is because of the Comenity Bank issues. Since XX/XX/22, I have made XXXX purchases at BJs totaling {$970.00}. With the 5 % award calculation, I should have earned {$40.00} worth of awards for immediate use. None of these awards have been issued for my use at BJs. The Comenity Bank website shows {$20.00} earned and they have not been loaded onto the BJs membership account. Furthermore, each purchase is supposed to reflect the amount of awards earned per purchase, and since XX/XX/22, it has been showing {$0.00} awards earned per purchase. The last purchase I made on XX/XX/22, finally showed some earnings occurring, but it was not at the correct 5 % amount. The system calculated awards earnings of 1 % on the XX/XX/22 purchase. A representative at Comenity Bank attempted to assist me on XX/XX/22, but had no success in resolving anything as she stated the system issues still need to be resolved and that she could not make any adjustments within the awards portal. Additionally, one of the awards that is showing from the {$20.00} says it will expire on XX/XX/22. If this isn't resolved by then I am at risk of losing it strictly due to Comenity Bank 's system issues. I am requesting assistance in getting my awards situation resolved with Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/XXXX - My XXXX XXXX XXXX that was financed by Santander Consumer was repossessed by XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX - I contacted Santander and located XXXX XXXX XXXX XXXX who I paid {$65.00} to receive my belongings from the vehicle and turned in the third row seat for the XXXX that was located in my garage with the key. ( Encl 5 ) I received a notice from Santander with Sent Via Certified Mail located typed on the document dated XX/XX/XXXX of the intent to Sell Property ( Encl 4 ) I received an Explanatio of Calculation of Surplus or Deficiency dated XX/XX/XXXX from Santander Consumer ( Encl 7 ) On XX/XX/XXXX, I sent via Certified Mail # XXXX, a letter to Santander Consumer, that was received on XX/XX/XXXX ( Encl 1 ). A letter was also sent to XXXX XXXX XXXX via certified mail on XX/XX/XXXX, that was received on XX/XX/XXXX, ( Encl 2 ) requesting that they provide to me a copy of the Certified receipt for the " Right to Recover '' that was sent to me. 

The response from Santander dated XX/XX/XXXX, was received, however, a copy of the certified receipt was not attached. They only provided copies of the documents aforementioned as Encls 4 and 7. ( Encl 3 ) The responses received from XXXX XXXX XXXX are dated XX/XX/XXXX, which states that they were unable to substantiate the allegations in my dispute and if I had additional information or documentation please mail to them. ( Encl 6 ) An additional letter dated XX/XX/XXXX with 81 sheets of paper attached which includes all of the documents from the processing of the loan for the XXXX XXXX. The only pertinent documents in the paperwork are the aforementioned Encls 4 and 7. ( Encl 8 ) Santander Consumer failed to send me a certified copy or statutory overnight delivery per Georgia Code Title 10, Chapter 1, Article 2, XXXX Disposition of motor vehicle repossessed after default ; right to recover deficiency. I send a letter to Santander and the Collection Agency XXXX XXXX XXXX requesting this documentation, but neither were able to provide proper documents. Santander Consumer did create a letter with 'SENT VIA CERTIFIED MAIL '' in bold letters under the inside address, but this does not rise to level of documentation required by the Georgia Code mentioned above. The requirement is clearly set forth that the lender must send a certified " Right to Recover '' notice within 10 days of repossession. I asked for a copy of the signed and dated Notice of Assignment from Santander Consumer which they not their agent was able to provide.

Company response to consumer: Closed with explanation