BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: GLA Collection Company, Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ; XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # : XXXX has violated my rights.

15 USC 1681 section 602a : States, I have rights to privacy.

15 USC 1681b : Also states a consumer reporting agency can not furnish an account without my written instructions.

This collections account is in direct violation of 15 USC 1692g, 15 USC 1692c, 15 USC 1692j, 15 USC 1681a ( 3 ), 15 USC 1681a ( 2 ) ( b ), 2021 IRS Publication 468, 15 USC 1681n, 15 USC 1681o, and 15 USC 1681e. Take this off my report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Experian Information Solutions Inc.
State: OK
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:
After realizing I had become a victim of identity fraud, I made contact with all three of the major consumer reporting agencies to inform them of this matter. In addition in included several dispute letters and also a copy of an identity theft report. Since reaching out to Experian, they have yet to provide accurate verification and has failed to abide by the Fair Credit Reporting Act. It has been over 60 days and Experian has not blocked or removed the fraudulent account in XXXX XXXX acct # XXXX. I have sent Experian several pieces of documentation including a copy of my driver 's license, social security card, and utility bill with my most up to date current information supporting my claim. Experian has failed to adhere to sections 605b, 609, and 611. It is clear my consumer rights are being violated and continue to be, in addition of my denial of credit due to inaccurate information being reported on Experian 's behalf.

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 2021-09-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian have reported a 30-day late payment indicator on my credit report with the creditor ( XXXX XXXX , Also, know as XXXX XXXX XXXX ) , which is incorrect and is currently showing on my credit report. I have never paid 30-days late and when I contacted XXXX XXXXl , they said that their system is not showing it and that they did not report that 30-day indicator on the account. This is the 2nd time that this done happened to me where XXXX XXXX XXXX have reported that incorrect information of having reported a 30-day late indicator, which I had to dispute this issue before. I want this issue corrected immediately because this is negatively affecting my credit rating with Experian, XXXX, and 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 non-monetary relief
Consumer complaint received 2021-02-09
Company: EQUIFAX, 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 46 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 46 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 Equifax data breach and may have got into the wrong hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting 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:
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  XX/XX/XXXX 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!

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 2023-12-19
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
This is the third complaint regarding Truist Bank, and the second since XX/XX/2023. Please see attached document email requesting information on how to make XX/XX/2023 payment. To date online banking app and website remain incorrect.

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 2023-01-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed XXXX XXXX XXXX collection account with XXXX XXXX, Equifax, and XXXX. All three reporting agencys are still reporting the account accurate. I send all three agencys the receipt from the medical provider Preferred Imaging showing a zero balance and the state from my insurance provide XXXX XXXX XXXX XXXX XXXX Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: MA
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. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am writing to express my objections with the recent experience I had while applying for an Amazon XXXX Chase Visa card. My application reference number is [ XXXX ] dated XXXX XXXX XXXX 

Upon submitting my application, I uploaded my state ID as requested. Subsequently, I received communication from the company 's fraud department, prompting me to verify my identity. Following the provided instructions, I called the designated number, but unfortunately, the operator was unable to fulfill my request. I was then instructed to visit the nearest Chase Bank branch with my ID for further assistance. 

I visited the XXXX XXXX Missouri branch, where I met with XXXX XXXX XXXX. I presented my valid ID and credit cards, and XXXX XXXX diligently worked for several days to facilitate communication with the Chase Fraud Department, aiming to verify my identity. To my surprise, after a prolonged period, I received correspondence notifying me that my application was denied on the grounds of fraudulent information. 

My primary concern lies in the fact that I had presented valid identification during my visit to the Chase Bank branch. The denial of my application occurred only after XXXX XXXX submitted copies of my Missouri State ID, which also confirmed my status as an African-American male. This sequence of events raises serious questions about the timing and basis of the denial. 

I am deeply troubled by the possibility that I may have been discriminated against based on my race, in violation of the Equal Credit Opportunity Act and the Fair Credit Reporting Act. It is disheartening to believe that the actions of an inept fraud determination process, coupled with my racial background, may have influenced the unfavorable outcome of my application. 

I kindly request a CFPB thorough investigation into this matter and a reconsideration of my application. Additionally, I urge Chase to review and enhance its procedures to ensure that all applicants are treated fairly and without bias. I trust that Chase Bank, as a reputable institution, takes such matters seriously and will address this issue promptly. 

Thank you for your attention to this matter. I look forward to a swift and just resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
Me and my wife bank with truist bank a credit card company put a writ of garnesment on her for a credit card that she forgot to pay so the bank froze our account when we found about it we called the company that she owed and explained to them that we just missed it and it was complety our fauilt so they let us set up payments to pay the card off so then they contacted our bank and told them that we are paying the card off and to stop the garnesment at witch time they did it was on XX/XX/22 so they unfroze our account but they put a hold on {$340.00} so i have called the bank and no one can tell us why they have a hold on our account they just tell us to call this number to the lawyer that put the garnesment on us witch we did and he says that he did not have them put a hold on our money and he also explained to them that he sent the leter to them to stop the garnesment witch clearley they got because they stopped it but no one can tell us why the hold is there and they will not give us our money.

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 2020-03-23
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was expecting that I will have a fix payment. I notice an e-mail from Amerihome Mortgage related to the COVID19. When I logon into the page I saw that there were a message saying that something changed when I go through the notifications and my statement I saw an increase in my mortgage payment over {$400.00} and it says that it is due to my escrow balance. I got my homestead exemption and the insurance increases few dollars. Im just surprised and I just can not afford an increase of {$400.00} I just cant afford it so I need that this bank listen and review and research and adjust my monthly payments in a timely manner because I dont want to lose the house. Im not trying to play violins with a drama story but get this house was very difficult, even using a county down payment that I cant payback in the next 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Hello, Thank you for reaching out to me regarding my credit situation. The main reason for me reaching out is because of a recent auto repossession ; it is not the typical repossession. The contract from XXXX on a XXXX XXXX, now with XXXX miles, discovered duplicate monthly payments from two separate accounts. The finance company Capital One Auto Finance in XXXX, TX, did not accept admitting to the duplicate charges. Despite my many unsuccessful attempts, including scanned and faxed bank statements. I reached out to the bank, the OCC, and FTC. The P & I paid a total of over $ XXXX in that period. Since COAF ignored my claims, so was the account. Until they closed the and wrote off the account, that is how it reflects on the credit report.

Along with a Credit Repair service contracted to help by sending COAF letters disputing the account. On XX/XX/XXXX, during a pandemic and recent power outage. The car in the driveway, while charging my phone, a tow truck pulls in and attaches it, and tows it away. Now COAf is charging the alleged $ XXXX balance and repo service feesa snapshot of the current credit situation. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XXXX I went into the XXXX store in XXXX Indiana with my XXXX cousin, because she was looking to purchase a vehicle. I wasnt looking to purchase anything, because my vehicle was almost paid off I only had about {$300.00} dollars left and the truck was mine paid in full. The guy that was helping my son look for a vehicle, but then she decided not to buy from them. So the car sales man talked me into getting a vehicle, and I did the application an it came back that I needed a co-signer an he asked me if I knew anyone that would help me, and I said yes which is when I asked my grandma to and she said yes. Well I got approved with my grandma being the first one on the loan and me second. Not too long after that I found out that I was XXXX  which the XXXX was XXXX XXXX, and I couldnt work so I went to the XXXX store to explain my situation to them, and they told me that I had to speak with the loan company which was credit acceptance and I did to inform them that I was voluntarily returning the vehicle due to me not being able to work because of my XXXX XXXX XXXX I ended up losing my house, and moving in with my grandmother with my XXXX XXXX XXXX So in XX/XX/XXXX I received by mail that I was being sued by them for the remainder of the balance of the vehicle after they sold it in auction for over {$9000.00} dollars. I was not served a court date by the company by law enforcement for any of the court dates. The only court date that I was given was for them to garnish my wages, and I attended the hearing and the lady that came said that she wasnt a lawyer, and asking me so many questions which I answered them honestly informed her that I could not afford to have my wages garnished due to me being the sole provider for my XXXX children and I take care of my grandmother too. She said that she would talk to the company about me making monthly payments that was on XX/XX/XXXX and I have yet to hear from the company. I feel like the XXXX store and the loaner knew that I would not be able to make the payments and talked me an my grandmother into a contract illegally targeting me and my grandmother.

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-09-28
Company: EQUIFAX, INC.
State: TN
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXXrd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid 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:
Good afternoon, Claim number XXXX On XX/XX/2022 I noticed a transaction in my Bank of America credit account ( visa ) of XXXX dollars, I called the bank to find out whats about, the customer service informed me that its related to XXXX airline tickets, I was advised to speak with airline company for more details, I spoke to the company they stated that there was 4 tickets booked from XXXX to XXXX in upcoming XXXX and those tickets were purchased online using my credit card, I informed them that I havent made this purchase and never gave the permission to anyone to make on my behalf and subsequently asked for cancellation where I was told these tickets are not refundable and I should contact my bank since I havent booked them, I called back Bank of America and reported a fraud claim and I admitted that I havent made this purchase, the customer agent cancelled my card and sent a new one and claim was initiated, several weeks later I received an email stating that my claim is not approved bc the airline have my email address and phone number, I reopened the claim again and stated that I havent purchased these tickets, they kept asking if I suspect anyone from the family but I dont if someone else booked them or the airline made these bookings since I have bought a lot tickets through XXXX XXXX in the past, the claim was reopened again and investigations started, this Saturday I received a new email stating that Bank of America is not responsible and will not pay for this. I have been trying to call the customer service but each time I start talking about this issue they hang up or transfer me to a different department. I cant pay for something I havent purchased and Im just looking for justice.

Please feel free to contact me for further information.

Thank you so much for your help and assistance.

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