BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: OH
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:
The account is paid off. I have screenshots to prove it. Additionally, XXXX has released the vehicle title which is now in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a letter XX/XX/XXXX that my application for credit card through Truist Bank, where I have a checking account, was denied. The letter gave a contact phone number to request reasons for denial. I called it XX/XX/XXXX and was told I had to call back the next day which I did. On that XX/XX/XXXX call, I requested reasons for denial and was told I would receive an Adverse Action letter within 30 days. Still no response as of XX/XX/XXXX, I called the contact number. The rep said she could see my request of XX/XX/XXXX was logged in but could not see that a response letter had been sent to me. I notified her that they were in violation of the ECOA and FCRA. She said she would check the status and call me back. I have never received a call back or explanation for the credit denial. On XX/XX/XXXX I mailed a letter to them providing this same summary and written notification that my ECOA/FCRA rights have been violated and copied CFPB. I expressed concern that I was discriminated against because I am a retiree who relies on my substantial assets in lieu of employment income, that their lack of compliance with Federal regulations furthers my discomfort and that I look forward to their written response. To date, I have received no response from them.

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 2020-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Capital one refused to close my card despite fraudulent charges on the account, including charges made by them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: Accurate Background
State: MD
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:
I have a previous XXXX XXXX XXXX dating past 7 years. I applied for employment and record discloses information past the legal limitation in my state of Maryland.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: T.S. Holdings
State: GA
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:
I am writing to inform you of your violation of the Fair Debt Collection Practices Act ( 15 USC 1692 ) and to demand the immediate cessation of all communication, collection activities, and reporting to credit reporting agencies concerning the alleged debt. 

Under 15 USC 1692, you are required to adhere to specific rules and regulations when attempting to collect a debt. It has come to my attention that you have failed to comply with these regulations by engaging in [ describe the specific violations, such as harassment, misrepresentation, or unfair practices ].

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My XX/XX/XXXX bank statement shows transactions through XX/XX/XXXX. Transactions on the following statement for XX/XX/XXXX begin on XX/XX/XXXX. There is a 10-day gap in reported transactions at year end, which is indicative of one or several transactions taking place at this time XXXX XXXX to XX/XX/XXXX XXXX with a net zero effect on account balance that the bank was able to affect but did not 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 2021-05-14
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my mortgage with Freedom mortgage. The closing was done on XX/XX/2021. The paperwork stated e loan will be disbursed on XX/XX/2021. I checked on XX/XX/2021 with my existing mortgage servicer and I was informed the loan had not been paid off. 
I called freedom mortgage and I was told the loan would be disbursed on XX/XX/2021. I kept asking for an explanation of why I was not informed of this delay and none gives me an explanation. 
I checked today XX/XX/2021 and my existing mortgage servicer tells me the loan has not been paid off. Freedom mortgage tells me they have paid off the loan. I asked freedom mortgage for proof and they say that they can't provide me that information. 
I am worried since today is the XX/XX/2021 and I am past due on this mortgage for no fault of mine because freedom mortgage did not take care of funding the loan in time after closing.

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 2023-06-14
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I called the company on or around the following dates to get assistance with applying for a loan to lengthen the terms and lower my payments of my personal loan that had an original amount of {$40000.00}. I was told that I had to wait 1 year from my original loan date which was XX/XX/XXXX to do this. The are the times I spoke with different representatives which provided this information. 

XX/XX/XXXX XX/XX/XXXX Im currently going through a XXXX XXXXXXXX XXXX  and was being proactive with getting my options to lower my payments. I called XX/XX/XXXX and spoke with an agent who transferred me to a supervisor XXXX to get assistance with a payment that wasn't reporting because of the delay in their system and also ask about the lengthening the loan and was told I didnt have to wait 1 year and could do it at any time but that I had to wait until today to apply so the payment could be posted. 

I called today and spoke with a rep who assisted me with the application and told me I was denied because of my credit. I currently have a few inquiries because Im trying to get out of this XXXX XXXX situation however if I was given the right and proper information to apply back in XXXX of last year I wouldnt have had this problem. 

I asked the rep to transfer me to a supervisor whose name is XXXX and he gave me incorrect info about fixing my issue and transferred me to XXXX agent id # XXXX in the finance management department who then transferred me to XXXX in the counseling department. 

Ultimately after I explained my situation she transferred me to XXXX who is a supervisor in the lending department and I explained that my right to apply months ago was taken away from me due to false information being provided by their company and he pretty much said thats not their issue. This has to be a violation of my consumer rights and prohibited me from having the option to have a lower payment which is causing financial harm to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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.

Account Name XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 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 2020-08-18
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX continues to change the dates of the file they had in my name-I DID have a card with them but IT HAD A BUNCH OF UNAUTHORIZED CHARGES ON IT FROM ID THEFT THAT THEY NEVER FIXED AND EVER SINCE THEY KEEP CHANGING THE DATES TO HURT MY CREDIT WHEN I HAVENT HAD CREDIT WITH THEM IN OVER A DECADE! ALSO ... 
( 2 ) As I was the victim of ID Theft due to the Equifax breech and others, my credit was SEVERELY COMPROMISED and I have paid a heavy price for it even trying to change my social sercurity number with no luck cause the SS guy didnt want to do his jobn ( I qualify in two kf the three reasons to change ones SS number-my number is one away from my Brothers and that has cause MANY problems as well AS I AM THE VICTIM OF ID THEFT AT ITS FINEST ) and finally ... 
( 3 ) Also there is about THIRTY HARD REQUESTS FOR CREDIT ON MY CREDIT WITH THE THREE MAIN BUREAUS AND I HAVE ALERTED THAT ONLY ABOUT FIVE OR SIX OF THOSE ARE MINE AND THE REST ARE ID THEFT AND SHOULDNT BE HURTING MY CREDIT BUT THEY ARE AND THEY NEVER TAKE THEM OFF!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: NJ
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX - XXXX XXXX # XXXX have 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 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. Any other adverse item of information, other than records of convictions of crimes which antidotes 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 2020-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Bank of America charged my checking account twice for my XX/XX/XXXX, Mortgage {$1300.00}. I have called BOA on XXXX talked to XXXX I was told the money will be returned in 3 days did not happen, XX/XX/XXXX talked to XXXX same thing a couple days, XX/XX/XXXX XXXX said it will be 3 days but I will give you a C # SR XXXX, XX/XX/XXXX talke to XXXX a couple of days, XX/XX/XXXX XXXX said you will get your overpayment, today or by XX/XX/XXXX, I am still waiting for the overpayment, and I did file a complaint with the XXXX C # is XXXX. PLease Help Me. Thank You 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 monetary relief
Consumer complaint received 2021-05-14
Company: TD BANK US HOLDING COMPANY
State: TX
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:
My car was a total lost on XXXX XX/XX/XXXX. My insurance company ( XXXX ) paid for the total lost and my GAP insurance was going to cover the remainder. The GAP company needed some information from the dealer and TD Auto Finance in order to process the claim but the two companies were very non-compliant providing that information. I called TD Auto Finance several times every month and I specifically asked them if I needed to continue making monthly payments. They told me that I didn't need to make monthly payments because the vehicle was a total lost and the remaining amount was going to be covered by the GAP insurance and also that interest would not be accumulating anymore. I didn't get a written confirmation of this conversation but they never called me, mailed or emailed me any late statements or any notices telling me that I was late or that I needed to make payments. 
After over 7 months of constantly contacting TD Auto Finance and requesting that they provided the info to the GAP company they finally did it and in XXXX of XXXX the GAP company issued them a check for the remainder amount. 
I was very surprised when I got a noticed from XXXX telling me that my credit score had dropped dramatically. When I checked XXXX I noticed that TD Auto Finance had reported that my loan was " Paid was a Charge-Off ''. Also, in the section regarding my payment history XXXX was reporting that from the months of XX/XX/XXXX to XX/XX/XXXX there was no data available or reported to them. I submitted a dispute and the information remained the same plus in this case, TD Auto Finance reported that I was also late in payments from XX/XX/XXXX to XX/XX/XXXX. I challenged that information with XXXX and TD Auto Finance and submitted an additional dispute. They told me that they were going to look into it but is not going anywhere because the second dispute was completed and contained the same derogatory information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: REGIONS FINANCIAL CORPORATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
after checking my credit report I discovered credit card accounts had been opened using my name and social security number, his address and phone number not mine.XXXX  card XXXX balance, XXXX XXXX XXXX balance, XXXX XXXX XXXX balance, XXXX XXXX XXXX balance and XXXX XXXX which has been turned over to a debit collector. All opened in XXXXwithout my knowledge or permission

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 2023-06-14
Company: Javitch, Block & Rathbone LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2023 Account number : XXXX On XX/XX/2023 I received a letter form Javitch Block LLC regarding current creditor - XXXX XXXX XXXX XXXXXXXX / Original Creditor - XXXX XXXX XXXX in the amount of {$32000.00}. 

On XX/XX/2023 Javitch Block LLC received my detailed response via Certified Mail/Letter from me at XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX via asking them to please provide me proof of the alleged debt with the following information : What the money they say I owe is for, Explain how they calculated what I owe, Provide me copies of papers that show I agreed to pay what they say I owe, ; Identify the original creditor ; provide the statute of limitations has not expired on this account ; show me that you are licensed to collect in the state of Texas ; provide me with their license numbers and registered agent credentials. 

I also request in writing that no telephone contact to be made by their office to my home, cell phone or place of employment. Which was not abide by, as I am still receiving phone calls daily. Ive still yet to receive a response letter back from Javitch Block LLC within the XXXXday period, which puts them in violation. This negative entry has cause me lots of denial on applications submitted to various institutions, and needs to be Deleted Immediately. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Keep receiving phone calls regarding a debt that I know nothing about - phone calls 3 and 4 times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: JPMORGAN CHASE & CO.
State: NY
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 contacted Chase on XX/XX/XXXX in regards to two accounts that are not mine were found on my credit report. These accounts are not mine and FTC report was mailed to Chase. However Chase is reporting these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have a Citi credit card and was offered a promotion to open a checking and savings account with Citi. Upon applying, I was denied and received a letter with a reason " Unable to verify information on my consumer report ''. The letter goes on starting " The credit reporting agency played no part in our decision and is unable to supply specific reasons why we have taken the action stated above. '' Further when I reached out to Citi to ask for further details, I received the following response after weeks of waiting : " We understand that you are displeased with the decision to not proceed with a Citibank banking relationship ; however, our position remains unchanged. According to the Terms and Conditions of the agreement that governs the relationship between Citibank and its customers, we may close or suspend your account for any reason, or for no reason. This decision is final and wont be reversed. In addition, the credit reporting agency played no part in our decision in this matter. '' This neither addressed my questions for further detail nor is helpful in understanding the issue so I can possibly resolve with the credit bureau/s . This type of response is not acceptable and further details need to be provided.

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