BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Over 40 days ago I submitted a dispute with this company and have not received a update of any investigation results.

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 2023-10-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone use my bank account and sent out {$5000.00} by XXXX XXXX through about 30 transactions. But i was in sleep at that time. Chase declined my claim and they said it was approved by face ID. So i guess it might be someone hacked my phone or pc If What chase said is true. i try to fix it with chase, chase asked me talk to XXXX due to it was authorized by face id. And XXXX pushed me back to chase bank. the local police department refuse to help me and they dont care about this case. I have never send out multiple transactions and use all of my XXXX limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
One more time, I can not be late in XXXX when I paid it off in XXXX. Still there are accounts now showing 120 days late in XXXX of 2020. Almost 18 months after this was paid. This is retaliation for asking them to report correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: AL
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/XXXX, I submitted a letter regarding unknown and inaccurate information on my credit report. As of XX/XX/XXXX, which is more than 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and disregarded. I feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove the items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately, or I will file for litigation due to the unjust due stress you have caused me. Furthermore, my personal information was impacted by the Equifax data breach andmay have gotten into the hands of unauthorized individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have been unable to access the online dispute services due to server errors and other technical issues. Because of this I have been unable to correct my address that is on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
XXXX, XXXX  every other week for the month of XXXXXXXX XXXX  thru XXXXXXXX XXXX, I was told Ten different answers regarding applying the {$1500.00} to my ESCROW account ; I was told several different answers each time I called, from it wasn't applied, I was short for my house payment, I sent the check to the wrong department, yes we have your house payment on automatic withdrawal from my Credit union account. We sent my Home Insurance Policy in ( 6 ) times, XXXX XXXX ( my insurance carrier ) sent the policy to you all four ( 4 ) times and we were told over and over again you all did not receive the policy. Three agent tried to really assist me and told me they would make the proper adjustment. Until Thursday, XX/XX/XXXX a young lady gave me a detailed explanation on my account. One young man was Intentionally RUDE. 

In addition, I'm on automatic withdrawal from my Bank account the XXXX of every month, however, you're not applying the funds until the XXXX of the month and charging me a late fee ; when it was your company that stated it's not late until after the XXXX of the month. So why am I being charged a late fee? 

Please be advised that my Insurance ( homeowners ) is on automatic withdrawal from my financial institution. I've told you all this since XXXX, XXXX 

Please leave my ESCROW and pay my taxes ; I will PAY MY HOMEOWNERS INSURANCE. The mental anguish I've gone thru for the last three months is CRAZY. I am a valued customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I began working for a XXXX XXXX XX/XX/XXXX. My first check was a paper check dated XX/XX/XXXX in the amount of XXXX drawn from Bank of America. I deposited it into my BMO bank  account. Within a few weeks I began to receive statements from Bank of America about a checking account with my name on it. I contacted BOA and spoke to the Fraud Department on XXXX XXXX, XXXX. I explained I didn't open an account nor authorize anyone to open an account and I want it closed IMMEDIATELY. I asked the representative if BOA opened it because the date it was opened was shortly after time my paycheck cleared. She assured me they wouldn't do that, they would need my authorization. She told me I would receive and email with instructions and paperwork in the mail, instructed me to mail back a copy of my SS # and sign stating I didn't not authorize. I refused to give my SS #. I received another statement with fees in the mail on XX/XX/XXXX. They refuse to close it. I took a photo of the check the day I deposited it. I did not open any accounts with Bank Of America and they refuse to close it.

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 2023-07-31
Company: EQUIFAX, INC.
State: MO
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: Security Credit Services, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My name is XXXX XXXX XXXX im writing you guys today because there is an inaccurate collection reporting on all 3 credit bureaus the company is SECCREDIT account number XXXX XXXX and XXXX both have this account as an open account which is against the law XXXX also is listing this account with past due balance and 120 days which is also a volition I tried to dispute with bureaus they verified the information but clearly this information is not accurate all 3 bureau information does not match and I want this account deleted from my credit report I attached a file so you guys can see that the information does not match on all 3 bureau and that transaction and XXXX are breaking the law by reporting this collection account as open also XXXX and XXXX have thisnkaited as a collection account with no name or company it just says collection account I would like this account removed asap possible this account reporting inaccurately has cashed me a lot of pain and stress

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Freedom Mortgage Company
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Responded to repeated offers from the lender for a refinance to reduce my interest rate. Mortgage is held by the same lender. Completed application on XX/XX/XXXX. Application was cancelled without explanation 2 days later. Complained and application was re-opened on XX/XX/XXXX. After dozens of phone calls, dozens of emails, was informed by phone at my initiative that my refinance application was closed on XX/XX/XXXX for " incompleteness. '' No explanation was given and repeated requests for information and reconsideration have not been answered. I have no received correspondence from Freedom Mortgage, nor any adequate explanation. 

Customer service for this process was non-existent and infuriating. I emailed repeatedly with questions about forms I was being asked to sign. Only once was there a reply. I was asked for the same forms by different people multiple times. I requested updates dozens of times and there was no reply. I received dozens of calls from " customer advocates '' who were unable to tell me anything other than the fact that my application was still in process. I escalated the case to find out information on what the issue was and those escalations were not followed-up on by XXXX. I did not receive any signed copies of electronic forms, written notification, or other correspondence. I was not informed of reason for delays or were my questions answered. In the end, I did learn from my HELOC lender ( XXXX XXXX  ) that they were in a dispute with Freedom over the subordination agreement. 

Because of the 6 month ordeal with this application, interest rates have increased substantially and Freedom Mortgage has caused me a loss of opportunity in excess of {$15000.00} dollars.

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 2022-10-11
Company: EQUIFAX, INC.
State: ID
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:
Account XXXX XXXX XXXX Under 15 U.S.C Sec . 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Transunion continues to fraudulently report a collection from XXXX XXXX XXXX and an account from XXXX XXXX. Ive informed Transunion that neither creditor has provided any form of validation pursuant 15 usc 1692g. Transunion has also failed to supply any documentation that I have asked for. Pursuant 15 usc 1681i Transunion has not provided me with the requested documentation on how they verified and validated the fraudulent information being reported on my consumer reports. At this point I have no other reason to believe that they are willfully being negligent and refuse to follow the law which puts them in direct violation of 15 usc 1681n. I have no other choice but to escalate this matter through the FTC and through the CFPB.

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 2023-02-13
Company: EQUIFAX, INC.
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: Problem with personal statement of dispute

Complaint:
on XX/XX/2023 I mailed a letter to XXXX XXXX XXXX XXXX account ending in XXXX in regards to their company being in clear violations of 15 USC 1681b - permissible purpose of consumer reports, and how the law clearly states : a In general - subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to who it relates. I wrote them to remove all late payment from reporting to my report as they are inaccurate.

First saving Credit Card company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i )
EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( First saving credit card ) Making the report is not INCLUEDED on my Consumer report!

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

THEY HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

They responded that the laws don't apply to XXXX XXXX XXXX XXXX XXXX and they found no Violations. I attached the letter response!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: STATE FARM BANK, FSB
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
At the beginning of XX/XX/2018 I contacted State Farm to make an auto loan payment. It was too close to the payment due date for me to mail a payment in and State Farm 's online portal would not allow me to make a payment online. I then contacted them by phone to make the payment over the phone but the agent would not accept my payment. I was then forced to mail in the payment at which point State Farm reported a late payment on my credit.

State Farm made it incredibly difficult for me to make the payment on time and this should not have affected my credit due to their lack of ability to accept my payment.

I contacted State Farm on three different occasions directly to resolve this and they would not help and all agents I spoke to were either rude or unwilling to even try and resolve the issue. I used the credit agencies dispute process 1-2 times as well after that and State Farm still denied the claim and did not help.

I have 3 1/2 years of perfect payments on this account and this is the only payment that is showing late, so it should be clear that I pay this loan on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$510.00} XXXX  XXXX Balance : {$620.00} XXXX  XXXX Balance : {$210.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am not aware of this debt nor do I believe I owe this debt. I disputed this with the credit bureaus and they refuse to remove this from my credit report, The company failed to provide debt validation for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Telsa Motors Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I spoke with someone named XXXX XXXX today, who advised me that the early lease termination documentation was never processed by Tesla. I completed the early termination process online, provided photos, and scheduled my turn-in date for XXXX. On XXXX, I brought the vehicle to your XXXX, CA location and turned it in per Tesla 's online lease return process. I also processed the release of liability with the DMV. Per the quote I uploaded, I do not owe anything to Tesla for the early termination of my lease. 

Unfortunately, XXXX informed me that I am still registered to this car and am being charged for it. Someone at Tesla also plugged the car into a supercharger and I was billed {$20.00} on XX/XX/12, though I no longer am obligated to this vehicle. 

I've emailed Tesla multiple times regarding this matter at XXXX, XXXX, and XXXX, but nobody has responded. Tesla needs to process the lease termination immediately and back date it to XXXX when I returned the car and refund the {$20.00} they charged me for supercharging while the vehicle sat at their dealership.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Reporting - XXXX XXXX and XXXX XXXX Im XXXX XXXX, I have recently moved to XXXX XXXX XXXX, XXXX, NC, XXXX I am receiving mails related to a loan/credit application with several banks/companies applied by XXXX XXXX and XXXX XXXX on my address XXXX XXXX XXXX, XXXX, NC, XXXX. 
Previous house owner also didnt know a person named XXXX XXXX and and XXXX XXXX. I am worried that this might be a financial fraud, can you please check at your end and tell me what actions need to be taken from my end. 

I prefer email communication as I can't remember each and every complaint Im making for this. 

Thanks, 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