BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-26
Company: Aldridge PIte Haan, LLP
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Original amt due ( owed to original company ) : {$2800.00} Aldridge Pite Haan , LLP charged interest of {$290.00} Additional Cost {$210.00} ( not sure what for ) I've paid {$1800.00} so far. 
They are now garnishing wages starting on XX/XX/XXXX for {$1500.00} I received a " Notice of Court Action '' from APH dated XX/XX/XXXX in the small claims court of XXXX County AL. I was never summons to court at the time. I did call APH to inquire more about this and did come up with a payment plan ( not any kind of settlement, but a monthly payment of $ XXXX/month. I also NEVER went to court or was told to ). 

I was paying monthly, however fell onto hard times and significant other was no longer working in XX/XX/XXXX and my father had a XXXX in XX/XX/XXXX and we've had several family deaths in between. Therefore unable to pay, I did call them in XX/XX/XXXX and tried to let them know of circumstances and they were rude and threatening to garnish my wages and demanding my bank account number, which I did not provide. The lady on the phone was getting angry and demanding I give her my entire employment history and any other banking institution for which again, I did not provide as this was not needed for them to either continue with payment plan or allow an extension. She hung up on me after several attempts to get my bank account number. I received a letter form my employer on XX/XX/XXXX stating my wages will be garnished starting on XX/XX/XXXX from APH., LLP. I never received any other notice from APH, not even regarding anything remotely stating anything about wage garnishment, or working out another plan ( although I have tried calling them to ask for payment options without getting anyone to help me from their firm in return ). I have never seen these people and have never been to court or given a court date or anything beyond the first notice of court in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: PA
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 filed a dispute about item on my credit report with experian. They came back after short time and said company certified debt. Problem is they don't show what was used to certify it. The company who has me in collections has no signed agreement from me or creditor say I owed nothing but piece paper with name and amount. Hasn't shown experian any proof of debt and experian fails to remove item after multiple disputes. The company in question is 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 2021-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX between the hours of XXXX XXXX PST. I called Capital one customer service due an unexpected balance of {$43.00} appeared in my account posted since XXXX XXXX, XXXX. I wasn't expecting this since I already made the full payment on my account for amount of {$3200.00} on XXXX, XXXX. I was expecting that my account XXXX XXXX XXXX XXXX will be at XXXX balance. 
I have ask the CSR to help me out to waive the fee of {$43.00} but declined to do so. The account representative told me that he can not waive the fee and has no means of information or access to waive it. I then asked to be transferred to the account manager who I believe has more access to grant my request. The manager or supervisor verified my account and check my information. For the second time, the manager or supervisor have adamantly told me that he can not do anything to help me to waive the interest fee of {$43.00}. 
Wow, really, seriously, for {$43.00} as a long time customer who is asking for your help to waive this fee has been strongly denied to be help out. I have been patiently paying my debt in Capital one even though Capital one has been charging too much interest fees in my account. I really have to go through of all instead of Capital one thinking of their own benefit, for {$43.00} really, your credibility as supposed to be a " helpful '' credit card company will be published for not helping out a customer like me most especially this hard season of pandemic. 
I then, just requested to the manager/supervisor to close my account, since he doesn't want to waive it. He said that I still need to pay {$43.00} even though the account will be closed, that I will be responsible for it. I said " no '' I will not pay that {$43.00} because I already paid the balance in full. He then declined to close my account. 
Let it be known, that i will not be paying anymore fees/interest to this account since I have already paid the balance in full and Capital one have already collected so much interest and fees in me already. 
All I ask is this should be settled so I can be back in my normal life. This amount of {$43.00} has been stressing me out and should be waive for the sake of helping out your customer. Capital one should extend their hands to more considerate and don't push their costumer to pay more and more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023 XXXX XXXX approved As a one-time courtesy, we adjusted your payment history, allowing us to remove the charge-off from your credit report. You will see these adjustments reflected when our updates are sent out for May. You should have access to your credit line right away. 

Remember that this one-time adjustment is an act of good faith that you will keep your account healthy and submit your payments on time. 

I received an email because this company has been reporting negative balance when I have statements that funds were coming out of my bank account. XXXX XXXX still have not reported the positive balances and payments to all credit bureau. I will attach most recent statement from XXXX XXXX as well as the email for this company to report my current positive balance.

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 2018-06-03
Company: Seterus, Inc.
State: FL
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:
During the XXXX XXXX my tenants left without notice, I called the bank and I asked for a repayment plant for the month of XX/XX/XXXX, I was not late when I called. The suppose to give a repayment plan without affecting my credit but they lied not only that they charged me for a fee that I didnt agreed upon. I called several times XXXX I kept receiving these late fees letters and everytime I called I was told the repayment plan will take care of it that I wasnt being charged form them. I made my last payment in XX/XX/XXXX. My credit score went down 31 points thats when I found out they reported late payments. Im very disappointed, I complaint and they suppose to start an investigation but apparently that was never done. They are cheaters and liers they dont have a good customer service most of them dont know even simple math. They need to be investigated they dont even seem a serious bank. My loan was sold to them by my bank and at this point I cant even refinance with other bank because of the bad report. I havent been late with a mortgage payment in many years I believe they did this in porpoise because I threaten them with leaving the bank. Thank you

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 2023-02-23
Company: Experian Information Solutions Inc.
State: CA
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:
For many years since XXXX and Present XXXX has put many negatives and collections on my credit report and I have filed many Federal complaints and XXXX ignore in deleting the negative collections and negative marks on my XXXX Credit report. 

XXXX allow their third parties business partners to use my Private information such as Social Security number and all my private information. 
XXXX even had a Data Bleach issues and was sued by Law Firms in XXXX Georgia with a {$1.00} XXXX Dollars Class Action Lawsuit in which I haven't receive my Restitution Award Settlement check no less than {$50000.00} and XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX with Claim number # XXXX Refuses to send my check by US Postal Mail Service Express, or Federal Express Mail XXXX XXXX Mail Express as respectfully requested. 
Email : XXXX I am Respectfully Disabled Life and Retired and a US XXXX XXXX XXXX Veteran.

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 2021-01-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to Equifax on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' the collection account XXXX XXXX XXXX Acct # XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also for them to identify the company they are using to erroneously verify incorrect reporting. Equifax has misled and deceitfully reported information that they have not properly investigated or has purposefully not been forthcoming with their inability to produce accurate paperwork detailing account information. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Equifax refusal to supply this information yet still report false information has harmed my credit and therefore makes their actions illegal.

I demand that Equifax cease reporting this false information. This is my fourth and final attempt to have this false information removed from my credit file. I attend to take legal action under the protection of Fair Reporting Credit ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, after 9 months of waiting, SBA approved my EIDL loan as an XXXX XXXX ( SBA EIDL Loan Agreement # XXXX ). The application process itself was strict as they were verifying my whole background ( e.g. tax returns, XXXX schedule C, etc ). 

I was approved on XX/XX/2020 and funded on XX/XX/2020 on my checking account at CapitalOne. On XX/XX/2020, just two days after receiving the deposit, CapitalOne decided to freeze my account. I received an email from them stating : [ XXXX, We noticed unusual activity on your account ending in XXXX. For your protection, were restricting your Capital One Bank account ( s ) until we verify some recent activity. A restricted account may prevent you from withdrawing money or completing pending transactions, though you can still deposit money. 

Please call us at XXXX as soon as possible so we can verify this recent activity. We're available Monday through Friday, XXXX XXXX to XXXX XXXX and Saturday XXXX XXXX  to XXXX XXXX 

We used info from a credit-reporting agency that - in whole or in part - influenced our decision. The consumer-reporting agency didn't make our decision. For questions about your credit report or supporting info, contact the agency directly at : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX ] I immediately called and spoke with a rep who was rude and treated me like a criminal. I felt like a criminal being investigated for a crime I didn't do. She said that they need to verify the deposit. I asked WHY when SBA already vetted and approved my loan and that process was 9 months long with every single documentation proving that I am eligible. I also offered to send her all my documentation but she didn't care. She simply said that my case will be assigned to an investigator, the account will be frozen and the money on hold until they make a decision. This is simply against the law as a bank can't hold my money for no reason, I am already paying interest on the money and if there was a problem, they shouldn't of let the deposit go through in the first place. 

I have emailed the bank with my documentation, proving that I am INDEED an XXXX XXXX along with the SBA loan documentation. I am also filing a complaint with my state attorney general. 

Thank you for your time and please let me know if there's anything you need from me. I am available anytime on my email XXXX or by phone at XXXX. I ask for genuine help. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo refused to modify our mortgage loan for us. This forced us into default and loosing our home. We had a law firm that was helping us to try and modify our mortgage. The response from the law firm was that Wells Fargo had a pre-qualifying unit in place that we had to go through to even get to the loan modification department of Wells Fargo. Many requests were submitted by the law firm for a loan modification, and they were all denied. We we were victims of what occurred with many other home owners between the years of XXXX. In Hernandez v Wells Fargo Bank NA Home Loan Modification Settlement Case No. XXXX. Wells Fargo paid on a settlement for refusing homeowners loan modification which cause default and many to lose their homes. This was the case with us yet somehow we were not notified of this case and did not learn about it until after it was closed. Wells Fargo sold our home. This cause severe emotional distress to me and my family as we lost our home of almost 20 years when we were evicted from our home. We have been renting a house since XX/XX/2022. We hope to receive help in this matter and restore what we have lost.

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 2020-12-31
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Genesis Credit Management has been calling family members and friends from PRIVATE and blocked numbers. The harassments began in XXXX of 2018. They called a family and threatened to send the sheriff 's department to her home. They called another family member and threatened their religion. All threatening voicemails are documented. They called me pretending to be an apartment complex in XXXX California asking about an application I never filled out. I get 2-10 phone calls per day now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

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 Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX All 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 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 2023-06-14
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I hope this message finds you well. I am writing to express my concern over a recent encounter I experienced with your bank. 

Recently, I attempted to open a new account with Truist, but unfortunately, my application was declined. The reason provided for this decision was not clearly communicated to me, leaving me somewhat puzzled and disappointed. 

As a prospective customer, I am eager to understand the rationale behind this decision, as it is critical for me to gain a clearer understanding of any issues that may have influenced the rejection. My intention is to rectify any potential concerns and hopefully reapply in the future, if appropriate. 

Could you please provide me with some insight into the reasons for this denial? If there are any outstanding issues, specific criteria that I failed to meet, or documentation required, I would appreciate being informed so that I can address these matters promptly. 

Please understand, this query is not a complaint, but rather a request for better clarity and transparency, which I believe will serve both our interests going forward. I have high regard for Truist and would very much like to become a customer of your esteemed institution. 

Thank you very much for your time and attention. I am hoping for your prompt response to this matter and look forward to your explanation.

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX & XXXX has admitted that they do not have any loan information with my name, yet they refuse to delete it off my credit report. XXXX, XXXX and Trasnunion claims that the account is verified, accurate and validated, yet XXXX & XXXX can not find ANY LOAN INFORMATION in their system, So how is is verified, accurate and or validated by XXXX, XXXX and Transunion? Besides that, XXXX XXXX XXXX had since XX/XX/2022, since they were notified by CFPB and XXXX and they could not find anything. 
I am unsure as to how my likeness was received by XXXX XXXX XXXX, but being a victim of the XXXX and Transunions data breach I can only believe this error was due to their errors as to the why this account appears differently on all credit agencies profile. I am a victim of aggravated identity theft and these companies have access to my credit and caused actual financial injury and severely harmed my existing relationships with financial relationships, as well as hindered my opportunity with news ones ; as I've been denied by many. These CRAs have willfully neglected their responsibilities to consumers by violating the FCRA. 15 usc 1681 b as well as 15 usc 1681 c-2 and each of its CEO 's are culpable, as well.

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