BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I contacted Equifax as they said that an account that I allegedly had with XXXX  XXXX XXXX account number XXXX was been reported accurately on my credit report. I then exercised my rights under the Fair Credit Reporting Act and requested of them there method of verification. They got that request on XX/XX/2021. The law states that the credit bureau should provide a copy of there method of verification within 15days of the request been made. If the company fails to abide by these guidelines then its a FCRA violation and the credit bureau should delete the disputed account from the credit profile immediately. Today is XX/XX/2021 and the credit bureau has not sent me there method of verification or deleted XXXX  XXXX XXXX from my credit profile. 
Under the Fair Credit Reporting Act if an item is unverifiable or if the credit bureau is unable to provide the method of verification then the item should be deleted from the credit report immediately as there is no way to prove if the credit bureau did any investigation in the matter. This credit bureau has failed to abide by the law and obey the dictates of the Fair Credit reporting Act. An investigation is more than say it is accurate or just running it through the E-Oscar system. The request for the method of verification was sent by certified mail and I got a receipt from the postal service saying that Equifax got my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: LA
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:
When I went off to school in 2009, I signed a master promissory note. Pursuant 16 CFR 433.1, 433.2, and 433.3 my master promissory note attached below is my negotiable instrument used to pay this alleged debt in full accordance to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
on or about XX/XX/XXXX I noticed that my accts are closed and transferred to a rehabilitation office im no longer with that servicer which was XXXX and XXXX bank

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 2023-07-26
Company: EQUIFAX, INC.
State: LA
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Dear CFPB, The Credit Bureaus never did a proper " investigation '' according to the FCRA. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 others with whom he is acquainted or who may have knowledge concerning such items of information The Credit Bureaus did not do this My rights have been violated in the following ways In accordance with the Fair Credit Reporting Act Everything reported has to be 100 % accurate on my credit report The Credit Bureaus claim my account was properly investigated but how is that to be true if the open date is inaccurate, amount of high balance is inaccurate, the date of last active is inaccurate, date of missed payment is inaccurate, payment status is inaccurate, and date last reported is not accurate. These violation of my rights are grounds for removal. My rights were further violated because 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 Fair Collections and outsourcing debt verifications are fraudulent. I have requested a proper investigation into this account and none have taken place. XXXX is attempting to collected a debt for XXXX XXXX that I do no owe. Their documents say that I relocated from their property in XXXX XXXX. When in fact I relocated from this Property some 3 months earlier in XX/XX/XXXX. I have provided supporting documentation. The same documents I once provided XXXX but they refused to remove the fraudulent account from my report. I am not responsible for this debt and have made several attempts to remove it. I made my last full rental payment to XXXX XXXX on XX/XX/XXXX. With no remaining balances. and full months rent of my security deposit was never returned to me. The debt verification provided by fair collections and outsourcing is completely false.

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 2021-08-30
Company: Experian Information Solutions Inc.
State: SC
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 contacted the credit bureau Experian in regards to information shown on my credit report. I have stated that that all but my current address should be removed from my report as they don't belong to me as well as a second SSN found and several allies. they have failed to update my record as requested

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 2023-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On wed XX/XX/XXXX I received a call from an unknown number telling me a process server was calling and I needed to call a number when the person answered it was a lawyer from New Jersey saying it was a Bank of America account in 2006! The problem is its charged off and no longer on my credit report and under the statue of limitations I qualify its been over four years this account! I dont owe anything! When the lawyer I dont rem the name said that Bank of America was suing me and a process server was coming out! Today I got a phone call from XXXX would not tell me who they were just I had to call a number! They keep harassing me! If bank of America was suing me and they have a different attorney why did I not get anything in the mail! I looked at the law I dont owe this anymore its way over ten years! I have no acct number to go on or anything

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 2021-08-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In section 611 ( a ) it is plainly stated that a failure to investigate these claims within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I'll file for litigation due to the stress you've caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: SYNCHRONY FINANCIAL
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi, I signed up for an online business training program for {$2000.00} onetime payment or a {$2400.00} XXXX time payment with a guaranteed result to either earning our investment back within XXXX weeks or receive a refund. The only condition for such a guarantee was participation in the program. 
Many impressive stats and testimonials were presented to convince the would be participants of the the workability of the program through a big promotional push toward a once a year opportunity that was about to expire. 
Proximately XXXX people signed up starting in the XXXX of 2021 consisting of many seniors and low-income people who were lured into paying for a big pie in the sky that were not delivered. 
After the presale push and the start of the program many hoops and conditions were gradually introduced into their well-oiled deceptive psychology of marketing that we were not aware of before signing up ; conditions and requirements that if they were openly revealed to us before signing up we would have never participated. 
Currently many of the " helpless participant '' are left with an empty bag full of nothing but lots of hype filled with a bombardment of hallow ideas of online money-marketing ideas. 
I have prepared a document regarding this case and have submitted to PayPal Credit, which is managed by Synchrony Bank. I have followed up with MANY phone calls and they have badly handled my claim, through a series of employees ' errors, but also reversing their decision after resolving it in my favor giving me no logical answers for doing so. 
It appears that my XXXX GB attached document to Synchrony Bank has not been carefully reviewed to detect the fraudulent practice of " Live Your Massage '' as a company and return my funds back to my account. 
My complaint is about " Live Your Message '' as well as the Synchrony Bank known more as PayPal  Credit. My attached file- if reviewed properly- is a document that will win with hands down in a court of law.

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 2022-11-04
Company: ALLY FINANCIAL INC.
State: NJ
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:
This account was paid off on XX/XX/2022 to Ally Financial. I received a notarized pay off letter and the vehicle title. It was closed and marked as paid. It was then reopened and marked 30 days late on XX/XX/2022.

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 2023-01-03
Company: Remitly, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, there was a XXXX fraudulent charge on our XXXX account that we haven't used in over 3 years for {$2900.00}. When I called XXXX 's customer service number to report the fraudulent charge, the representative asked to gain access to our XXXX XXXX. For almost XXXX hours, he gained all my personal information -- SSN, DOB, name, address, IP address, email, etc. He was able to login to our bank, transferred {$7000.00} ( almost the entire balance ) from our savings to checking account. He set up a fraudulent account at Remitly using my personal information to run a credit check and transferred {$1800.00} to an XXXX bank account. The representative asked me to call my bank to authorize the transfer. That's when I realized something was wrong. I checked my bank 's app and saw the {$7000.00} transfer from our savings to checking account, then proceeded to hang up on the XXXX representative. In the meantime, I got over XXXX calls from Remitly asking me to verify the {$1800.00} transfer. I immediately called my bank to put an account take over alert on file with them. I called Remitly XX/XX/XXXX and was told the fund transfer to an XXXX bank was approved, can't be reimbursed, and that the fraudster used my personal information to do so. The representative suspended my account. On XX/XX/2022, I sent an Identity Theft Dispute letter to Remitly requesting that they reimburse me for the fraudulent transfer of {$1800.00}, remove my information from the credit files, and I enclosed a copy of my Identity Theft Report and CFPB 's Notice to Furnishers of Information to cease furnishing the information resulting from identity theft to any credit reporting agencies ( CRAs ). I requested that Remitly send me a letter explaining their findings, actions, and that they will remiburse me for the fraudulent transfer, as well as close my account and report my information to the CRAs. I've never heard back from Remitly, nor have I received any of the fraudulent transferred funds of {$1800.00} either back to my bank account or by check. I'm requesting the CFPB assist me in getting the fraudulent transferred funds back, contact Remitly to close the fraudulent account, and make sure my personal information will not be reported to the CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited my settlement into Navy federal credit union on XX/XX/XXXX navy federal took {$6000.00} on XX/XX/XXXX for a credit card debt from my wife 's and I joint account. this was from before our wedding and has been sitting empty with low funds for years but they decided to take the money out to pay a Delinquent account that was in collection for a credit card debt. The internet states that they can not take it for a credit card debt Under the protection act. When I called yesterday, they were very nice and said that they should read. Turn the money back cause. It shows that I deposited it with my settlement check. And that it shouldn't have happened out of the joint account today, XX/XX/XXXX the lady I spoke with was not helpful at all very rude and told me that have ever write to take my money for her account. Even though it's a joint account, but they also had the wrong address for my wife. So we never received any paperwork for the debt in the first place. 
And it's under her maiden name we could have set up payment prior if we had know. About the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
-On XXXX/XXXX/XXXX ; XXXX XXXX insisted that I ( XXXX XXXX ) obtain financing through Wells Fargo Bank to pay for services- - I do not feel I made a sound decision about whether I needed or wanted these services- -We had called for a plumber to clear the back up in our toilet- -We found an ad behind the XXXX XXXX telephony book for drain cleaning @ $ XXXX -When XXXX XXXX  came to clear the drain ; they did so for free and told us it was not a sewer problem- -later they insisted we get an inspection completed to look at our sewer- -XXXX XXXX claimed I had cracks in my sewer -I was told by XXXX XXXX my home owners insurance would not cover the expenses and if the city found out about the cracks in my sewer they would charge me up to $ XXXX -XXXX XXXX offered to complete the work for $ XXXX -Out of fear & circumstances I consented but did not know what I was consenting to- -I am an elderly XXXX veteran ( XXXX XXXX ) & was made to sign many documents via a tablet ; I was unaware and confused of what I was signing- -I was made to receive a loan from XXXX XXXX through Wells Fargo Bank to pay for the plumbing services I am not certain I needed- -I am on a fixed income and a XXXX man- -The financing loan was for {$11000.00} and XXXX XXXX  was still charging up to {$22000.00} for the job- -Victim received a credit card with the Wells Fargo logo that has XXXX XXXX written across 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 explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions 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/inaccurate information reporting on all three bureaus and claims information was verified. 

XXXX XXXX inaccurate information reporting across all bureaus and claims information was verified. 

XXXX XXXX XXXX XXXX inaccurate information reporting across all bureaus and claims information was verified. 

XXXX XXXX/medical collection account/ reporting erroneous information and violating hippa laws. 

XXXXinaccurate information reporting across all bureaus and claims information was verified.

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 2021-08-05
Company: Aspen Yo LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In the middle of COVID my mother died, I couldnt make my mortgage payments nor work, because of COVID and needing XXXX. After burying my mother. I had XXXX XXXX  and XXXX XXXX or workin XX/XX/XXXX, months after XXXX I kept having pain to find out that they XXXX XXXX XXXX XXXX in my XXXX  and had to go back in to fix it on XXXX XXXX. I am looking for work from home, but no luck yet. financially Im empty with no other resources or help. From XX/XX/XXXX I have been taking food from food banks. I filed for unemployment and now in XX/XX/XXXX theyve told me my unemployment is getting ready to expire. I am still in need of assistance, And afraid to end up on the street. I tried contacting Gregory Funding LLC and said they couldnt talk to me because of bankruptcy, I would need to get authorization from my attorney so I got authorization to talk to them and now they answer and put me on hold for and hour and a half at a time and then hang up. 
Theyve filed a relief from stay with my bankruptcy in order to foreclose. I want to work with them. When I purchased this property I put a deposit down of {$46000.00} leaving mortagage balance of only XXXX from XXXX my balance should only be {$78000.00}, but because of 2 modifications the are telling me I owe {$200000.00}. Look I have made payments over the years and not of my payments have been calculated in, theyre breaking the law by charging outrageous fees and taking advantage of me knowing I want be able to sell because of what my home is worth at market price. I am trying to sell, but because of the high fees theyve tack on Im not getting any perspective buyers, which also have to do with what I have to sell it for in order to transition or move and pay to move and 20 percent to put down on another place. What their doing is against the law with the fees theyve tact on. I need for them to remove some of their fees that they have tact on bringing the property to a reasonable price in order for me to sell at a reasonable price. Look I have put so much money in this property since XXXX I want be able to get it back, I got to have something to move and settle some where. At XXXX I should be preparing to retire, I have buried my father and XXXX XXXX and now my mother! I had taken a financial toll on me and the thing is Im still responsible for another brother who had a XXXX in XXXX in a XXXX XXXX  in Florida. I had to raised his XXXX XXXX, because my parents couldnt. I dont want to give these people a hard time I need help to keep Gregory funding from put me on the street with nothing. 
Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: CAPITAL ONE 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: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Account maintenance fees, unauthorized charges, improperly investigated dispute, forced account conversion and changes to the deposit schedule all contributed to the account being overdrawn

Company response to consumer: Closed with explanation