BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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: National Credit Adjusters, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
First company charged me for services I didnt receive XXXX and nca company charging me of a loan I didnt get

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My mortgage was transferred to Newrez on XXXX. I was setup on bi-monthly payments with the old mortgage. I switched to monthly payments with Newrez. However, I get two emails every month saying that they are going to withdraw my bi-monthly payment even though it was cancelled. I have called Newrez on XX/XX/XXXX, XX/XX/XXXX, and XXXX to get this resolved. Everyone has promised to get it resolved, but I am still getting these emails and I have to keep calling. Newrez says that I am not on the bi-weekly payment schedule, but during my phone calls with them, I will get a confirmation email saying that the bi-weekly payments have been cancelled. I believe that they are trying to double-bill me for my mortgage despite their reassurances that they are not. I want the double-billing and the emails to stop. But they won't stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Capital One Credit Card Date opened : XXXX XXXX Account Type : Credit Card Balance : {$430.00} I have no knowledge of this account and would like this account to be removed off of my credit report. I discussed to to Capital one account but there was nothing done about this issue. I never opened this account or used this account. I disputed this account but nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The accounts listed do not belong to me and MUST BE removed. I'm demanding that they be removed now because it is stopping me from obtaining gainful employment. This is supporting fraud. If the credit bureaus do not remove these items I will file a lawsuit. Fraudulent claims are as follows : XXXX XXXX XX/XX/XXXX {$150.00} ; XXXX XXXX XX/XX/XXXX {$150.00} ; XXXX XXXX XXXX XX/XX/XXXX {$15000.00} ; XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$2100.00} ; XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX {$4300.00} ; XXXX XXXX XXXX   XX/XX/XXXX {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Possible Financial Inc
State: LA
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:
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 XXXX XXXX XXXX. I told XXXX, XXXX, and XXXX to investigate these accounts as well as the SEVERAL hard inquires that should not have been did from XXXX XXXX on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 
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 accurate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: CA
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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Dear Sir or Madam, I hope this letter finds you well. I am writing to file a complaint against the financial institution that operates within my local XXXX grocery store. I have been subject to a series of unauthorized actions and fees that have not only resulted in the depletion of my bank account but have also led to a negative report on my credit card. This, in turn, is significantly impacting my XXXX XXXX and hindering my plans to purchase a house. 

In brief, XXXX was running a promotion that entailed the provision of a bonus or reward if customers deposited money into a new bank account. As per this scheme, I opened an account and made the required deposit. However, contrary to what was promised, I never received any sort of communication, reward, or bonus in the mail. 

Several months later, I noticed an adverse effect on my credit card status and subsequently discovered that my account had been completely drained. Further inquiry revealed that the financial institution had levied numerous fees on my account without my knowledge or consent, ultimately leading to an account balance that stood in the negative. 

In an attempt to resolve this issue, I made multiple calls to the financial institution 's customer service department, only to be met with indifference and uncooperative behavior. The representatives not only failed to provide any substantial information or assistance but also hung up on me multiple times. 

Given this ongoing issue, I request your immediate intervention to investigate the matter and rectify the erroneous reporting on my credit card. I have been a responsible customer and have always made a concerted effort to manage my finances effectively, and this unwarranted situation is causing me undue stress and financial hardship. I believe that I am entitled to fair and transparent treatment and a clear explanation of the fees that have been charged to my account. 

Attached to this letter are copies of my bank statement and the credit card report that clearly shows the negative impact. 

Thank you for your attention to this matter. I look forward to a thorough investigation and a fair resolution.

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 2023-02-10
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Mailed a corporate check for {$88000.00} to XXXX on XX/XX/XXXX. 
Check was intercepted in the postal system and then presented at TD bank in XXXXXXXX XXXX  on XX/XX/XXXX. 
The check had been washed but only the name of the addressee had been changed. 
No changes to : pay to, amount, check number. 
TD took the check on deposit for a new account. TD called to inform us that they thought this might be a fraudulent transaction. Unfortunately, because the teller took the check into TD bank even after realizing it was fraudulent my funds were transferred to TD bank. 
I now had to start the process of police reports, affidavits from both me and our payee in XXXX. 
I was told by my bank, XXXX that all I could do was provide any documentation requested and wait. 
XXXX XXXX informed me on XX/XX/XXXX that TD had been informed and that TD had 90 days to respond. 
I did finally get my money back on XX/XX/XXXX. 
Because it was such a large sum I had to access our corporate LOC for operating capital at a cost of $ XXXX week interest. 
This is all the result of a bank employee at TD bank in XXXX XXXX  not handling the transaction correctly and taking funds clearly not designated to this customer and appearing fraudulent into deposit. The result was a lot ofXX/XX/XXXXand {$1600.00} in unnecessary interest expense with no communication and no recourse to TD bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Email exchange : I thank you for your help, however. Not 100 % well. Would love to get this over with. 

But I had questions regarding a money transfer I made and how the terms which affected my thirty day grace period to pay in full every month were not explained. I requested they reimbursed me for the cost of the money transfer since I paid it off as soon as I realized what was involved. They didnt. So in essence they would be charging me interest in the balance transfer and the new purchases every month on my main credit card. They also had run a hard credit check when I was supposed to have been pre approved this affected my credit score. 

Very devious predatory behavior. I am hugely disappointed by Chase and regret having changed my account. That woman XXXX was unable to deal with all the issues I brought forth. 

Instead, I started getting one letter after the next from the bank without any contact name. Its just predatory hard business dealings with a regular decent customer. They are deceitful. They send you lawyerly letters instead of having a person call you. Its an awful bank which should be regulated. 


On XX/XX/2018, at XXXX XXXX, XXXX <XXXX> wrote : Thank you for your help! I am feeling somewhat better and I am acquainted with that XXXX but continued to receive conflicting and confusing information. I could not reach her. Shes very robotic and not helpful. In general, theres no one at the banks phone end who is actually helpful and polite. She called me when I couldnt discuss the issue right in the middle of a funeral. Could not make an appointment. I dont feel theres anyone really doing anything and despite my aggravation they expect you to put up or shut yo. That is the opposite of what I would expect from the sort of leadership ( XXXX ) who goes on TV to talk about giving back. Mig. 

On Wed, XX/XX/2018 at XXXX XXXX XXXX, XXXX <XXXX XXXX XXXX> wrote : Hi XXXX  , I hope you are feeling better. I apologize I missed you at the branch yesterday however I did receive your letter. I forward a copy to our Executive Office and expressed your concerns with the follow up and to have only one person contact you at your preferred number. I verified the contact info and XXXX will be contacting you. I am out of the office for the remainder of the week, however you can reach the Executive Office directly at ( XXXX ) XXXX. 



Thank you kindly, XXXX XXXX | Chase | Branch Manager | NMLS ID : XXXX | XXXX XXXX XXXX XXXX, XXXX, CA XXXX | XXXX XXXX XXXX | T : XXXX | XXXX XXXX XXXX XXXX | XXXX | T : XXXX | -- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Total Card, 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:
MY NAME IS XXXX XXXX, SSN XXXX, DOB XX/XX/1986 I HAVE HAD SEVERAL ISSUES WITH TOTAL VISA CARD AND THEY FAIL TO MAKE THINGS RIGHT, I RECEIVED LATE MARKS ON MY CREDIT REPORT, I ASKED FOR A GOODWILL REQUEST AND IT WAS DENIED STATING IT WAS ACCURATE, I AM NOT DENYING THE VALIDITY BUT THEY NEVER SEND ME STATEMENTS, THEY NEVER CALLED ME TO REMIND ME OF PAYMENT, I HAVE NEVER TALK TO THEM AND WHEN I DID THEY SAID IF I MADE A FULL PAYMENT THEY WILL REMOVE THE LATE MARKS WHICH THEY LIED BECAUSE NOW THEY ARE SAYING THEY WILL NOT. I AM GOING TO SUE THIS COMPANY IF THEY DO NOT REMOVE ALL LATE MARKS AND REFUND LATE FEES TO MY ACCOUNT, BUT MOST IMPORTANTLY ALL CREDIT LATE MARKS MUST BE REMOVED FROM MY CREDIT REPORT, I AM UNABLE TO GET A MORTGAGE THANKS TO THEM, I DEMAND THAT THEY SEND ME DOCUMENTATION STATING WHY I DONT RECEIVE STATEMENTS, ALSO WANT RECORDINGS OR PROOF THAT THEY ATTEMPTED TO CALL ME TO COLLECT PAYMENT IF THEY FAIL TO PROVIDE ME WITH THAT THEY MUST REMOVE LATE MARKS UNDER FEDERAL LAWS OF CREDIT REPORTING OR I WILL BE FORCED TO SUE TOTAL VISA CARD AND XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: MS
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:
I sent a letter before as a result of fraud. They did not accurately respond to my dispaute or send verifications that accounts belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Continually being harassed by a collection agency trying to collect a debt from a person by the same name, with a different date of birth. Agency has been told several times that I am not the person they are looking for and to no longer contact me in regards to this debt. I have videos of me telling them it is not me, to stop calling. They continue to call and I just received a call at work from a courier trying to serve me with legal documents for a debt that is not and have never been mine. I have a video of my husband and I addressing this with the agency from XX/XX/2020.

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 2023-07-05
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX has XXXX harrassing my credit report by reporting the account is closed for the past 3 months on different days. This account was a charge off back in XX/XX/XXXX as a charge off. I never received a XXXX from XXXX XXXX and I never received a bill of sale of the vehicle that was auctioned in XX/XX/XXXX. They have refused to cooperate with me and since XX/XX/XXXX, they have been reporting the account closed monthly. I will provide proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian is reporting late payment experiences furnished to my consumer report. These experiences must be removed. ( see attached )

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: Rocket Mortgage, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On XXXXXXXX1without my authorization and permissible purpose my consumer report was accessed for promotional purposes without my knowledge by ROCKET MORTGAGE located at XXXX XXXX XXXX XXXX, MI XXXX XXXX Pursuant to 15 USC 1681 b, they are in violation of FCRA I have sent a communication to the party responsible which I will be attaching to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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: Personal information incorrect

Complaint:
I have requested EQUIFAX to update my personal information they are reporting on my credit report however they have not done so or respond back to me requesting unnecessary required information in an attempt to stall or prevent me from updating the information they are reporting on my credit file. Equifax continues to report inaccurate information regarding my name, address 's ( that are nonmailable address 's ), phone number 's, employment and other information in regards to who I am. This false and unauthorized information Equifax continue 's to report on my credit reporting file has caused me so much stress, anxiety, denial of credit, hardship, lost of personal property, homelessness, the ability to find affordable and safe housing for myself and my family, and XXXX XXXX blocks on my rights to presue happiness on this journey called life we all are seeking. I have filed an identity theft report with the FTC and I am in the process of seeking approval for a new home. I need ALL of my credit reports to say the same thing across the board in order to raise my chances of being approved. As a consumer reporting agency Equifax has assumed a vital role in assembling and evaluating consumers credit and other information. According to 15 USC 1681-3 ( A ) ( i ) my report should not contain information solely as to transactions or experiences between the consumer and the person making the report. So how is it possible for you to verify anything you are reporting on my consumer credit file. Equifax is violating my federal protected consumer rights!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
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: Information belongs to someone else

Complaint:
these accounts that i am disputing are due to identity theft and fraud and need to be removed. I did not provide permission for you all to furnish anything. As A consumer i know my rights per 15 usc 1681 b.

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 2023-07-12
Company: Experian Information Solutions Inc.
State: TX
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 USC 1681. 

XXXXAccount Name : XXXX XXXX Account Number : XXXX XXXX Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Name : XXXX XXXX XXXX. 
Account Number : XXXX XXXXAccount Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX CT TX XXXX XXXX Number : XXXX Date Filed XX/XX/2021 XXXX. Account Name XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX. Account Name XXXX XXXX  Account Number XXXX XXXX. Account Name XXXX XXXX XXXX Account Number XXXX XXXX Has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 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.

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 2019-07-10
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I cashed and deposited a check from my employer of 20 years at Wells Fargo as I have every month for the past nine years. A week later I got an email from Wells Fargo saying the {$1500.00} had been removed from my account and the check was being returned to me. The only reason given was " Unusable Image. '' They also charged me a {$12.00} fee. After spending many hours on the phone with Wells Fargo they admitted it was their error and that the teller had " deposited the check upside down. '' They need new procedures where, rather than being automated, they call to talk to the customer first rather than kicking money I counted on out of my account before I had a chance to prepare for such a thing. They also owe me for the time I have wasted dealing with this nonsense. Supposedly they will return a copy of the check and then I have to go back to the bank and re-cash the check. Or something. I have gotten multiple different stories on what to do next.

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