BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
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: 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 1681XXXX 
Account Name : XXXX XXXX XXXX. Account Number : XXXX Account Name : XXXX  XXXX  XXXX XXXX. Account Number XXXX Account Name : XXXX XXXX. Account XXXX XXXX Account Name : XXXX  XXXX XXXX XXXX. Account Number XXXX Account Name : XXXX XXXX XXXX. Account 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/XXXXXXXX  I received a letter from MRS BPO , LLC ( MRS ) dated XX/XX/XXXX, notifying me that they were a debt collector trying to collect {$63.00} that I supposedly owed to XXXX XXXX. I sent an email reply to MRS on XX/XX/XXXX, to XXXX, the email address that was listed on XXXX XXXX XXXX XXXX XXXXXXXX ( that website was listed on the MRS letter under " Contact Information '' ). Below is the text of my letter : " I am in receipt of your letter dated XX/XX/XXXX. XXXX XXXX has not been my mobile service provider for some time and I do not believe I owe it any money. Therefore, I hereby request that you provide me with a validation letter to verify the alleged debt. Such letter should include ( without limitation ) proof that the debt belongs to me, the alleged non-payment time period and the authorization to collect on the debt on behalf of XXXX XXXX. Please send all communications to me regarding this matter to this email address [ my email address ]. '' When I did not receive a reply from MRS , I mailed them by USPS a letter with a copy of my email on XX/XX/XXXX. I mailed my letter to MRS BPO , LLC, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, which is the address listed on the MRS letter as one of their contact alternatives. 

When I still had not received a reply to my email or letter, I contacted XXXX on XX/XX/XXXX. The customer representative told me, among other things, that she wanted to credit my account so the billing issue would be resolved, but the matter was transferred to a collection company that day, XX/XX/XXXX, so she was not able to do it. She told me that she was not allowed to give me the name of the collection company. I have screen shots of my chat to prove what was said. 

Based on that conversation with the XXXX customer representative, it appears that MRS contacted me in XX/XX/XXXXXXXX  before they had an authorization to do so. Furthermore, they never responded to my request to provide me with authorization confirmation. However, starting on XX/XX/XXXX, I received numerous texts from at least 22 different phone numbers in various area codes claiming to be from MRS BPO , LLC. Since I specifically requested MRS to contact me only via email, I did not reply to such harassment texts. 

Today, XX/XX/XXXX, I received a notification from my credit monitoring service that a negative report was filed by XXXX and it significantly reduced my credit score ( it used to be over 800 ). I believe this is at least partially a result of unscrupulous tactics by MRS and their failure to communicate with me in a legally required way. 

I have written and electronic evidence to support the statements made in this complaint. I will submit such evidence if it's deemed to be necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A XXXX XXXX  credit card and a XXXX credit card was opened in my name. Additionally my name was changed on my credit report. XXXX XXXX  has contacted XXXX XXXXXXXX and XXXX to report fraud. My name has been corrected with XXXX. 

The XXXX XXXXXXXX credit card was opened on XX/XX/. The XXXX credit card was opened on XX/XX/XXXX 

As of XX/XX/ my credit score was XXXX. 
Currently with the credit checks and these 2 credit card added which I did not open or apply for, my credit score has dropped to XXXXXXXX XXXX XXXX is currently in process to resolve and restore this issue,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX a Consumer sent Trans Union an official authorized affidavit in the form of an Identity Theft Report from the federal trade commission. Trans Union still has failed to follow procedures they did not block the information they were supposed to for there mismanaged procedures. They are not in compliance with the Federal law and continue to violate my rights. I continue to suffer from thier negligence and failure to comply with the 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 2023-01-23
Company: EQUIFAX, INC.
State: MN
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:
Equifax Im sorry but you are going to have to permanently remove and delete XXXX XXXX account XXXX from my credit file! Due to FCRA violations. I asked you To review XXXX XXXX bank response date it XX/XX/XXXX in which they stated in their final response that they had notified all credit reporting agencies of the XXXX  XXXX bankruptcy that is completely false. And it was more than 30 days the item was not updated delete it therefore its a violation of the FCRA and it needs to come off the report today I also asked of you to review your response on XX/XX/XXXX in you stated the bankruptcy was not included this is more than 60 days since the item was disputed which is attached as well to the CFPB portal remove this from my credit file right now. XXXX XXXX also stated that they believe in fair and accurate credit reporting at 100 % which is XXXX  I demand you to remove this immediately included in bankruptcy was never entered and it must be removed today also review XXXX XXXX they show that Between XX/XX/XXXX and XX/XX/XXXX, the following remarks were added to this account : Consumer disputes after resolution Bankruptcy XXXX XXXX Bankruptcy discharged Remarks are meant to make your report more clear. 
If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
NO Way This is allow to report on my credit file remove this today! Information should have been on the report back in XX/XX/XXXX and we are in XXXX XXXX XXXX No Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
called Capital One with a conference call including CompleteID representative. 
Was able to convince Capital One To Close Fraudulent Account, But Master Card subsequently issued a Capital One MasterCard Debit Card. Master Card Claims they can only deal with Fraudulent accounts when their Security Department is open for business. and have done nothing to remove the Fraudulent Master Card Account. 
Also XXXX has sent me a text thanking me for checking out with XXXX, I do not have an account With XXXX, nor Capital One Nor Master Card, all Three are fraudulent. 
XXXX is Phishing for my Email or Telephone Number and sign up as a condition of contacting them through their resolution website. I do not want to give my Number or email and create an account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX 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 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 XXXXXX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: EQUIFAX, INC.
State: WI
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:
I sent a certified letter to all three credit bureaus requesting them to investigate this closed account which has been closed since XX/XX/17. I asked for them to delete this closed account I also called them and it still is a hindrance on my credit report.This closed account has decreased my credit score, I'm having hardship in my life this closed account has caused me to be denied credit for housing etc. I sent the certified letters over 90 days ago and still nothing from them this violated the FCRA laws that makes the credit bureaus responsible to reply to consumers in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: GVA Holdings, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I tried to get a loan. When their instant verification system failed, I tried to chat with them to fix the issue. I was kicked off chat 5x. I finally called in and was told that I needed to email in 3 months of bank statements. I did, checking my sent emails to make sure all 3 were attached. I called in again and was told that I only sent in 1, that I needed to send in all 3 again. I did and was told they still only got one. I told them that I checked my sent emails AGAIN, and all 3 were sent. I told them to forget it, that if it was that hard to get a loan from them, I didnt want it. I asked for my information to be deleted and to be unsubscribed from everything. The guy said sure. I KEPT getting emails and calls. I then got an email that my loan had adverse action and they wouldnt give me a loan- after I ASKED it be deleted. Then I went online and unsubscribed AGAIN. I thought it was over, but just this morning, I got ANOTHER email saying that if I didnt take action, my application would be deleted on XX/XX/15. This after Id spoken to a rep asking for everything to be deleted AND unsubscribing online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: WELLS FARGO & COMPANY
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I received a check from Wells Fargo today. It is a check that " represents the difference between the full amount of the refund owed under your GAP contract and the GAP Refund you received previously ''. 

The problem is, I NEVER received the first refund. When I called Wells Fargo today, the representative told me the Wells Fargo did not handle the first distribution and he did not know which bank did. He was not able to help me.

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 2022-02-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I became a victim of a scam attempt that used Wells Fargo ( WF ) XXXX 's service to obtain money from my bank account. The perpetrators used a caller ID that matched the Banks customer service line identically. I was instructed by the " bank rep '' to pay myself a grand total of {$3500.00} via XXXX to cancel out a hackers attempt who was trying to steal my money. I called Wells Fargo to confirm if this action reflected on their end, unfortunately it did not which resulted in my funds being stolen. I filed a fraud claim with WF and later found out that the claim was filed with the non-fraud department who denied my claim which resulted in a total loss. I later found out that XXXX XXXX XXXX ( XXXX  ) customers had also become victims of the exact same scam attempt I had been experienced. However, XXXX  obliged with their members request for protection under the federal Electronic Fund Transfer Act : regulation E, established by the Consumer Financial Protection Bureau. I attempted to file a new claim with the fraud department ( correcting WF initial mistake of filing with the wrong dept. from my first claim ) given the new intel on XXXX 's policies. After further review, WF pleaded that since I authorized the " transaction '' it is not considered fraud and they decided not to compensate me in any manner. I am filing this complaint to reveal that WF does not follow the federal law to protect its members and I hope the consumer financial protection bureau will follow up on this issue.

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 2023-01-23
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XXXX i ask can they please send me original contract with my signature to verify debt instead they are making up paperwork to send me to validate debt also i am a victim of XXXX XXXX breach They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!! also in violation 15 U.S. Code 1681 i7 show steps how proof was obtain They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!! 15 U.S. Code 1611- Criminal liability for willful and knowing violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Westlake Services, LLC
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: Reporting company used your report improperly

Complaint:
I presume no proof of the alleged debt nor in fact therefore exists.

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 2021-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance of my mortgage with Bank of America on XX/XX/2021. As of XX/XX/2021, more than 60 days have passed since my application date and they have not issued me a credit decision yet. After they charged me {$1200.00} for a credit report fee and appraisal fee ( which seems suspiciously high ), they are unable to deliver me a credit decision to know where I stand with them. I have emailed two of their managers - XXXX XXXX and XXXX XXXX ; they have both been unresponsive to my inquiry and status of my loan. This is a clear RESPA and Equal Credit Opportunity Act violation. 

I am providing you with copies of my initial disclosures to document the application date and provide you with the loan number to reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-03
Company: Experian Information Solutions Inc.
State: MI
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 am having a background check done and while looking over the report from Experian it shows a prior residence address as XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have never lived at that address and have never used that address. It shows a date as XX/XX/1996

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 2023-01-10
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Loan from XXXX XXXX XXXX XXXX : Loan originated in XXXX of XXXX for approximately {$35000.00} rate of 3 % for 60 months I set up auto payments shortly there after, I included a small amount extra in the payment to be included in the principal to pay the loan off faster. 

I noticed that the extra I was paying was NOT being applied to the principal as I requested. I called on XX/XX/XXXX to try and straighten this out. The reps at XXXX XXXX alleged that they could not apply the extra with out a phone call to implement a manual process. So they were making it intentionally difficult to pay a loan off early? I resigned myself to not being able to fight a large company, and told them to go ahead and apply the extra money I had paid to the principal. I was told this was done and I would receive an email/notice of some sort. 

As far as I can tell nothing happened. No notice, no extra paid down on the loan. I called again today on XX/XX/XXXX with the same issue. I would like to know how I am unable to pay this loan down. I do not understand why the process was difficult it is all simple math and is in no way complicated, unless by design of XXXX XXXX XXXX XXXX. The reps gave me generally the same story that I could not pay any extra principal on the loan without a phone call and manual process. However this was ONLY available to the past 3 months of over payments. I said yes please apply the principal but I insisted on some sort of notice in writing that this was being done. The flat out refused to give me any notification. I got " service numbers '' which mean nothing to me. I would like to see something in writing that my transaction is being processes, and carried out. I have zero way of knowing if XXXX XXXX will keep their word or simply get lost in their bureaucracy. I asked to escalated to someone who could give me some sort of notice. I spoke to " XXXX '' and I was met with refusal. 

( Service numbers provided by XXXX XXXX : XXXX XXXX XXXX ) No one would identify themselves to me, I had no way of knowing who I was talking to or what actions to take next if my money was not being spent according to my wishes. 

I would love to have a conversation with someone knowledgeable on the subject. I also find it unethical that a company can make paying off a loan so difficult for consumers. 

Thank you 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