BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-24
Company: EQUIFAX, 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:
In accordance to Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violate my rights. 15 U.S.C 168 Section 602A states I have the right to privacy. 15 U.S.C 168 Section 604A Section 2 states consumers reporting agency can not function account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. 

The Credit Bureau stated that The information you disputed has been verified as accurate, but how is that possible when the information ( XXXX XXXX ) they said they verified from XXXX is not on my XXXX credit report? 

Equifax has violated my rights, and keep violating my rights even when I have tried to resolve this account several times. 

I have attached the Equifax results of the reinvestigation where they stated they obtained my information from XXXX. I also attached my XXXX credit report that has no information ( XXXX XXXX ) that Equifax obtained XXXX 

15 U.S. Code 1681i states If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Experian Information Solutions Inc.
State: OH
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 worked with several credit repair agencies with the hope of having items reporting on my credit reports accurately to no avail. This has been ongoing for well over five years and has cost me thousands of dollars. The end results have been so-called accounts verified and one company has been out of business now for several years but yet the accounts have been verified through them. Furthermore, the student loans went into rehabilitation than consolidated under one lender and is currently in deferment. There remains duplicated accounts with origination dates of the dispute not when they were opened there are at least 15 accounts in all that is listed as individual loan amounts when in fact they are the same loans that are currently consolidated. The amount will total the XXXX that is currently owed which is close to the max that I can apply for the amounts varies from XXXX to XXXX but they remain uncorrected and has brought my score so far down that I have been placed into sub-prime bowering status with interest rates triple what they should be. I have worked very hard to get my score up and every time I attempt to get this matter resolved my score goes down and nothing has changed except for the origination date on the debt.

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 2016-05-03
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I sent a cease and desist letter to World Finance several weeks ago and they continue to harass me and use threatening language. The letter was sent XXXX XXXX, 2016. When they call they state they do n't care about what the letter states and harass me over the telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am in the process of trying to work on improving my credit credit and credit scores. I called Capital One at their customer service telephone number on XX/XX/XXXX at XXXX EST and spoke with a representative. I was trying to get a full list of my payment history from both credit card accounts. I was told that I could only be sent 15 statements of my payment history. I inquired on why such a large company would be only to send me the last 15 statements and not all the payment history. I then was told that she would have to speak with an internal person for assistance. She came back and gave me the same answer as only XXXX statements. I then asked for a supervisor and spoke with a team leader, who reiterated the same thing again. She insured me that I would get the payment history sent to me. I still have not received the statements either email or through the regular mail. I need to have proof of my payments made to my accounts and that information is not listed in the app or on my accounts. Please assist me with getting the payment history for the entire time on both of my credit card accounts. Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I recently opened a Barclays ( Old Navy ) store card. My first statement balamce was XXXX of which I paid XXXX ( more than required ). The remainig balance was XXXX, including a XXXX finance charge on my new statement. I paid the remaining balance ( XXXX ) way before due date and I had a XXXX balance. On XX/XX/2023 I made a small purchase which reflected on my most recent statement with payment due date XX/XX/2023. I noticed on this statement a XXXX ... '' minimum charge '' not interest charge, but minimum charge on the statement. I reached out to Barclays for expalanations and I was told that the XXXX stemed from the original balance of XXXX which I have already paid off in 2 installment and with XXXX interest or finance charge. 

My question is this, is that legal or can they even do this at all, regardless of the term of use. Or, better, is that fair to consumers like myself to pay these types of charges on a credit card with XXXX ( XXXX balance? I am questioning this little amount of money now before I am charged much more later and unexpectedly. 
I look forward to your assistance in resolving this issues

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 2023-06-24
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My checking account was wrongfully closed. After XXXX XXXX falsely accused me of harassment to them. I even have a letter from them stating that my checking account was due to XXXX XXXX. People think in XXXX XXXX age group that they are so mart but their not. They don't have a right to close my account based on defamation of my character. They are full of it as usual. This incident occurred at their bank. She brought the neighbor 's problem to the bank. So wells fargo is responsible for thier employees actions. They can deny they wrongfully closed my account all they like. I was stalked by XXXX XXXX and this was why. I was made to come to the local branch. This is a clear violation of my civil rights, for them to ban me from wells fargo. AFTER XXXX XXXX falsely accused me and called the police on me. While I was at the branch. I had no problems prior to XXXX XXXX wrongfully interfering with my banking business. This is a clear violation of my civil rights telling me not to visit any wells fargo. They are the ones who continue to cover up for XXXX XXXX. This is why I am due compensation from XXXX XXXX for falsely calling the police. This will add to my lawsuit their continue denial of them siding with their employee XXXX XXXX. I was WRONGED here by the entire wells fargo bank. Only after XXXX XXXX knew she would get away with it. Because XXXX XXXX is one of their friends covering up for them. This was down right CRUEL what was done to me and my son. XXXX XXXX acted like she was going to settle. But she is just as evil and criminal like XXXX and XXXX XXXX. These young people think they can outsmart everyone else who is older than them. 

I am banned from doing any business with wells fargo. Because of XXXX XXXX. 

The problem is they weren't exercising their right to close my account. The first year that I had my account until XXXX XXXX falsely accused me of them. Is when they exercised their right to close my account. They keep missing that part. I was wronged by wells fargo and continue being wronged. With them saying they terminated the business relationship. All due to XXXX XXXX falsely accusing me to XXXX XXXX. 

I haven't done anything to deserve this type of treatment. It was unfair for my account to be closed. Based on a LIE. This is where I am owed compensation and how XXXX XXXX falsely accused me of harassing her XXXX XXXX was on their property. When she messed with me. She just kept messing with me. XXXX XXXX keeps ignoring the face like they all have. That my account wasn't closed until XXXX XXXX falsely accused me. 

Wells fargo is responsible for my pain and suffering and emotional distress. 

My new checking account only had been open not even a month. When it was closed.

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 2023-12-20
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
LoanCare XXXX was my mortgage servicer. Both my wife and I were laid off in XXXX and XX/XX/2023. We asked Loancare for Forbearance. After a battle with the front line team the department manager XXXX XXXX agreed and suppressed the credit reporting. The agreement was that at the end of the 3 months the interest and principle payments the were part of forbearance would be deferred to the end of the loan and escrow would be added to my payments spread over 4 years. 

Toward the end of that period I received notice that my loan was going to be transferred to XXXX XXXX. I communicated with XXXX XXXX and he assured me that the deferment would be completed before the loan was transferred so that my account would be current and not on forbearance with XXXX. They lied. 

Now XXXX shows me as XXXX+ months overdue! This risks my credit and financial stability. All of this happened over the course of dozens of emails, phone calls and messages to LoanCare executives through XXXX. 

These are deceptive trade practices and flagrant falsifications of information and failures to perform the basic tasks promised and agreed to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents 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 2023-09-20
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
You are in violation of 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I have notified XXXX, XXXX, and XXXX that the following account is reporting inaccurate. 
The terms on the following account is invalid. 
Please remove this account immediately and CEASE all reporting to all XXXX credit reporting agencies

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 2022-06-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried to pull my credit report and I am unable to pull it from Equifax. The company have locked my credit file and I can't apply for credit or get a home loan. I have reported it several times. The agents that are out of the country will not assist me properly and is discriminating against me because I am a victim of XXXX  XXXX. Today, XX/XX/2022 I spoke with XXXX and she refused to remove the credit security block. She told me that the creditors must call to request my credit file. The creditors told me for my home loan that it is illegal and they will not do it. Equifax have also refused to dispute any items on my credit file. 


I am a victim of XXXX XXXXXXXX. I am a victim of ID Theft. I was XXXX. I have disputed item on my credit report due to going through ID Theft. Equifax have removed inaccuracies from my report. The did removed the fraud alert from my credit file, and the freeze. But in retaliation they did a hard credit file lock on my file. I couldnt close on my mortgage or Refinance my car. The company said they creditors need to call them before pulling my credit file. In response the banks said they will not follow that procedure at all. They said they have many consumers and thats is a banking violation. I called Equifax and they told me that they can not remove the credit bureau lock. I worked with agents that were unprofessional and retaliated against me because XXXX XXXX, XXXX, and because of the things I disclosed to them about my life that led up to ID theft. The 3 agents in the Office of consumer affairs are : XXXX XXXX, XXXX XXXX, XXXX, and XXXX. Equifax have people in other countries working and they were not properly trained not to discriminate and treat US citizens properly. I am scheduled to hire an attorney to sue Equifax, for pain and suffering, discrimination and violating the FCRA. They do not care and the agents said its nothing they will do the problem has been escalated. One person name XXXX said it has been removed and when the mortgage company pulled my credit she said that was not true

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Avant Holding Company, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On the week ending XX/XX/2023 I was pre approved for an Avant credit card. They had to verify my email address as part of the approval, I never received their email. I called the XXXX cust. service MULTIPLE times, and they kept saying " it's your computer ''. No it isnt!! I am receiving emails just FINE!! One of them said that they had an old email address of mine that has been gone for at least 5 years now!! I told them that their " I T '' dept is negligent in not changing me email address to the new one. It keeps defaulting back to the old email and that is why I can not receive an email from them!! Those " kids '' have no clue at all about how computers work!! 

I only have so much time to finish the application process, but they do not know what they are doing at all!! 
And they said MULTIPLE times that they escalated this issue to their supposed corporate office and they would call me, THEY NEVER CALLED ME! They should have had someone from there for me to speak to when I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: U.S. BANCORP
State: IA
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:
To Whom It May Concern On XX/XX/2023 I've purchased a part for my XXXX. Order number XXXX for total price of {$140.00} *The part did not fit and so I mailed it back for a refund in its original packaging. I did not even remove the part from packaging. It was a trim piece so I knew it would not fit. 
XXXX provided me with a label to ship the part back of which I shipped it right away. 
*Once I saw via tracking that XXXX received the part, I inquired on the refund. 
*I have been told by XXXX XXXX XXXX that he processed a refund on XX/XX/2023 then again on XX/XX/2023 however my bank ( US Bank ) along with XXXX states there is absolutely no refund on the account. I do not see any monies in my account either. 

US Bank is refusing to file a dispute on my behalf though I know that US Bank is insured. I am out of {$140.00}. In addition, I have provided US Bank multiple emails stating from the merchant that they have supposedly refunded the money. US Bank agreed that there is no money refunded however US Bank is refusing to help. This is nothing but a fraud case and US Bank should stand by their clients. 
I am extremely upset that I can not trust my own bank to protect me in such cases. 

Sincerely, 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 monetary relief