BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
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: Account status incorrect

Complaint:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX and Equifax. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: IL
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 1681.Section 602 A. states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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. 

1. CREDITOR : XXXX XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$4600.00} 2. CREDITOR : XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OPENED : XX/XX/XXXX BALANCE : {$270.00} XXXX. CREDITOR : XXXX XXXX XXXX : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$9300.00} XXXX. CREDITOR : XXXX XXXXXXXX XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXX, OR XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$2500.00} XXXX. CREDITOR : XXXXXXXX XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$450.00} XXXX. CREDITOR : XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$3600.00} 7. CREDITOR : XXXX XXXX CARD SERVICES ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$3300.00} THESE ARE THE ALLEGED ACCOUNTS I WANT REMOVED FROM MY CREDIT REPORT IMMEDIATLY THANK YOU, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: AMERIS BANCORP
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
For the last 4 Months, my Monthly payments have went from {$780.00} to {$1200.00} this has caused a hardship and a struggle to keep up and prevent from getting behind in my payments. I have reached out to my loan servicer on several occasions only to be bullied into paying without any suggestions or help or any available solutions Although I have a signed contract with a fixed rate loan, my payments exceeded {$400.00} over my contract amount. We are currently in a pandemic were hourly salaries are impacted from week to week based on consumer buying habits. There is currently a moratorium on mortgages through the Federal Govt yet Ameris Bank has engaged in price gouging and very slow relief efforts. 
I applied for the lower tax rate of 4 % with my local county Assessor 's office which took 10 weeks to go through the review and approval process. Although my loan servicer knew an approval would mean a reduction in taxes owed I was told that I had to continue to pay the overage until they received the information and proof. 

They have received this information yet when you call them they continually have an excuse as to why my mortgage payments have not been returned to normal, They have no urgency in trying to help me except to bully you by saying you must pay the overage until the issue is resolved. {$400.00} is a large amount of money, money that can be going toward other obligations to keep those bills from going past due!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2023 I submitted a balance transfer through XXXX XXXX ( card # ending XXXX ) to pay off a portion of my balance with XXXX XXXX XXXX ( XXXX XXXX ). The balance transfer was instead sent to Barclay card services with my XXXX XXXX account number - XXXX for {$2200.00}. It's unclear if I entered the wrong info or what happened, but that acct does not exist with Barclays. I contacted XXXX XXXX who submitted the balance transfer, and they said Barclays needs to do a payment inquiry and return the money. Barclays said they have no way to locate the payment and XXXX XXXX should be assisting with this. XXXX XXXX said they do not have the option to stop payment for balance transfers and my request to have it returned has been declined because there was no bank error in processing. My XXXX XXXX case number is XXXX submitted. The manager I spoke with at Barclays card services was XXXX in resolutions- XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report and would like them to be removed immediately. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 )  I have not initiated any transaction with XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX, TX XXXX Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX. 2023 I noticed as I was looking over my credit I noticed there was an auto loan that I was unaware about. Overtime I've received calls and emails from capital one about this but I never really sat down and paid it any attention until now because it started to affect my credit. I thought that the calls and emails were reminders for my own personal credit card I have through them not an auto finance loan through capital one. Now that I'm looking more into it I believe there has been an identity fraud theft because I've been receiving notices about car tickets in my name under this cars information. I am taking the proper precautions to get this taken care of because this is an unfortunate circumstance and is affecting my credit and causing me debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
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:
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 explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am starting the process of buying a car as my current vehicle has started leaking oil and I am trying to get a safe and reliable vehicle for myself and child. I decided to pay XXXX for a subscription so that I can start to shop and get the best rate possible. I noticed several inaccuracies, and accounts that I do not recognize including inquiries. 

I have requested several times for proof. These bureaus have failed to provide me with a copy of any viable evidence, bearing my signature, showing these accounts are mine and being reported accurately. I am referencing to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... .promptly DELETE all information which can not be verified.

I receive a response back that the information is accurate and the bureau will then update my report still reflecting inaccuracies without ever supplying me with any proof. Who verified the inaccuracies? I have a right to this information so that I can follow up with them directly referencing Section 611 ( a ) ( 7 ) They are in violation of Federal Law by allowing these unverified accounts and items to remaining my credit report. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that the information is not only mine but is also accurate.

How is this fair? I have tried several times through written mail, phone calls and using their online systems. I honestly do not believe that a person is even looking at my requests let alone investigating my disputes thoroughly.

Finally, In accordance with the fair credit reporting act 15 USC 1681, my rights have been violated and these accounts continue to negatively affect me. I am starting to feel despair because I feel like I am being bullied by the CRAs and that they are counting on the fact that a single individual may not have the time or resources to resolve these issues.

I am not typically a confrontational nor litigious person. For months I have let this go as I had given up and just accepted the fact that I will have to deal with this. However, I realized that laws are made for a reason and are there to safe guard and keep in line for fairness and equality.

The law is very clear as to the civil liability and the remedy available to me ( section 616 & 617 ) if these companies continue to disregard and fail to comply with Federal Law, I fully intend on pursing litigation in this matter to enforce my rights under the FCRA

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 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 Transuion was supposed to remove fraudulent accounts XXXX XXXX, XXXX XXXX XXXX XXXX  off my report as well as 6 Hard inquiries XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, Factual that are no obligation of mines 1692b. It is pass the 30 days need to review. Transuion has denied my access too my credit Report via online and over the phone. This is violating my consumer right 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691 I sent them a affidavit of Truth, Cease and Desist, Validation letter, and a invoice for 15 usc 1692k- civil liability ; for failure to comply with a provision of this subchapter.

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 2023-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I purchased a ticket with XXXX XXXX, as well all know any ticket can be cancelled within XXXXhours. I reached out to them around XXXX hours of booking the flight to let them know it would need to be cancelled. The lady on the phone reassured me it was canceled asked if I wanted the confirmation but it was canceled. Fast forward I see the charge never leave my credit card I reach out to them instantly. They begin the dispute one to re change me again. This is a reoccurring charge I am experiencing and feel robbed not only by XXXX XXXX  but as well as Bank of America. I have never had a successful dispute with my Bank of America credit card and am the subject of having to pay for things I have returned. Bank of America is scamming customers and not handling disputes properly!

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 2023-08-22
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My husband financed a vehicle with me also as an account owner in XX/XX/2023. My husband and I both own the vehicle and my name is on the account. The creditor only sent statements addressed to my husband causing an oversight and missed payment, which then went on my credit report. The creditor claims they are not required to send statements addressed to both account owners. ( One phone representative even said that all the names dont fit on the mail, though we have mail from other joint accounts addressed to us both. ) I requested the creditor to add my name to all mail and to also remove the derogatory mark from my credit report and they are refusing to grant either request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 DEPARTMENT OF EDUCATION XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We lost our home due to foreclosure in XXXX ; however, the process began between XXXX. I believe Wells Fargo and their unlawful loan modification denials led to the loss of our family 's home. I am in possession of over 100 pages of documentation which support communication to support the belief that my family was a victim of the Wells Fargo violations that effected several of the banks largest products and ultimately contributed to the loss of customers homes. In addition, my mother 's credit was deemed delinquent by Wells Fargo and used against as a reason why they would not approve the loan modification we requested - that was NOT TRUE but they still continued to utilize this misinformation as a standard to deny the modification. In XXXX, after a report surfaced about victims of this underhanded practice, Wells Fargo admitted they made an " error '' in regard to the credit reporting issued against my mother but would not investigate the loan modification denial attached to the case. Please help us as this matter is of utmost importance to me. Our lives have been impacted and destroyed by this unfortunate situation. We lost everything and were forced to make life altering decisions which changed the entire trajectories of our family 's existence.

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 2021-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 made online bookings with XXXX to stay at XXXX XXXX XXXX XXXX, Alaska for the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my family and my sister 's family. When I arrived at the Motel on XX/XX/XXXX night XXXX and saw the room conditions were horrible and it is not safe for myself and my family to stay at this place. Therefore I asked the Motel personnel to cancel the reservation for all of the above days I booked, the Motel Employee refused to cancel the reservations and said there is no Manager available. 

Then I contacted XXXX and spoke to them more than 1 hour to cancel these reservations and to make alternate arrangements. However XXXX neither made alternate arrangements for me nor they cancelled the reservations. Myself and our family were Stranded at that time, and we spend the night at our cars in a Parking Lot with no access to Restrooms or Drinking water. 

After I comeback from my vacation, On XX/XX/XXXX I filed disputes with all of the reservations with Capital One and sent all the information pertaining to the disputes to them. On XX/XX/XXXX, Capital One reversed the charges and on XX/XX/XXXX they took the side of the XXXX 's rebuttal and put the charges back again into my account saying that I need to show cancellation proof from XXXX or XXXX XXXX XXXX. 

On XX/XX/XXXX, I filed my response to the rebuttal form along with the images of the horrible condition of the Motel. 

On XXXX XXXX, XXXX, I again sent a response to Capital One explaining about the circumstances that either XXXX or XXXX XXXX XXXX is not providing the cancellation proof and taking advantage of false advertising. 

How do I submit the cancellation proof if XXXX or XXXX XXXX XXXX doesn't provide me one? 

Under the Fair Credit Billing Act- Federal Statute- 1975, if the services rendered and quality are not met to the customer satisfaction then the customer has the right to dispute the charges, however Capital one is denying me the lawful right to dispute. 

Please take up the matter with Capital One and get this dispute resolved and all the charges reimbursed to my account. 

Thank you

Company response to consumer: Closed with explanation