BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26
Company: ERC
State: UT
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 XXXX continue to report on my XXXX a fraudulent debt from XXXX on my credit report. Im in a dispute with XXXX over a fraudulent balance left in my name over an unauthorized device ordered placed without my permission or knowledge. The police reports validate my information and use of my name was stolen to obtain credit and other unauthorized devices. Additionally a debt collector called ERC contacted me yesterday stating XXXX has now sent them the debt to pursue which I have requested for them to open a fraud investigation back with XXXX on this matter. XXXX XXXX has no legal authorization to continue to pursue or report this debt to XXXX   which is a major violation under the FCRA and FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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:
my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report and are in violation of Federal Law. You are required under the FCRA to have a copy of the 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?

You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

account : XXXX account number : XXXX Amount : {$600.00} account : XXXX account number : XXXX Amount : {$570.00} account : XXXX XXXX account number : XXXX Amount : {$600.00} account : XXXX XXXX account number : XXXX Amount : {$570.00} In addition, Delete all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2023-05-28
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:
While checking my most recent credit report, I noticed credit inquiry that I did not authorize and made by the following companies investigate the following information. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 
Please be advised I dont want to receive any stall tactic computerized response in reply to my dispute letters by bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding unfamiliar and wrong information on my credit profile, I still over 45 days later have NOT received a response yet! Im obviously being taken advantage of and my disputes are being ignored. According to SECTION 611 ( a ), a failure to investigate these items within 30 days give legitimate reason to immediately remove those items from my credit profile it has been well over 45 days so they should be deleted right away. I demand these accounts be deleted immediately or I will file for litigation due to the frustration, confusion, and stress you caused me. My information was also impacted by the equifax data breach and someone may have gained access to my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Paypal Holdings, Inc
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 status incorrect

Complaint:
I have attempted to contact PayPal for years. Yet they only respond on email claiming they have called yet has never called. 



I had a seller account on XXXX which is operating payments through PayPal. 

On XX/XX/XXXX the buyer in the document included purchased an XXXX XXXX from me. 
Item was shipped and received perfectly fine. Even though purchase had a no refund and no return policy. The buyer waited 3 weeks to them advise phone screen is freezing. Beyond his knowledge the phone is brand new, being that I had lost mine prior to my contract ending and had to be sent a new one. Paypal ruled the case in the buyers favor and approved him to return the device. Which I have still not received my phone back. The customer stole my phone and sent me back a phone screen glass. In dispute I immediately contacted paypal and advised of the issue. Then they advised I had till a certain date to get police report. Even though the date hadnt passed paypal went against what was advised an closed case early and refunded client even though I have included pictures of what was returned to me. 


I would like to proceed with all necessary to be refunded for my phone as well as compensation for this inconvenience, stress and all the incorrect info being reported to the credit bureaus. Not only they did not protect me as a seller. They also helped a person steal from me. I will Include all the documents PayPal also received for this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
State: TN
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:
I have mailed and faxed this credit bureau beginning on XX/XX/XXXX to XX/XX/XXXX on numerous occasions asking for these inquiries to be removed that I didn't approve or know knowledge of. I even placed a fraud alert, reported them on the FTC website and have frozen all three bureaus and they still have not deleted the following inquiries : XXXX XX/XX/XXXX a fraudulent acct that was closed due to fraud on my account. XXXX XXXX XXXX  XX/XX/XXXX a account that was paid and closed in XXXX, so how is there a new inquiry from that company. XXXX XXXX XX/XX/XXXX that was a fraudulent inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-28
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 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 XXXXREPORTED : XXXX AND XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
Company: EQUIFAX, 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:
XXXX XXXX XXXX, XX/XX/2020 {$280.00} XXXX XXXX XXXX, XX/XX/2020, {$200.00} XXXX XXXX XXXX XXXX, XX/XX/2020, UNKNOWN ALL ACCOUNTS ARE FRAUD NEVER APPLIED OR GAVE CONSENT TO OPEN ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26
Company: BB&T CORPORATION
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have repeatedly told the people calling that they are calling me after XXXX XXXX CDT. I get calls repeatedly all day long after I have spoke with another representative to make arrangements. I am now being called late at night on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX CDT.  This company threatens and bullies during phone calls.

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 2023-09-11
Company: U.S. BANCORP
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023, I went to my local branch of US Bank to pay the full balance of my home equity line of credit ( HELOC ), Account # XXXX. I asked the teller for the precise sum that would pay the loan in full, and was advised the amount was {$19000.00}. As I wrote the check, I asked the teller to confirm the amount once again, which she did. I then gave the check to the teller, got a written receipt, and left the bank with the understanding that the HELOC had been paid off. 

Despite this, on Saturday, XX/XX/2023, I received a mailed statement from US Bank dated XX/XX/2023, advising that the HELOC still had an unpaid " Principal Balance '' of {$83.00}. Not understanding why, I went to the same branch of that bank on the following Monday, XX/XX/2023, to speak with a bank officer. At the time, I met with an officer named XXXX XXXX XXXX, who -- after doing some investigation over the phone with another US Bank agent -- advised me that the teller had given me the incorrect amount because she hadn't included outstanding interest on the loan. XXXX XXXX further advised that the true amount owing to pay the loan in full was no longer {$83.00}, as set forth in the bank 's XX/XX/2023 statement, but was now {$110.00}, because an additional {$36.00} in interest had accrued on that {$83.00} " Principal Balance '' since XX/XX/XXXX. I protested this additional charge, and the exorbitant interest on that charge, but proceeded to write a check to the bank for {$110.00} merely to avoid further fees. I gave the check to XXXX XXXX on XX/XX/2023, and left the bank. 

This complaint has nothing to do with XXXX XXXX, who throughout the meeting was sympathetic. It has to do with what I believe are deceitful representations to the public and usurious interest rates being charged by US Bank. 

I believe there are two problems here. The first is that the bank 's authorized agent, in this case the teller, represented to me that the amount that would satisfy this HELOC in full was $ XXXX, that I relied on that representation by paying that precise sum, and that the bank proceeded to demand XXXX XXXX XXXX XXXX XXXX to pay off the loan. Even if, as XXXX XXXX advised, the teller gave me incorrect information, the bank should be bound by its agent 's mistake. 

The second problem is that even if I should bear the onus of the teller 's mistake, the bank has no basis for charging an additional {$36.00} in interest on a " Principal Balance '' of {$83.00} for the period XX/XX/2023 ( the date of the bank 's mailed statement ) to XX/XX/2023 ( when I met with XXXX XXXX and paid the amount being demanded ). The effective rate of interest is roughly 1000 %, surely a violation of the usury laws.

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 2023-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Many tender of payments have been made to Capital One and none of them applied..also Capital one has caused me injury by constantly reporting false statements to my credit report when they are the ones that are in dishonor by not applying my payments. According to UCC 3-603 even if the payments are rejected, ignored or otherwise they are still valid and the debt has to be dicharged. Capital one has further caused me harm by closing all my accounts when payments were tendered. Ive written to Capital one to have the interest they are holding on behalf of the principal account XXXX XXXX XXXX applied to the debt and that also has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions 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:
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. Account Name : XXXX, XXXX Account Number # XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-10-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hello, I received a letter from Wells Fargo about a change of address notification for a checking account and a platinum debit card. Checking account ending XXXX and debit card ending in XXXX. They also mentioned that they have updated the address and they are checking whether it was me who did that change. I called them immediately and told them I do not have any Wells Fargo card or ever had any banking relationship with Wells Fargo. It's a fraudulent account and I want them to freeze it and kindly investigate it. Upon requesting to freeze and give a letter in writing about the action fraud department employee started questioning me and asked me unrelated financial questions and my social security number. I told them that I am not comfortable giving you that information knowing that I am a victim of identity fraud and the next thing they are asking me is my social is a cruel thing. They told me they can not do anything in this regard and closed the case. I told them wells Fargo opened a fraudulent account using my name and address and now that person is trying to change address with USPS to divert my mails. I reached out to USPS and mentioned to them I am not changing any address nor have I made any request. I seek a resolution and in meantime, during my online search, I found that this is a modus operandi of wells Fargo to increase customers.

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 2021-05-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
For XXXX XXXX Citibank has waged a war against me trying to do some coercive information phising. Two accounts already closed, now the third under attack and seized after they promised me they wouldn't. 

In XXXX of 2017 they abruptly closed my credit card account of 37 years without warning, without explanation, without cause. This resulted in several complaints through the Consumer Finance Protection Bureau. Among the ongoing problems were an overpaid of nearly {$500.00} I had made and Citibank insisted they would not refund it. After months of refusing to tell me anything about closing it but continuing to insist on information phishing on nonCitibank accounts they suddenly made a false accusation of me doing " Fraudulent '' contesting of charges even though I had not contested a charge. ( Explain that one. ) Whether it was XXXX XXXX  who secured the refund or what I don't know, they did eventually issue the refund. But continued to harass me over the closed credit card account. This includes harassing phone calls and letters. 

Then they attacked a checking account attached to the account I am currently troubled over. Again it was about information phishing. Resulting in my closing the account. I asked specifically if I needed to close this remaining account because it's not safe from them, but they promised they'd cause no further trouble. I foolishly left the account open, because it's a bother to switch banks. 

Now they have blocked my access to this last account and stolen my money, using blackmail for their coercive information phishing as their excuse. 

Citibank wasn't always such a crooked company. I had my student loans through them, leading to my credit card. When they opened the XXXX branch I went there. Now they have chosen to be a criminal organization and I will need to shake their dust from my feet.

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 2023-10-10
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
My name is XXXX XXXX and Freedom Mortgage was my mortgage lender. They had pre-approved me to refinance into a XXXX year loan from my XXXX  year current loan. After being pre-approved at a XXXX XXXX rate they fired my lender or he quit, they didn't tell me this ... and along the approval process they purposely delayed the process and lied and told me it was the fault of the other parties such as the XXXX company yet the representative at the XXXX company said she never received info from Freedom even though Freedom said they had sent it to them. I was locked in at XXXX XXXX yet Freedom noticed rates going up so they purposely slowed down the process then didn't approve me XXXX XXXX later, all the while I thought I was approved. I was also pre-approved by my credit union, so in retrospect I should've just gone with them yet since I was already in a mortgage with Freedom I thought the refinance process would go much smoother with them. They also sold my loan during the refinance process and didn't even tell me, which made it more difficult to roll me into the XXXX year refinance plan. I complained over and over to them and expedited it up the chain of command to the CEO yet they never made this right and now I'm still stuck in a crummy XXXX year mortgage loan for no reason.

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