BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I sent a Notarized Affidavit Billing error notice alone with the XXXX XXXX XXXX remittance coupon which is also a legal payment of tender under XXXX to Regional Acceptance Corporation requesting records under 12 U.S. Code 5562 ( c ) ( 10 ), to be made under a sworn certificate by a person. And that they weren't allowed to report anything to the credit reporting agencies without my written permission. Regional Acceptance Corporation received an EFT Payment on XX/XX/2022 and it was processed and I never received an Notice that payment was returned. Then Regional Acceptance Corporation sent a bill statement stating that I owed a balance so I sent in a payment of tender setoff and adjustment only on the private side and Regional Acceptance Corporation accepted it in accordance with HJR 192, UCC 3.603, UCC 3-419 and never returned to so they are in dishonor and any and/all claims or security interest has been voided. In response to my Notarized affidavit of billing error Regional Acceptance Corporation sent in a letter and not notarized affidavit ( sworn certificate ) as required under the law to answer any affidavit. I was not provided full accounting records as under the GAAP prescribed under 12 U.S. Code 1831n ( 2 ) ( A ). I also sent in a Notarized Affidavit of Rescission in which Regional Acceptance Corporation has refused to answer or acknowledge. I also sent in a Notarized Affidavit of Rescission in which Regional Acceptance Corporation has refused to answer or acknowledge. Regional Acceptance Corporation was notified that any variation of XXXX XXXX XXXX XXXX was copyrighted and that any use other than to respond to my Notarized Affidavits by a living person Notarized in Affidavits would be considered unauthorized and subjected to fines and fees as outlined in my UCC Schedule fee of my Copyrighted property as the Secured Party.

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 2023-11-22
Company: EQUIFAX, INC.
State: AR
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 hope this letter finds you well. I am writing to express my continued frustration and dissatisfaction with the unresolved issue concerning the late open accounts entry on my credit report, despite multiple attempts to correct this discrepancy. 

As detailed in my initial complaint, I reported an inaccuracy in my credit report concerning the late opening of an accounts. Despite my efforts and your acknowledgment of the issue, the problem persists, adversely affecting my creditworthiness. 

I submitted a follow-up dispute, providing additional documentation and clarification to support my claim. Regrettably, subsequent to this second attempt, the late open account remains on my credit report, and I have yet to receive a satisfactory resolution to this matter. 

I understand that the credit reporting process involves careful investigation, and I appreciate the importance of accuracy in credit reporting. However, the prolonged presence of this erroneous information is causing undue stress and negatively impacting my financial standing. 

I urge you to expedite the resolution of this matter by conducting a thorough and timely investigation into the late open accounts entry on my credit report. It is my expectation that all necessary measures will be taken to rectify this situation promptly, ensuring the accurate representation of my credit history. 

I request your immediate attention to this matter and insist on receiving clear communication regarding the steps being taken to address this issue. As a responsible consumer, I have consistently provided the required information to facilitate a comprehensive investigation, and I expect the same diligence from 3 Credit Bureaus. 

Please keep me informed of the progress made in this investigation and provide a specific timeline for the removal of the late open accounts from my credit report. I believe that prompt action on your part will help restore the accuracy of my credit information and prevent any further negative impact on my financial well-being. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$13000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, Section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report!

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 2021-09-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXXBalance {$0.00} XXXX  XXXXBalance {$0.00} XXXX XXXX  XXXXBalance {$130.00} XXXX  XXXX  ( Original Creditor : XXXX ) XXXXBalance {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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: Credit inquiries on your report that you don't recognize

Complaint:
social security number being used to establish accounts additional addresses have on my credit report that i have no knowledge of i want all this information removed police report made ftc report made contacted creditors as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: Carvana Group, LLC
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a vehicle on carvana XX/XX/XXXX and agreed to pay a {$1400.00} delivery fee of vehicle. The money was in my bank account at the time I agreed. Literally minutes after placing the order I cancelled it, due to another direct deposit due for my account I learned would not be coming, so I didn't want to make my self broke and cancelled the order within moments of placing the order. 5 days later, they took the XXXX delivery fee out of my bank account. Since the time I cancelled the order, I spent some money, so not only did carvana take money out of my bank account 5 days after I cancelled the order, they overdrafted my account and left me with a negative XXXX. They would do nothing to help me except tell me they would return the money in 10 long days and nor pat the over draft fees they caused by withdrawing the money after the contract was XXXX are leaving me without any money for 10 days and now I have to pay {$600.00} in overdraft fees because of them taking the money anyway after I said don't. I have no money for 10 days. What am I going to do about food, gas, other bills?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX was informed of a pair of airpods that were purchased from XXXX for {$310.00}. The cost of the merchandise is {$240.00}. The merchandise was also defective. 
The seller when informed of the price and defect within warranty refused to take the item back. Upon informing XXXX of the vendor, they said it was an XXXX corporate issue. XXXX has not responded. XXXX was only able to make good a partial replacement. The item had to be taken back by XXXX. Upon informing XXXX, there was no response. 

PNC Bank from where I used my debit card to pay the amount, refuses to dispute the transaction providing vague statements. See attached. 

Per the law, if merchandise is sold outside of the price advertised and is defective, the consumer has a right to fair procedural protections in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Accelerated Financial Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On or about XX/XX/2021, debt was disputed and investigated by XXXX and removed from credit report. However, it has not been removed from XXXX credit report as agreed. 
It's was found to be fraudulent in nature and uncollectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I don't recognize this inquiries, i never applied for this. I believe that i was victim of Identity Theft, somebody used my personal information and applied for this companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
About two weeks ago I was traveling and had to make a call due to continuing web access problems to get my account balance from my bank Wells Fargo. After getting my balance the Customer Service Rep. informed me that if I did not " enroll '' in some Bank " travel program '' I " may '' have my cards declined or holds put on them. So they want me to inform them if I travel when and where I will be or I " may '' have problems out of state. I would think they can put what ever restrictions they want on my credit card as that is their money. But how can they threaten to withhold my personal funds by declining my ATM because I have left my home state? This is to me extortion to threaten to deny my access to my own money if I fail to participate in the " please burglarize these empty homes list ''. They can not keep my cards safe as I have been hacked 2 times in 2 years why should I trust them with when I will not be home?. There own Customer Service people showed their honesty when they opened millions of bogus customer accounts. And I should trust these same people to keep it a secret that I am not home, really? It is none of Wells Fargo 's business when and where I travel. Are the selling this info? I feel sure there are laws preventing a bank for using extortion tactics to deny assess to your own money. I have traveled to the 48 contiguous states and 8 countries and never reported my whereabouts to my bank and will not in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Marlette Funding, LLC
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: Card was charged for something you did not purchase with the card

Complaint:
I am hearing impaired and I have contacted Best Egg multiple times regrading unauthorized transactions on my credit card. I have faxed them multiple times as I can not call them because of being hearing impaired. I have received no emails or letters in the mail just countless phone calls everyday to collect because the account is now past due and has occurred late fee 's. They will report late payments on my perfect credit reports all for an error they will not acknowledge via the letters I faxed to them to dispute this balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Money from my stepson account XXXX XXXX XXXX was removed and alledgely transferred to my account but no transfer was ever received. 
The money that was originally sent to XXXX XXXX in the amount {$3000.00}, XXXX XXXX {$3000.00} and XXXX XXXX XXXX my step son {$4500.00} member to member transfers were authorized XX/XX/XXXX. After bank account was unfrozen we had cashiers check to close checking account. We didnt want any big money inside Navy Federal . The only readon we agreed to have monies from their accounts to be sent back to my account so I can send back to them. I dont understand why those funds needed to XXXX sent back to my account. We're currently under litigation concerning the auto loan that was lost due to Navy Federal freezing my bank account. None of those funds should be used for any debt we're currently in litigation. We paid XXXX XXXX his XXXX in person so the new member to member transfers are to XXXX XXXX in the amount of {$3000.00} and to my step son {$7500.00}. Those funds no longer belong to me and we were forced to receive them when I didnt understand why they just didnt unfreeze funds and live them with the recipients. I'm starting believe because I'm in prison my fudiciary Navy Federal just dont care about my requests. I been fighting since XX/XX/XXXX. Please help me. These complaints will help you understand plus this long recording. 
CFPB previous complaints XXXX XXXX XXXX audio from XX/XX/XXXX XXXX XXXX XXXX attached is the proof of the money being taken out of XXXX XXXX account & XXXX XXXX XXXX XXXX but no alerts were sent to my email stating the money was received. XXXX money was taken XX/XX/XXXX but where did it go? XXXX XXXX was taken XX/XX/XXXX but whete did it go? I emailed a request to have funds transferred but not sure they were actually sent to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: CARS Acquisition, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XX/XX/2018, I Bought a car at XXXX XXXX XXXX XXXX in XXXX, VA. I Agreed on XXXX as the price and put down {$1500.00} cash. I was presented with paperwork that essentially nullified the {$1500.00} in Tax tag title and dealer fees, with the balance remaining at {$3500.00} @ 14 % for 48 mos. I never received tags, despite getting a DC registration as instructed. 
More than a month later, I received a payment book for a company in my general area, called XXXX XXXX XXXX. I paid them once at their PO address and once in a drop box at their office. The total of these payments was over {$350.00}. 
After two months, I received notification I was to pay a company called XXXX XXXX, via a barcode scan and cash at XXXX, I began paying them in XXXX, and to date have paid them over {$770.00}, all the while receiving harassing text messages and refusals to present a statement each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In care of XXXX XXXX Dear sir : this is getting to be unacceptable. I have made complaints to this department that don't go anywhere My complaints are bused in the law, yet they continue to be ignored. Once again I will be quoting law. 

Improper use of my Credit Report Equifax is obligated by the FRCA to report accurate accounting, as the consumer I have advise that all the inquires reported was fraud. Said company 4 days according to law to remove such items FTC fraud report was file on behalf of myself the consumer. I the consumer is now requesting Equifax to provide the documentation used to determine inquiries was indeed authorized by myself the consumer. Equifax has 15 days to provide me with the name of the person spoken to. documentation used, signed application with consumer wet ink signature. The consumer being myself is not asking for an e-Oscar report. If Equifax does not provide me with the documentation to show these inquiries were authorized by me the consumer, it must be removed asap. Said company is liable under SEC to follow certain rules. Equifax Commision file # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York 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 New York XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX I will be filing form 211 treasury omb from to audit consumer or my account. Equifax is securitizing consumers data yet refuses to provide consumer a copy of their Consumer File Not Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Why do you keep on closing my complaints saying that you already processed my earlier complaints about my problem? I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am asking an assistance to REMOVE these fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-12-14
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made two mobile deposits to my checking account with Chase Bank from third party checks. I have never had any issues with Chase clearing third party checks on my account. They have done so several times with no apparent issue. In fact, they cleared one check from a third party of the same name, the same day, and then placed a hold on the second check deposited the same day and from the same third party. They then closed my checking account and failed to send any info regarding the remaining balance on the account. They have told me on the phone that the funds are available, but will not release the funds. Im having a hard time understanding how they could release funds for one check from a third party ... but not the other. Their policy or procedures regarding third party checks are hard to understand and confusing. Again, I had no reason to believe that there would be any problem depositing a third party check. Based on previous experience, they have never treated a deposit this way before. If I had any reason to think that depositing a third party check would result in the closure of my account and hold on the funds deposited, I would have never attempted to deposit the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
remove inquire not authorized XXXX XXXX XX/XX/2023

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 2020-02-22
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:
XXXX XXXX reported that this account does not belong to me and the credit bureau has not deleted after been notified from XXXX that this account reporting does not belomg to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Report Act 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment in account under an open-end consumer credit plan as late for any reason. 
Since XX/XX/2016 this account has been paid off, and until now, late payments reported on this account restricted me to get approval for credit, and this is illegal to maintain this account on my credit report.

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