BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-05-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please adhere to FCRA 15 U.S. Code 1681c2. Please delete within the next 4 days. See the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Glass Mountain Capital, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Over the past year I have received various non stop calls, even after telling them to please stop contacting me via telephone. They keep callinf from different numbers. 
the debt that they are trying to collect has been removed from my CR due to XXXX violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I did not authorize them, and they are causing me a great deal of distress. I urge you to rectify this error as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
Used XXXX to purchase half off restaurant tickets for XXXX XXXX XXXX. Their site was compromised through XXXX and fraud charges in the XXXX were initiated from my checking account repeatedly. Contacted the bank, Navy Federal Credit Union and had the charges removed. Now my checking account has a fraud alert and I will need to change all my automated withdrawals and deposits. This happened to the credit card of three other people I know. Please investigate : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: CA
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XX/XX/2022. I wrote student loan account information CCT NAME : DEPTEDXXXX XXXX # : XXXX This account is open and current on my credit report with all bureaus. I do not dispute that this debt is owed. 

Transunion shows these accounts open and current in one section of my credit report and this same accounts are incorrectly showing as " closed '' on my credit report. I have written numerous times to Transunion asking for the deletion of this information and they have not replied and they are still showing as closed on my credit report as of 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 2023-11-16
Company: ALLY FINANCIAL 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:
Un known inquiries on my report is fraud I never applied or inquired about

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 2023-11-18
Company: CITIBANK, N.A.
State: NJ
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:
CITIBANK NA., BEST B XXXX XXXX XXXX  CITIBANK NA, WAYMC XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries were not authorized

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 2023-05-09
Company: VERITAS FUNDING, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Received misleading mailer, which looks like an official document, but is actually just an advertisement. The envelope specifically states " Response Required ''. The Ad itself states that there are changes and has an year on the top right, which makes it look like it came from the IRS or other government source.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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 XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX Bankruptcy XXXX XXXX  account number XXXX has violated my rights. 

15 U. S. C 1681 section 602 A. States I have 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 instruction. I did not give them written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2022. I filed a claim with Bank Of America prepaid fraud department for the amount of {$28000.00}. I waited about 2 to 3 weeks to hear back but still hadnt heard anything. I then waited a bit more and then decided to make a phone call on XX/XX/XXXX to speak with a supervisor and see about an update about why I havent received any updates in writing sent to me in the mail on the status of the claim, but didnt get any direct answers, also called on XX/XX/XXXX. I was told by 3 different supervisors that they dont know when and if Ill get provisional credit until the claim is done and said they would send out the letter but I still havent got it. Ive been left in the dark about my claim about my funds I never received.

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 2021-02-12
Company: EQUIFAX, INC.
State: OR
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:
To whom it may concern, Under 15 U.S 1681b- Permissible purposes of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Early Warning Services, LLC
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I recently was denied a bank account because of early warning services LLC reporting incorrect and inaccurate banking history on my behalf without proof of misconduct and I certified mailed them 2 separate letters to get my information and history removed from their database from XXXX to XXXX and I have not heard anything back from them and havent received a return letter with a response. So I want my file removed from their system immediately, and it is creating me a financial hardship with me not being able to open a bank account to receive my direct deposit from my employer. Thank you for helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I traded in my used car with Bridgecrest Financial for a brand new car and the loan is still being reported on my credit report as a active loan that has not been paid off.

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 2023-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022 I discharged the following accounts Capital One ( XXXX ), ( XXXX ) I requested that Capital One accept my form of payment and requested that the tender may not be rejected, stopped or refused without discharge of the obligation to the extent of the amount of the tender pursuant to ( XXXX XXXX XXXXXXXX ) ( from XXXX. XXXX, par. XXXX ) Tender of payment & VA XXXX XXXX, said tender and discharge being 100 % as full satisfaction. Capital One has a civil right to refuse the tender of payment ; If tender is refused, there being discharge, Capital One has no permission to contact the XXXX XXXX XXXX. Attempting to coerce payment of a discharged debt is extortion. Subsequent correspondence, bills, invoices and notices, incur mandatory fees. 

XXXX closed my account without any written notice or explanation and continuous send me communications via email to collect on the debt they have sold to a collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear maam/ sir Capital One closed my account for the risk account as they said. 
I got scammed {$39000.00} by XXXX XXXX, who was my friend, in XXXX with two checks for investment, The first check is {$20000.00} on XX/XX/XXXX. The second check is {$19000.00} on XX/XX/XXXX. But XXXX XXXX didnt invest the money for me, I reported it to a government agents, FBI XXXX police office, XXXXXXXX XXXX XXXX..all I could. Finally XXXX XXXX XXXX, in Florida. He helped me in my case and is connecting with the scammer, XXXX XXXX, she lives in XXXX. and I live in XXXX. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX : ( XXXX ) XXXX Direct : ( XXXX ) XXXX XXXX is helping me so hard to get my money back. XXXX XXXX finally wired me {$10000.00} XX/XX/XXXX from her XXXX bank to my Capital one. Then Capital one closed my account.. I checked with Capital One XX/XX/XXXX and let them know I am a victim of a scam case, XXXX XXXX is helping me to get money back and also tell them all the details they want to know.. 

Capital One still determined to close my account and said I am not allowed to open a new account in Capital one anymore.. 

I was What? and asked them the reasons and communicated with them with kindly tone.. They said my account is a risk account and didn't give me any reasons.. I am a victim not a criminal, why did the bank punish me and didnt even tell me the reason.. ( I know they have the right not to need to let the customers know the reason ) They will send me the information and all my balance with a check. it " may be '' not including {$10000.00}. They may/ might keep the {$10000.00} to do some inspection. ( I get this point.. ) But what I dont get is why they ban me from using Capital one? I didnt do anything wrong, I am a victim I am afraid it would affect my credit and my husbands, cause the account is under both of our names And the criminal, XXXX XXXX XXXX still is able to use her XXXX  accountThat is sooo not fair and not right. 

Please help!! Thank you so much!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: HYUNDAI CAPITAL AMERICA
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Iit took me and my x boyfriend to get financing for my used XXXX XXXX through Hyundai motor finance co. My price of the vehicle was supposed to be XXXX payments at XXXX for 12 months then was told by my sales person XXXX XXXX XXXX Hyundai XXXX NV in 12 months no problem we will refinance your loan to make it doable. Well some serious things happened to me as inappropriate actions by my manager at XXXX where I was assistant manager I have a pending Case with XXXXi explained this to the representative and they just said put you on a payment plan XXXX a week well XXXX obviously is fighting my unemployment so I was denied they have a lawyer as well. So I told HYUNDAI REP.i had no help XXXX who is also on this loan Also took our savings and rent and ran away I have been struggling but I had just got a new job and was only there 4 days and contracted XXXX XXXX FOR THE SECOND TIME AND OUT OF WORK SEVENTEEN DAY 'S I EXPLAINED THIS TO HYUNDAI REP.. NOTHING I asked for a refinance I asked for payment deferral I've asked and asked for help before we are at the point we are at I just paid Hyundai XXXX THAT WAS MY RENT so I was two months behind and I thought this payment would put me in up to date status. NO COME TO FIND OUT NOTHING WENT TOWARDS MY PRINCIPAL so looking through my account in almost a year XXXX XXXX IS ALL THEY HAVE PUT TOWARDS MY PRINCIPAL! THIS CAR IS NOW ALMOST XXXX XXXX MORE THAN IT WAS 10 MONTHS AGO PLEASE HELP ME I LIVE IN RURAL NEVADA WHERE IT'S NESSASARY TO HAVE A VEHICLE JUST RECOVERING FROM XXXX XXXX AND THIS STORM XXXX NV I WAS OUT WALKING FREEZING BECAUSE I DON'T WANT THEM TO TAKE MY CAR.

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 2021-02-12
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried working with wells fargo but they continue to lose my documents and continue to delay the review. 

On XX/XX/2021 I submitted the 4506t form that they had asked and for over 3 weeks now continue to ask me for the same document. They are just playing games and I need to save my house. I shouldn't have to resend over 3 times the same copy of the document when their document in take team doesn't properly look at documents. 

They have wasted now almost a month waiting for a single form that they already had.

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 2023-11-04
Company: EQUIFAX, INC.
State: GA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-20
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: Was not notified of investigation status or results

Complaint:
since XX/XX/2020 I have been trying to dispute false inquiries on my Trans Union. Trans Union refuses to start a dispute which is a violation of my rights They never started the dispute They never updated the dispute They never gave me any results from the dispute it is now been two calendar years fighting the same 15 false inquiries Even after multiple CFPB complaints

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 2023-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
On XX/XX/2023 I sent a letter to the company requesting that these inquiries were initiated by me. These unverified inquiries violate the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. These inquiries are showing up on both my XXXX and XXXX reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-01
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted XXXX and XXXX and XXXX. XXXX corrected the error. XXXX transferred my loans of {$42000.00} to XXXX in XXXX of 2022 but XXXX is XXXX showing the account as open. I have asked XXXX and the credit bureaus to fix this issue. 

You can see the report on XXXX 's website : XXXX XXXX XXXX

Company response to consumer: Closed with explanation