BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX 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 2019-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One sent me a letter informing me they had closed my account as of XX/XX/2019 due to inactivity. They gave me no forewarning, they did not contact me before hand, and as a result they hurt my credit score at a time I am making future plans for marriage, new vehicles, and home ownership. Electing not to swipe my card at the store should not validate the arbitrary closing of an account when I have held that account open for over 15 years as part of a comprehensive plan to maintain a stellar credit score. 

I attempted to call customer service twice, and asked to be escalated to a supervisor twice in order to have the closed account reversed. Both times they hung up on me before I was able to make my case and request that my account stay open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Last XXXX, I was switched to Experian 's XXXX XXXX   after having been on XXXX XXXX XXXX XXXX XXXX due to the data breach. I just found out that XXXX has a peculiar policy where they only update one 's credit data if the user calls in and specifically requests a manual update. This is in contrast to XXXX XXXX and other services I have used where the online data displayed is continuously updated in the background. The Experian XXXX rep I spoke with said that this is just the way the service works. It seems strange enough to me that I thought I would file this complaint to see if their position is correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: M&T BANK CORPORATION
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Fees or costs during the application process

Complaint:
Me, my son XXXX and daughter in XXXX XXXX XXXX just purchased a property that was serviced by M & T bank, that had an assumable FHA mortgage attached to it. The loan number is and was XXXX. 

The facts surrounding this process were unremarkable, up until just before closing. M & T approved our assumption, and XXXX of the lender 's conditions were that the buyer ( XXXX ) were to pay the XXXX payment for a closing date of of XX/XX/2023. 

It is well settled and understood that mortgage payments are made in arrears, which means that M & T 's requirement that WE pay XXXX 's payment ( which is XXXX 's interest ) is wrong on three fronts : XXXX ) It interfered and changed the contractual agreement between the buyer and seller, which did not provide for the buyer to pay the seller 's interest payment for the month, which in tort is an interference in contractual relations. 
XXXX ) Violated well established nationwide practice by all closing agents, mortgage companies, and industry professionals, 3 ) Violated FHA rules as it relates to assumptions. According to the XXXX, FHA forbids a mortgage company to charge the buyer on an assumption any more than {$900.00}. M & T 's requirement as a condition of closing that we pay the XXXX XXXX payment violates this rule in addition to the above mentioned transgressions. 

It is therefore requested that M & T either refund us the XXXX, or apply it as a credit for our XX/XX/2023 mortgage payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Rent Recovery Solutions
State: NC
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: Was not notified of investigation status or results

Complaint:
I have disputed these accounts several time with the credit bureaus XXXX XXXX but have not received any results or response for my dispute. These accounts are reporting inaccurately & incorrectly in my credit report and should be investigated. I demand that they respond to my dispute & request for reinvestigation as they are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, 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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 XXXXXXXX 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 US 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. 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.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/18 I sent a {$500.00} transfer to someone using XXXX through my Wells Fargo account. I agreed to buy concert tickets from a XXXX ad and the seller did not transfer tickets to my account as promised. I have the listing and all documentation saved for this transaction. He sent me the confirmation as " proof '' of the tickets. I had suggested using XXXX to do the transaction but the seller said he preferred using XXXX as this was done directly from bank account to account and there would be no issues. After money was transferred he explained to me that he had transferred the tickets electronically to my XXXX account. I did not receive anything and the seller stopped responding and blocked me. I called Wells Fargo within minutes of making the transfer. The Wells Fargo website says that transfers could be cancelled as long as they were still in the pending status. My account said the transfer was still pending so I talked to a representative but she said it was too late to cancel the transaction. She told me that there was really nothing she could do at that point. I asked her what she suggested I do as I believed this to be fraud and she had no answer for me. I have an email address, phone number and name for the seller but have not received any help in this matter. The seller answered a message from my cousin just minutes later saying the tickets were still available. I would just like help from the bank in this situation to get my money back from this thief as they clearly have this persons personal information. I was obviously not the only victim.

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 2023-09-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

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 inructions 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 2023-06-23
Company: EQUIFAX, INC.
State: MA
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 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 has violated my rights. Or 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 2019-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Applied for a vehicle loan in XX/XX/2018 and authorized one credit pull for approval. The auto dealership finance guy proceeded to pull multiple reports upon his leisure and not even trying to secure a loan before I left with vehicle. ( Which he lied about ) After much run around and having to secure my own loan through my credit union, the finance person proceeded to pull my report again. I reported him to his superior and had to use another finance guy to complete and update my paperwork. The original fiance person targeted and intentionally kept pulling my credit when I only authorized one pull. This resulted in my credit suffering. Id like to remove the excess inquiries.

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 2023-05-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : US DEPT ED XXXX Balance Owed : {$480.00} US DEPT ED XXXX Balance Owed : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27
Company: Carter-Young, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The above company has put a debt on my credit report that has not been validated. The said bill was billed to me after I moved out the residence all bills proper to me moving out were paid and nothing was owed the company called me weeks after my departure from the residence and said that I owe the energy bill for the residence even if I no longer was living in there residence during the billing cycle. The residence is trying to have me pay for energy that I or my family did not use because we did not occupy the unit during the billing cycle. I asked to see a bill and the apartment manager could not produce one therefore these charges are not legitimate or legal charges until there can be a legitimate bill produced this must be removed off of my credit report or I will seek legal action again both parties for falsification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
We opened and funded our Citi Accelerate Savings account on XX/XX/XXXX. With this account, we were promised a {$450.00} promo if we met certain criteria. We met with all criteria but Citi is refusing to honor the promo credit. We have inquired by telephone ( numerous times ) and formal letter dated XX/XX/XXXX. Citi responded with letters dated XX/XX/XXXX and XX/XX/XXXX, by saying our " money Market account '' was not eligible for the promo. We don't have a money market account, we have a " Citi Accelerate Savings '' account. We are seeking your assistance in rectifying this matter.

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 2023-09-20
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
To whom it may concern Hi my name is XXXX XXXX and I am writing this message to you because I need your help. I am XXXX XXXX XXXX student in XXXX, XXXX. I need to send my money to my XXXX XXXX  account with XXXX XXXX. But after 10 days they refunded my money and when I asked the reason from the XXXX XXXX agent, he told me " your name is same as the name of a person who is in XXXX list due to sanctions ''. What should I do now? I am just a XXXX XXXX XXXX student and it is urgent for me to send my money to bank account because of my security.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am the author of this complaint and I recently checked my credit report and saw some fraudulent, inaccurate, and incomplete accounts that are being reported. Please conduct a reasonable investigation, state method of verification and DELETE all the accounts mentioned below. My driver 's license, social security card, and an identity theft report has been attached to this complaint 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 2018-08-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I regularly check my credit report via XXXX XXXX, i continue to see old credit accounts that have been paid off but still show on my credit reports and continues damage a once good to better CREDIT SCORE AND IS TROBLING TO CONTINNUALLY GET TURNED DOWN FOR A LINE OF CREDIT OR LOAN TO PAY OFF MY CREDIT DEBT I AM RUNNING OUT OF OPPORTUNITIES TO ELIMNATE THIS CAN YOU HELP.

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 2023-07-15
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. 


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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: Rock Creek Capital, LLC
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To complaint XXXX, RPM General counsel XXXX XXXX wrote `` Upon receipt of this complaint, RPM contact Rock Creek Capital , LLC, the current owner of the debt. Rock Creek advised a credit in the amount of {$3700.00} had been credited to the account. There remains a balance of {$120.00}. XXXX XXXX may contact RPM to resolve the remaining balance. XXXX XXXX General Counsel '' The response does not provide any context or evidence about the remaining debt, which is still unsubstantiated and does not match anything listed on any of the paperwork from the company that has ever been provided to me, nor is there any offer to send a receipt or explanation of the remaining balance. Clearly I will have to make another request to the attorney general 's office, another cfpb complaint and another certified mail. 

They have not provided any context or evidence or receipt or explanation of why there would be a remaining balance at all, and the remaining balance does not match any other provided figure in any of the documentation that the company has ever provided, not that there has ever been any communication about any debt ever either by Rock Creek capital or by XXXX. This is clearly a farce. 

They need to absolve the debt entirely, immediately. 

Please note that the address provided by RPM clearly has a typo in the name of the city, they listed XXXX XXXX, the correct name of the city is XXXX XXXX Please note that this address is also simply a virtual or fake because it is also listed for https : //www.bellapsych.com/contact-psychiatrist-bella-living.html in XXXX XXXX Also note that in the documentation provided by rpm, the name of the creditor is either erroneous or has a typo, as it is listed as " XXXX Rock Creek Capital, '', which is not even the name of the creditor that they claim to have the debt in, which does not even have an actual office and the office is actually occupied by a completely different and unrelated company. 

Again, this is so obviously a farce.

Company response to consumer: Closed with explanation