BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2023-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I always paid and pay on time and Im on auto payment set up with all of my credit cards and capital one all of sudden reduced my maximum allowances from {$5000.00} to {$3000.00} without any notifications and reported to transition with no valid reasons. I called them numerous times to explain why such a change even though I was always pay on time and on auto set up so I can not be late on any payments what so ever. They never replied back and instead reported to credit bureau XXXX XXXX with NO VALID REASONS AND I need this report to be removed immediately and my credit got all messed up due to this nonsense act by capital one and very shady act. Must be reported and must be removed ASAP immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Capital One posted inquires on three occasions I don't recall or recognize. I did not authorized any of those inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
New scheme by Well Fargo - If you move to another bank, and you want to set up an automatic payment on your Wells Fargo credit card account better check and double check that Well has recorded your new routing number and account number from which the payment is to be made. Make URE that WELLS FARGO RECORDS IT. I 've been fighting with them since XXXX last year about ''late fees '' because my ''payment was not received ''. I sent in XXXX account notifications next, same deal!! I have had a very good credit rating until this thing with Wells Fargo, so when I 'm told by my realtor that it 's dropped down to XXXX, you better believe I 'm irate. I am getting all my statements from both banks and sending them to XXXX and XXXX who have been investigating what Wells Fargo has been doing to cheat more money out of their customers. You who will be reading this on XXXX, if this trick has been used on you, I 'll send the link to contact these investigators with your stories. -

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am writing to express my deep concern and frustration regarding the persistent inaccuracies on my credit report and the numerous unsuccessful attempts to rectify this issue. I urgently request your immediate intervention to expedite the removal of these inaccurate items to prevent further damage to my credit history.

Despite submitting disputes, the inaccurate items on my credit report persist, causing significant stress and negatively impacting my creditworthiness.

I have attached supporting documentation, including dispute submissions, evidence of inaccuracies, and any other relevant information to substantiate my claim and facilitate a swift resolution.

Understanding the critical role of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I urgently request your intervention to expedite the removal of these inaccurate items.

Given the numerous unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the removal process, and take immediate action to resolve these matters. I expect regular updates on the progress of the removal process.

I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies, and necessary steps are taken to ensure the swift removal of these inaccurate items from my credit report.

Timely resolution is crucial, as these inaccuracies directly affect my ability to make informed financial decisions. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX, XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$8100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2023 XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XX/XX/2023 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 2023-09-25
Company: Fairway Capital Recovery, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call with a voicemail on Friday, XX/XX/XXXX at 8:45 AM from the phone number XXXX stating that it was an important message from Fairway Capital from a debt collector and to please call XXXX. I received another call on Monday, XX/XX/XXXX at 8:10 AM from XXXX stating they were a debt collector reaching out about an unpaid balance from the XXXX XXXX XXXX of {$400.00}. I told them that this was unlikely as I was just at the clinic and I did not have any unpaid balances. I let them know I would verify with the clinic. I called the XXXX XXXX XXXX at 8:11 AM and let them know what happened. They verified I did not have any debts or unpaid balances on my account and would make a note that I was contacted about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I have reached out to all 3 Credit Bureaus several times asking them to look into and verify the inaccurate information on my credit report. Each time I have been told that everything is accurate and verified. I did a thorough research myself and found improper inaccuracies on the credit report after they stated they did their research. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX  Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # 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.

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 2022-01-18
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My card was stolen on XXXX XXXX weekend, from my vehicle. Approx. XX/XX/XXXX. I did not realize my card was missing until I logged onto the American Express Serve card app. There were 14 charges, 11 at 5 different gas stations. XX/XX/XXXX, I immediately called American Express Serve to notify them. They filed a dispute. 
I followed up with a police report & submitted my supporting paperwork. I called customer service to inform them I needed my full card number so the police could execute a warrant for the businesses that my card was used at, I was told they have no access to my full card number. I was told I would be contacted within 10 business day with a decision. Today, I was sent an email saying they were denying my dispute. I only get my payroll check direct deposited on this card. I then take my money off the card. I do not use this card to make frequent purchases. American Express Serve allowed a their yo use my card multiple times at gas stations and other locations. The 11 gas station charges were suspicious and should not have even been allowed to be charged. I am very unhappy with this prepaid company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-24
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I sent a registered security to Southeast Toyota and its indenture trustee, XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. I offered both of them 14 business days to answer. I called both parties on XX/XX/XXXX, and Toyota had no idea what I was talking about. I called XXXX XXXX several times ( for 5 days straight ) and each time I got a message. I then resent all of the documentation ( it was a pretty large packet )! I repeated the method and nothing happened. Toyota repossessed my vehicle on XX/XX/2023. Toyota and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have not returned my documents. This is a particular kind of securities fraud. 
I still have copies of the registered securities and will resend them if necessary. I don't want anybody to have access to my personal information through this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is not deleting these accounts that are clearly violating my rights. 
XX/XX/XXXXThese are a violation of 15 U.S. code 1681I ( 5 ) removal of Inaccurate/Invalidated credit information. Please remove immediately.

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 2020-11-05
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Greetings Sir/ Madam I am trying to repair my house, which caught on fire due to lighting in XXXX XX/XX/2020. I received a check in XXXX in which I knew it would not cover the damages. But the Insurance sent out the minimum and the mortgage company and I signed it. However, I got a Public Adjuster and got a litter more money. And XXXX XXXX at Quicken loan been given me a hard time since. She said I didn't tell her I was receiving more money. I didn't know. And I still don't know if I am receiving more money. However, when I sent the 2nd check for the loan mortgage to sign it took a month for her sign it. And she didn't even send enough to pay the Public Adjuster and the the new contractors I hired. Because the first check I used to fix the roof, floors, front and back door. However, I sent them the contract license they kept harasing about. Because I sent a permit at first.. I live in HOA and you can not do any kind of work without a permit. A permit have the contract license on it.. I didn't understand what she was talking about or about the process. Nevertheless, when I started preparing for a lawyer. And I emailed the company, then she reached out and said she explained everything to me. And I will need an inspection. I did an virtual inspection a week ago. And sent all the contract license. And now they asking for another one. And they told me they will give a call in about 4 days. And that past. My house is not livable. I have not lived in my house since XXXX. My contractor is waiting for the permit for drywall to be put up. It should be here any day now, but I won't have all the funds, including the funds to install the AC, appliances and some Plumbing, Etc. My Insurance company already threaten me that they will not give me an extension on my living situation again. And quicken loan know this. And Quicken Loan mortgage company continue try to strew and harass me.. And they just just sent a second letter saying we paid your insurance which had triple. But they can't send my money to fix my house. In which I am not living in at the moment. And my mortgage continues to go up at year. And the last settlement check was for STORM DAMAGE, a previous settlement I was never paid. Quicken Loan is a fraud just like the my Insurance Company. However, I would like my financial paperwork investigated too. Because my Escrow account should not be negative every year. I am a XXXX  XXXX  XXXX  veteran I should not be paying taxes. 

PS : I also Have the emails I have to scan them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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 2020-04-10
Company: I.C. System, Inc.
State: TX
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:
A collection item keeps appearing on my credit report. I dispute and receive a letter that it will be removed then it is placed back on my report by a different company and re-aged as a new debt. I have contacted the collection agency and was told that the account will never go away and that every time I dispute it with them, they will re-age the account. The amount is for {$450.00}. The account is showing as a new debt on my credit report as of XX/XX/XXXX. Per the collection agency, the debt is from XXXX. 

This is a FCRA violation : Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

An account from XXXX did not just become delinquent in XXXX after being passed from several collection agencies.

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 2019-11-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They are continuously placing my paychecks on hold with no reason or explanation. It has created a hardship for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Cedars Business Services, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I purchased with a XXXX debt a table with XXXX online, delivery date of XX/XX/XXXX. Received an email stating the delivery was postponed until XXXX. Next was a new date of XXXX and I decided to cancel which I did by speaking to Ms. XXXX XXXX and Ms. XXXX XXXX. Because of the delay, I requested XXXX to refund my money because of the timing and XXXX several delays. They honored my request and indicated that to XXXX XXXX and the matter was resolved. Several months later, with no notification, Cedar Financial placed a derogatory debt collection on my credit report on XX/XX/XXXX. I called XXXX According dept and they indicated that its impossible because they only deal with their credit cards. I dont have an XXXX or XXXX Card. I used my XXXX debt. You cant order online without a card. In addition, the product was never delivered and never left the companys docks. My new delivery date was in XX/XX/XXXX. I ended by a table off XXXX because the holidays were approaching. I could not host my family in my new house for XXXX. I was clearly upset over the delays. Now, Im extremely upset over the false reporting on my credit report. I have emailed letters indicating such facts. XXXX and I seldom spoke over the phone, most through emails. Order # XXXX was not delivered at all. Thank you. 
XXXX XXXX PS : I can send the emails to another email but Ill have to take snapshots of the emails. Im not tech wise!

Company response to consumer: Closed with explanation