BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: TX
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:
My mother works for the Federal Government and she noticed a lot of inquiries so we pulled my report and I have 19 inquiries that I didn't authorize. She received a letter at the beginning of the year saying that our data had been breached. She has insurance on me and my sister, so our information was also part of that breech. I have not authorized anyone to run my credit. 

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 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 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a Quick Silver Capital One credit card that was opened after being marketed to and told that this card is international friendly. I have been having issues completing purchases online as their system does not successfully send me the XXXX codes, which were previously XXXX after a prior complaint. Other reputable systems allow for a phone call to receive, however their reps have been rude and dismissive, most recently on XX/XX/2023, when i called to let them know about the reoccurence of the issue ( which seems to occur after paying my bill in full or over the amount ) After informing an agent in the fraud protection dept that i was overseas and as such the XXXX was a bit much given that I could not be expected to have access to my local number at all times, he transferred me to an unrelated dept. I also informed every agent i spoke to of how this issue was previously resolved, they refused to assist. I finally spoke with a supervisor in Fraud protection who also refused to assist.

I am alone internationally and had it not been for some local currency cushion which is not meant to be spent in this way, i would have been unable to eat. 
Please note also, that there are only XXXX types of charges on this card on an ongoing basis. Food delivery and XXXX. There was no reason to flag my account. 
Logs of my calls can be found in their system on XX/XX/XXXX, XXXX and XX/XX/2023. 
The first 2 times my issue was resolved and my transactions required no XXXX untill i over paid my bill on the XXXX of XXXX, resuming the issue. 
I smell an analyst.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: SC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX account # XXXX, has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-02-03
Company: WELLS FARGO & COMPANY
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I banked with Wells Fargo for some years and was overcharged monthly on my checking account overdraft fees, ATM fees, other miscellaneous charges for years.

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 2023-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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: Overcharged for something you did purchase with the card

Complaint:
Company treated " XXXX  '' as a " CASH ADVANCE '' & did not " XXXX XXXX '' Company forced an XXXX after these transactions occurring in more than {$50.00} in fees Company has ignored previous CFPB inquiries & denied Credit Line Increase or any Credit Card based solely on retaliation & not " due to market fluctuation ''

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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-03-22
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My 2018 tax return was taken to pay off this debt I had for Transworld Systems Inc for my XXXX XXXX Credit Card. By the statement I received on XX/XX/XXXX it stated that my balance before payment was {$6200.00}. A payment of {$4600.00} was made onXX/XX/XXXX. This  credit collection agency only applied {$1400.00} to the balance. If they applied the whole amount that was paid on this account the balance would be at {$1600.00}. I have reached out to this company to provide me a itemized bill but they have never sent me one. They have taken the payment and not honestly applied the right amount to the balance on my account. The have refused to provide me any itemize statement of where the remaining money I paid was applied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Duvera Billing Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX does not fully disclose the predatory features of their loans. 
They were supposed to give me 90 days of interest free financing. I had automatic payments set up with my bank account. They are telling me that I " missed a payment '' during the 90 day period which made me " ineligible '' for the interest free financing. 

The rate they are charging me ( 133 % ) is WAY over the maximum Rate Cap in California where I reside. There is apparently a " loophole '' with XXXX when using " XXXX XXXX ''. However - my disclosures clearly state that the Loan is funded and serviced through XXXX, not XXXX. This interest rate is insanely predatory someone needs to hold XXXX XXXX accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I was recently in a forebearance program with my mortgage servicer ( SunWest Mortgage Co. ) I am fully caught up with all payments and attempting to re-enroll in their in-house auto payment program. Their loan portal shows me a message saying that I need to contact their customer service team to re-enroll in auto payments since I was enrolled in their forebearance program. This wouldn't be a problem but I can not get any customer service support. When I call I wait on hold for an hour then I am directed to an automated prompt telling me to leave a voicemail and they'll call me back. The call back never comes. I have also attempted to resolve this over their website 's online chat customer service and their own agents then tell me that i'll get a call back within 24 hours ... that never comes either. I find it odd and disconcerting because for a large company that has so many regional offices nationwide and who was until recently, so easy to contact and speak to an agent, is now impossible to communicate with. This seems highly suspicious to me in the way smoke makes me suspicious of fire.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
Im accordance with the fair credit reporting act XXXX account numbers XXXX, XXXX, XXXX, XXXX violated my rights. 15 U.S.C 1681 602 A, states I have the RIGHT to privacy.. 15 U.S.C 1681 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 explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-08-28
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These student loans were disputed and removed from my credit report years ago. They were placed on my credit report without any type of notice. All my credit cards have been closed because my credit is score dropped because of a student loan being charged off. I need to see the contract bearing signatures of the alleged debt. 
Fair credit act state that inaccurate information on a consumers report must be removed. Please delete ASAP. 
The student loans by XXXX XXXX were removed because of federal issues and they were charging more money to students and collecting money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XXXX at XXXXXXXX XXXX., an unknown person, " XXXX, '' called me and left me a voicemail ( which I have ) while I was at work, stating they were leaving documents from the county in my mailbox. I did not authorize this person to open/tamper with my mailbox. Upon getting home, I retrieved the paperwork from my mailbox, which also contained legally delivered mail, and saw it was a Summons for court without a file number. 

I do not recognize the plaintiff ( Portfolio Recovery Associates , LLC ) as any creditor I've entered an agreement with or have ever been in contact with, spoken to, etc. 
The paperwork is dated XXXX. According to public records, the lawsuit was filed with the county on XXXX. 

The paperwork left in my mailbox indicates they are the successor-in-interest to a credit card issuer and that I have 30 days to answer. I understand they should send me a debt verification letter within five days, which I have yet to receive despite them filing the lawsuit with the county and opening my mailbox illegally. I was also not granted 30 days to respond. The paperwork is dated XXXX ; it is now XXXX ; again, it was not left in my mailbox until XXXX. 

I understand this company has had a second judgment against them by the CFPB in XXXX of this year : CFPB Orders Repeat Offender Portfolio Recovery Associates to Pay More Than {$24.00} Million for Continued Illegal Debt Collection Practices and Consumer Reporting Violations. 

I also understand that opening/tampering with someone's mailbox without being a mail carrier or having been granted authorization to do so is protected by the 18 U.S. Code 1701 - Obstruction of mails generally. I will look into filing a complaint for this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Account in Reference : XXXX XXXX XXXX Account # XXXX Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent and under The Federal Fair Credit Reporting Act ( FCRA ) this is violation of my rights and under TILA LAW unless this account is removed from my file asap, I am due a violation payment of {$1000.00}, I have disputed this account already, and still has not been removed. I am asking CFPB enforce this violation and fine this company {$1000.00} and remove this account from my file asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: EQUIFAX, INC.
State: FL
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 am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX XXXX XXXX   XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX  XXXX Bankruptcy Chapter XXXX- discharged XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: PNC Bank N.A.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PNC mortgage lost at least 1 payment during the purchase of my mortgage for another servicer. 

I have contacted PNC bank/mortgage at least 3 different times ( XXXX, XXXX, XXXX ) always being told that 3-5 business day is needed to research the account. 

PNC mortgage has sent me physical documentation/payments of the loan, yet they are still researching. Holding my money hostage. Putting my home and bank account in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Direct Recovery Services, LLC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They ( specifically XXXX XXXX ) called and left a nasty voicemail with threatening language about an old debt that I have repeatedly disputed. I have never had a credit card from the original creditor that is listed. XXXX became very aggravated and agressive in the voice mail and even caught himself at one point and pointed out his aggravation. He also mentioned it would " behoove '' me to pay in a threatening tone. Never in the message did XXXX or the automated voice inform me who was calling or who the original creditor of the debt was, but demanded payment on an invalid debt. I have received no paper communication from this company in the mail, else I would have disputed it as I have several times withother companies claiming I owe this debt. Not one of these companies has furnished any proof or an original contract that I owe such debt or have ever had such card. They simply say that I DO owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: FL
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 Bank XXXX XXXX XXXX Apartment XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: AZ
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: Investigation took more than 30 days

Complaint:
This XXXX is trying to collect that is not mine. The company Was not even able to validate the debt. At first, They reported on my credit file I was a victim of an identity thief. 
The credit bureau was able to delete it on my credit report the same item came with a different amount and different account number on my credit report. The credit bureau is taking longer the resolve this issue.

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 2022-04-11
Company: EQUIFAX, INC.
State: FL
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 XXXX  XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation