BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: OH
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 violation of fair credit reporting act.I have the right to privacy.I did not give permission to report on my credit reports.the following accounts are in violation remove all the following accounts.account # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: OH
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 violation of fair credit reporting act.I have the right to privacy.I did not give permission to report on my credit reports.the following accounts are in violation remove all the following accounts.account # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
After learning of Wells Fargo 's criminal activities ( XXXX  XXXX ), I paid off my WF credit card and quit using it. This was years ago. When they sent me a new card several years ago, I did not activate it. Eventually I got around to closing the account some time in XXXX ... but I don't have anything in writing. I went into the branch and did it. After many months of no contact, they began emailing me again. 

XXXX XXXX, XXXX, Wells Fargo sent me a promo email " You may be eligible for more purchasing power. '' I wrote back and said " I believe I closed my account with you long ago. Please confirm. No answer. 

XXXX XXXX, XXXX, Wells Fargo sent me an email to say my card was expiring soon ( this has to be the one I never activated ). Around XX/XX/XXXX : First I called to say I cancelled this card ; the person I was talking to wanted all kinds of PPI and then it finally occurred to me that this could be a phishing email, and if it was I'd taken the bait. I forwarded the email to the Wells Fargo phishing report email address and explained the situation. I closed with " If it actually was Wells Fargo I talked to, I hope someone from that company lets me know. '' No answer. 

-Around XX/XX/XXXX I got a credit card from Wells Fargo in the mail. I looked up " Wells Fargo Account Fraud '' and found this on XXXX : " Wells Fargo clients began to notice the fraud after being charged unanticipated fees and -- receiving unexpected credit or debit cards -- or lines of credit. 

So I received an unexpected credit card, long after closing an account. Is Wells Fargo committing one of its crimes again?

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 2020-04-01
Company: Experian Information Solutions 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone the authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these suspicious accounts from my reports as soon as possible. 

XXXX XXXX {$2300.00} XXXX  XXXX {$24000.00} XXXX/XXXX  XXXX {$1000.00} XXXX XXXX {$2500.00} XXXX  XXXX {$6300.00} XXXX XXXX  XXXX {$670.00} XXXX XXXX   XXXX {$3300.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$51.00} XXXX  XXXX {$2300.00} XXXX XXXX XXXX {$1800.00} COLLECTIONS XXXX {$90.00} XXXX/XXXX  XXXX {$150.00} XXXX/XXXX  XXXX {$2200.00} XXXX XXXX   XXXX {$9900.00} XXXX XXXX {$8000.00} XXXX XXXX {$98.00}

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 2023-04-22
Company: EQUIFAX, 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:
In accordance with the fair credit act the following companies : XXXX acct XXXX XXXX, XXXX acct # XXXX, Capital XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX XXXX XXXX # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX has violated my rights 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
XX/XX/2021 - I performed an online balance transfer through Capitol One and the intended company never received the money. Capitol One has done nothing to assist with the matter except to send letters every few months, after we call yet again to try and resolve this matter, to another lender that had no affiliation with the original lender. We've sat on hold for hours trying to get someone to assist and have explained repeatedly that they sent the money to the wrong place. They keep stating that they aren't responsible, and I have tried getting a copy of the initial transaction to see if I made a mistake, but they won't show me my initial online request for the loan transfer stating they can't access any of the online transactions, so I have no means to prove otherwise. The copy of the check they sent was for a different company than the one I had applied for, and the routing on the check is suspicious. They have literally committed fraud to the tune of {$7500.00} and we are paying for a loan that we never received. We even had a lawyer call hoping that we just weren't communicating correctly, but they pretty much told us we would have to serve them to get any information. As a consumer I am horrified that this can happen and there seems to be no recourse. Any help with this matter would be greatly appreciated. Thank you for your time and assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-15
Company: CORELOGIC INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have asked this company to place a freeze verbally and in fax thats succeeded this company had not mailed or sent credit report or security freeze info

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 2022-10-31
Company: Self Financial Inc.
State: WY
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:
I had a CD with Self, Inc. After a few payments they let me open a secure card. At the CD maturation my credit card was paid off with the amount of the CD, and I asked the company to close it and they did, but not before adding a late payment fee. Since its been closed I cant pay the fee that shouldnt have existed in the first place because before the CD payout went through the clearing house, a late payment fee to the card was added. Since its been closed I cant pay the amount of the late fee. The amount is now compounding and acting like the account is still active. The company refused its responsibility over the phone and there is no email to begin a paper trail. I shouldnt have been charged a late fee and believe the company is committing fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2023-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/23 - I made a {$920.00} ATM deposit of 2 XXXX XXXX sequentially ordered money orders : XXXX for {$500.00} & XXXX for {$420.00}, ( purchased and mailed to me by my long-time tenant ) at a BOA ATM at XXXX XXXX XXXX , XXXX XX/XX/23 - They were immediately reversed XX/XX/23- I received a letter dated XX/XX/23 that the 2 items couldn't be deposited XX/XX/23 - I received a second letter dated XX/XX/23 that was supposed to include the above rejected items so that I could try to re-deposit them. However, when I received the letter, only the {$420.00} money order was attached, not the {$500.00} XX/XX/23 - I immediately went to the branch at XXXX XXXX XXXX XXXX and spoke to the lady manager. She informed me that there was nothing they could do in the branch and had a teller provide me with customer service # XXXX to initiate a claim to find the lost money order XX/XX/23 - I re-deposited the {$420.00} money order with the teller, and it went through just fine ; completely valid money order, no problems XX/XX/23 - XXXX - I called the number given to me and spoke with XXXX , she said I had to wait 10 business days from the XX/XX/23 letter before I could file a claim, to give the second money order time to arrive back to me XX/XX/23 - XXXX - I called the number above again and XXXX in SC opened claim # XXXX XXXX XXXX XXXX, I was credited the {$500.00} to my account the next day and I was to give them 45 days to research XX/XX/23 - I received an email of a message on my account that they were unable to pay this claim and the {$500.00} was debited from my account XX/XX/23 -> XX/XX/23 - I proceeded to reach out to any and all people at Bank of America that could possibly help me resolve this issue as I obviously had no power and my issue just kept getting dismissed. I finally threatened that I was going to file a police report for theft of funds XX/XX/23 - I received an email from XXXX XXXX from the above XXXX XXXX branch to contact him XX/XX/23 - I made ( another!!! ) trip to the XXXX XXXX branch, XXXX reopens the claim, giving me hope for a final resolution XX/XX/23 - I received yet another rejection of my claim/unable to pay and to add insult to injury, I noticed that the bank had credited my account XXXX, yep XXXX XXXX!, on XX/XX/23

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 2023-09-11
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was given a {$400.00} American Express Gift Card for my 5 year work anniversary from my company. I have been unable to pend the remaining {$57.00} on the card. It constantly get rejected. Have tried XXXX, XXXX XXXX, XXXX, XXXX, etc. I have followed the rule of possible 20 % hold on the sellers end and have made purchases as low as {$40.00} and it will not clear. I have attempted to use it via XXXX XXXX. Same issue. It seems as if AMEX wants this to be difficult so the balance never gets spent. I have only had 1 successful transaction at XXXX however that got declined multiple times until I was able to get it to work by removing other items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Commonwealth Financial Systems, Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Approximately XXXX years ago I had checked my credit report and noticed an open account by a debt collection agency which sounds very official, by the name of Commonwealth Financial Systems. They are attempting to collect an alleged debt by an original creditor by the name of XXXX XXXX XXXX XXXX. Upon initially speaking with them by phone first, the made statements to me such that if I don't pay this debt they will take anything I have of value to get their money. They claimed to be a legal authority and could even have the sheriff visit my work, and that I need to just grow up and pay my bills. She then hung up on me. I called them again and again inquired about this they are reporting, and stated that I need for them to send me ANY and ALL information they have regarding this alleged debt, because I have never received anything from XXXX  the original creditor nor have I ever received anything from you guys Commonwealth, thie debt collection agency verifying the validity of this alleged debt. So I would greatly appreciate it if someone could send me verification of the validity of the debt, especially since my father has the same name and lived in the state where this creditor is and our credit report has gotten mixed up before. To date I still have not received anything from either party. On top of neither party sending me anything to prove the validity of this alleged debt, I also disputed it through XXXX stating I have no recollection of having an account with Commonwealth Financial Systems or otherwise ever acquired a debt with XXXX XXXX XXXX XXXX, let alone XXXX of which that would incur over {$1000.00}. This is really impacting my credit negatively and not once has my consumer rights been taken seriously at any point. For example never providing me with proof of validity of this alleged debt, nor ever providing me AT ANY POINT with any documents from day one, even from XXXX so that I may have had a chance before this alleged debt even ever hit my credit to pay it or make payments. At this point I need assistance with this matter, from someone with knowledge, experience, and authority. Thank you so much for taking the time to review my complaint and assisting me with this matter. Have a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: KEYCORP
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I send in the statement coupon with every single check that I pay my mortgage for. On said coupon is the payment due date and each check goes with each statement. I never pay more than one payment each month and it is accounted for by each payment coupon. I got a statement dated XX/XX/2023 for the dates XX/XX/2023 to XX/XX/2023 and a due date as XX/XX/2023. I sent a certified check in the mail that will be getting there tomorrow ( XX/XX/2023 ). 

I just got ( on XX/XX/2023 ), a statement for the dates of XX/XX/2023 to XXXX/XXXX that also says the due date is XX/XX/2023. 

No 2 statements should have the same due date for separate monthly mortgage payments!

Since I pay one payment every month with a check and the corresponding coupon, there should never be more than one payment applied per statement. That is common sense. I expect a bank to stay as organized and be on time as I am expected to do so. I am 100 % on time if not early with my payments. It is up to this bank to sort the payments out accordingly. That is on KeyBank 's end of our contract. 

When I have less than 1 week to make a payment because the statement didn't get to me early enough, that is not fair, right, or even legal. I have literally less than a week. I also don't have enough money to cover 2 payments in the same month because KeyBank can't keep things straight. People are suffering in this economy and this bank is praying on me. KeyBank has an obligation to get my statements to me in a reasonable time period before the due date so I can make a payment. I'm out of checks right now and can't send in a check. I'm absolutely not calling in a payment since that is not safe or secure. I do not have a KeyBank account to do a direct online payment with. Given their performance with my mortgage, their security breach destroying my financial security, that will never happen. I NEED THE STATEMENTS TO COME EARLIER THAN 1 WEEK TO THE DUE DATE and I need due dates to be separate. Apply my payments correctly!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/22 XXXX at XXXX. My wallet was stolen, including my credit card, debit card and ID prior to this purchase. I reported my credit card stolen and my ID and debit card stolen. When I noticed this charge it wouldve been impossible for me to have purchased these items when I was at work responding to the hospital at that time, also the laws the number that theyre providing as proof that I made this purchase is not below the number that I have not only that but Im positive that they have camera footage of the person using my card at check out or when being checked out by one of their associates. I have provided an example of what my loyalty number is versus the one that they did provide it in a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Valon Technologies, Inc.
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Please review I am talking about an entire company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Waypoint Resource Group, LLC
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: Account information incorrect

Complaint:
I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

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. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments

Company response to consumer: Closed with explanation