BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus XXXX XXXX XXXX  but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
OnXXXX I ordered XXXX gifts snd called kohls 6-8 times to let them know label stock in system creation date XX/XX/20 XXXX. Order # XXXX snd out of all people I talked to supervisors and agents etc. they told me item will be here XX/XX/20 tomorrow is XX/XX/20 label still stuck in system. 
Moving forward on XX/XX/20 I ordered # XXXX and its going to be here on Monday XX/XX/20. Where is my first order? Im so frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am a victim of Identity Theft, someone opened a Chime Bank account using my information, I notified chime that I was a victim of Fraud. There were several fraudulent charges on this chime bank account, Chime responded from their customer service telling me that by me advising them that I am a victim of identity theft and that there was fraud on the account, they have determined no fraud occurred. They closed the account and put my social security number on suspension and " Violation Lists '' For reporting the fraud to the company. This is abuse of how fraud works, and how to handle fraud. They told me in a second email that they can't allow me to open an account ever there, or allow me to even access their websites or services because " I violated their terms and agreement '' By reporting the fraud. I do not believe that you should be accused nor told you are violating terms because you didn't open an account and told the company you were a victim of fraud. This seems almost abusive of what banks are actually supposed to do for fraud victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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: Information belongs to someone else

Complaint:
There are items on my credit report that are violations of the FCRA. There is invasion of my privacy and defamation of my character. No consent, Identity theft!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: PA
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 fervently request the removal of this account from my credit report because it does not pertain to me, and I'm truly disheartened by its appearance. I want the company to expedite its elimination from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX5 USC 1681.

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 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 2023-09-22
Company: EQUIFAX, INC.
State: AZ
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, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681.604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a late payment on a credit card under an open and consumer account as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S. C. 1681 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an 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 or crimes with antendates the report by more than seven years.

15 U.S.C. 1681 ( 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
WellsFargo conv loan with now Ex-XXXX- both names on the mortgage loan. Hm loan from XXXX COVID 2020 Shutdown- my career business XXXX  so I could not work. Then I recvd the XXXX XXXX shots to return to work, which made me very sick- while going through a 33 year marriage/divorce, finalized on end XX/XX/XXXX. I paid 20 years of a 30 yr mortgage and tried to do an ASSUMPTION LOAN- but was denied because of lack of working- due to contracting XXXX! Then got sick from getting the XXXX XXXX XXXX and had to take months to recover. I had letters stating I was employable ( 35 years as a working XXXX XXXX ) by XXXX  and I had a considerable amount of funds available until I could resume working but WF denied me. I lost out on 20 years of paying on the loan, mostly interest up front.

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 2020-12-24
Company: Colony Brands, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Dear Sir. : I am writing this letter to file a complaint. My Aunt XXXX XXXX opened a credit account with XXXX XXXX in my name without my consent. I want the account closed, but XXXX XXXX refuses to discharge the account. They have sent the account to collections and may bill me in the future. The account number is XXXX. XXXX XXXX is my Aunt, and she is a retired employee of the XXXX XXXX XXXX XXXX. She does the XXXX  for my dad and others in our community. XXXX XXXX falsely claimed that I live with her. I do not live with her! She also claimed me as a dependent and collected a {$500.00} Stimulus Payment from the XXXX. In return, I did not get my {$1200.00} Stimulus payment. Only my dad can claim me as a dependent because he is my Social Security Representative Payee. He and I live together. He told me that he did not claim me as a dependent. 
XXXX XXXX are also billing me. I bought a XXXX XXXX. To get my online XXXX XXXX hooked up to my XXXX XXXX. XXXX XXXX attempted to bill me for XXXX. I do not owe them anything, and I want this billing to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE 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:
Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-22
Company: EQUIFAX, INC.
State: VA
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2020-12-25
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have made multiple attempts to update my report for to reflect that I was impacted by the Pandemic and Covid-19. This has made it extremely difficult to meet obligations for the account with XXXX  XXXX which is closed. I did try to dispute and fix with Equifax, XXXX, and XXXX refuses to add the affected by natural disaster or Pandemic to this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I reviewed my credit report and noticed a {$41000.00} charge of from XXXX XXXX XXXX XXXX. I immediately disputed this account with each Credit Bureaus and XXXX. Each Credit Bureau responded with the account being verified as accurate, but the actual creditor NEVER responded to my validation request. I am familiar with XXXX due to being approved for a Car Loan through Dealership XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. They advised me the loan would be furnished by XXXX XXXX XXXX and that the documents would come in the mail for me to sign and return. The documents came, I signed the loan documents and a check that was made out to both me and the Car Dealership. I signed the check as well, and mailed both check and documents back to XXXX XXXX XXXX XXXX. I spoke to someone at the Dealership in which name I did not document ( due to I NEVER thought I would be experiencing this issue ) and they advised me that the check was received by the Dealership, and my car would be delivered within 72 hours after maintanence and detailing. Long story short, I NEVER received a car, No car was EVER delivered to me, and I never took possession of ANY car!! I was in the process of refinancing my home so I ran my credit report, and to my surprise there was a {$41000.00} Collection/Chargeoff reporting on my credit report. I Never received any kind of payment notification, past due notice, or any notification of this account even opened. I live in the same address for over 10 years so there was no way XXXX was unable to reach me at the same address they sent the documents for signature. They are also reporting a payment on that I made in XX/XX/ which is definitely Inaccurate because I NEVER MADE A PAYMENT TO THIS ACCOUNT! 
Back to the Credit Bureaus, how are they verifying this account as accurate? Did they even investigate? I sent a second letter to each bureau advising them that the collector did not respond to my validation request, and demanded the removal of this account from my credit report. I attached a copy of the certified receipt as proof that the request was sent to the XXXX, XXXX XXXX and XXXX XXXX XXXX. They again, advised that the account was verified as accurate although XXXX responded with they dont own the account but it is still reporting on my credit report ( I sent proof of this as well ) XXXX XXXX XXXX NEVER RESPONDED TO MY VALIDATION REQUEST. Per the FCRA that is grounds for removal automatically ( Proof was submitted of this to the bureaus as well )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : 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 explanation
Consumer complaint received 2023-03-06
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I live in Ohio. I have a credit score between XXXX and XXXX. The usury law in Ohio, states that an interest rate should not exceed 8 %, understanding that this should fluctuate based on credit history. In XXXX of XXXX, I accepted an auto loan from Regional Acceptance Corporation. The vehicle is a XXXX XXXX XXXX XXXX XXXXXXXX. It is used and there are XXXX miles on the vehicle. The resale value for this vehicle, according to XXXX XXXX XXXX is XXXX. I was unaware of this when I accepted the auto loan. Now, I have a " negative equity '' because Regional Acceptance has my payoff amount at nearly XXXX dollars. Also, I was unaware of usury laws that prohibit lenders from imposing unreasonable and or predatory interest rates. My current interest rate is a ridiculous 15.4 %. Now, I am not able to find another company to help me refinance the vehicle because the value of the loan exceeds the value of the vehicle. I pay XXXX a month and XXXX is applied to the interest and XXXX is applied to the principal. I feel that I have been baited and completely taken advantage of. I feel that I was locked into a compromising contract and I have no options to better my situation. I also feel that I do have more than enough entitlement to move forward with a lawsuit as this does seem to be predatory lending. I would appreciate any advice on the matter at hand.

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 2022-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a pre-approved credit card offer through Capital One. After applying, I received an adverse action letter, dated XX/XX/2022. I sent Capital One a reconsideration letter and again received an adverse action letter, dated XX/XX/2022. 
Capital One based a decision on false, vague, misrepresented and misleading information through the use of algorithms by XXXX. The reasons for the decision are not accurate and or not specific. 
It is a violation of the ECOA and Regulation B for a creditor to use algorithms if doing so makes a creditor unable to provide specific and accurate reasons for the adverse action. 
I, the consumer, the original, alive and natural person, was discriminated against for exercising my right, in good faith, to credit under the Consumer Credit Protection Act. 
Capital One violated 15 USC 1691 ( a ) ( 3 ) Capital One is subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by Capital One due to the response I received.

Capital One is in violation of 15 USC 1642, 15 USC 1681m and 12 CFR 1002 because I, the consumer, in good faith, filed an application for a pre-approved credit card with Capital One, but credit was not issued. 
Capital One is also in violation of 15 USC 1602p unauthorized use of a credit card because my social security number ( credit card ) was used and I received no benefit. This is proof of fraudulent activity on behalf of Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: True Link Financial, Inc.
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Nothing happened yet, because I have not activated the card due to excessive fees associated with activating and using it, A pooled trust company, XXXX XXXX XXXX, orders the card for me to pay XXXX related expenses. This card replaced the previous card which had no expenses associated with it. 
If needed I will file a complaint separately with the state of NY Dept. of Finance & taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: LJ Ross Associates
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 the debt of the amount of {$970.00} was disputed on XXXX, XXXX and XXXX as being not a valid debt. The collection company L j Ross Associates still has not reach out to me to provide a legally required debt validation letter, which outlines what debt and original contract, creditor information payment history, proof of ownership. The statute of limitation on New York State debt is 3 years. This debt is incorrect on my credit report and should be removed due to it being time- barred and falsely stated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation