BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-15
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I opened a new business connected Remitly XXXX ID # XXXX with my new debt account to pay an employee - 5 days later fraudulent transactions from XXXX began. Remitly exposed or leaked my debit card information. 

do not connect or use their services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: LYON SERVICES CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This company specializes in home improvement and pool loans, I filled out all information and was approved but now after sending in Id 's and sending in the contracts details everything has stalled and promises fron Lyon Financial to send me the final documents to sign have not been done. For over a week I keep being told they will be sent but nothing has happened, Myself and the contractor is waiting on final documents to begin work. 
Their last excuse was they are behind in processing applications. 
My loan has been approved since XXXX I believe. Just need help getting the ball rolling. They have discriminatory complaints with the XXXX against them. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: Stearns Ventures, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX   XXXX ,  2017   Loan Estimate was p rovided with a {$14000.00} credit. Tha t 3 page Loan Estimate was signed by me the borrower and did n't show where the {$14000.00} credit was accounted from and had to be assumed as a lender credit, see attachments. A five page fin al disclosure was sent on  XXXX   XXXX ,    2017  showing the credit removed with no legal explanation. See attachments.     The loa n officer  at  XXXX   XXXX   XXXX ,  XXXX  tried to explain that this was because of gift money. But in actuality was a numerical clerical error. Since the gift money was not to be held by the closing company a s 3rd party  funds this was not to be a credit. They incorrectly categorized the funds as a gift and tried to correct their error.     The gift was received in  XXXX  and was not related to the home purchase but was for wedding/honeymoon expenses. I had to disclose the money to the lender because of a 60 day review. In fact, current secured funds exceed the amount required by tens of thousands of dollars. The {$14000.00} is not required to meet the down payment.     Accordin g to 1026.38 ( i ) ( 8 ) ( iii ) they  are required to explain any changes and have refused to do so on the existing final disclosure.  XXXX  offered to resubmit a correc t LE in  order to correct their error and I have rejected that offer, and it is borderline coercion. This is a numerical clerical error and should n't be legally allowed without firm explanation. This change was not due a borrowers changed circumstance. The change was due to errors on behalf of the lender.

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 2022-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 have 3 capital one credit card, over 2 years paid as agreed.

I recently found a fraudulent account on my credit report and put a fraud alert on my credit report.

When I applied for a new card with capital one, the followed instructions as I requested on my report, they callee my phone, same phone as Capital one has on my accounts ( 3 ) if them After identifying myself and establishing my identity I was told everything was ok.

Then a few days later I received a letter that was requesting copy of my Driver license, social security card, tax return, and pay stub. 

I sent them copy of my drivers license and copy of my 3 existing credit cards After a phone call they rejected my docs except for my license I did not have the other docs except my license and my existing cards Under KYC rules. I know you are supposed to know your customer. They know me I feel that my credit application was hindered and delayed for weeks because of the Credit message I had placed on my credit file. 
Never before I placed that message on my report was capital one concerned with me identifying myself. 

After contacting me, I answered all questions properly and they still delayed me ultimately I withdrew my application because of unwarranted scrutiny I put on myself simply because of a fraud alert I placed on my file, asking lenders to call me before opening new lines of credit. 

If banks ( capital one ) are going to discriminate against people with a fraud message to call them, they are sending out the wrong message to change consumers, not to place such alerts on their credit file, because they will b discriminated against for doing so. 

I feel if I was a new, established customer this activity would be warranted, but as I said, I have 3 other established accounts over the years that are still open, current standing Is Capital One discriminating against customers because they take an extra step to have lender call them to verify, YES. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: First Technology Federal Credit Union
State: VA
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 am a man/natural person and this is not a credit repair company. On XX/XX/XXXX, I was discriminated against as I exercised my right as the consumer/benificiary in a consumer credit transaction when I applied for a credit card with FIRST TECH CREDIT UNION which is a violation of Equal Credit Opportunity Act. My personal information was used on the application as well as my location information. From my understanding, banks do not lend money or extend credit as we have been bankrupt since 1933. 12 usc 83 - No national bank shall make any loan or discount on the security of the shares of its own capital stock. FIRST TECH CREDIT UNION became trustee to my social security trust as this is a trust action. They deprived me of my rights to extend credit which is a violation of 18 usc 242. They have committed trust fraud, bank fraud, and securities fraud. Each holding a fine from {>= $1,000,000} to {>= $1,000,000}. I received no benefit which is unauthorized use of my credit card. In order to clarify that there has not been any false claims of securities, illegal securitizations, trades, hypothecating, interest, and proceeds fraud entry misapplied in my name, as benificiary of the account Pursuant to 15 USC 44 Im asserting my rights to acquire documentary evidence for the books of account as defined in IRS 583. Id like to access record keeping of both journal and ledger credits of the account, as well as ledger and debits of the account, in order to verify the current accounting and taxes related to this account. This will allow me to reaffirm my status as the benificiary and you in fact have been loaned the amount in question. This will also confirm aggravates identity theft as you are conspiring to profit without my knowledge or benefit when you are trustee to my trust. Failure to produce said documents will be deprivation of rights as described before and {$10000.00} and/or XXXX in prison for any. You have committed theft by deception and embezzlement both federal crimes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Southwest Credit Systems, L.P.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: CarMax, Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, CARMAX AUTO FINANCE, 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 my account without written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: TN
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:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
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: Personal information incorrect

Complaint:
I never lived in XXXX XXXX XXXX XXXX, GA XXXX someone was using my information to attain credit I didn't authorize NOBODY to do so and All the credit bureaus are not cooperating to help me delete off credit i contacted them several times and I also dispute these account nobody cares and no one what's to do anything I send in my police report they still didn't do anything

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 2022-08-15
Company: Comerica
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:
My problems began in XXXX of XXXX as to I had applied for my 1st ever credit card with XXXX XXXX credit card .I shortly after due to issues in my home became XXXX  me and my wife split up, and I pretty much ended up loosing everything I ever owned.back in XXXX I managed and start the production of building Recording studio 's for various artist in the surrounding area. I managed the company and it ended up being my new home until the end of XX/XX/XXXX. 
I did not recieve any of the wages I worked for nor proof of employment and to make matters way more stressful one of the artist stole my credit card. I had been in contact with the credit card company every month, By XX/XX/XXXX they had canceled my card.i called a noted number of times to reach out to fix the matter i was lied to as well as told that they didn't have my account any more the sold it to another company in which released my information to other companies that i had never heard of. In XX/XX/XXXX I had opened a account with XXXX in the area for my business and I was still struggling but i brought my credit score from a XXXX up to a XXXX by XX/XX/XXXX i was closse to score XXXX  XXXX notified me that that a fruadulent was deposited in to my account. the banker i had then literally proceeded to humiliate me in public my account information was shared with unknown other customers the teller was presented with evidence that would have cleared me not to been involved with the matter i was made to feel like a common thief because of my XXXX, and also as a customer my rights were vilitated and and my creditibilty as a small business owner was tarnished I have loss wages do to all this and also Direct express had known about my identity be stolen ans has refues any evidence i have to provide

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: PA
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: NV
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-08
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A letter dated XX/XX/XXXX informed me that recent Wells Fargo escrow analysis revealed a {$12000.00} shortfall in my escrow account. Their solution : to pay the lump sum by XX/XX/XXXX or effectively doubling my monthly mortgage XXXX & XXXX payment ( {$1600.00} to {$3300.00} ) starting on XX/XX/XXXX. How did this shortfall arise? Probably when Wells acquired the loan in XX/XX/XXXX and subsequently failed to perform the proper escrow analysis when they became the new mortgage servicer. 

I called Wells customer care on XXXX XX/XX/XXXX at XXXX XXXX, the only option they gave in lieu of doubling my monthly payment was the following : instead of paying the shortfall over a XXXX period ( doubles my monthly payment ) the customer service rep ( XXXX ) offered a XXXX re-payment period for the {$12000.00} shortfall ( almost doubling my monthly payment ). I said I need to spread that shortfall payment out over a longer term, which I'm sure they can offer but after transferring me to their Escrow Department, the Escrow Department refused. Instead, they told me to call their Home Preservation group the last week of May and explain it to them. That's their Loan Modification group. I told the Escrow Department Rep that I don't need a loan mod, I just need Wells Fargo to give me a longer term to make up the escrow shortfall that was a result of their mistake. 

Again, ( 1 ) I don't think that it's appropriate that my only choices are either a {$12000.00} lump sum payment due in a couple of weeks, or an abrupt doubling of the XXXX & XXXX payment that is due to their mistake. ( 2 ) Also, I don't need nor do I want a loan mod, which will only cause me and my wife further harm.

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 2023-07-31
Company: Experian Information Solutions Inc.
State: LA
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:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-11
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My mom had a safety deposit box with Wells Fargo. Some how she put my name on it as well just in case of an emergency. My mom XXXX XXXX passed away over two years ago. I have been fighting back and forth with Wells Fargo for over two years to get this safety deposit box closed out. We could never locate the key after going through my mothers belongings. 

I wrote several letters to the branch manager during covid. I live XXXX miles away from the XXXX XXXX, Branch. He said to come down anytime I could make it to XXXX and he would close it out. I went drove all the way down there. The new manager said I needed an appointment. I drove all the way down there again and the XXXX XXXXXXXX never showed up. I signed a paper saying they could drill the box, and certified that there was nothing of value in the box. They never closed out the box. They are still sending me bills and certified letters that they are going to turn me over to collection. Now they are going to ruin my credit over this. Please help me. Wells Fargo bank XXXX XXXX XXXX XXXX. XXXX, Nevada XXXX XXXX XXXX. Phone number XXXX Sincerely XXXX XXXX. Please call me if you have questions. 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 monetary relief