BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$740.00} XXXX XXXX XXXX {$2200.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX CARD 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 2021-11-11
Company: Credit Control, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have a message from credit control LLC this is a call from a debt collector please call XXXX I have received repeated calls from this unscrupulous company. I know what my debt is and I dont owe anyone any money.

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 2023-05-03
Company: MRS BPO, LLC
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 MRS Associates account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/2022 account # XXXX a XXXX account was opened under my name without my knowledge or consent and was used and left a {$490.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased a cameo silhouette off of XXXX XXXX XXXX XX/XX/2020 never received my product asked for a refund never received my refund. I disputed it with my bank my bank found no error and told me I was not receiving my refund. There's almost a year later and I still have not received my product or my refund

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello My name is XXXX XXXX, and I am a United States citizen. As a citizen here in United States, I am protected under 15 USC 1681.

Equifax has violated my rights numerous times under 15 USC 1681.

According to 15 USC 1681 : I have the right to privacy and I never gave Equifax my written consent to furnish these accounts.

I demand Equifax remove the accounts listed below because they simply do not belong to me. Also I demand that these accounts be removed AGAIN, since they were removed before, and they reappeared on the account for no apparent reason. 

I spoke to an Equifax supervisor today and he stated that he never got any original written consent proof to show that I agreed to have these account information furnished. I have a recorded conversation that has him stating that Equifax never received any info of any written consent form that was requested. 

We had filed an FTC complaint as well. 
Accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX previously removed and not on the report currently as of today - XX/XX/23 are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attached , you will find the FTC complaint that we filed XXXX FTC Complaint number : XXXX XXXX 

Also attached, you will find proof of removal from the credit that was previously reported by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 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 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 2019-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2019 we financed a XXXX  XXXX XXXX. A week later it was in the shop for a front passenger windshield washer spray hose. XX/XX/2019 the XXXX dies out on I-70 practically leaving us stranded. We take it to the shop same day days later they explain it is the transmission, it gave out. We leave it for them to fix and we hear nothing. I call back they say the transmission has not been delivered yet. I ask well can we get a loaner to get to work rudely he said we normally don't do loaners but in this case ok. We felt just as scared and worried in the loaner because the check engine light was on also in the loaner? On XX/XX/2019 they call and say the XXXX is ready we get there pay a {$25.00} dollar deductible only to find the Service department lost our car key made us a new one which did not have our gas cap key and also did not open the back hatch? We drive away only to die out the same day leaving us stranded. Next  day XX/XX/2019 we drop it off at the dealership again. Later that day they tell us the crankshaft sensor went out. We drive it for 2 days and on XX/XX/2019 the XXXX is stalling and the check engine light comes back on? We got to the point we can not handle this anymore XX/XX/2019 we go in to voluntarily surrender the XXXX due to mechanical issues XXXX XXXX took our plates that we paid for and held them in the Service department making us feel hostage for wanting out of the contract. We signed the voluntary surrender paperwork with XXXX and instead of XXXX being a gentleman and giving us our plates XXXX had to go get them for us. Then XXXX XXXX later that day did a hard inquiry on our credit this is negligent on their part and we feel our credit should not suffer because of this. Since we had the XXXX we paid the loan on time each time the loan payment was due. We even made a payment while the XXXX was in the shop. Please can someone help us.

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 2022-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I received a {$1500.00} check for a second-hand goods, after I deposited the check in the Bank of America which is located in XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Later I don't want to sell the goods for some reason. After 20 minutes, I went back to the bank. I told the bank employee standing at the front desk to cancel the check, but he told me that the check can't be cancelled due to it's scanned. I asked him if it means I got the money once the check is deposited to my account. I double checked with him if there is any risk for me to lose the money. He said you are covered and you got the money since the check can not be reversed now. He failed to explain to me there could be an empty check. 
So until the next day, on XX/XX/XXXX, I found the money of check is posted to my account, I believe it's safe because I have double confirmed with the bank employee. The buyer provided the XXXX account to me, so I return {$900.00} and {$600.00} to XXXX via XXXX  transfer. 

On XX/XX/XXXX, I found the bank charged me {$1500.00}, they explained that they didn't get money from XXXX XXXX because the previous check is empty. I am astonished that the employee ever told me that my money is safe if the money of check is posted on my account. 

Without the bank employee 's confirmation, I would never have XXXX  transfer the refunded amount.I planned to return the check to the buyer.But I trusted the bank employee that it's my money when the check money is posted on my account. 

And if the check is empty, why the money is posted on my account the next day. 

So it caused me {$1500.00} money loss because the bank delivered the wrong information. I have to ask your help to get my money back.

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 2023-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received email notifications from Bank of America on XX/XX/2022 and XX/XX/2022 regarding the opening of two bank accounts under my name using some of my personal information. Attempts to contact Bank of America over the phone concerning account fraud were unsuccessful and I was only able to speak with someone on XX/XX/2022 after emailing complaints to the company. Initial claims were filed over the phone and I spoke with 2 individuals ( XXXX in XXXX and XXXX in XXXX ) who then sent a follow-up information packet via mail on XX/XX/2022. The completed Uniform Affidavit for Identity Theft was mailed on XX/XX/2022 to the Bank of America digital fraud claims. Shortly after discovering the fraud I placed a freeze on my credit report, filed reports with the FTC identity theft department, and ordered a comprehensive report from Early Warning Systems to identify other potential fraudulent accounts. No further correspondence was received from Bank of America and a dispute letter was sent on XX/XX/2022 in order to ascertain the status of their investigation and insure the accounts were closed. Over a month has passed with no further word from Bank of America.

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 2022-05-31
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: 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. XXXX 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 719XXXX  has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. 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 XXXX more than 21 times. XXXX 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 n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: VA
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:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 

Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account # XXXX Account Name : CREDIT XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account # XXXX Account Name : ( Original Creditor : ) Account # 1026**** Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: WELLS FARGO & COMPANY
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
We felt the interest rate was too high and they was taking advantage of use due to the time of XXXX pandemic. My credit was not as bad as they lead me to believe. The week after I made my first car note. I receive offers for cheater rates.

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 2023-02-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Im the beginning of XXXX I have removed 3 accounts from my collections and disputed them through XXXX. I also updated information on the previous mentioned platform as well as XXXX These accounts have not been removed and updated. Negatives are still showing on reports and not deleted as promised.

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 2023-01-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX, Inquiry Date : XX/XX/21 XXXX XXXX, Inquiry Date : XX/XX/21 XXXX, Inquiry Date : XX/XX/21 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you ( Equifax ) permission to furnish this information on my credit report. This is a violation of the

Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

I also demand you. ( Equifax ) to produce a contract between you and I, the consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf.

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is a follow : XXXX XXXX XXXX XXXX XXXX XXXX Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello 53 bank, I tried to contact with claims department several times trough the phone, but after long wait nobody answered. 
So Im writting this claim to open a merchant dispute for 4 transactions made with my debit card ending in XXXX. 
XXXX ) Posted on XX/XX/XXXX for an amount of XXXX, it was an XXXX XXXX XXXX XXXX XXXX ) Posted on XX/XX/XXXX for an amount of XXXX, it was an XXXX XXXX XXXX XXXX XXXX ) Posted on XX/XX/XXXX for an amount of XXXX, it was an XXXX XXXX XXXX XXXX XXXX ) Posted on XX/XX/XXXX for an amount of XXXX, it was an XXXX XXXX XXXX XXXX the expected delivery date was on XX/XX/XXXX, but the seller never provided a tracking number. I tried to contact them many times but nobody answered, starting XXXX XX/XX/XXXX by email and phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This is the account end in XXXX problem caused the account funds being low. fact are TD bank repeat again and again send XXXX debit back number of time charge the consumer the fee and still return the item TD bank have always paid my and my wife XXXX debit item for over year and they would assessed a fee of 35.00 me and my wife would immediate take the step to resolve. the represent explain that we had the overdraft protection but still send the consumer a letter stated that the item was completed and assessed the fee of 35.00. the evidence show that this took place over a time. 100.00 of 1000.00.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I notice my credit score fell by over 60 points, upon checking my credit I realized that there was incorrect reporting of a late payment in XX/XX/XXXX on one of my XXXX XXXX account. I have three accounts with XXXX XXXX and base on my history there has never been a late payment on any of the 3 accounts. 
XXXX XXXX XXXX  XXXX Account Number : XXXX Account Type : Credit Card - Revolving Terms Account Status : Open Monthly Payment : {$25.00} Date Opened : XX/XX/XXXX Balance : {$680.00} Limit : {$750.00} Past Due : {$0.00} Payment Status : Paid or paying as agreed CREDIT CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Caliber Home Loans, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a current mortgage with Caliber Home Loans for a property ( see attached documents for details - Account Number XXXX ) that was purchased for {$190000.00} and mortgaged original loan amount of {$160000.00}. I been making all my payment on time with additional principle each month. As of today, my principal balance of {$140000.00} has reached 77 % percent of the original value of my home and Caliber refuses to remove the monthly mortgage insurance charged to me. I have contacted Caliber customer service and they advised me that my principal balance must reach 70 % percent of the original value of my home in order to remove the monthly mortgage insurance, which is not what federal laws require. I asked them " how come that is not reflected in my closing documents or any disclosure to me ''??? as I was never advised of this 70 % requirement, however, Caliber Home Loans couldn't give me a proper answer. See attached mortgage insurance clause that I have in my signed closing document, which doesn't reflect any of this 70 % requirement they mentioned. Furthermore, federal guidelines require mortgage insurance to automatically drop/remove the mortgage insurance when principal balance reaches 78 % of the original home value/purchase price and account in good standing. Caliber Home Loans want to continue charging me monthly mortgage insurance while my account meets federal requirements to remove my monthly mortgage insurance since I have reached 77 % principal balance, ( {$140000.00} ) to my original value of my home ( {$190000.00} ), plus my account has been in excellent standing and never late. See attached documents.

Company response to consumer: Closed with explanation