BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: DE
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX The following letter is a formal complaint that you are reporting INACCURATE accounts to my credit report. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish because the following accounts do not belong to me and I did not give authorization for them to be opened or furnished on my credit report. 15 USC 1681e ( b ) states, Whenever aconsumer reporting agencyprepares a consumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am asking for a re-investigation of the following personal information, unauthorized inquiries, and inaccurate accounts : The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX. The following personal information is incorrect XXXX  : XXXX XXXX  XXXX. The following personal information is incorrect Employers : XXXX XXXX  PLEASE DELETE THE INACCURATE PERSONAL INFORMATION ABOVE FROM MY CREDIT REPORT. I only give permissible purpose for the following accurate and correct personal information to be furnished : Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date Of Birth : XX/XX/XXXX Social Security Number : XXXX Employment : I do not wish to have this reported. N/A Please delete any other personal identifiers as they are inaccurate. The Fair Credit Reporting Act states my credit report must be 100 % accurate when furnished. I have included documents that verify my identity with this letter. 

Thank you for your due-diligence in having this corrected as soon as possible. 

With Kind Regard, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: WELLS FARGO & COMPANY
State: MN
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wells Fargo states I owe them XXXX dollars in student loans, though I have student loans with XXXX which I can prove and XXXX is also reflected on my NSLDS correctly. I have filed against them with the settlement a year ago and when I call for follow up I don't get an answer or they diverte the question. They told me if I pay them XXXX dollars it will all go away. Since all of this it killed my credit score and I get harassed with phone calls. I have told them to not call. Also, I have had uncountable fraud charges over the years. Please help me. I am trying to buy my first house at XXXX and live my life but this is stopping me. I am responsible and have made all my student loan, car loan and any other payments on time.

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 2023-01-20
Company: Experian Information Solutions Inc.
State: MS
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 have requested that the public record on my personal credit report is reporting completely and accurately. I have asked that all information verified include the complete and full court name reporting the full complete and accurate XXXX XXXX bankruptcy type, account ownership type, attorney name, disposition type, disposition date file date, paid date and settle date. If you are unable to verify any of the information requested, please remove this bankruptcy immediately. All dates should be reported fully and accurately to maintain the integrity of my consumer credit reports.

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 2022-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
Bank of America makes it nearly impossible to close a credit card. Every service offered by BOA has an electronic option via website or APP except for 'closing an account '. BOA forces a consumer to wait for hours on hold on the phone to close an account. This makes no sense when all other services are offered electronically. It's obvious that BOA makes it nearly impossible to close accounts for a reason - that is to encourage more consumer spending. Additionally, once an account is requested to be closed, BOA will NOT provide electronic communication to a customer confirming that the account is closed. Despite BOA 's endorsement of 'Paperless Correspondence ' AND and customer 's request for 'Paperless Correspondence ', BOA does not have the option to confirm electronically that an account is closed. So basically, once a consumer spends hours on hold waiting to speak with a customer service rep to close an account, and once that account is requested to be closed, the customer then has to rely on USPS mail to deliver a confirmation letter that the account is in fact 'closed '.

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 2022-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
In XXXX and XX/XX/2022, I have spoken with several CapitalOne Fraud agents, customer service, and filed two XXXX reports yo try to resolve this ongoing issue. However CapitalOne has continued to report incorrect information on my credit report, continued to permit external charges, and will not all delete of external banking information. However, CapitalOne has continued to state the CapitalOne Credit Card is fraudulent and possesses fraudulent charges, which they have forced me to pay for because it has severely impacted my credit. In addition, I have received written correspondence from CapitalOne stating this account is fraudulent and they will not allow access nor will provide statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 
U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting 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 reports any of the following items of information other than records of convictions of crimes which antedates the reports 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 persons knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Block, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 I received an unsolicited XXXX Debit card with my name on it at my home address via the United States Postal Service. The card lists cash.app and XXXX XXXX. On XX/XX/2022, I reached out to the customer support of Square ( the parent company of cash.app ) and was told that they could not help me. On XX/XX/2022, I tried to reach out to both Cash.app and XXXX XXXX to close the account ( s ) immediately and was told that could not be done immediately and that I needed to respond to an email with more information to begin an investigation. I am unable to get in touch with a fraud prevention specialist at either institution even though I called during posted business hours. According to a cursory search on XXXX, this is happening to many people over the last 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was written by mail claiming I owed a debt of {$23.00} for service in XX/XX/XXXX. I have not lived there since XX/XX/XXXX.. I called and they said they would look into the matter then on XX/XX/XXXX they reported I owed {$130.00} to the transition which showed up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Had a bearing go on the car after paying off almost XXXX dollers with no problems bearing went out and cost me XXXX dolleas to pay for that payment it would have cost me XXXX dollar, s that month asked to put that months at the end of loan they refused and reported my car with almost XXXX dollars left sold the car for XXXX dollars and found out the company I bought the car from never told me I had repair coverage on the car at an extra XXXX dollar 's that company was also working with wells Fargo to rip off people by not telling us we had coverage that car places name was XXXX Auto when I went back in to that company nobody that worked with me the whole company had all new people and they told me that there was nothing they could do for me because they didn't know who I was and refused to help but if I wanted another car from them could 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 2023-01-20
Company: EQUIFAX, 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:
I see two accounts that Equifax is reporting on my credit report. I do not have a contract to do business with either of the companies listed below. I have the same name as my son. I don't think the bureau did any sort of verification before listing these items on my report. Therefore, I must request a copy of the signed contact to do business with the parties listed : XXXX XXXX XXXX opened on XX/XX/2018 {$890.00} XXXX XXXX XXXX opened XX/XX/2018 {$1300.00} According to FCRA, its possible for Equifax to have mistakenly mixed credit information of people with similar information, which violates the FCRA if not remedied Creditors should not give information they know ( or should know ) is untrue or inaccurate to Equifax and Equifax should be making sure what they're reporting is true and accurate before listing these accounts on my report. 

Please provide requested info and not just say the items were verified without providing me of PROOF in the form of my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Flagstar Bank, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In between XXXX XXXX  I refinanced my mortgage through a mortgage refinance company from XXXXXXXX XXXX to Flagstar Bank XXXX Did not notice this addition to my principal until In checking my bank statement I noticed that a second principal was listed in the amount of {$29000.00}. I called the Bank and spoke with a customer service representative and she could not explain the second principle amount and told me that she would have someone call to explain it. That never happened. I then looked at the closing documents and found that mount deferred and only financing a portion of mortgage. I can't find the closing document with the amount showingI was upset and blame myself for not asking questions or trusting the mortgage finance company who never told me or was upright with important and inform me that Flagstar didn't refinance the full mortgage and that there was a deferred amount that would require payment due for any transaction associated with the sell or refinance of my house. I was disappointed frantic and angry both at myself for not being diligent to review my documents thoroughly and catch the amount deferred. Now with the Pandemic still creating health and other problems this one I don't need. I realize that I'm senior and widow and I need some help in this mess that now is an additional problem and I also know there might not be a fix for this.

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 2020-03-11
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern : Under the Fair Debt Collections Practices Act ( " FDCPA '' ), the Fair Credit Reporting Act ( " FCRA '' ) The Consumer Credit Protection Act ( " CCPA '' ), I have the right to request validation of the debt they say i owe. On XX/XX/2020 I disputed and requested validation for a debt of XXXX dollars from Jefferson Capital Systems giving them 30 days to respond.My letter to Jefferson Capital System was sent certified and received by them on XX/XX/2020. As of today XXXX XXXX Jefferson Capital System has not responded, validated, or removed this account from my credit reports with XXXX  XXXX, or XXXX in which this account is listed on all 3. This is my formal complaint that I believe the agency has violated my right as a consumer by failing to validate a debt at my request and continuing to report this disputed debt to the all 3 credit bureaus listed above. This is a clear violation of both FDCPA and the FCRA. Jefferson Capital Systems has ignored my request for validation of debt ( proof attached ) and by continuing to report to all 3 credit bureaus is causing damage to my character.I 'm requesting that all future attempts to collect this invalidated debt cease and desist and be completely removed from all 3 credit bureaus XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: GA
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 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 2023-01-20
Company: Experian Information Solutions 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:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

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 2022-03-21
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I applied for an auto loan and was told that I my credit would only be run with one lender. I specifically requested that it only be run once because I didn't want to incur multiple hits to my credit score

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 2019-01-03
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: Personal information incorrect

Complaint:
I have went over my credit report and I found account that are not mines from a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I do not recall doing any business with either company. I request to see some type of contract for business or paperwork until then pleae delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my Trans Union, XXXX, XXXX reports

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 2023-01-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
USAA was contacted in regards to a charge that was not allowed to be done repeatedly on my credit card and provided the proof of the cancellation letter along with a new purchase of software for the same purpose. USAA ignored the information and kept the charge on my card for XXXX which is against the terms and conditions of the credit card company. I'm asking for help as USAA representative ignored the information submitted and this charge will continue forever based on their poor decision. Due to the manner USAA handled the dispute I am asking for help from CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: CA
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 Account # XXXX, 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 XXXXXXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
see attached letter, dated XX/XX/XXXX and attachments 8 pages

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is a fraudulent account that was verified as accurate by XXXX and Transunion. I have not done any business with XXXX XXXX XXXXXXXX, but there is a credit card that was opened in my name. The investigation done by XXXX and Transunion could not be accurate because I was unable to get a verification of my SSN used on the original application.

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