BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I refinanced a vehicle wi th    XXXX   XXXX   XXXX   in  XXXX , GA  in    XX/XX/XXXX  while  resident of the state of Maryland. The refinance document was executed in th e State o  f Maryland.       XXXX  repossessed the vehicle i n  XX/XX/XXXX  of t he same year in the  Sate of   Maryland.  Due to a single late payment.     They never gave me access to the vehicle to recover personal items from the vehicle. I had a computer with multiple monitors, prescription glasses and clothes in the vehicle.      XXXX  never sent me a discretionary notice, which is required in the  state of   Maryland to rec over repossession fees.      XXXX  never sent me a 5 day notice of my right to redeem which is required by Maryla nd State Law. Whic h prevents them from collecting any type of deficiency balance in the  State o  f Maryland.       XXXX  never advised me of the location, date or time of the public auction that is required for them to collect any type of deficiency balance in th e State of G eorgia.      XXXX  has reported a deficiency balance since   XX/XX/XXXX  to my credit report showing that I owe them {$5600.00}.      They continue to update this reporting with the credit bureaus. Last update wa s  XX/XX/XXXX .      The fail to report a date of last activity to the credit reporting agencies.     Any alleged debt to     XXXX   XXXX   XXXX   would not be enforceable in the State of Maryland or in the State of Georgia due to them not following applicable state laws.      XXXX  continues to participate in an illegal scheme to poison my credit report by stating that I owe them a non legitimate debt.        XXXX   XXXX   li belous acts have caused me to pay interest rates higher than I should on a recent car loan or to be denied credit.     I have initiated disputes with the credit bureaus and directly with  XXXX   XXXX   XXXX  and they continue to verify that I owe them a valid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Some open a credit card in my name and used the balance and never made a payment at a different address and only realized because checking my credit report and called the company. It was identity fraud Ive tried disputing but have had no luck

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was a victim of identify theft and fraud through XXXX XXXX  on XX/XX/2019. Someone used my info to purchase cell phones totaling {$4200.00}. I was unaware until i pulled a credit report to make a purchase and learned about the account 's delinquency. 
I worked with XXXX for months to clear my name of this event, which they cleared via email on XX/XX/2019, including notifications to all 3 credit reporting bureaus : XXXX, XXXX, and transunion. I have had phone conversations with each company to get this resolved and removed from my credit report without success. 
Current status : * XXXX- Still showing delinquent, historical payments * XXXX Still showing delinquent, historical payaments * Transunion- shows current delinquent payments The failure of these bereaus to immediately correct this inaccuracy has had an effect on my mental health and personal finances, resulting in tremendous amount of added work when trying to get a home mortgage, in addition to a loan denial for a vehicle.

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 2023-05-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

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 non-monetary relief
Consumer complaint received 2021-05-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Good day .My name is XXXX XXXX and my account in Chase ends ... XXXX .I would like to originate a complaint against Chase Bank because an abusive plan to rich to profit plan from thousands or may be millions people misfortunes during corona virus low resources in addition to report abuse on the good will of federal help people with the recent stimulus {$1400.00} per person check. The reported incident happens when i discovered a recent charge of - {$53.00} that took my balance over - {$43.00} over the limit in my account. 
The amount is not a large amount but if you applied that to thousands or millions of Americans will mount to millions of dollars of profit to them to the expense of working Americans and does not seem right and complained to them right in their front lobby in front of waiting customers and they did nothing to remove fees or else and all they told me with all their arrogance if wanted to close the account and told hem that they may take my {$53.00} but will take them to the consumer protection agency, the US gov and state attorney office because do not think is right especially when people are coming out of a one of worse US crisis. Their response was that at the time i deposited my check back my account was light over the limit and as a " courtesy '' the will deposit my check of {$2800.00} and i responded to them that have many banks account to deposit the check but i decided to my misfortune to deposit with Chase because trusted them and they never informed me at the time that the - {$53.00} will come my way later at the time of my deposit. i made a copy of the fee and how it affected my account and sure millions of Americans if needed to further fill additional data to the complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: LoanCare, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
I requested a payoff that was good through XX/XX/XXXX -- -funds were received in the total amount. I was in a hurry to pay off because the loan was to be transferred. The funds cleared my account XX/XX/XXXX. The amount of the full payoff was included and cleared before the payoff expired. 
A principal amount of {$83.00} was still showing. Someone was supposed to call me back several times but never sent a resolution. From the payment history, it appeared they deducted the {$83.00} from my escrow and zeroed the balance. However, I called to check today and the balance that was paid was transferred to the new servicer. I feel like my complaints are falling on deaf ears. 
Complaint on new servicer coming soon! 
Thanks,

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 2023-03-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian is reporting inaccurate late payments for account XXXX XXXX XXXX XXXX. I have tried to get the late payments removed far too long and I do not think an investigation was done because the creditor informed me that Experian has not reached out for any information. Please see the attached dispute letter that was mailed to the credit reporting agencies on XX/XX/23 which is dated, and time stamped. Lastly, the credit bureaus are reporting inconsistent information which is clearly a violation of the FCRA. I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n if the incorrect late payments are not removed from my account.

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 2023-01-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My mother and I were on a Wells Fargo checking account, which also included a savings account called, " XXXX XXXX XXXX. '' I have the documentation to prove that, with dates and the account number. When my elderly mother fell ill, she moved into a XXXX home and soon after died. There was {$470.00} left in our joint account. The {$470.00} was the amount in the " XXXX XXXX  XXXX '' portion of the combined checking/savings account. After her death, I discovered through Wells Fargo documents that I still have, that Wells Fargo has a different account number for this amount. I went to the local Wells Fargo branch and told them I was the personal representative of my mother, and am on this account, which I have documentation to both, and the banker told me I could take the debit card to the ATM outside, and put the PIN number in to retrieve the money. I did not know the PIN number. My mother was elderly, ill and bedridden. We did not think of the PIN number while she was in the XXXX home and upon her death. I never used the ATM before, therefore, I did not know the PIN number. This bank staff member told me to try XXXX digits that I thought my mother might have used. I tried to explain that it could be any series of numbers in my mother 's life since she had so many years to her life. This individual insisted that I attempt any way and to use old addresses, phone numbers, etc. I did make those attempts. The machine allowed only XXXX attempts, and then locked the account. The bank personnel told me that was all they could do. I made XXXX visits to XXXX different Wells Fargo branches in XXXX XXXX. I spoke to XXXX XXXX XXXX and XXXX branch managers. According to the Wells Fargo bank statement in my possession, on XX/XX/XXXX, the money was transferred to " Unclaimed Property ''. Since my mother 's death on XX/XX/XXXX, I have attempted to retrieve this money that belongs to me, not to Wells Fargo. I have found out that it will cost more to pay to retrieve the money, than the amount of {$470.00}. Now that I am aware of your agency, I am asking for your help. According to your directions, I have not included names, account numbers, addresses or Social Security numbers, however, I do have all of those if or when you should need them. Thank you.

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 2023-02-14
Company: Experian Information Solutions 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:
I have been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, metro 2 compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!

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 2020-08-06
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:
I had a collection account with XXXX I settled it and it wasnt updated I disputed the information and Experian said the debt was verified. And I submitted the letter I received showing it was settled.

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 2022-04-02
Company: EQUIFAX, INC.
State: MO
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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:
My mortgage was originally through XXXX XXXX and then was bought out by XXXX XXXX XXXX. I was going through a divorce and foreclosure papers where served. I had sold the home before a court date was even set on XX/XX/XXXX. 

XXXX XXXX  continue to send FS ( foreclosure Proceeding Stated ) remarks to Experian XXXX months after I sold the home and MOST recently, left a FS remark on XX/XX/XXXX after the home was sold in XX/XX/XXXX. I tried to dispute this thru Experian multiple times even including my XXXX XXXX XXXX XXXX proof of sale. XXXX XXXX continuous to not answer any of my questions after telling me this is a " closed account ''. 

My home buying chances are in danger while XXXX XXXX XXXX continuous to leave negative credit inquires. Experian disputing is no help to me neither ...... 

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 2023-01-09
Company: EQUIFAX, 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:
I have contacted the credit and agencies and tried to get them to remove unvalidated collection accounts and delete unknown names and addreses from my credit report, they have refused over and over and not even attemp to address my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EOS Holdings, 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: Was not notified of investigation status or results

Complaint:
The EOS CCA with account number XXXX has been reporting on my credit report which I find erroneous. I have no idea about this account and I have submitted a lot of written complaints about this account to both Credit Bureaus and to the creditor. However, they failed to give me any response and I have decided to seek your help to have this account blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: STAR ONE CREDIT UNION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On or around XX/XX/2022, I entered into a consumer credit transaction with Star One Credit Union. I was trying to purchase a car for my family. On or around XX/XX/2022 I received a letter from Star One Credit Union, deny an extension of my credit. 
As you may be aware, its against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 USC 1691 ( c ) and you assume civil liability pursuant 15 USC 1691 ( k ) Star One Credit union has violated my federally protected consumer rights as well as caused emotional damage and injured my family and myself with their actions.

15 USC 1642 15 USC 1681N 12 CFR 1002 Since the letter you sent me dated XX/XX/2022 is both proof and evidence that I have been discriminated against, you are also criminally liable. Star One Credit Union should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. Let it be known that I am ready to litigate in this matter for discrimination against my good faith in exercising my rights if your actions are not equitable. 

The transaction was {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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: Reporting company used your report improperly

Complaint:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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: Credit inquiries on your report that you don't recognize

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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 non-monetary relief
Consumer complaint received 2017-05-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The XXXX XXXX XXXX XXXX issued by Synchrony Bank added a " Card Security '' fee with it describes as : " Optional Card Security - Up to {$10000.00} protection on your credit card. With the optional Card Security program, your account balance up to {$10000.00} may be cancelled. '' I never intended to purchase this product and certainly never knowingly did during the card application process. As I understand it the product charges XXXX dollar XXXX XXXX cents ( {$1.00} ) per XXXX XXXX dollars ( {$100.00} ) for an APR of roughly 20 %. No indication of the charge for the insurance is mentioned in the description that I click on the card payment splash page. Furthermore, The Synchrony Bank website did not make it clear if where or how it could be cancelled. I found the 3rd-party insurance service provider 's phone number and cancelled and was told my last charge would be refunded but a less observant customer could have unknowingly been paying for this unwanted service.

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