BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: EQUIFAX, 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: Westlake Services, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
on XX/XX/2018 Westlake Financial Services has fraudulently taken XXXX + plus from me. Upon reviewing my contracts, obligations and rights as a natural person ; I observed that there are multiple violations present which invalidates my contract pursuant 12 CFR 1026.3 named in Truth in Lending. I requested a wet signature binding myself and Westlake in a contract 15 us code 1692. I also sent certified mail the revocation of power of attorney .15 us code 1640 ( a ) double the finance charge for each violation.15 us code 1635 ( b ) not liable for any finance charge or other charge, and any security interest, return to the obligor any money or property given as earnest money, downpayment, and any property to the obligor, the obligor may retain possession of it.

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 2023-08-21
Company: EQUIFAX, 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 have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX  XXXX XXXX  XXXX andXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo did not take off a mortgage loan I refinanced with them on my title to the house. Therefore my title lists two mortgages for the one home. This means I can not refinance because they illegally kept the refinanced, paid in full, mortgage on my title. They indicated " they are looking into it. ''

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 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Items on my credit report that was disputed and stated removed are still showing up on my report. I was shown a file number on the removed disputes but when trying to retrieve them it would not allow to see again hindering me from showing documented proof of the removal. 1 account with an outstanding balance of {$7700.00}, and another of {$440.00} were shown to have been removed on XX/XX/21 and I want all bureaus to reflect it on my credit report. Im getting no response from them on this matter.

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 2023-04-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I requested the credit bureau to investigate erroneous items on my report. my credit report is filled with incorrect information that is not mine it is now XX/XX/2023 and i have yet to hear from any of the bureaus. I have also sent a follow up letter which i believe was ignored. 

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 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On   XXXX   XXXX   XXXX     2015 Barclays Ba nk Delaware placed a hard Inquiry on my   XXXX    Credit Report. The report is  two yea rs old and needs to be removed and furthermore I never provided authorization for the inquiry. I do not have any open accounts with this company so this inquiry needs to be removed.

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 2017-05-18
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was made aware of several fraudulent debts which included  a Home Depot car d with a balance of {$1200.00} on  XXXX   XXXX ,2017. I contacted security operations, filled out the company fraud affidavit online and faxed and sent by mail. I was advised that the account was escalated and would we completed  XXXX / XXXX / 2017 . I phoned in to get the status as this is holding up a mortgage approval and I was told it will take an additional 90 days which is not what they told my loan officer or myself when she submitted all of the documents.

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 2023-04-30
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX Consumers Affairs Complaint : Credit Acceptance Corp. 
I purchased a XXXX XXXX XXXX, in XXXX it was financed through Credit Acceptance Corp. The tag price was XXXX I put a down payment of {$7500.00}. 
I paid {$530.00} totaling {$19000.00}. for three years. 
I made each payment on time and once I finished, they told me I owed another {$17000.00}, then explained that my final balance was {$30.00} for the full purchase price. I was told it was finance charges. Once I began asking the proper questions, they just kept saying it was because of interest and finance. I started to look through my transaction history and do a little investigating of my own. During my investigation, all payments were going to daily interest, none to the principal. 
Customer service stated, interest that had accrued over time. All my car payments were on time? Also, I asked, What vehicle goes from the tag price of {$19000.00} to over {$30000.00}. The attorney of record statement shows that they received file # XXXX on XX/XX/XXXX. 
As of XXXX, they started garnishing of my paychecks on XXXX. The judgment was for {$290.00} ; however, the Sheriffs Department in XXXX XXXX Louisiana is taking different amounts, therefore, I am enclosing documentation Speaking with them time after time, this matter was turned over to : Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX Office # ( XXXX ( XXXX ) - XXXX Fax : XXXX Email : 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 2017-05-18
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
1. Navient m ade subprime loans to me, while attending  XXXX  University  XXXX   XXXX , a for-profit school. My loans include :  XXXX   XXXX  Subsidized  Lo  an- XX/XX/XXXX - XX/XX/XXXX  for a   XXXX   XXXX   degree at University   XXXX   XXXX  . {$8500.00} and   {$12000.00}. I was unable to find a job within the 6 month grace period. I let    Navient Solutions, LLC know. and they sent a collections company after me anyway, as well as said I defaulted on my loans. They never offered me any alternative ways to   pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Source Receivables Management LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
THIS COMPANY IS FORIEGN TO ME AND DO NOT HAVE A CONTRACT WITH THIS COMPANY, ..THEY DO NOT HAVE PERMISSION TO DECIMINATE MY PERSONAL INFORMATION AND IS IN VIOLATION OF FDCPA LAWS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In Accordance with the Fair Credit Reporting Act. The list of addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX : has violated my rights. 

XXXX XXXX XXXX XXXX, XXXX  XXXX : has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : has violated my rights. 



15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I made a {$1200.00} payment to my  Barclaycard Reward s mastercard. They held the payment ( i.e. not making the credit available ) for a couple days, which prompted me to call them to get it released. They approved of the release and said that the credit would be available the following day. Well ... it was n't. And when i called to ask why they had n't release it, they told me they closed the account. So they basically  XXXX  me .... they got a {$1200.00} payment out of me and then closed it. This is the card I use to travel with and I was planning to travel TOMORROW! They have totally  XXXX  me up as I would not have made that big of a payment on the card if I knew they were going to close it right after. This is horrible customer service as  one of their  managers told they would be making the credit available the following day. I even told them that I was travelling and they put a travel notice on my card! I am NOT recommending this card to anyone anymore. I used to love this card because they had great rewards but after pulling this stunt I have no more love for them whatsoever.

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 2023-10-04
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Subject : Formal Complaint Against Chase Card Services for Unjust Credit Limit Reductions To Whom It May Concern, I am writing to file a formal complaint against Chase Card Services for unfair and unjust practices related to the reduction of my credit card limit on account number XXXX. 
I have been a customer in good standing with Chase for over 5 years and have consistently met my payment obligations in a timely manner. Despite my long-standing positive history, my credit limit has been reduced twice within a short period, without prior notice or reasonable explanation. These actions have had serious, real-world consequences, including a significant negative impact on my credit score, a higher credit utilization ratio, and a tangible hindrance to my financial flexibility.

Specific Consequences : 1. Decrease in Credit Score : The credit limit reductions have led to a significant drop in my credit score due to a higher credit utilization ratio.

2. Ineligibility for Mortgage : These changes have rendered me ineligible for a mortgage, forcing my husband to secure the mortgage alone at a higher interest rate, complete with Private Mortgage Insurance ( PMI ). This is despite a combined annual income of {$270000.00} and a clean record of never having been sent to collections. 

I have contacted Chase Card Services multiple times to inquire about these abrupt changes and to request a reinstatement of my previous credit limit, but have not received a satisfactory resolution. If necessary, I am willing to escalate this issue to arbitration, a process I understand to be costly for the credit card company as well. 

Under these circumstances, I strongly believe that Chase 's actions violate the terms of fair credit and consumer protection. I kindly request the CFPB to investigate this issue and to take appropriate action to correct these unfair practices. 

Thank you for your time and attention to this serious matter. I am willing to provide further information or documentation upon request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
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:
XXXX XXXX XXXX XXXX account linked to address in police report not mine, XXXX XXXX XXXX XXXX XXXX was opened during covid fraudulent late payments poster please remove, XXXX XXXX late payments remove please, charging me late fees, but posting late payments 3 months after due date after extension agreement to make all payments current. 

extensive violations on XXXX XXXX  showing balances, showing late payments and repossession codes on a credit card, after card or account was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: MoneyLion Inc.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Bank Name : MoneyLion / XXXX XXXX XXXX Bank Address : XXXX XXXX XXXX, XXXX, Iowa XXXX Account Type : Checking Routing Number : XXXX I was targeted by MoneyLion via a digital ad to sign up for a new Checking and Investment account with them associated with a 'Pave the Wage ' program. 

Here is a link to program ad : https : //www.moneylion.com/learn/doing-our-part-to-pave-the-wage/ Get 17 % extra pay up to {$590.00} Women typically earn 17 % less than men*, and were helping to close the gap by giving you a 17 % cash bonus up to {$590.00} on your first direct deposit. 

To take part, check your email and MoneyLion app for an opt-in message and set up direct deposit of $ 500+ into your MoneyLion Checking Account. 

On XXXX XXXX 2019 I downloaded app, signed up for accounts on and opted into the promotion when prompted in the app by clicking the offer. 

I then immediately set up Direct Deposit following directions provided within the app and online and starting receiving bi-weekly paychecks to my Money Lion account ending in x XXXX as follows :XX/XX/19 : XXXX XX/XX/19 : XXXX XX/XX/19 : XXXX XX/XX/19 : XXXX XX/XX/19 : XXXX XX/XX/19 : XXXX Further, I called their phone support # XXXX on XXXX XXXX, 2019 at XXXX ET and spoke with a rep who assured me that my account was set up correctly, that I was enrolled in the Pave the Wage promotion and that my paycheck direct deposit was completed. I requested he send me a record of the conversation in writing, however that did not happen. He told me that I should expect to see the bonus post without issue to my account per the terms of the offer. 

Now 5 months after my first successful direct deposit I have not received the promised bonus payment. I again called MoneyLion phone support today ( XX/XX/2019 ). 

The first rep said I was not on the enrolled account list ( despite what the rep on XX/XX/XXXX ) told me and that I was ineligible unless I could send them an email confirmation of my opt in from when I signed up. I told her that I could not send a confirmation as I never received one within the app and did not have access to emails from that far back ( I had to delete to make space ) I called back again on XX/XX/XXXX and spoke to another rep. Who after being notified of the call on XX/XX/XXXX told me that I was ineligible for the offer due to confidential reasons and would not tell me why I did not qualify. I cited the program terms as I understood them per the URL above that is enrollment in app via digital opt in to offer, repeated direct deposits to new account, and rep could not tell me why I specifically didn't qualify despite my understanding that I followed all rules and directions as stated, just that I wasn't on the list. I asked to speak to a supervision and rep said that would do me no good and did not allow me to escalate.

Company response to consumer: Closed with explanation