BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-20
Company: EQUIFAX, 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Hello XX/XX/23 I noticed a car loan taken out under my name which appeared on my credit report. Which damaged my XXXX XXXX significantly. I had called the credit card company XXXX on XX/XX/23. They had told me an individual named XXXX XXXX had taken out the loan which I have no idea who that is. The company Ally financial which is the company that the car loan was taken out of. is located in XXXX, Michigan. I have never been there or plan on going there. I am in no position to be taking a XXXX car loan.

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 2023-04-04
Company: Experian Information Solutions Inc.
State: NC
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:
The following reports are causing defamation to my character and livelihood and in violation of sec. 15 USC 1681 b Please DELETE the following accounts XXXX acct # XXXX XXXX  acct # XXXX XXXX  acct # XXXX XXXX XXXX XXXX ( progressive ) acct # XXXX XXXX XXXX XXXX ( XXXX ) acct # XXXX XXXX  acct # XXXX XXXX  acct # XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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: Their investigation did not fix an error on your report

Complaint:
I have reached out to XXXX, XXXX, and XXXX XXXX numerous time. The dispute from XX/XX/XXXX is still open. I am only allowed to add supporting documents to the open dispute. Equifax has updated my late payment for XXXX XXXX account. However, XXXX, XXXX, and XXXX XXXX has not made any changes. I have sent in the forgiveness letter including supporting documentations. I have inform XXXX, XXXX, and XXXX XXXX. 

According to 15 USC 1681s-2 ( f ), during the covered period, which encompasses the time frame directly affected by the Covid-19 pandemic, furnishers of information are required to make accommodations regarding the reporting of late payments. These accommodations are intended to provide leniency and flexibility to individuals facing financial difficulties resulting from the pandemic. 

Covid 19 was declared on XX/XX/XXXX. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. Therefore, this clause is still applicable until XX/XX/XXXX. 

In section ( bb ) under covered period, 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

After calling and calling and sending in letters to accommodate my situation under the Covid 19 covered period. XXXX, XXXX, and XXXX XXXX have yet to remove the Late payment for XX/XX/XXXX. These are not following the law. 

I kindly request that you investigate this matter and ensure that the reporting of late payment ( s ) during the covered period on my account is accurate and in compliance with the accommodations outlined in 15 USC 1681s-2 ( f ). I request that you contact the creditor, XXXX XXXX, and initiate an investigation into the reported late payment ( s ) during the covered period. XXXX XXXX  have verbally stated they will not forgive my late payment under the covered period. This is against the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair Credit Reporting act, Inquiries from the following were not authorized XXXX XXXX  inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX  inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX XXXX  inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX  inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/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 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 2020-03-15
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 reviewed a recent copy of my credit report and noted an unauthorized inquiry. I have contacted XXXX XXXX and their fraud team completed an investigation and sent a letter to me, concluding that the application to XXXX XXXX was fraud, cancelling it. I have a letter attached from XXXX XXXX with the reference number. As these inquiries are both unauthorized and unsubstantiated, I request that they be deleted from my credit report. I have called Equifax multiple times and was told that all hard inquiries are legitimate and to file a dispute online. On XX/XX/XXXX, I filed a dispute with Equifax. However I was not allowed to attach any documents or a statement that would support my claim. After submitting my dispute, I was shortly given a response a few hours later denying my request to have the XXXX XXXX fraudulent inquiry removed. I called a few days later. Perhaps it was XX/XX/XXXX, only to be told by XXXX from a call center in the XXXX that hard inquiries are factual and could not be disputed. 

Per section 611 ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically, per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer I believe Equifax did not do a proper investigation ( on XX/XX/XXXX ) of the XXXX XXXX inquiry on XX/XX/XXXX. XXXX XXXX sent me a letter on XX/XX/XXXX, stating that the fraud team did an investigation and concluded that the XXXX XXXX application submitted on XX/XX/XXXX was in fact fraudulent. If an investigation was completed in less than a day, surely Equifax would have contacted XXXX XXXX to verify. 
Since there is no evidence that I initiated these requests, I request that this inquiry be removed from my credit report as per section 611 ( 5 ) ( A ) ( i ), and that Equifax promptly delete the following item  from my credit report. 

The following inquiry was not authorized : 1. [ XXXX XXXX ] [ XX/XX/XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
I sent in a complaint to Transunion that I am a victim of identity theft. In response to Transunion, I XXXX XXXX Give authorization to Transunion to continue working and investigating my claim of Identity theft.

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 2022-03-24
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This complaint and the attachments need to be reviewed and responded to by management. 
I was upgraded to the Macy 's XXXX XXXX card in XX/XX/XXXX, included was an insert advising that if I charge {$500.00} outside of Macy 's by XX/XX/XXXX, that I would be eligible for {$50.00} in Macy 's XXXX XXXX. Originally, customer service clerk XXXX XXXX wrote on Macy 's letterhead dated XX/XX/XXXX, that I was not eligible for the promotion because I needed to either register through the website or call XXXX, THIS NUMBER IS FOR XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I do not know what kind of XXXX  employees Macy 's employs, but this is a huge risk and embarrassment! The letter the clerk wrote and the promotional Macy 's credit card insert is enclosed. The insert has NOTHING on it even in the terms and conditions mentioning you need to call a XXXX XXXX XXXX to enroll your Macy 's XXXX XXXX card for a promotion!

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 2022-03-24
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Several Disputes asking to remove this alleged debt I am now demanding validation of debt failure to provide I am demanding deletion and removal from credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
STUDENT LOAN : ALL DEPT OF XXXX/ ED In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 a consumer reporting agency 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 consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antidotes 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.

I demand the collections be removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Many times I was charged atm fees when I wasnt supposed to be. Ive had my account hacked numerous times as well.

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 2023-01-13
Company: M&T BANK CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This CFPB complaint is in regards to my Checking and Savings account with M & T Bank. I deposited money into my accounts in XXXX and XXXX of XXXX  My current balance is {$49000.00} in my Checking and {$45000.00} in my Savings, a total of {$95000.00}. 

There has been a hold on my account since at least early to mid XX/XX/2022. I am not able to even transfer money from my Checking to my Savings, or withdraw money from M & T. 

Despite a visit to an M & T Branch and many phone calls to customer service, M & T has been unable to put me in touch with the department who placed the hold, and this department has made no attempt to ask me for any type of verification. An employee at a local M & T Branch, located at XXXX XXXX XXXX, XXXX, VA XXXX, has been trying to help me. She has been very responsive ; however, she has informed me it is up to an internal department who is very difficult to reach. Therefore, no progress has been made. 

In summary, I have a total of {$95000.00} frozen in my M & T accounts. The M & T department who placed the hold has never officially communicated this to me, and has made no attempt to resolve it, despite my constant attempts for the last 4 weeks. I need to access this money. 

Please ask M & T to unfreeze my account so I can access my funds. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX  Balance Owed : {$4500.00} ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Attention to  XXXX   XXXX  : LOAN #  XXXX  Property Address :   XXXX   XXXX   XXXX   XXXX   XXXX  , Florida  XXXX  Borrowers Name :  XXXX   XXXX   XXXX  To :  XXXX   XXXX , Single Point of contact of Contact of Rushmore Loan Management Services LLC.   On   XXXX   XXXX   XXXX  , we faxed the complete package to your Company requested a Loan Modification, which include the following documentation Authorization release information copy of the Mortgage statement,  Rushmore Borrower Assistance Application c ompleted and signed,   XXXX   AND  XXXX  Income taxes return, 2 months of paystub, 2 months of Bank  Statements and Utilities bil ls. The Fax confirmation on that day at   XXXX   XXXX   with  57 page s and also at   XXXX   XXXX   also  57 pages as  well.   On   XXXX   XXXX   XXXX  , we received a letter from Rushmore Loan Management Services LLC. Indicated received documentation for a Loan Modification assistance and review On   XXXX   XXXX   XXXX  , we received a new letter from Rushmore Loan Management Services LLC, indicating that were unable to offer Loan modification because The complete home Retention package was not received more than 37 days before the Foreclosure sale. Sale day   XXXX   XXXX   XXXX  .   On   XXXX   XXXX   XXXX  , we communicated with   XXXX   XXXX   XXXX  , confirmed received the documentation and he requested again the financial documentation because that quality was not the best. On   XXXX   XXXX   XXXX   we emailed him the following documentation : Tax returns, Paystub, Bank  Statements highlighting rental income, Homeowners Insurance, Lease contract We kindly request to re view this resolution based on the facts that we present and allow us to continue with the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: ACIMA CREDIT, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I leased furniture through a company called acima credit. And signed a lease over the phone thinking I was paying the amount discussed over the phone which was {$650.00}. They then sent a letter a few weeks later saying I had a  XXXX  deadline to pay off the bed. That was   XXXX   XXXX   XXXX    . I called to figure out when my deadline was and told me it passed and that I now owed {$980.00} dollars. I asked to be transferred to a supervisor, which was very rude, to try to resolve the issue. I never knew I was signing a lease for more then the amount owed until I received the letter. But the damage was done. The lease was already signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Dear CFPB ; Over the last 48 hours, my debit/checking account received six overdraft charges totaling {$190.00}. Upon noticing the problem within the first 12 hours, I immediately contacted this credit union to ask for a waiver or reduction of fees. I also deposited earnings from my food delivery job, and knew that a deposit from days earlier was already coming via ACH. Today my balance shows a positive {$120.00}, which would be up to {$310.00} if the fees had not been charged. 

My email and calls to them were discouraging. They explained they could not help me at all. Finally on a second call, they stated that they would remove {$32.00} of the {$190.00} if I deposited {$170.00} to the account today. This is after explaining as much as I could about how I was trying to fix the problem and that this amount of fees is an extreme hardship at my current low employment level. I'm on food stamps right now. It's completely my fault for causing the overdraft, but I expected way better from my local credit union and really wish they could have shown more grace.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-19
Company: BOK FINANCIAL CORP
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
Date XX/XX/2023 {$1500.00} actions : tried to contact Bank of Texas, BOKF, NA On mentioned date I did transaction of {$1500.00}, on that exchange rate was XXXX but on paper before wiring the amount they have pre fixed exchange rate XXXX and by loosing {$63.00} approximately over and above of transfer fees {$20.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
To whom this may Concern, My name is XXXX XXXX. I have a XXXX Account. I live in XXXX, Fl. Last XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Fl Let Someone Authorize a transaction on my account without my permission. I also have a voice recorded message from Customer Service Representative That called me that day I was at work, I told them that XXXX has my consent to pay the bill. I XXXX, do not give him consent to charge anything on my account. I have three Phones on my account. my original bill every month were {$130.00}. The employee that works in that store let a man I have a phone line on my account authorize an XXXXXXXX XXXX XXXX XXXX and case, and XXXX phone case on my account. His Name is XXXX XXXXXXXX XXXX let him purchases these items on his debit card. Now that brought my phone bill up to {$250.00} plus tax. XXXX refuse to pay XXXX  bill because he went up to the store and tried to talk to them about the XXXX he put on my account and the two phones on my account, the bill that was due in XXXX that they over charge the account. XXXX XXXX refuses to pay it. t mobile has his social security number and birthdate and debit card number on my account from his purchase. I am the one that have to pay this account. Now i do not have a phone line and can't do my business needs. I had to get a government phone to use. i am disputing the charged against this store and XXXX company. i am very disappointed. I never had this problem before. These representatives supposed to protect customer 's accounts and rights from other people. it seems like they always want to make a dollar, they always trying to get you do buy their product instead of helping you. The person that is held responsible for paying this account is XXXX XXXX. I will try to send an email to dispute this, I am not good in sending an email. Please note I am disputing these charges.

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