BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-05
Company: EQUIFAX, INC.
State: MA
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:
6. I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ****** ( copied from AFFIDAVIT attached ) *****

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I would like to file a formal dispute regarding TransUnion 's ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ) and 623 ( A ) ( 3 ). I have raised concerns regarding multiple charged-off accounts on my credit report, which TransUnion has reported as " verified '' without appropriately updating the status date or the date of the last reported activity. This discrepancy not only calls into question the thoroughness of the " ALLEGED '' investigation conducted by TransUnion OR if any investigation was actually conducted which violates the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ).

As of the most recent re-investigation " allegedly '' conducted on XX/XX/XXXX, my credit report still reflects the status date or date last reported as XX/XX/XXXX, for the XXXX XXXX Account # XXXX, despite an alleged ongoing investigation. Similarly, for the following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : In response to my initial dispute, TransUnion claimed to have " verified '' the accuracy of this account and updated the status date or date of last reported as XX/XX/XXXX. However, TransUnion blatantly disregarded the obligation to include the Notice of Dispute in the comment section within 30 days of my original dispute. This omission is a clear violation of FCRA 623 ( A ) ( 3 ). 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08
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:
On XX/XX/XXXX, I was informed by my loan agent there there was numerous negative accounts on my credit files. I immediately opened up a monitoring service to view my credit file up until now i had no use for any as I rarely use my credit at all and often reside in XXXX much of the year. Upon viewing the authorized accounts on my credit file dating back several years, I immediately contacted the local authorities to begin procedures to protect myself from further harm. I am now following the guidance given to me per the local authorities and contacting each of the credit bureaus and creditors also I am filing with the State Attorney General, FTC, And CFPB. 

Please Remove the following : XXXX {$5100.00} XXXX XXXX  {$3300.00} XXXX XXXX   XXXX {$120000.00}

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 2017-10-11
Company: CITIBANK, N.A.
State: VT
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:
I ordered, online, a FREE sample of a vitamin product, with a bonus bottle of another energy vitamin. JUST PAY {$4.00} shipping. Used credit card to pay for shipping only. Citi bank said this practice is not fraud. A scam is not fraud? They stole my card information.

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 2023-08-23
Company: Experian Information Solutions Inc.
State: MD
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'm providing more information to an address an issue with XXXX reporting XXXX accounts on my credit report. Even after the data breach that happened with XXXX somehow they still will place the wrong information on my credit report. I have the contract that isnt my name from XXXX and multiple letters. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 ; ( ii ) the information is, and in fact, inaccurate. THIS IS THE LAW XXXX REFUSES TO ACKNOWLEDGE THE LAW.

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 2022-02-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been having the hardest time with Experian. I had been incarcerated from XX/XX/XXXX and got released XX/XX/XXXX and within that short amount of time, My identity was stolen and used. So, I go to make an account on there to check on my " FRAUD ALERT '' I placed back in XXXX and they say I already have an account. Which I know I don't. So, now they never answer the phone and they won't send me anything in the mail. When I got a hold of someone in the main branch, They continued to laugh and make a joke of it and refer to me and my husband as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' I am utterly offended by this company and will never feel anything but agonizing anger. I was so caught up in the " XXXX joke '' that I forgot to register her name. 

Respect should be the number one thing for a business.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
I need this to be removed as it affects me XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-04
Company: CCF Intermediate Holdings LLC
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They called from a XXXX Oregon phone number and stated they were trying to mediate a loan I received in XXXX then changed it XXXX from check into cash. They stated they were going to garnish my pay check. I never got a payday loan from anyone. They called themselves XXXX services. Phone number XXXX XXXX XXXX. They had my ssn, my previous address and a really old email.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: CITIBANK, N.A.
State: CA
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:
My card is Citi Dividend card which every quarter will have a 5 % cash back in specific purchase category promotion program. This quarter ( XXXX - XXXX ) the category is " Fitness club and Supermarket '', the original sign up page is here : ( https : //www.citi.com/credit-cards/credit-cards-citi/citi.action? ID=dividend-quarterly-offer ) and there is only one short sentence explain what is " fitness club '' : " Fitness clubs are classified as merchants that operate sports and recreation facilities requiring membership. '' I used this card to purchase 20 classes from " XXXX XXXX XXXX XXXX CA '' on XX/XX/2020 and I think my purchase is totally match the requirement of fitness category because this is a sports center requiring membership and my classes are all about fitness. However, the citi just gives me 1 % cashback and recognized my purchase as Health Care which I think is totally not reasonable, this is not a dental or eye care but fitness classes, how can they say this is about health care. I believe this is a wrong category recognization. 

I talked to Citi, they just said the category is somehow self supported by the merchants and they can do nothing and refused to give me extra 4 % cash back. I do not think this is acceptable because as a customer we do not have any ability to know which code my fitness center is using and what kind of category it is, what I know is I see your promotion program says this quarter I will get 5 % cash back if I use my Citi Dividend card to purchase fitness classes. Otherwise why I will use this card to pay for this purchase? I have some other products from other bank can give me 1.5 % ~2.25 % cash back for any general purchases, I have no reason to use a card only give me 1 % cash back, so I believe this is a false advertising and my request is to get 5 % for my this fitness purchase.

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 2019-05-08
Company: EQUIFAX, INC.
State: NY
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:
after numerous disputes XXXX refuses to report this XXXX XXXX account as charged off and not paid. this account is paid and the creditor agreed to delete upon payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, someone hacked my Bank of America account, added a XXXX recipient which I don't know, and transferred {$3400.00} from my account. The hacker transferred out my phone number from my carrier company, so they could receive a verification code to log in to my Bank of America Online Banking Account. I visited the BoA branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and have the case opened. 10 Days later, I called their fraud center. They say my claim case was denied. This is clearly a system vulnerability of BoA, which caused the loss of my funds.

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 2022-03-15
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I applied and was approved for a Mortgage Modification with Wells Fargo ( loan # XXXX, FHA case # XXXX XXXX ), a notary came to my house on XX/XX/XXXX and I signed all documentation with her and I expected my first payment to be ACH deducted on XX/XX/XXXX. After XXXX the money was not deducted from my account and I received a letter from XXXXXXXX XXXX stating that my loan had been sold to them and I owed all of the arears payment in full. I explained I had completed a mortgage modification with Wells Fargo and XXXX stated that they would be contacting Wells Fargo to get a signed copy of the modification. According to XXXX, Wells Fargo has not been responsive and now XXXXXXXX XXXX  has began foreclosure proceedings against me. I have tried to contact Wells Fargo multiple times with no help or response. I do want to lose my home and I was advised by HUD to verify that Wells Fargo filed the modification with HUD and to get help with this. I have a scheduled hearing date on XX/XX/XXXX. I have been working with a housing counselor to resolve 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 2018-08-14
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a vehicle at XXXX in XXXX VA, I owned 4 other cars at that time and told the dealer salemen that I only need a XXXX  for XXXX and XXXX XXXX. I told them I don't live in VA i have North Carolinia dirvers licesnse is that going to be a problem, I was told " no! ". 

It's obvious now they gave me the car and thought " 3 months later '' I'll drump though hoops. 

I didn't live in VA at the time of purchase my drivers license can prove this I had the car repossessed becaue I was told " I '' didn't register the car I can prove this I paid XXXX Tax and Tags I can prove this I currently on this day of XX/XX/2018 have a credit of over {$100.00} dollars I can prove this I tried to find a law that gives the lien holder the right to take the car under these circumstances I couldn't find any. I was told today I need to get VA dirvers licenses I can prove this also. 

I told " XXXX '' from XXXX XXXX XXXX can you ship the car to a XXXX location in N.C. and because it's now a problem and it wasn't them and have them register the car there and I'll pick it up. I was told no " you have to get a VA driver 's license, and hey all you have to do is do that and this matter is resolved ''. I then told her " I'm not getting a licesnse in VA it wasn't required when I brought this car and I don't live in VA ''. 

I also told her well a person can sign an agreement for a loan for 5 years and move! it not a crime to move or is it a problem at all to move when your financing a car. In addition once I obtain a VA license I'm admitting wrong! 

I'll have to send you a copy of all paper work. 


I would like you to publish this and us my name and info :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting 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 am writing to file a complaint to CAPITAL ONE regarding the reported unauthorized inquiry on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. My date of birth is XXXX, and the last 4 digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXX.I have identified likely mendacious and certainly unproven complaint reported account on my credit file that are inaccurate and erroneous l. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular item that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my XXXX the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.t report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My second mortgage was purchased by XXXX XXXX XXXX in XX/XX/2019. This is a down payment assistance loan that initially started out at XXXX. When the loan transferred to XXXX XXXX XXXX the balance on my loan reset to XXXX and my additional principal payments made ( clearly intended to go towards principal ) on loan were applied to interest. I've called multiple times with no resolution and receive a different answer each time. I also submit disputes through the CFPB, but in the response letters no one answers or the number is wrong. Loan Care is  servicing the loan and will not assist with correcting the issue. My balance for this month is even doubled! They keep telling me that this is an interest only loan and any additional payment made will go towards interest. In the note it clearly states that I can make prepayment and they'll be applied toward principal. I spoke to my closing attorney and previous lender. The attorney reviewed the note and stated that prepayment can be made to reduce the balance. I am requesting that Loan Care research my prepayments on the old loan and adjust the new loan balance. I am also requesting that the payment amount be corrected before I make another payment. This is my last attempt before I file a claim with my local court and seek damages.I have made an extensive communication trail and find this to be unacceptable. Old Account ( before transfer ) -  XXXX New Account ( after transfer ) - XXXX Both accounts were serviced by Loan Care. Please read the entire note and addenda. It states PREPAYMENTS CAN BE MADE TO REDUCE THE PRINCIPAL BALANCE. YOU MUST READ THE ENTIRE NOTE!

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 2018-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2018 I filled out a pre-qualify application for a Bank Of America credit card. The advertisement stated Will Not affect my credit score. As soon as a submitted my application, a BOA page appeared with a credit card that supposedly I qualified for. The page wanted more information to proceed with card. I provided all my information, date of birth, SS #, Address and work information. I again submitted online application and in that instance, I was denied. I believe this is deception and false advertisement. If the first page submitted went thru fine, then I should have been approved. This poor business practice have damaged my credit scores.

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 2020-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am writing a complaint on Bank off America cause in XX/XX/2019 I had lost my debit card with them and I reported the fraud to BOA and they did not approve my claim. I moved from my address in XXXX XXXX XXXX XXXX NM to XXXX XXXX XXXX XXXX  XXXX I filed a police report and sent it to them attached with my social security number XXXX cause I did not have my account number heard nothing back and they had my account overdrawn cause of this fraud.

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