BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: ALLY FINANCIAL INC.
State: AR
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 name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2023-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX BOA paid XXXX to XXXX of my vendors XXXX, the money has ALWAYS IN THE PAST 10 YEARS I'VE USED BILLPAY COME OUT THAT SAME DAY ... ALWAYS. As you can see by my attachments the money HAS NOT BEEN WITHDRAWN yet the check was delivered yesterday to XXXX. Due to BOA 's practice and policy for the past 10 years I was accustomed to knowing how much money I had available at all times and never having to worry about a check being presented and there not being enough funds in my account. With NO WARNING BOA has inconsistently been mailing checks and the funds come out when the vendor cashes or deposits the check. Therefore BOA has changed the rules of the game costing me embarrassment with my vendors as several checks have bounced and I have been charged a fee by them as well as having my credit now tarnished. THIS IS NOT HAPPENING ON MY PERSONAL ACCOUNT, ONLY MY BUSINESS ACCOUNT. SO WHAT THE XXXX  XX/XX/XXXXIS GOING ON???

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 2020-07-21
Company: EQUIFAX, INC.
State: GA
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is  being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-21
Company: Experian Information Solutions Inc.
State: WI
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:
Saw on an Experian report an address for me that is wrong ... .never lived there ... never used it Called Experian and they said they couldn't fix it but would send a copy of my credit report. This came today, It still shows an address that is wrong. never used. 
The incorrect, never used address on the report is : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX, WI XXXX and has been for more than ten years.

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 2023-03-01
Company: EQUIFAX, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: FL
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Make A Way Worldwide
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
Make A Way Worlwide charged me upfront for credit repair services on XX/XX/2023 they charged me XXXX upfront for credit services..I found out I shouldnt have been charged upfront because no services havent been done

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: IL
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:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CREDIT REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.

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 2020-07-21
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX Company Inquiries : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I XXXX XXXX entered into a consumer credit transaction with Capital One Auto Finance on XX/XX/2021. A consumer credit transaction is a transaction in which a finance charge is involved. Persuant to 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Knowing that the finance charge is the sum of all charges I was not expecting a bill. On XX/XX/2021 Capital One Auto Finance sent me a bill which is a violation of 15 usc 1692 ( b ) ( 2 ). Capital One Auto Finance has deceived me as a consumer and my rights were violated. Capital One Auto Finance failed to give me a right to rescind which is in violation of 15 usc 1635. In addition Capital One Auto Finance is in violation of 15 usc 1692 ( j ) ( a ). The term buyer is not defined per Truth In Lending, and what is not defined does not apply to me. Pursuant to 15 usc 1611 Capital One Auto Finance is criminally liable and civilly liable for double the amount of my finance charge pursuant 15 usc 1640. They are also liable for each FDCPA violation pursuant to 15 usc 1692 k.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Caliber Home Loans, Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/18 I discovered that Caliber home loans XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX XXXX have put together a loan package in my name with personal information stolen from XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX. This illegal loan was originated by Mr XXXX XXXX lic # XXXX, NMLS # XXXX, of Caliber home loans, our ( my XXXXyr old ) was given to Mr XXXX XXXX by XXXX employee XXXX XXXX ( loan officer ) who was terminated by XXXX on XX/XX/18, Mr XXXX XXXX is and was unlicensed in TN. My FTC complaint # XXXX my XXXX complaint # XXXX my cfpb reference # for XXXX XXXX-XXXX. I have had to freeze my credit right in the middle of the home search. My identity and credit are now in permanent Jeopardy and have suffered irrevocable harm by being passed around. I have never met Mr XXXX XXXX and have never heard of Caliber home loans. I did not give anyone permission to run credit and I have not filled out any mortgage applications with XXXX or Caliber home loans. This loan package was then transferred back to XXXX by XXXX XXXX, ( where our information was stolen from in the first place ) onXX/XX/18. The personal information was given back to XXXX in PDF form, it was stolen from XXXX in paper form ( hard copies ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2023-04-25
Company: Experian Information Solutions Inc.
State: AL
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:
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX. XXXX XXXX. 
Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX. 
Account NumberXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number: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 2021-12-03
Company: EQUIFAX, INC.
State: GA
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 checked my consumer report and found multiple inaccurate items on my consumer report I notified the credit reporting agencies of the issues and it has been XXXX days and still no response these issues are causing me pain and suffering and humiliation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi my name is XXXX XXXX and I have two accounts with BB & T. I have a personal checking account and a joint account with my wife. About three weeks ago, I tried to log on my mobile banking app and it wasnt letting me to log on. It said access blocked. So I called the number they put on there which is attached with the files. The lady I spoke with on that Friday said that there was an ACH fraudulent activity on my personal account, that wasnt supposed to be paid to me and was paid to me and withdrawn from my account and thats why my account is blocked. So I told her that I dont remember any transaction like that on my account. Can I see my statement please? She was like no, BB & T have terminated our relationship and the account is under investigation and I dont have access to my personal account nor the joint account. If I want my statement, I have to go to the branch to get it. So after I got off the phone with the lady, I remembered that someone had broken into my car a couple of weeks before this problem. So I contacted the police officer that gave me a case number that night and she requested for a statement to make an investigation and I told her that I will go to the bank and get it for her. So the following Monday, I went to the bank. They all acted very confused. they told me they cant give me my statement as well, I need to call customer service to get my statements and I was like I was told to go to the bank to get my statements. So they kept playing me back and forth. I understand if they have to do their investigation but I need access to my funds not only my funds is frozen but my wife funds too. Theres no one to contact or call at the co operate making the investigation, according to who I spoke with on the phone. theres no information on when I can get access to my funds. All they keep saying is that they dont know. This is not fair at all, especially with this pandemic going on. Everyone is trying to manage every dollar they have and bills have to be paid. these people dont care about that. Someone please help me!!

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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My father informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$8400.00}

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 explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

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 2021-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Capital One Bank USA, XXXX XXXX, and XXXX XXXX. The Account Opened is Capital One Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Meade & Associates, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I receive a notification on my XXXX  Credit report of an account with Meade & Associates for a debt I had no idea about. The debt was from a check written to XXXX XXXX for {$37.00} back in XXXX. I call Meade & Assc and asked them why they would just now report this after all these years without notifying me first. They were XXXX XXXX XXXX. They could not provide validation of the debt. They said all they have was a copy of the check. I explained that I was a victim of identity theft years ago the I had provided all the companies involved with the verification, that this happened to me with affidavits & letters of confirmation. I asked them to either provide me with proper validation or remove this from my credit report. They were XXXX XXXX XXXX XXXX XXXX has tons of complaints against this company for unfair trade practices, which is exactly what they did to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation