BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: MA
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:
I recently checked my credit report and saw in the collection that I am not aware of. This collection is fraudulently reporting on my account and it's completely inaccurate. Whatever this is agency is in violation of 15 U.S.C. 1692g. I do not validate this debt. Also, according to 15 USC 1681, my credit report should be 100 % accurate. The XXXX XXXX XXXX XXXX does not have the account number, which is a violation and it is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore sent me a check saying it's refund of overpayment to escrow. I took the check to my banks ATM and deposited it and then the bank said I was committing a fraud and closed my bank account. To fight back I pretty much demanded a letter from Rushmore stating the check was not a fraudulent check to take to the bank. They said they would send a letter stating this and I still don't have a letter and it's been a week now, since I spoke to a manager. I told them at that time to never send a me check ever again and to put any overpayments towards principal, now I'm getting a calls saying the check has been cash and I need to sign a statement saying I didn't commit fraud with them before they will post the money to my loan. That check has not been cashed the bank refuses to give it back and are investigating me for fraud because of the poor quality of the check. Rushmore are a bunch of crooks, now I am loosing on the interest that I could have been saving on this loan everyday this goes on. Being called a fraudster by these XXXX  and my former bank XXXX XXXX, and still no one is taking responsibility for what they have done to me. I want these people off managing my loan, they are liars and crooks. They need to be investigated thoroughly and there business practices reviewed closely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: DC
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:
This problem been persistent. Equifax failed to resolve my issue I even went to extent of filing a police report. Fraud mail is coming to my house. XXXX XXXX XXXX XXXX XXXX, and I am being taking advantage of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the fair Credit reporting act ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Account # XXXX ) and feel my rights are being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've been trying to reach out to Experian, they have not given me access to my CONSUMER REPORT and FAL REPORT. I have attached screenshots as proof. All I want is to have my FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). XXXX has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND FAL REPORT. I am entitled to a free weekly report due to the current pandemic.

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 2021-01-28
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
First, PNC was notified of a problem. Then I got transfered and the second lady/supervisor wanted me to waste time going all over the issue again, when I had said, you need to document this and fix it. So I told her she needed to get back to me in writing on it. I received a couple of emails, but again, the company refused to put the answers in writing, to fix the problem, etc. 

I want PNC to start paying me when their front line folks are not taking the appropriate steps to listen to what the issues are, and then go fix it, either from their end or move it to someone else. It is not my job to repeat at least 5 or 6 times to different people, what the problems are, unless they're paying for my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX made a hard inquiry on my credit report on XX/XX/XXXX without my permission or authorization. I spoke to TransUnion supervisor XXXX XXXX on XX/XX/XXXX who refused to remove the inquiry and informed me that I could not dispute the inquiry. I contacted XXXX XXXX who told me they would not ever make a hard inquiry without authorization. But XXXX would not send a letter asking for the hard inquiry to be removed. I asked Transunion to make this inquiry a Fraud Inquiry and they said no. So there you have it, both the credit company and the credit reporting agencies are both working against the consumer with no way to resolve. What a shame.

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: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX account number XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for XXXX  purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: MO
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:
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. I told the Equifax to reinvestigate this account : on XX/XX/XXXX  - XXXX XXXX, XXXX XXXX ( fraud/theft ), However, they stated everything was complete and accurate or still working on it, but it is been more than 30 days since I submitted the complaint. But also how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Refer to the attached documents. I request the bureau to initiate an investigation into the accounts incorrectly reporting me as late, despite my timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX Balance Owed : {$28000.00}.

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 2022-09-12
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 ordered a copy of my latest report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my disputed items in my credit report. As of todays date, Equifax and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed items below for 100 % accuracy : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$330.00} XXXXXXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX XXXX Balance Owed : {$5.00} XXXX XXXXXXXX XXXX Balance Owed : {$2.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Service Finance Holdings, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Service Finance Company is unreachable by either of 2 tel XXXX Or XXXX I give them my Acct XXXX Then give last 4 of SS Then they say they can not find account. 

I tried XXXX  for operator but they simply repeat same useless procedures. 

I want to confirm the day and address that full payment is required before any interest is incurred. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: CCS Financial Services, Inc.
State: TX
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 attempted to apply for credit and was denied, I was told to look over my credit report and if you find andy discrepancies to file a police report. I found two ( 2 ) unauthorized accounts on my credit report that has been reporting as collections two ( 2 ) CREDIT CONTROL SERVICE I've tried disputing these accounts and they can not provide me with any evidence or documentation that I had these accounts. I have items on my consumer report that are a result of Identity Theft and not made by any transaction related to me There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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:
In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected customers, right to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States that I have the right to privacy. 

15 USC 1681. Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) sections 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 convictions of crimes which anti-dates 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 explanation
Consumer complaint received 2022-09-12
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Date Opened : XX/XX/2020 Balance : {$360000.00} and XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$380000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a travel rewards credit card with Chase bank to take advantage of a promotion for points which were to be awarded for opening the card and spending {$4000.00} within 3 months of account open. 

I applied on XX/XX/2022. The application stated that the decision could take up to 30 days and that I would be notified via USPS mail of the decision. I waited the required time but never received any correspondence from Chase. After the 30 day period I contacted Chase customer service via phone. I was told by the Chase agent that my credit card application was denied. I inquired about reason for credit denial and was told that they do not disclose reasoning for credit decisions. 

Never once did I receive any written communication from Chase about the status of my credit card application nor the reason for adverse action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit 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 recently called Capital One regarding fraudulent charges made to my Capital One credit card. The charges posted on XX/XX/XXXX and XX/XX/XXXX in the amounts of {$54.00}, {$7.00}, and {$35.00} respectively. During the call, it was identified there were subscription charges in the amount of {$14.00} monthly beginning XX/XX/2022 and other unknown charges. 

I advised the Capital One rep, that these were fraudulent charges, not authorized by me, and certainly not made by me- I do not hold an XXXX account. 

The card was closed and a replacement card was ordered. The CaptialOne rep explained that there would be temporary credits to my credit card account however, the temporary credits will not be reflected in the balance until the investigation is complete. 

I received correspondence from CaptialOne explaining that there was insufficient evidence and that the temporary charges would be applied to the account leaving a balance of {$220.00}. NO details were included in the letter of the efforts of a thorough investigation. I am not responsible for these charges and CapitalOne needs to do a better job at performing a credible investigation and advocating for its clients against Fraud like XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Wells Fargo Bank closed my accounts on XXXX XXXX 2022. I received the notification letter saying that money ( XXXX USD ) was transferred to my Bank accounts in XXXX ( XXXX XXXX ) on XXXX XXXX 2022 ( transaction confirmation : XXXX ). The bank officer said that I would receive money with a week, but I have not received the money yet.

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 2022-09-11
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: Account information incorrect

Complaint:
I have a different amount showing on my credit report than what i bought. i have called multiple times with no regard for the fact that they have incorrectly reported two different amounts and they are both incorrect. i want it removed from my credit completely!

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 2022-09-11
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Requested student loan refund from EdFinancial on XX/XX/2022 for the amount of {$6900.00}. After speaking with them several times, they have quoted a refund timeline of 150 business days to a year. Loan balance has not posted back to account and is quoted to take at least one month. This is unacceptable considering other federal student loan servicers are quoting times sub one month.

Company response to consumer: Closed with explanation