BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I'm the XXXX XXXX Capital one headquarters. Also the XXXX for each company and mergers listed under my Bennificary accounting. Including XXXX XXXX  and XXXX XXXX I recently tried to access my finances but keep having trouble for some reason with transfering funds from my Trust administration department. An XXXX / XXXX check has been ran multiple times. I'm having problems with my civil rights and authority to control my businesses for my best interest. Also getting funds for my best interest so I will not be suffering. There's no limit. My funds are for my best interest only.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Incomm Holdings Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a {$500.00} variable Vanilla Gift Card at a XXXX convenience store at XXXX XXXX XXXX, XXXX, VA XXXX on XX/XX/2021. Several days later, I realized the card was not activated correctly and had no balance. However, the receipt reflects that the card was activated and approved. I called Vanilla Gift on XX/XX/2021, and they created a case, the number is XXXX. 

They told me it would take 2-3 business days, and then the card would have the XXXX loaded onto it. It is now 10 days since the case creation, and 15 days since I paid XXXX for an empty gift card. 

I have a scan of the receipt attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Flatonia Investments, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a letter of credit denial from Envoy Mortgage dated XX/XX/2019. I have never heard of Envoy Portage, nor have I ever applied for a mortgage with Envoy. The loan Originator 's name is XXXX XXXX. Upon contacting Mr XXXX he indicated he received an email forwarded to him with all of my personal information and took it upon himself to apply for a loan in the the amount of {$240000.00}. I at no time was purchasing a home, or even looking at homes to purchase. I was never contacted b y Envoy Mortagge at any time. I have never heard of XXXX XXXX or Envoy Mortagge prior to receiving the denial letter. 

I spoke to XXXX XXXX at Envoy 's compliance department. XXXX advised XXXX received my information from an unaffiliated third party named XXXX XXXX. I confirmed with XXXX that XXXX was not employed by Envoy when my information was exchanged, and she is not currently employed by Envoy Mortgage. I asked XXXX if the process of applying for loans without ever speaking to an applicant, or the applicant 's knowledge that a loan is processed is legal. XXXX advised yes. 

I would like any and all information on my credit report affiliated with any individual and.or company involved in this loan application removed from all three credit reporting Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 I received a letter from XXXX XXXX XXXX , XXXX  offering a payment plan for a debt that I have received no prior communications or opportunities to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12
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 submitted a dispute with Equifax via mail regarding account name : XXXX XXXX   XXXX XXXX, account # XXXX ( see attachment. ) I received the results of reinvestigation dated XX/XX/XXXX ( see attachment. ) Upon review of the results of reinvestigation, there is a major inaccuracy. The date of 1st delinquency of XX/XX/XXXX is incorrect. Upon pulling a previous Equifax file from XX/XX/XXXX, confirmation # XXXX, the account showed a date of first delinquency of XX/XX/XXXX ( See attachment. ) This is a 13 month discrepancy. Therefore, the creditor is " re-aging '' information and reporting inaccurate information.This is a violation of the Fair Credit Reporting Act ( FCRA. ) Furthermore, Equifax has verified this as accurate information which is inaccurate. Since the date of 1st delinquency is XX/XX/XXXX, this item should be removed seven years from that date. In this case, the account should fall off from my Equifax credit file on XX/XX/XXXX. Please refer to the attachments with the inaccuracy directly from Equifax reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX/XXXX/XXXX I received a call from XXXX XXXX at XXXX XXXX XXXX, phone # XXXX, XXXX XXXX XXXX, XXXX XXXX, IL, XXXX. She claims I owe {$13000.00} to XXXX XXXXk. I told her I do not recognize this debt and she has the wrong person. 

On XXXX/XXXX/XXXX I received a letter in the mail from ARA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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 consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXXXXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX  : # XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer-reporting agency may make any consumer report containing any of the following items of information. 

Any other adverse item of information other than records of convictions of crimes Which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer-reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, South Carolina is a Predatory Lender. I purchased used car a XXXX XXXX XXXX for {$9000.00} with cash payment down of {$2000.00} making the financing by XXXX XXXX XXXX for {$7000.00}. 

Due to Financial Difficulties I did a Voluntary Surrender of the car back to XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX took a {$7000.00} car and sold it for {$2000.00} at an Auction and billed me for the balance of {$5000.00} now on this date of XX/XX/XXXX the {$5000.00} balance has grown to {$5900.00}. 

I want an Investigation Into the Criminal Fraudulent Activities of XXXX XXXX XXXX in trying to Collect Double what the car was financed. 

Selling a {$7000.00} car for {$2000.00} was a giveaway and XXXX XXXX XXXX didnt try to collect the Market XXXX XXXX Value of the Car. 

Waiting for your reply. XXXX XXXX XXXX should not be In business. Right at this point they are in the Business of Predatory Lending and Cheating their Customers. 

Any resale of a repossessed vehicle must be conducted in a commercially reasonable manner. Your creditor doesnt have to get the highest possible price for the vehicle or even a good price. But a resale price that is below fair market value may indicate that the sale was not commercially reasonable. Commercially reasonable may depend on the standard sales practices in your area. A creditors failure to resell your car in a commercially reasonable manner may give you a claim against that creditor for damages or a defense against a deficiency judgment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent my letter off XX/XX/2022 I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking # XXXX  According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They stated my account were verified during an investigation demanded by CFPB Claim ( XXXX ) but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate Also this account is reporting without have been verified by the Experian bureau of my personal signature or identification 15 USC section 604 a section 2 : it also states a consumer reporting agency can not furnish my account without written instruction Experian broke the law and has 15 days to either provide My written authorization and the information concluded in this investigation or remove these Accounts XXXX XXXXXXXX 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 2021-12-08
Company: WELLS FARGO & COMPANY
State: CA
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:
Time after time, since XX/XX/XXXX, COVID-19 Pandemic, as a XXXX XXXX XXXX long time customer, who has written letters, Emails, phone calls to plead for help because WF had agreed with the federal govt, and state gov't to help their customers who ask for help, and I believed that. After two hardship letters to XXXX XXXX,XX/XX/XXXX XX/XX/XXXX WF, and Email pleadings, to lower their punitive interest rate, they refuse. A PUNITIVE {$80.00} plus per month could help pay for my utilities, food, etc. WF claims they help people and are equitable. I see no equity in their practices. I see some age. and marital status discriminatory practices. 

Even my credit union has helped my out. Shame on Wells Fargo, for letting their elderly customers, suffer more harm by not even going our of their way to help. 

I can understand why WF is involved in so many class action lawsuits. WF did not even help me out when I wanted to refinance my home where WF held the mortgage of XX/XX/XXXX years. A divorce. AfterXX/XX/XXXX years with no alimony put me in a financial hardship. After filling out their application, which was an invitation from WF to refinance my home at a lower mortgage rate, WF put me through a futile exercise of paying the mortgage for XX/XX/XXXX months ( in 2015 ) on my own, which I complied with, which resulted in turning me down, and I had to sell my home. 

Fast forward to COVID-19 Pandemic, they are still denying help to me, a XXXX XXXX XXXX long time customer. These punitive actions on WF 's part should be addressed. Age and Marital status in my opinion, is not being dealt with equitably or justly by WF.

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 2023-09-11
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting 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:
This is my third formal request regarding my ongoing grievances. Despite my repeated appeals, I have yet to receive my personal credit report from EQUIFAX. Regrettably, they have persistently denied my request and withheld my credit information. To substantiate my claim, I have enclosed a duplicate of the letter I previously dispatched to the credit bureau, explicitly requesting my credit report. Furthermore, I have included supporting documentation, such as copies of my personal identification, to strengthen my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SUNRISE CREDIT SERVICES ( XXXX XXXXXXXX XXXX ) is a result of identity theft. I recently discovered through my Identity monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 2021-04-29
Company: Receivables Performance Management, LLC
State: MN
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:
A XXXX XXXX tradeline appeared on my credit report for an account that was opened by my previous employer years ago for business use, and I am not responsible for the outstanding balance. This debt belongs to XXXX XXXX XXXX and should be removed from my credit report. When trying to dispute the issue with XXXX, I was unable to speak to a representative about it. I was also hung up on by the collection agency XXXX placed the debt with. I want this debt removed from my credit report as I am not responsible for it, and I want no further contact from XXXX XXXX, and the debt should not be transferred to any other collection agency. Please cease & desist 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 explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: IL
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 REVIEWED MY CONSUMER CREDIT REPORT AND NOTICED THAT I HAD MULTIPLE LATE PAYMENTS ON MULTIPLE ACCOUNTS THAT I WAS NEVER LATE FOR. CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSIBILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEIR ABILITIES WITH MAXIMUM ACCURACY. I HAVE NEVER BEEN LATE WITH PAYMENTS FOR THE ACCOUNT ( XXXX  XXXX XXXX ) acct # XXXX XXXX XXXX XXXX XXXX XXXX ) acct # XXXX ( XXXX XXXX XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENTS SHOWING THAT THESE PAYMENTS WERE LATE. IF PROOF CANT BE PROVIDED I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOULD BE AS I WAS NEVER LATE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Student Loan Listed as : XXXX XXXX Date Open XX/XX/XXXX is reporting 60 and 90  days late in the months of XX/XX/XXXX and XX/XX/XXXX which is incorrect I never made a payment during this time because I did not have to as I was still in school I had started attending XXXX School at XXXX University and would not have been able to secure Financial Aid during this time had that been defaulted. I have requested between all three credit agencies XXXX, Equifax, and XXXX to delete just this one closed : Paid in Full status account and I have been ignored multiple times it is reporting inaccurately and effecting my Credit Report and ability to secure funding for anything additionally if I needed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: EQUIFAX, INC.
State: ID
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:
This complaint is regarding the student loan XXXX   XXXX. After sending dispute letters to Equifax, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: EQUIFAX, INC.
State: IL
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:
On numerous occasions Equifax did not do a thorough investigation and refused to and disregard my disputes and demands to take Certified Services and XXXX, Comenitycapital/wynd, XXXX Vacation Own inquiries off my credit report. They are in violation of FCRA ... You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information.You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: MI
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account XXXX, XXXXXXXX XXXX account XXXX, TXXXX account number : XXXX, XXXX & XXXX XXXX account number : XXXX, XXXX XXXX  account number : XXXX, XXXX XXXX XXXX account number : XXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
There was fraud detected in my Bank of America account that I was not aware of until I couldn't log back into my bank account. Without warning, BoA closed my checking account with them and sent the remaining funds back to me via check. Now every time I apply to open a checking account with another bank it won't allow me because of " past history '' with other banks. I've only had a BoA, I've never committed fraud in my account, and I'm a student who absolutely needs a bank account.

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 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX  XXXX XXXX  has continuously charged late fees without any notice. 

The credit card does not get used, therefore I only get notices that there is a late payment through my credit report. 

By that time its too late. 

Zero letters, Zero phone calls, Zero notifications made by XXXX XXXX XXXX  to rectify balance. 

Dates charged : XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21

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