BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-10
Company: LJ Ross Associates
State: MI
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:
Hello, I have a collection notated on my credit report from LJ Ross and Associates on behalf of XXXX Hospital. This is an inaccurate collection due to XXXX Hospitals payment posting to an incorrect account. This collection was immediately disputed with LJ Ross and XXXX Hospital was contacted and the collection was resolved. The collection is updated as paid but I believe it should be deleted. Both XXXX  and XXXX have failed to investigate my dispute which was submitted through XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: IN
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 : account # XXXX, XXXX XXXX XXXX  : # 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 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 2019-12-10
Company: Experian Information Solutions Inc.
State: NY
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I HAVE SOME GOALS I WOULD LOVE TO ACCOMPLISH SO I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY 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 2022-10-19
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone tried to take out a Venmo Visa credit card from Synchrony bank using my name on XX/XX/22. The denial letter was mail to my old address with the reason being unable to access my credit bureau file ( XXXX ) due to a Freeze. Reference # 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 2018-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Hello my name is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. The last 2 years I have been a missionary in XXXX XXXX, XXXX & XXXX. Im in the process of selling my home the above address is my friends home that I use as my new address. The problem Im having is that this last year again they put my home in the flood plain, this has happened before at least 3 other times and within a few months they removed me from the flood plain, I live 7 miles up hill from the XXXX river. The problem I have is I never got any notice of the change in the flood plain. My mortgage company took out a flood insurance but Bank of America took out one also because I had a home equity loan for around {$700.00} and I paided it off three weeks ago which my final balance was just under {$500.00}, this is when the cashier asked me when would I pay the rest, thats when I found out that they put a force flood insurance on my home because I never replied to them. When I tried to clear this up they said that BofA needed to be on my mortgage for the to remove it, but I then found out that my mortgage company and BofA would not put either on each others policy. The funny thing is BofA sold my mortgage to my mortgage company XXXX XXXX ( was XXXX befor XXXX XXXX. XXXX XXXX suggested that I buy another policy with both names on it too clear up the problem, I guess that money grows on trees. 
XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX, ins. XXXX, {$660.00} Bank of America account # XXXX, XXXX, ins. # XXXX, {$770.00} Total for both {$1400.00}, Im a poor missionary, XXXX Vet, and will only receive {$3000.00} or even less at closing. Your help in this matter would be greatly appreciated. God Bless

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 2021-11-15
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2019-12-10
Company: JPMORGAN CHASE & CO.
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 provided Statements from the Credit Card company showing the date of my first delinquency ( in XXXX and another in XXXX ). I also provided a letter from the Credit Card Company demanding payment and the current past due status of my account. This clearly showed my delinquency occurred in XXXX, and this is when the clock should start ticking regarding the 7 years this negative information should be published on my credit report. 

Based on the information in the supporting documents from the Credit Card Company it is clear this negative account has been posted to my credit report exceeding 7 years. 

Twice now, I have requested all references to this account be removed from my report and both times I have received a response that stated the Credit Card Companies data is correct, and by stating this I can only assume the information I have received from the Credit Card Company back in XXXX and XXXX is not correct or the Credit Card Company is currently changing the information to allow them to continue posting this negative account information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Continental Finance Company, LLC
State: TX
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 an {$800.00} credit limit with this company. I paid {$650.00} on XX/XX/2021. It states my balance remaining on my credit is {$190.00}. But I have a negative ( {$55.00} credit limit ) this needs to be updated. It makes no sense and you can not get through to anyone to complain and get this addressed. Also every time I make a payment there is no confirmation of payment. So there are always issue with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On the date of XX/XX/XXXX, I purchase a car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a leased vehicle XXXX miles with Capital One Auto Finance ( COAF ) as the lienholder. Shortly, after purchasing the car, I continuously had mechanical issues with the car. But, on the date of XX/XX/XXXX, the car had a major engine failure, which I had towed to the local XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX, because the car can not be driven, but do start. After a diagnostic test on the engine the minimum estimated repair cost is {$5200.00}, not including labor cost. 

I contacted XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX, and I also contacted COAF to make them aware of the situation that I was having with the car. Due to my persistent and sought after legal advice, XXXX was willing to take accountability, and buy the car back, because of the mechanical issues that I was continuously on having with the car. On the date of XX/XX/XXXX, Legal Supervisor of XXXX XXXX informed me that XXXX would be willing to appraise the car as is, and make an offer to buy the car back, if I had the car towed to the nearest XXXX dealership. So, I had the car towed to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX to have appraised. After the car was appraised I received a very fair offer of {$17000.00}, which was {$4000.00} less than XXXX XXXX XXXX value of {$21000.00} due to mechanical issue of the car. But COAF was not willing to release the title to XXXX XXXX XXXX for what the car is actually worth, because the think the are entitled to over {$17000.00} in negative equity in the car. I informed COAF of a reasonable solution to the issue, which in turn they declined. 
During the fourteen months that the car was operational, and I was able to drive the car I made my monthly payments on time. The car has not been drivable, and jus been parked in my driveway since XX/XX/XXXX. I did stop making payment on the car for the past three months. So, COAF is fully aware of this major mechanical issue with the car, but still wan me to make monthly payments. 
I recently checked my credit report, and COAF has added this negative item to my credit report in the amount of {$34000.00}, plus two missed payments, which to date has reduced my credit score over a XXXX points. 
For, COAF to add this amount of {$34000.00} to my credit report is an abuse of debt collection, and the use of negative credit reporting as a threat. Because, not one time has COAF reached out to me about repossessing the car or nothing. The reason why COAF has not repossessed the car is because of the minimum estimated repair cost of {$5200.00} or more, not including labor cost, and because of the car resell value, but would like to keep this negative item on my credit report even though they do not want the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: VA
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:
This account is currently reporting on my credit report, and I have not physically signed anything or applied for any type of credit with the merchant. I have previously requested an Investigation into this matter, and I have not gotten a resolution to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws XXXX I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX XXXX Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX  XXXX XX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXXXX/XX/XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX nAlleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 6 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX Alleged Creditor # 7 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/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 2023-08-24
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX Balance details Paid off- Balance- Balance updated- Original balance {$24000.00} Account info Account numberXXXX Open/closedClosed Date openedXXXX XXXX XXXX  Account typeAuto Loan XXXX XXXX XXXXOriginal creditor : XXXXXXXX XXXX XXXX Balance details 0 % paid off Balance {$410.00} Balance updatedXXXX XXXX XXXX Original balance {$410.00} Account info Account numberXXXX Date openedXXXX XXXX XXXX Account typeDebt Buyer StatusCollection account. {$410.00} past due as of XX/XX/XXXX. 
Status updatedMar XXXX XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$2300.00} Balance updatedXXXX XXXX XXXX Original balance {$2000.00} Account info Account XXXX Date openedXXXX  XXXX, XXXX Account typeCollection StatusCollection account. {$2300.00} past due as of XX/XX/XXXX. 
Status updatedXXXX XXXX XXXX {$1100.00} Balance updatedXXXX XXXX XXXX Credit limit {$750.00} Account info Account XXXX Open/closedClosed Date openedXXXX XXXX, XXXX Account typeCharge Car XXXX Account numberXXXX Open/closedClosed Date openedXXXX XXXX XXXX Account typeCredit ca

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: EQUIFAX, INC.
State: TX
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 have applied for XXXX XXXX Visa credit card on XX/XX/2019 and I was approved. I used the credit card for purchase 3-4 times and every time they used to look up my account in store using my id as I didn't receive the physical card. 

On XX/XX/2019 I went again to a XXXX XXXX Store at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX for purchasing one item and I asked the associate ( XXXX ) to look up my account. I clearly informed him I already have the XXXX XXXX credit card and he just need to look up so that I can pay with the XXXX XXXX card. 

He told me we need to look up in some other system so please enter your details. I raised red flag saying I am not applying for credit so why you need details like salary etc. He said we need this to look up you exist in system. 

I told him that there should not be any hit to credit score but he was still adamant for me to enter the details like income on key pad After this step the associate XXXX said that you already have an account and now your can pay. Thankfully I got a XXXX  XXXX  alert which notified that the store did a hard hit on my credit report. 
This is fraudulent activity. 
I asked for Store manager and his flat response was I apologize but we can't do anything Store General manager name : XXXX This is fraudulent activity by XXXX XXXX and I will like to report this to Consumer Financial Bureau so that other consumers are not cheated like me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been a loyal Wellsfargo customer for XXXX decades and recently became a victim of fraud while banking with this institution. I recently had " device interference '' in which my username and password were used and I was contacted by a scam artist. 
On XX/XX/XXXX at XXXX I received a call from a man claiming to be from Wellsfargo. My caller ID said Wellsfargo and he was able to send me text messages from Wellsfargo to confirm that he was legitimate. After reviewing fraudulent charges, he told me that I needed to reverse a wire to myself at which point I unknowingly transferred money to a dummy account which was not mine. I immediately contacted Wellsfargo once I realized this ( at XXXX MST ). 
It took the fraud team over FOUR hours to contact XXXX  XXXX XXXX ( the recipient bank ) and recall the wire. At which point the money was transferred and withdrawn and now my case is " no longer fraud ''. 

The wire was completed at XXXX. I reached out to Wellsfargo at XXXX. 

Wellsfargo did not request that the wire be frozen until XXXX ( this is according to their call notes ) They did not receive confirmation of the request from XXXX XXXX XXXX until the morning of XX/XX/XXXX at XXXX. 

At this point the money was gone. 

It is also at this point that Wellsfargo decided that my case was no longer fraud since I had given the person my username and password ) which is completely untrue. My account was hacked because I did not have XXXX factor authentication I find it suspicious that Wells Fargo decided that this was no longer fraud after the wire was not retrievable. 

I have contacted Wells Fargo 's call centers dozens of times only to receive a different reply and be pushed onto another representative. I feel that if this would have been acted upon with more urgency all of this would have been avoided.

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