BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I went to deposit funds into an ATM. The ATM did not process the deposit or return the funds. Only told me to contact the FI. I immediately went into the branch to be told how do we know you put money in there. Needless to say. She said she had to dispute it. And I would have my funds that day. I did not. ( This was on a Friday ) Monday, I contacted the branch again to be told they are working on it and theyd balance the machine regardless and Id have my money that day. I did not. I contacted the branch and she states she needed to balance the machine and Id have it that day. I didnt trust that, so I also contacted customer service who said that the right dispute wasnt filed. Theyd have to do it again. Now its Wednesday. I have no money. Past due bills. An overdrawn account and no way to buy food. And no resolution. This is purely unacceptable. I am missing over XXXX dollars. Its not a lot to some, but to me its survival.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX - Date of inquiry XX/XX/XXXX ; XXXX - Date of inquiry XX/XX/XXXX ; XXXX - Date of inquiry XX/XX/XXXX ; XXXX - Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX reporting/sharing private nonpublic consumer information with thrid parties, violated cease and desist that has been in effect since XX/XX/2022 XXXX XXXX, XXXX refuses to follow consumer request to opt out of all information sharing.

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 2023-03-01
Company: Ability Recovery Services, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ability recovery services reported to my XXXX account. I was never notified of debt owed prior. It was reported on XX/XX/2023

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: Shellpoint Partners, LLC
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:
Delinquency reported XX/XX/2020 XX/XX/2020 and XX/XX/2020 by Shellpoint mortgage I was affected by COVID-XX/XX/XXXX I was with another mortgage at that time. They put my in a FB Plan which was designed to protect me from credit impact. They placed me on a FB plan in XX/XX/XXXX but then transferred me too shellpoint on XX/XX/2020 while still in FB. Upon acquiring my mortgage Shellpoint proceeds to report me delinquent during this protection period. They were aware of the COVID XX/XX/XXXX bcse they were in direct contact with me too complete a modification due too missed payments. I was unaware of the reporting until I attempted too refinance my mortgage. I have contacted Shellpoint regarding this matter. My last conversation I had with them is that correction will be completed. Thats was 3 months ago.. I have missed out on opportunities for refinancing and taking advantage of these low rates. Please assist with getting them too updat the credit reporting with all 4 credit agencies

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. Please block/remove these files. 

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 2023-07-22
Company: EQUIFAX, 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: 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27
Company: WELLS FARGO & COMPANY
State: FL
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:
I opened a secure credit card with Wells Fargo over 5 years ago and was told I would receive my {$300.00} back in 1 year as long as I maintained my account, which I have done. My fiancee opened an account the same time and her card was transferred to unsecured in 6 months. Now 5 or more years later, maintaining on time payments, they are still holding my money with no reason as to why. I have contacted several times with no reason as to why.

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: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XXXX XXXX, XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX. I put {$2200.00} down on the car and financed the additional {$8000.00} with XXXX XXXX XXXX days later I left for Tennessee to take care of my father who had COVID 19. I got to Arizona the check engine light come on along with oil light I checked the fluids and there was no oil in the car. When I left California a few hours priorAll the fluids are full including the oil.I put 4 quarts of oil in it and by the time I got to Texas it was empty again.I took it to a mechanic who informed me that I've been sold a car with a blown engine.I called the dealer and informed him of what it happenedAnd of course he told me he didn't know anything was wrong with the car.I told him I was not making a payment on the car until we either we renegotiated the price of it or until he put a new engine in it.there are laws in place to keep dealers I'm telling people bad cars call the auto fraud.I informed the finance company of what was going on and the finance company tried to pressure me to make the first payment but I had been advised against doing so until a resolve was made as to what was going to happen we can get the price of the car or an engine being put in it.During the time I was negotiating with the dealer XXXX XXXX came and took the car repossessed it when it wasn't even 30 days late yet and resolved had not been made between me and the Dealer.So basically the sale of the car was illegal to begin with because you can not sell somebody a car with that kind of damage to it and not let them know.And before something could even be worked out the finance company came and repossessed it.As well as starring my TRW with a repossession for a car that was sold to me illegally.The dealer attempted to make things somewhat right with me by offering to give me back {$1500.00} of the {$2200.00} XXXX put down on the car and told me that he was taking a loss on the car anyways and that he felt that this. was fairSo if the dealer took the loss on the car then why is XXXX XXXX still trying to collect on itAnd why do I have a repossession on my trwThrough a car that was illegal to sell me in the first place.So now I'm having to file in small claims court to get my money back for the down payment and I want this repossession removed from my credit.They 're trying to collect on loan that isn't even valid anymore anyways since the dealer took the loss on the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS ACCOUNT IS FRAUD. I HAVE NEVER BEEN ASSOCIATED WITH THIS COMPANY. THEY ARE REPORTING NEGATIVELY ON MY CREDIT REPORT. I WOULD LIKE THIS ACCOUNT DELETED FROM MY REPORT IMMEDIATELY. I HAVE MADE SEVERAL ATTEMPTS TO GET THIS ACCOUNT REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. I am exercising my right as a consumer and I demand that you immediately delete and remove the following information from my credit report as you are hindering me in finding a stable job to provide for the needs of my family.

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 2021-11-15
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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-07-15
Company: Experian Information Solutions Inc.
State: UT
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 have various accounts on my credit file that are reporting erroneously. I had a few collections included in my Bankruptcy that was discharged on XX/XX/20 and they are still currently updating. This is a violation of the bankruptcy stay and these accounts need to be removed from my credit file as they have affected my credit scores and continue to effect my credit scores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 have tried multiple times to get the fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX off of my credit report to no avail. Please remove it ASAP. Thank you.

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 2023-07-22
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 I sent over a letter to the 3 credit bureaus of an account that was reported fraudulently and must be removed from my report. Credit bureaus has not responded at all. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! This account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hi, I purchased this online course " XX/XX/XXXXXXXX '' on XX/XX/XXXX XXXX ( Saturday ) 2019. 
The next days, I can not reach him anymore. He doesn't reply to my messages. He's supposed to be a mentor and we're supposed to have communication through out even after I finished all the videos. I feel like I got scammed. 

On Monday, XX/XX/2019, I contacted him and asked for a refund. He replied and told me that I was stealing information in his course. He sent me an email ( Attached to the bottom ) about the Policy, It says that he will not refund because I watched most of the videos. On the policy it says that less than 100 % video watched and 100 % 30 days money back guaranteed then you get to refund. I only watched 88 % of the videos and not even 30 days have pass I also called my bank ( Bank of America ) for a refund, They said they'll give me a credit or something, I don't really understand what they're saying but its been almost 2 weeks I never received anything.

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 2020-02-01
Company: John C. Heath, Attorney at Law, PLLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Lexington Law Firm promised that they would be able to remove all negative items on my credit report as well as improve my credit score by 100 plus points. They did not communicate what they would be challenging or disputing with my account. I would only receive emails sporatically informing me that they sent a letter on my behalf to date I have not received anything solid, other than their word. I have seen no movement from any credit reporting agency or collector. I've contacted them many times and to ask what exactly is in those challenge letters and they wouldnt say. They are unclear and when contacting a representative or paralegal they would inform me that they are doing their best for me but never tell me what exactly they were doing. They misrepresented what they could do for me to keep me as a client. Every time I contacted them with concern or questions they would tell me that I need to have patience. As a client I was led to believe their promises of negative item removals as well as credit score improvement yet that has not been the case. 

I called to cancel today ( XX/XX/2020 ) and was charged for a cancelation {$34.00} dollars even though they had previously explained that I would only be charged on the XX/XX/XXXX for their services. I have come to learn that such charging is illegal under the CROA laws which govern credit repair companies. 

I would like my money back for work they never performed and for the misleading way in which they took money but never assisted me. 

They charged me {$58.00} dollars to sign up in advance, then {$100.00} dollars monthly for service for 4 months and just now {$34.00} dollars to cancel. My total has been {$520.00} and change

Company response to consumer: Closed with explanation