BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: NY
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:
I am writing to bring to your attention a matter of utmost importance regarding my credit report. Upon a recent review of my credit history, I discovered several inquiries that were not initiated or authorized by me. This has raised serious concerns about potential fraudulent activity and its potential impact on my financial well-being. 

I have attached a copy of my credit report, highlighting the unauthorized inquiries for your reference. The fraudulent nature of these inquiries is evident as I have not applied for any new credit or services that would warrant such checks. As a responsible consumer, I take great care in managing my financial affairs, and the presence of these unauthorized inquiries is both alarming and distressing. 

I understand the critical role credit bureaus play in maintaining accurate and reliable credit information. Therefore, I kindly request that you initiate an immediate investigation into these fraudulent inquiries and take the necessary steps to remove them from my credit report. I believe it is crucial to rectify this issue promptly to safeguard my financial standing and prevent any potential negative consequences. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair credit reporting. I trust that your investigation will be conducted thoroughly and efficiently to rectify this matter at the earliest convenience. I also request that you provide me with updates on the progress of the investigation and inform me once the unauthorized inquiries have been successfully removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX ACCOUNT ; XXXX DATE OPEN ; XXXX XXXX THIS IS A ERROR REPORTING ON MY ACCOUNT THIS ACCOUNT WAS PAID IN FULL IN WAS SUPPOSED TO BE DELETE FROM MY CREDIT FILE. THE COMPANY ACTED IN BAD FAITH. I WOULD LIKE THIS ACCOUNT REMOVED WITHIN 14DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: SYNCHRONY FINANCIAL
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XXXX has once again fraudulently failed to allocate my payment funds per my specific written instructions. 
On XX/XX/XXXX I submitted a payment of {$340.00}. 
I sent a message via the XXXX message system as well as the President 's office email : " I have made a payment today of {$340.00} today. Please apply this payment and pay off promotional amount of {$340.00} for XXXX XXXX 36 month financing from XX/XX/XXXX. '' My first message and email were not responded to. 
On XX/XX/XXXX I sent a second message : " This is my second request ... I have made a payment today of {$340.00} today. Please apply this payment and pay off promotional amount of {$340.00} for XXXX XXXX 36 month financing from XX/XX/XXXX. '' I received an email acknowledgement from XXXX that they would process my request. 
On XX/XX/XXXX I reviewed my account and XXXX did NOT apply the {$340.00} against " promotional amount of {$340.00} for XXXX XXXX 36 month financing from XX/XX/XXXX. '' On XX/XX/XXXX I sent the message : " Apparently I must make another complaint too the CFPB as you did NOT apply my {$340.00} payment to the XXXX XXXX loan of {$340.00}. The US Federal government will be interested as they regulate banks. ''XX/XX/XXXX XXXX messages : " Hello XXXX, Thank you for your recent inquiry regarding your XXXX XXXX account, and the opportunity to be of service to you. Your payment has been applied toward your account balance as you requested and as allowed by federal regulations. Please refer to the Promotional Summary section of your next billing statement to see the adjustment. We appreciate you as a valued customer and hope you will continue to shop with us. If you have any questions or if we may be of further assistance, please contact us at XXXX. We appreciate you as a valued XXXX XXXX account customer. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at XXXX Sincerely, XXXX XXXXCustomer Service Account is owned by 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 explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
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 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 Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid 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 purchased a health supplement on a trial basis. Company charged me XXXX in fees in XX/XX/XXXX Within 14 days I cancelled the trial. The company billed me {$79.00}. 
I disputed the charge with Capital One credit card customer service. 
Capital one gave credit of XXXX to account. 
I filled up the documentation required by capital one and sent on line in XX/XX/XXXX. 
Capital One reversed the credit and charged the amount back into my account. 
I re-disputed the account. 
Every month Capital One kept adding late fees. 
I have paid {$55.00} in fees in fees so far. 
Last I called Capital One to close the account. 
I was recommended I resend the paperwork I sent them in XXXX which I mailed to them. 
I keep getting late fees on the Late fees. 
Company would not close account. 
My credit is being affected due to amount past due. 
Credit card companies should not be allowed to add late fees on late fees. This is like 100 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: SYNCHRONY FINANCIAL
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I used PayPal Credit ( synchrony bank ) to purchase a few items. Some were purchased under a special financing zero interest if paid in 6 months plan, and a larger one was was a 24 month plan with 12 % interest added up front. 

I recently made three payments equaling {$900.00} and found out they had applied them all to the 24 month plan until it was paid off and the small overage to the special financing balance. There is no where during the payment process to select which loans it is being applied to, the consumer has no say. 

I called today to get the payments properly allocated and was told because they had already applied the payments to and paid off the 24 month loan ( without my permission ) they can not undo that, so now Im left to come up with enough money to pay off the special purchasing totals before the promotion expires or Ill be charged a much higher interest rate. 

This company is deceptive in their practices and Ive found many more complaints online of people having the same problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: BANK OF THE WEST
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XXXX I deposited a check into my business account. No hold was placed for this deposit. Later same day deposited another check into another business account, from same check account and was told hold would be placed. Later that day was told a hold would also be placed on original check deposit of {$1500.00} because bank said had information check would return form issuing bank. This was after deposit made several hours before with no hold. I then provided proof of funds to bank manager XXXX XXXX. He said would release funds on XXXX.On XXXX check still on hold. I then provided copy of front and back of check showing it cleared my account on bank letter head from issuing bank. XXXX XXXX from Bank of the West Said would not release hold. On XXXX sent proof funds and copy again of check on Bank letter head showing it cleared, no reply. On XXXX called Bank manager XXXX XXXX, said he could not release because back office had inside information about my account???. He also said proof funds and cleared check would not work. I then put him on three way call with issuing bank and they verified funds cleared on XXXX. Mr. XXXX then told issuing bank must send letter on their letterhead providing statement funds cleared. Issuing bank also told XXXX XXXX Manager of Bank of the West that TFCU does not verify checks via phone and does no know How Bank of the West got their information. So after four business days and three verifications on bank letter head proofs of funds where good and conference call. Bank released funds and and charged me retuned check fees and caused my tax payments to bounce knowing my funds where good from the very start. I feel I was charged fees when bank is at fault and valid verifications of funds where provided .I also feel i was discriminated against on personal level. I had to go beyond standard banking practice to provide proof of funds to get a check hold released. Bank of The West put my business at risk by not being able to make tax payments. They further had more than enough documentation x 3 showing funds are good and cleared. This is not the first time the have done this to me. It not standard bank practice to provide three separate verifications on bank letter head for proof of funds and payment.Not counting all the time, stress energy to be put into this

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 2020-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-04-05
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
By 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 has violated my rights : 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S. Code 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

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.

15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. 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. 

1. XXXX XXXX XXXX XXXX. XXXX XXXX Charge-offs are a cancellation of debt which become INCOME, and income is prohibited information on a consumer report. 

Furthermore, XXXX XXXX debt and any actions of collection was dismissed in the court of law and should not appear on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited an insurance settlement check from XXXX on XX/XX/2023 to my Wells Fargo checking account for {$2800.00}. I was told it would be on hold until XX/XX/XXXX pending verification of the availability of the funds. On the XXXX I was given an alert that the funds are not available due to either a problem with the check, insufficient funds or a canceled check. They told me to contact the issuer of the check. 

I did and XXXX confirms the check is valid. Wells Fargo then informed me that the maker of the check XXXX XXXX XXXXXXXX communicated to Wells Faro that there is a risk associated with the check and it has to be on hold until the XXXX to attempt again. However, they are not required to provide any details. My account at Wells has a " pledge '' placed on it by their Loss Prevention Department, as a result. 

XXXX XXXX XXXXXXXX will not provide me with any information that justifies their actions to refuse to fund this legitimate check. There is no problem with the check. Wells Fargo tells me that you are the regulating agency that I need to go to in order to hold the people who made this erroneous action accountable. I have spent a lot of time being given the run around by the banks who often hang up on me after a long wait, and then I have to start the process all over again. I want compensation if its proved they did this without a legitimate basis.

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 2022-07-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX - ACCOUNT NUMBER XXXX is reporting inaccurate information to my credit report. This violates my consumer rights under the Fair Credit Reporting Act 15 U.S.C. 1681, by which credit reporting agencies must report complete, verified, and accurate information. 

The above account is showing account closed on XX/XX/XXXX, Last Payment XX/XX/XXXX, and several payments, late payments, XXXX balance, etc... 
The information is inaccurate and should be deleted immediately. 

I have contacted creditor and credit bureau to delete the inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2020, after the first 15 years, my mortgage loan ( " balloon '' type ) reached their maturity status. According to the terms of the loan, 60 days before this date, the bank was supposed to send me a letter stating the options I had for the next 15 years. I did not received any letter from the bank regarding this matter. Since XX/XX/2020 I tried to connect with the proper division at FirstBank but not until XX/XX/2020 was I directed to the Loss Mitigation Division. 

My complaint is that the bank is not willing to accept the terms that were specified in the original loan to take place after the first 15 years. This is so according to the documents the bank send me after paying {$60.00} to get it ( I am submitting copies of these documents ). 

Before that an officer from First Bank responded in the following manner to my request : " I hope you are well, the case was consulted with our lawyer and since it is the case of the Firstbank portfolio, the case is worked differently than the case in XXXX XXXX, because that other loan is from a XXXX XXXX investor and they have a product to work with as a streamline. Now to work with the expired ballon you have with us, you must submit documentation to be reevaluated and let you know the new terms and conditions of the loan. '' This is different from what the original terms of the loan specified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/202XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX 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 explanation
Consumer complaint received 2022-07-08
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 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 stated a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18 Enhanced Recovery Company reported a debt of {$1200.00} owed for an XXXX XXXX XXXX creditor that is not mine. I have contacted both XXXX XXXX XXXX and Enhanced Recovery Company asking for the identification used to open this account and neither company has been able to provide that information because they do not have it and because it is not my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The loan was paid in full on or about XX/XX/19. There is a balance of escrow in the amount of XXXX due back. To this date the loan company HAS NOT refunded this amount, even after numerous phone calls to customer service/escrow dept.

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 2019-07-12
Company: Financial Credit Service, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Threateningtosendpeopletomyhome.
Scaretactics.
RepeatedphonecallsafterIaskedthemtostop.
Threateningtocontactmyemployer.
Theysaytheyarewiththecountycourt.

Company response to consumer: Closed with explanation