BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-11
Company: EQUIFAX, INC.
State: NE
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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 XX/XX/XXXX XX/XX/XXXX (now XX/XX/XXXX) did a hard inquiry through Capital One Auto Finance without my permission.On XX/XX/XXXX XXXX XXXX did a hard inquiry through Capital One Auto Finance without my permission.On XX/XX/XXXX XXXX XXXX XXXX  did a hard inquiry through Capital One Auto Finance without my permission.I have documentation from all three dealers to have these inquiries removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed on my home on XX/XX/2019 not long after closing I begin to receive phone calls text messages, and a email from the loan manager at U.S. Bank where I received my home loan. First I was told that they didn't know that the property was located in XX/XX/XXXX county, than I was told that the program IDA stopped offering assistance to XX/XX/XXXXcounty in XX/XX/XXXX of this year, but they will honor the {$7500.00} dollar down payment assistance that I received if I sign a new contract agree to all terms and conditions, but everyone has to agree. Then I received a message from the loan manager at U.S. Bank stating that if I don't call her they will be calling my loan which means they will require me to pay off the mortgage in full, because they don't have any legal documentation necessary to keep the loan intact. I asked the loan manager several times for the new contract, but was unsuccessful.

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 2021-04-11
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Unsure why I received a pre-paid mastercard. Never signed up for it. Tried contacting the XXXX number on the back of the card to get more information, but wants me to enter my SS and is all automated. Can't reach a live person to figure out how this happened. Checked my CR and no ID theft has occurred.

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 2018-10-02
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: Information belongs to someone else

Complaint:
On XX/XX/18, I contacted Equifax and requested that Equifax block a fraudulent account from XXXX XXXX XXXX pursuant to the section 605B of the FCRA. I attached an identity theft report naming the fraudulent account and a copy of my identification with my request. 

On XX/XX/18, Equifax denied my request to block the fraudulent account without a specified reason or good cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have multiple hard inquiries reporting on my credit report that were never authorized. I have disputed this information with TransUnion on several occasions including letters dated from : XX/XX/XXXX, XX/XX/XXXX, as well as over the phone with a representative. I have stated to TransUnion several times that there was no permissible purpose for these inquiries and yet they remain. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 US Code Section 1681b in general. Subject to subsection ( e ) 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. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I know that TransUnion is supposed to do their own investigation based off of my disputes which they have not done. Here are the inquiries that need to be removed : FACTUAL DATA Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX   Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/2019 XXXX Date of inquiry : XX/XX/XXXX XXXX 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 XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX   Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX   Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. s 1681I ) I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate the source of these inquiries, and not just tell me that they are verified. I have never received anything from TransUnion stating that this info has been verified or HOW it was verified.

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 2021-04-11
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 @ XXXX or XXXX XXXX  literally from one transaction to another chime bank closed my account without any notification! When I call the support number its states my account is closed or suspended and directs me to the email. Which I have been emailing since last night and only gotten some automated message back with no real response or resolu. tion!!! I just moved states and need my money ASAP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-11
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I am not sure why the CFPB  is in existence. 
This is merely a paper push cloud of a record. The CFPB and its contracted employees do not read the complaints. Only the bank I am filing the complaint has complete control over there lying and egregious behavior. 

I paid this loan off early and charged for doing that! When I made the last payment and logged in I was told to pay {$180.00} than the nerve of XXXX XXXX Just a lying unethical XXXX XXXX  I am going to report him to XXXX XXXX DC to every XXXX  so he is put on the radar and not do this to other people. 

Than the statement showed I short paid! Why would I short pay! Its absolutely absurd and dealing with XXXX  people who think its ok to lie and actually think they are going to get away with it. That is not going to happen XXXX XXXX is an XXXX who is XXXX  in a XXXX end job and has a personal vendetta against me. I am going to file legal against him for trying to charge fee, interest stating I short paid the loan and still not reporting my loan is paid in full at a zero balance. 

This person is going to take full accountability for his actions and what he did to me in the last three years. Total banking violations. 
I am mailed I paid off my loan but yet these XXXX  can not report its paid to all three credit bureau. I do not have a payment of {$220.00} or any other payment for that matter. This is a complete banking violation and once again filing another CFPB complaint. I am reporting to XXXX XXXX at the OCC and every other top official so TD and this person does not abuse anyone anymore or think they have power to extort fees, interest, lie about a short pay! XXXX XXXX I will make sure your name in the banking world is red flagged and you are put on complete radar with your egregious behavior. Shame on you.Your unprofessional, you lie right through your XXXX teeth. It will not be tolerated any longer. Your angry because your in a XXXX end job and TD Bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I did set up my account on XX/XX/2020 as an automatics payment. They sent me a confirmation email. The reason why I didn't that is because I was traveling a lot for a camping site where I didn't have internet all the time. So in XXXX a got an email from XXXX saying that my credit decreased and that I had late payment. I got in chock. I have been control all my account for my passed 4 year because I'm looking to buy a house. And I haven't delay any payment. I do have money on my bank account so I didn't need to delay any payment. I tried to contact the Wells Fargo and they told me that the account number I added to be the automatics payment were wrong. I asked them why they didn't call me, sent an email or mail telling me that the payment didn't went thru. They told wasn't they job to check on that. They stopped to sent email after the day I set up my account for AP. After all the conclusion that they couldn't help me I paid off my car and I don't want to have an account with them anymore in my life. But the 2 late payment in my credit report is blocking me to get a better mortgage. All my account are setting up automatic payment. The only one wasn't made my credit report bad.

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 2023-05-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-12-15
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.

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 2021-04-11
Company: EQUIFAX, INC.
State: WV
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:
After reviewing my reports i sent a letter to the reporting agencies and didnt receive anything back. They should have contacted me by now and since they didnt the law states that they have to remove everything i disputed. It is my hope that sending this notice of violating the laws will result in a fair result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Central Portfolio Control Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I provided my insurance information numerous times, the companyninformed me that the issue was resoled yet I'm still seeing this debt as unresolved on my credit. Also they have entered XXXX as the amount due which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: EQUIFAX, INC.
State: TN
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 XX/XX/2019 there was a collection added to my credit report by XXXX XXXX XXXX, XXXX, Tn. for {$1100.00}. This was not my bill, so I contacted the collection agency and asked them to remove this from my credit report. They did not remove this collection, but they decreased the amount to {$150.00}. I wrote to all three credit bureaus for dispute and investigation. XXXX XXXX and XXXX  removed the collection immediately. I did not hear back from Equifax, but I had assumed it was also removed. Equifax sent me a letter stating they would not remove the collection. Since I know this is not my collection, I wrote back and asked for a reconsideration and to provide proof that this account was mine or immediately remove the account. Equifax never got back to me and the collection remains to this day. 
I have been denied credit twice in the past few months and when I looked further, both denials were directly related to the collection activity on my Equifax report. This collection remains open on my credit report, and no statement of dispute. 
This collection should have been removed from Equifax a year ago, when the other credit bureaus removed the collection. I know it is not legal for a collection that is not mine, and there is obviously no evidence it was ever mine, to stay on a credit report. This has harmed me by getting credit denied and credit score lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Opportunity Fund
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I discovered that the lender added approximately {$1800.00} in unstated, unauthorized, and unwarranted, legal fees after I took out a loan with them. I contacted the lender and asked them to remove the fees.

I informed them that there wasn't any mention of said fees in my loan agreement. The lender could not identify any clause in the contract that outlined any such fees, and they refuse to remove them still. This is a violation of fiduciary duty, fraud, and predatory lending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In Transunion 's response to my CFPB complaint ( # XXXX ), Transunion claims to send a response to my disputes to an address where I no longer live, dated XX/XX/XXXX. Transunion further claims to have sent a request for verification of my current address XX/XX/XXXX. None of this makes sense in that I included a current utility bill, drivers license, and SSN card in my original dispute dated XX/XX/XXXX ( see enclosed ). This provides fulfillment of Transunion 's requirements to update my demographic info and process my dispute. 

It is odd that all 3 credit bureaus would've for various reasons fail to respond to disputes in concert. Transunion failed to respond after being provided with all the information necessary to process my disputes, in violation of FCRA rules.

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 2021-04-11
Company: EQUIFAX, INC.
State: UT
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My Identity was stolen in XXXX, and since then I have been through an uphill battle with getting these fraudulent accounts removed from my credit. I hired an attorney, I have notified the Pennsylvania XXXX police where incident occurred, and I had reported every incident to the Federal Trade Commission. Both XXXX and XXXX has been very supportive about this situation. However, Equifax had removed some of the newer accounts that posted, except one. That account is XXXX XXXX, below : XXXX XXXX, XXXX Account Number- XXXX Account Balance- {$2400.00} Date Opened- XX/XX/XXXX I disputed this account 3 times with them totaling 4 months, and they conclude their investigation stating that I own the account ( 3 times ). This is a fraudulent account, and they refuse to remove it which is a violation of section 607 ( b ) and 605 ( B ) of the Fair Credit Reporting Act. They did not provide any proof to me, and they do not have any claim or reason under 15 U.S.C. 1681c-2. I will soon be forced to bring my own civil action against this company if it can not be resolved.

Company response to consumer: Closed with explanation