BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Today ( XXXX ) I was denied opening a checking account at XXXX Bank XXXX XXXX XXXX, the account XXXX told me to contact Equifax about the problem. 
I did it the right way, I wasn't able to receive proper information from Equifax about the problem, and why I was denied opening an account with XXXXXXXX XXXX because of their report. 
The Online report does not show any remarks or information about it. and the agent was not able to clarify the reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
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:
On XX/XX/2021 I sent out papers to the 2 credit bureaus ( XXXX XXXX Equifax ) telling them that there was wrong information reporting in my credit report and asking can they send me proof of the inquirys .It has been more than 30 days and I still havent received anything from them at all. So I sent out even more letters this XX/XX/2021 and still received no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: DISCOVER BANK
State: NJ
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:
I have contacted the company several times as well as the three major credit bureaus because the account was opened fraudulently, either by relative or stranger. I understand that my social security number and address was used to open the account. However, I've never signed any agreements with this company in order to open a credit card account. This was done so without my permission. I am a victim of identity theft and it has been a very long and depressing process trying to have fraudulent accounts removed. I have taken action by filing a police report with my local police department and having it sent to the credit bureaus. Additionally, I have locked and added fraud alerts to my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-26
Company: Aspen Yo LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First i want t say thank you guys for your help in the past i am not late and yes pay on time this mortage company Gregory Funding continues to raise our mortgage payment this has been the third time i have complaint to you guys about this mortgage company and they continue to do this to me i work hard and i have to pay other bills to make it in life my previous payment was XXXX now its gone up to XXXX i really can not pay the extra money keeping in mind i dont get it when i pay the home mortgage myself were is all the money going please help me thanks XXXX i really could use some legal help i really believe there is something wrong with this ive been dealing with this for years thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: EQUIFAX, INC.
State: MI
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 am a victim of fraud and was notified about accounts being opened with my information. I contacted the companies to get the matter resolved and XXXX XXXX is still saying that the bill is mine. I filed a police report for identity theft and sent the information to all the credit bureaus. I have been unsuccessful in speaking with XXXX XXXX and all I would like for the account to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I do NOT bank with BB & T bank and I got notices in the mail on XXXX that " I '' opened a checking AND savings account and I also denied overdraft for these accounts. I called them on XX/XX/XXXX when I got more notices from them about the same accounts I did not open ( with my name but incorrect address ) she told me that she was noting them as a fraud accounts and that they were blocked as identity theft. Then I got the debit card for the account in the mail. so I drove to XXXX PA and went IN the actual bank to report it and ask to get it taken care of. The lady in charge was VERY RUDE and told me that they opened HUNDREDS of online accounts and that they knew about them and were looking into them. I said well are you taking care of it or what? she said YOU better deal with YOUR social security number because they HAVE IT and they are using it. I said I ALREADY DID I called the XXXX and put a lock on all my credit. with all 3 credit companies. then I get letters on XX/XX/XXXX telling me there is a XXXX on the account and XX/XX/XXXX telling me I have a XXXX and there is a XXXX and a XXXX on the account. then on XX/XX/XXXX letter telling me that i need to deal with my overdraft of XXXX or they are closing my accounts and reporting me to XXXX. Then on XX/XX/XXXX i get a statement from Truist ( they now own BB & T ) telling me I still have a XXXX balance. and now on XX/XX/XXXX I get a letter form Truist telling me that the account is closed and XXXX is now reported to XXXX and I need to pay it asap. what happened to reporting it as fraud and taking care of it for me????? it seems to me they did NOTHING about these accounts that were open in my name and there only goal is to ruin my credit even more. I just got off the phone with their recovery dept and they sent me to claims and that lady told me there was nothing she could do for me and that she was clueless as to how long it takes for fraud cases to go through and be notified and there was NOTHING she could do for me. they ARE USESLESS. she told me i was NOT a client of theirs and that she could nto help me!!! really I have 2 FRAUD accounts in my name with YOUR bank that I do NOT want and I am NOT a client that you can HELP.

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 2022-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022 I sent in a Tender for Payment using a coupon or whats known as a Negotiable Instrument. This instrument was signed and endorsed according to Uniform Commercial Code 3-603. I stated in the letter attached to the payment that if the tender was rejected, to please send it back and I would supply another form of payment. Instead of acting in good faith, Capital One closed my account and gave a very vague reason as to why. They also did not mail back my tender for payment. since the Tender for payment was not given back to me, to my knowledge is has been accepted, Therefore i would the amount tendered to be credited to my account as well as reopening my account or a new one. 

On XXXX, XXXX 2022 is sent out a Opportunity to Cure Tender for payment letter which they still have not replied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Transunion is violating my rights per the Fair Credit Reporting Act ( FCRA ) because they have not validated the debts they reporting. I numbered some Transunion credit reports to refer to in this complaint. 

1. I have sent several letters to Transunion ( four are attached to this complaint ) highlighted yellow requesting them to sent requested information ( a description of how the reinvestigation was conducted along with the business name, employee name, address, and phone number of the furnished of the disputed information, so I can follow up with them ) in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VL, Section 611, Subsection A-D. Transunion have never send me the requested information. I am requesting validation not verification. Please send validation of these debts 2. They took over 60 days to complete the investigation because they never sent out the information requested after the investigation per the FCRA.

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 2023-06-24
Company: Velocity Portfolio Group
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:
Velocity Investments has been coming after me for years about a debt for XXXX XXXX XXXX, I do not know who this person is and have told this company multiple times that this debt is not mine. Velocity has not helped me in any way to resolve this issue nor have they furninshed any type of paperwork that shows I am responsible for this debt. My name is XXXX XXXX XXXX, velocity amends their paperwork to show this debt under my legal name instead of seeking out the XXXX XXXX XXXX that owes this debt.

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 2022-04-18
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX  Account # XXXX, have violated my rights. 

15 U.S.C 1681 Section 602 A states : I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 states : A consumer reporting agency can not furnish an account without my written instruction.

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 2021-11-03
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the Chase Amazon credit card. They required income verification. I spoke with Chase and sent via docu-sign my W-2. Chase declined my application. I contacted them. They said they were looking for unemployment income verification - I have never been unemployed. I re-explained and was supposed to receive a second docu-sign link. Never received it. Called them again and was bounced around 6 different " teams. '' All with waiting times. I filed a complained with XXXX  on XX/XX/21. Chase reached out to me and was unable to find my application based on my social security number - I did not have the " reference '' number on their original request for additional information.

A few days/a week or so later, I was told that my W2 showed income {$1000.00} higher than what I put on my application and since the amounts didn't match, they denied my application; this is odd, as they " couldn't find it before, '' and never even gave me an opportunity to increase the income noted on my application. They then said too much time had passed and I would have to " re-apply '' for them to consider anything again. They never gave me an opportunity to correct that figure. In fact, my income was under-stated which seems like less of a reason to deny an application. Chase called me today, XX/XX/21 after I tried to initiate arbitration with XXXX  and they pretty much just told me that they're not doing anything since too much time has passed, but I can be " re-directed '' to the lending " team. '' I have never been required to have W-2 income match any credit cared application I have submitted to the XXXX. This seems like an abusive practice to lure in lower income people less able to pay their credit card bills ( I have never made a late payment on any credit card and pay my balances every month on all but one ) so they can get their interest payments from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I went to use my Amazon Chase Credit card for an online purchase on XX/XX/XXXX, and my purchase was declined. I tried to make the purchase again using my XXXX Chase credit card and it was again declined. I called Customer Service and was told that the reason my purchase was declined was because my cards had been closed as a bank decision. When I asked why, I was told that it was due to payments being returned on my Southwest card earlier in XX/XX/XXXX. I explained to the customer service rep that I had mistakenly entered the wrong account number and the wrong routing number, as I was paying out of a new checking account. I had called in XXXX to let Chase know that I had made a mistake, and I was told that everything was fine and not to worry about it. I was told that I could even call in and have any fees waived for these returned payments. I however did not have those fees waived, and paid them in full. My payment went through once I corrected my error, and my card was paid in full. I continued to use my card and make payments without a problem. I was also confused because there was not a single problem on my Amazon Chase card, but that one was closed as well. The customer service rep told me there was nothing she could do, and told me that there was not a single supervisor on duty due to COVID-19. I then wrote an email to the executive office on XX/XX/XXXX asking for someone to look into this and to reach out to me. Someone from the executive office did reach out to me on XX/XX/XXXX, and told me they were reviewing my account and would get back to me. It is now XX/XX/XXXX, and I still have not heard a single thing from Chase Bank. They closed my two largest credit cards in the middle of a pandemic, with no regard to how this could be affecting me and my credit. I would like to hear from someone to get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
In accordance with 12 CFR 1026.15 ( a ) & ( b ) I, XXXX XXXX XXXX, the consumer, have the Right of Recission and I have the right to be notified of my Right to Rescind said contract with TITLEMAX/TMX FINANCE. Neither of which were notified to or acknowledged by me, the consumer, via writing through mail or signed wavering Rights within the XXXX XXXX of the initial paper contract of XX/XX/2021 all the way through the virtual renewals when payment was rendered amid XXXX XXXX of contract longevity. This letter serves as notice to all parties involved in my Right to Rescind the current contract that I, the consumer, have with TITLEMAX/TMX FINANCE made current as to the day of this letter. I, the consumer, motion to Recission in the sense of Terminating/Rescind the contract due to non-notification of Rite of Recission and vitiating factors of misrepresentation and undue influence tactics of CHARGES and FEES for the duration of said contract. I, the consumer, was not properly informed that the monthly payment amount of $ XXXX would not go towards the amount borrowed ( Roughly {$1900.00} ) and was essentially considered a GIFT for renewing the contract and I, the consumer, was not informed of the daily interest that accrues past the payment date. All to which Violates my RIGHTS as a consumer and The Truth in Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2021-05-24
Company: EQUIFAX, INC.
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:
On XX/XX/XXXX an collections account from XXXX XXXX XXXX for XXXX appeared on my credit report. I have disputed this account with Equifax multiple times once on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX every time it came back verified. How can it be verified when the information isnt accurate they have my first date of delinquency as XX/XX/XXXX but, the original creditor XXXX XXXX confirmed my first date of delinquency as XX/XX/XXXX. Even if you add 180 days from that date you still dont get XX/XX/XXXX witch means my rights were violated. So Im asking that the account be deleted three times the account came back verified but its inaccurate I never got any notice at all I had to go look and call for myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
the accounts in question were found on my most recent credit report where i found them reporting incorrectly : XXXX XXXX Account # XXXX Date Opened XXXXXXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX Date Opened XXXXXXXX XXXX XXXX Balance {$3300.00} XXXX XXXXXXXX XXXX XXXXXXXX, MAXXXX By mail Only XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX Date Opened XXXXXXXX XXXX XXXX Balance {$930.00} XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX XXXX, MAXXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX Date Opened XXXX  Balance {$650.00} XXXX XXXX XXXX XXXX, TX 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 2020-09-24
Company: Experian Information Solutions 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:
I did Not give anyone permission to open any of these Account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: INTERFIRST MORTGAGE COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was approved on XX/XX/2022 for XXXX for 6 month forward Payments, starting XX/XX/2022 .My Mortgage Company is Interfirst the monthly Mortgage is {$1000.00}. I emailed the award letter to Interfirst on XXXX and XX/XX/2022 I also faxed it on XX/XX/2022 and they state they never received it. As of today the Mortgage Payment has not been applied to my account. When I call XXXX XXXX they say the payment was sent out on XX/XX/2022 and the mortgage company is saying they didn't receive it. I emailed my Case worker and never got a response from him either and the Escalation department from XXXX XXXX never reached out to me either. So my mortgage Company want 's proof from XXXX XXXX that the payment was mailed out. Please look into this. 
Thank you 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 2023-05-18
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Cant get credit report scores and they did not fix violations to your consumer statues and of congress XXXX equifax and XXXX equifax gave me a D on business credit and XXXX and XXXX has me at A discrimination

Company response to consumer: Closed with explanation