BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: IL
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 sent out letters to XXXX, Equifax and XXXX about removing this charge off from XXXX XXXX in the amount of {$11000.00}. I was told that all the information was verified. Which isn't true because the amounts and dates are are all different. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: BBVA 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:
Credit card is issued by BBVA Compass. 

In XX/XX/2019, I made online payment in amount of {$300.00}. BBVA debited my checking account electronically on XX/XX/2019 for the amount. On XX/XX/2019, BBVA electronically debited again in the same amount, {$300.00}, from my checking account, which I did not authorize. 

I immediately contacted BBVA and complained. BBVA service person stated BBVA would not allow electronic refund, and BBVA would mail a refund check which would take two weeks. It took twenty days for me to get the money back. 

In XX/XX/2019, I made online payment in amount of {$570.00}. BBVA debited my checking account electronically on XX/XX/2019. On XX/XX/2019, BBVA electronically debited again in the same amount, XXXX, from my checking account, which I did not authorize. 

On XX/XX/2019, I noticed the second unauthorized payment and contacted BBVA. BBVA service representative, XXXX, was unable to explain why this happened, and again BBVA would send refund check via mail which would take two weeks. I talked to XXXX 's, supervisor, XXXX ( XXXX ). XXXX was unable to explain why my checking account was debited twice. XXXX stated BBVA would  not refund electronically and insisted I accept the refund check via mail, which would take two weeks. It took considerable amount of time and arguing on my part to have XXXX to make a request an electronic refund to my checking account. XXXX did not know if her BBVA supervisors would accept her request for electronic refund, and if BBVA does not accept her request, I would receive refund check via mail in two weeks.

I believe BBVA is negligent in handling and managing account transactions, BBVA did not know why my account was debited twice, and BBVA did not offer a reasonable resolution. BBVA, while service representatives were cordial and polite, did not care for its customer 's financial wellness. BBVA caused the problem but refused to make reasonable resolution nor assume responsibility. BBVA 's manner of running its business was reckless and irresponsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received multiple letters from Convergent Outsoucing asking me to pay a debt from a company ( XXXX ) with whom I have never done any business. Convergent stated that if I paid the debt, they would be willing to satisfy your account in full for 65 % of your total balance. I assumed it was a scam with the first letter ( and destroyed it ). With the second letter I contacted convergent but they kept passing me from one operator to another with long wait times between. No one would address me with the issue.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act 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. states a Consumer reporting agency can not furnish a account without my written instruction. 

BELOW is all the accounts I need removed please ALSO please remove ALL HARD inquires I will list them here also. 

Account XXXX XXXX XXXXXXXX XXXX # XXXX Balance {$560.00} XXXX XXXX XXXXXXXX Balance {$14000.00} XXXX XXXX XXXX # XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Balance {$140.00}

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 2022-12-02
Company: EQUIFAX, INC.
State: CO
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 would like all of my unauthorized inquiries, my derogatory remarks, late payments, public records, closed accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, Title X, 124 Stat, 2092 ( 2010 ) Fair Credit reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$820.00} XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX   XXXX {$100.00} XXXX XXXXXXXX {$7700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, {$500.00} was withdrawn fraudulently from my account using XXXX to transfer to another bank. I called the bank within 15 or 20 minutes after that occurred and reported this issue. They shouldve done something immediately but told me they had to file a report and a complaint. They said this could take up to 45 days to resolve. I found that extremely unusual since it was stolen by a thief. I called several times between XX/XX/XXXX and yesterday and just got the same runaround from everyone that I spoke with. They stated that they were working on it and it could take up to 45 days. My last phone call was yesterday XX/XX/XXXX. I spoke to XXXX. He told me they needed more days because They could not get it resolved yet. I asked them why it was taking so long. He said they had to get permission from the receiving bank and the person who stole my money To give it back. I thought that was very odd since the person fraudulently withdrew it from my account. Ive been with Bank of America for 37+ years. Im very disappointed with how they handle customer satisfaction.

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: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX  Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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.

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 2018-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I normally never call the bank with any issues. I had a terrible experience with my card declining and I had to leave the store. When I called I was told I would need to speak to the Account Services Department. I waited 1 hour and 20 min to speak to an agent, just to be transferred to another agent. That is unacceptable and I am reconsidering my relationship with this institution. I spoke to 4 useless agents and my debit card is still declining all my transactions. I ended up sending money via XXXX to another account I have and will ultimately change my direct deposit and close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: OH
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 is an account listed on my credit report as " XXXX XXXX '' that had a balance of {$4900.00}. I disputed this account with 4 major credit bureaus. Two of the credit bureaus lowered the balance to {$4600.00} while other credit bureaus removed the account. Evidence from court records shows that the balance is {$3200.00} and that I am not the responsible party for this account. However, XXXX  and Equifax are reporting a fraudulent balance and information on my credit report, damaging my credit and ability to obtain financing. XXXX  claims that results are certified from lender. That is a fraudulent certification. The city of XXXX ( Ohio ) is a local government in the United States of America. Their records and legal ruling in the USA take precedence over any records provided by a private organization. Please see enclosed evidence which proves account status is closed, the balance is {$3200.00}, payments from XX/XX/2020 thru XX/XX/2020, and that I am NOT the responsible party. Meanwhile, the credit report shows a balance of {$4600.00}, missed payments from XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. Obviously, this is a major violation of the Fair Credit Reporting Act. In order to comply with federal law, it must be removed since I am not the responsible party and the account information is not confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint mortgage servicing is charging for late fees and other charges they made up stolen from me they keep sending les and charges they keep making up since they got this account 3 mounts ago I called costumer services and they dont know where the charges comes from they say they got this account not long ago and they dont know where it comes from but now they charging late fee for it now Im supposed to be in called loan modification they taken advantage of harass me and making my life a living XXXX this is a fraudulent company trying to XXXX people only because XXXX XXXX XXXX can do it now they have this corrupted company trying to do it I send my payments the fist day of the XXXX but they keep charging for a late fee in my first complaint I asked to tell me what XXXX I owed them but the dont say or send me any thing that explains where In shore or may missing 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 2019-06-25
Company: EQUIFAX, INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After looking at my credit report, I found late payments that are not accurate. Please remove these errors as it is impeding my ability to do business and grow. I address this in the past with a rep regarding the billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
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:
EXPERIAN HAS SOME ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE AND IN VIOLATION OF THE FCRA. 
ACCOUNTS- XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX   XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX  XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX0NOT MINE XXXX XXXX XXXXNOT MINE XXXX  XXXX  XXXX  XXXXNOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Experian Information Solutions Inc.
State: MO
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/XXXX I sent a dispute to Experian to ensure compliance on 4 items on my credit report. On XX/XX/XXXX I received a response stating the items were updated or remains. On XX/XX/XXXX I mailed a request to Experian asserting my rights under the FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Experian in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). 
To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
Today XXXX XX/XX/XXXX ) I received new " dispute results '' from Experian just stating the items remain or were updated so the actual request was ignored and they just opened a new dispute instead of providing the information under FCRA 611. Since Experian did not comply with this request within the time frame allotted they need to delete the disputed accounts.

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 2018-10-27
Company: HEARTLAND PAYMENT SYSTEMS INC
State: LA
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:
Information is incorrect. Never have gotten any loans or anything put into my name. Someone must have used my social security number. The only thing that is correct is the information from the XXXX hospital but I have Medicaid so there shouldn't be any payments i have to pay. My Medicaid should have taken care of that so that information is also false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Cascade CISS Holdings, LLC
State: FL
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 have unauthorized credit inquires on my credit reports for XXXX and XXXX. I called both bureaus as and creditors and they said to file report with FTC and the FTC directed me to CFPB. consumer protection 15 USC 1682 ( b ). Please remove immediately! These are fraudulent XXXX inquiries Xactus LLC XX/XX/XXXX XXXX XXXX XXXX XXXX  XactusXXXX XXXX XXXX XXXX XXXX Xactus LLC XX/XX/ Xactus LLC XX/XX/ Xactus LLC XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX Account # XXXX is reporting blatant inaccurate, inconsistencies on my report and according to the FCRA Statutes 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report.

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 2022-01-07
Company: EQUIFAX, INC.
State: NJ
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:
I have sent several letters stating my rights as a consumer with the law under 15 US Code 1618b for permissible purpose I did not give consent to have this report my account and the credit reporting agency has yet to fail to comply with my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: BlueChip Financial
State: AL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Took out a payday loan from Spotloans for XXXX Paid XXXX per month sand still owe XXXX and then come to find out that they are illegal in Alabama

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My savings account was removed from view when I logged onto my Chase account. 
The funds are still there but I can do ( or see ) nothing online. 
Two calls and two hours of discussion with reps in the XXXX bore no fruit. A supervisor, XXXX XXXX was particularly unhelpful and dismissive. 

Chase ' insistence is that I appear at some ( unspecified ) branch and there alone can the problem Chase created be remedied. Be it known that 2 weeks ago I could see everything online. I'm told that for unknown reasons my name was stripped from the account, thus stripped from online access. Nothing else about the account changed and the foreign phone clerks say that can not re-enter the name onto the account, nor can anyone in the United States unless I make a personal appearance at some ( unspecified ) branch. 

This is unacceptable to be put out like this when the error was clearly Chase 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Wells Fargo is the financial institution that handles the student loan. I have paid on student loans since XX/XX/XXXX. Most of money goes to interest, fees, late charges, and other charges that I can not account for. The loan was variable a variable interest rate. I was cosigner. I have removed my son from the loan and refinanced the note in XX/XX/XXXX. The balance was XXXX with a fixed rate of 7.24 %. My monthly payments are XXXX. I have always said with XXXX and Wells Fargo, this is predatory lending at its best. Thousands of dollars have been paid towards the loans. After 5 payments totaling XXXX, the balance has gone down {$400.00}. This is not counting the interest and fees added on since XX/XX/XXXX, so I have made no progress at all. It is never ending. I have informed Wells Fargo that even though I have -0- ZERO late marks on my credit report, I am ready to default on this loan as they have drained me dry. I am XXXX years old and can not continue to give these crooks another dime. They are awful, just like XXXX. Why can't the government step in and stop this practice. I have credit cards with higher interest rates and I can always see a reduced balance when I make payments. When I pay my auto loan, which is a fixed rate, I see the balance go down. Same as my mortgage. Why is it different with student loans. You never see any progress.

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 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE DISPUTED THESE ITEMS THEY HAVE NOT REMOVED THEM YET

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