BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
Company: Village Capital & Investment LLC
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX with Village Capital contacted me in XX/XX/XXXX and requested that I submit an application to refinance my VA loan to a Conventional Loan. I provided all financial documentation to XXXX XXXX and the loan assist team via email. 

XXXX XXXX stated after 20 days of reviewing financial information and submitting me a written quote stated that due to underwriting review process that my loan application was declined for cash -out refinance of 80 % which would payoff current debt. 

As of this month I do not have access to make an online payment. I am able to access my account information, but not able to make a payment which has caused my payment to exceed the 15 day monthly grace period. 

I feel that this is a deceptive practice that lead clients to believe that a loan product is available to decrease debt to income ratio by consolidation through a cash out refinance loan product. 

This is the ( 2nd ) instance in working with XXXX XXXX that has made it difficult and XXXX  through suffering when his instructions has caused a late payment to reflect on my credit report in XXXX and now continuous contacting me to submit more documentation and loosing a locked in rate with XXXX XXXX XXXX all to say " due to an underwriting error we can not proceed with your loan '' I never received a letter for Village Capital declining my loan application or any other documentation in the mail or email. I only received this information from XXXX XXXX over the phone when I contacted him to provide me the status of my loan application. 

I provided XXXX XXXX a copy of my appraisal I recently purchased for a loan refinance I was going to proceed with for XXXX XXXX XXXX and he stated he wanted top keep my business and that Village Capital could do a cash-out refinance and convert my VA loan to a Conventional loan in the process. 

I provided XXXX XXXX and the loan assist team with my annual income of $ XXXX Wife $ XXXX yr XXXX 's for last 2 years and Tax Returns ( 2 Yrs ), and Rental Income {$1600.00} XXXX Proof and Bank Statements to reflect all income listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: PA
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 reached out to XXXX and Equifax regarding fraudulent credit inquires on my report and both companies told me that it was nothing they can do, even tho i have a fraud alert on my credit file with both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
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 made a mistake on a bill pay for my Bank of America credit card. I accidentally paid a payment of {$100000.00} instead of {$1000.00} on XX/XX/2023. My credit limit is only XXXX. I don't know why they even accepted such a large payment considering I do not have that high of a credit limit. The froze my payment because they said it was fraud. They also froze my credit card. They said it would take 10 days to release the money and transfer the money back to my bank account. I called today and they said it will take 5 more days. Please help me get my money back into my account so I can pay personal bills.

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 2022-09-23
Company: United Shore Financial Services, LLC
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:
United Wholesale Mortgage is mistakenly reporting me late. It has been over 60-days since I have been trying to resolve this issue with no success due to United Wholesale Mortgage lack of correction. I recently spoke with multiple representatives at United Wholesale Mortgage and they all agreed with me and even stated that they had notes on file regarding this situation. I called to update my auto pay back in XXXX 2021. The rep at the time did NOT inform me that a manual payment was required before my newly set up autopay would kick in. For this reason, I was assessed a late on my mortgage. Once I found out, I satisfied my obligation right away. I had full intent and even set up auto pay with the rep. I completely understand that it was an honest mistake by the rep but I shouldn't be punished for that mistake. I kindly ask for United Wholesale Mortgage to rectify the late payment XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Upon submitting my application for a home loan on XX/XX/XXXX, I noticed that my identity had been compromised and that several unknown accounts have been established under my name and social. 

So on XX/XX/XXXX I decided to contact the local police station and filed an Identity Report listing each company as follows : XXXX XX/XX/XXXX {$5700.00}, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$4700.00}, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX {$480.00}, XXXX XXXX XXXX XX/XX/XXXX {$930.00}, XXXX XXXX XXXX XX/XX/XXXX {$710.00} and XXXX XXXX XXXX XX/XX/XXXX. 

On XX/XX/XXXX, XXXX/XXXX and XX/XX/XXXX I've sent dispute letters to Experian, XXXX and XXXX along with Identity Report as well as reach out to the above creditors and nothing has been resolved. As a result I can't purchase a home or establish new credit.

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 2022-12-05
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capio is a bottom feeder collection agency that buys debt that was already proven not to be yours & they buy it with hope of bullying you into paying a debt that you do not owe. I was contacted by Capio XXXX XXXX about a hospital bill that I did not owe. The previous company that had this debt XXXX soloution was sent information from both my XXXX XXXX company Primary & Secondary that proves I have no outstanding bills or outstanding co payments. The then sold it to another company because they couldnt collect on it. I wrote a letter to then stating that I dont owe any outstanding hospital bill & they reply that they have close that account & return to client. 

Being the desperate company that Capio is they wrote me another letter XXXX XXXX Stating that I owe another bill for a different amount {$200.00} I then contact both Insurance company again & They contact the hospital that are stating the bill generated from & was proven I owe no hospital bill from the date they are stating. I wrote a reply certified letter after our investigation on XX/XX/2022 I ask the company if I owe them please provide me with the original bill & a breakdown of how they came up the the amount that they are claiming I owe them. Anyone can write a letter with an amount on the company letter head saying that someone owe them but the much provide supporting documentation. The company did not reply to my letter for validation of the debt. What they did was put it on my credit with no proof of me owning the hospital bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: Southwest Credit Systems, L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
my father used my information when I was a child and I am in debt of {$490.00} with XXXX. I apparently opened an account with them in 2019. I called the company and they said they can not do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The sports betting website XXXX XXXX fraudulently charged my card for {$1500.00} on XX/XX/XXXX. I contacted Bank of America within a day of the charge being made, and in the two weeks following my initial dispute of the charge I called two additional times as the claim was being reviewed ; each time, representatives assured me that Bank of America would resolve my claim, and I would receive the {$1500.00} within 24-72 hours, and this was a lie, as they denied my claim. I have never in my past spending history spent any money on sports betting, which Bank of America would have realized if they properly researched my account history, which again indicates that this charge is fraudulent. My account only had around {$1800.00} at the time of this purchase, so the the {$1500.00} charge drained my account almost completely of its funds. Furthermore, after reading Bank of America 's claims decisions it seems they had not properly contacted XXXX XXXX to get information regarding this fraudulent purchase, or traced the IP address of the purchaser.

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 2022-07-04
Company: EQUIFAX, INC.
State: IL
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:
I looked at my recent credit report and found 20+ many unauthorized inquiries on the report!! I tried to dispute them with creditors but they just sent me to deal with the credit bureaus and the credit bureaus have refused to help me when I requested. The following inquires were not authorized by me : XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to 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, IN XXXX, XXXX XXXX Account : XXXX, XXXX XXXX Account : XXXXXXXX XXXX XXXX Account : XXXX, 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 : 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 with 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: AMALGAMATED TOKEN SERVICES, INC.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
The coinlist site blocked my account without any explanation. there was a certain amount of money on the account, which is already several times less for the day because of the exchange rate. also because of this blocking, my XXXX coins burned out without the right to recover. every time I wrote to support of this site, the robot answered me that my account is checking. I've been blocked there for 6 months since XXXX. I don't need this account as I have lost all trust in Coinlist.co, but I want at least my remaining money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: MD
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:
15 USC 1681 ( a ) ( 4 ) states I have a right to privacy. Experian violated this right when they provided my consumer report to XXXX XXXX XXXX on XX/XX/2022 without my authorization. Furthermore, I have a freeze on my consumer report which means you violated 15 USC 1681c-1 when you provided my consumer report to XXXX XXXX XXXX XXXX Experians negligence has caused me severe damage. 15 USC 1681o makes you liable for damages caused by your negligence. I am requesting monetary relief in the amount of {$2000.00}.

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 2022-06-08
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is the only correct address that should be listed on my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ky XXXX Also my correct name spelling is XXXX XXXX XXXX this is the only correct name that should be listed on my Credit Report I have no other variations of a name.. Also I have only one phone number XXXX I have provided complete documentation to the Credit Bureau 's on multiple occasions by Certified mail and still they have not corrected the Personal 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 2023-08-23
Company: EQUIFAX, INC.
State: NC
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 had one open credit card with XXXX XXXXXXXX XXXX for which my online account was set up with automatic payments of the minimum payment monthly. In XXXX, XXXX, I was offered another credit card and a new account was opened and added to my existing account with auto pay. I didn't use this card at all for the first few months but was being charged a XXXX XXXX  monthly fee. By XX/XX/XXXX, I got an alert that my payment was past due. When I contacted XXXX, they said that they made a business decision to do away with offering automatic payments for clients, but that those who had auto payments already established were grandfathered in. 

My new card was added to my existing online account and I under the impression that auto payments were also applied to my new card. I disputed this 30 day late notice on my credit report through XXXX, but it's still showing up on my credit reports as 30 days past due which has negatively impacted my ability to obtain a XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: SC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
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:
It appears someone in XXXX, Florida ( where I have never lived, owned, or rented property ) may be using or have accounts in collections that are being reported on my credit report. I've disputed the associated address, the related collections ( rent, utilities, etc. ). I submitted these to XXXX, XXXX, and Equifax. 

However, the responses are not actually processing the dispute. Instead, they are merely " correcting '' the address but even that " correction '' is the exact same address in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
XXXX accordance with the fair credit reporting act XXXX account XXXX XXXX and capital one auto 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. 166b A Creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting Act. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 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 U S DEPT OF EDUCATION 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 XXXXXXXX 15 USC 1681 Section 602A states I have the right to privacy.

15 USC 1681 Section 604 a section 2 it also states a consumer reporting agency can not furnish account without my written instruction.

15 USC 1681 ( c ) ( 5 ) Section states no consumer credit reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than recorded conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has knowledgeable calls to believe the information is in accurate.

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 2022-07-04
Company: CarMax, 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: Account information incorrect

Complaint:
XXXX accordance with the fair credit reporting act XXXX  account carmax auto and 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. 166b A Creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XX/XX/2022 Bank Of America Credit Card account opened, not by me I did not apply for nor ask for an account I called them and they closed the account Said the account was being monitored from XXXX, PA I do not live there. 

I contacted the 3 Credit bureaus and locked my credit.

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