BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: TN
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:
CFPB Write up n 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 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX - Opened XXXX {$220.00} XXXX XXXX XXXX Opened XXXX {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/XXXX, after obtaining reports from both XXXX and XXXX through the XXXX website, I went to continue to the Equifax website, which began as the others did with a battery of four questions. After answering them, I was presented with a " Equifax can not provide your score online '' manure page, which directed me to try to obtain my credit report through the mail. Equifax 's website offered no reason for this, and no apparent recourse. Its support page lists phone numbers to call for the stated purposes of " Becoming a Business Customer, '' " Opting out of Mailing Lists, '' " Dispute information in my credit report, '' " Denied credit or entitled to a free report? '' and " Place a fraud alert on my credit report, '' and NO page for " Questions, '' " Concerns, '' or " Issues,  '' or any combination of the three. Frustrated, I called the line under " Entitled to a free report '' to be put through their automated line. 3:30 seconds later, after going again through the prompts, and dodging the consistent advertising to pay for my credit score, I have been told, again, with no reason as to why, that despite the fact I went through this saying " Free '' ( the option for getting your report under the FACT act ) I still had " no discount applied to this selection '' when simply trying to get my free disclosure. Equifax, intentionally or not, is in fact obfuscating consumer rights and their own website in such a way that it is illegal, time consuming, and extremely disheartening. In doing so they cause harm to people with little and no money who are trying to clear any potential obstacles to success by cheating them first of their time, then their mandated free reports, and finally they are stealing the money from the consumer that has no choice but to obtain their credit report. They also very clearly violate federal law by withholding a mandated free credit report, and charging for it despite the mandate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I recently looked at my credit reports and noticed that XXXX XXXX XXXX XXXX XXXX XXXX reported negative marks Paid, was past due 30,60 days on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Santander Consumer USA Holdings Inc.
State: NY
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:
XX/XX/2014 {$25000.00} No action/ try to contact the company for further investigation nothing was done

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am not aware of this company or how it gained access to my credit report without my consent on two separate occasions Ally financial XX/XX/20 Ally financial XX/XX/20

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 2017-06-28
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA COLLECTIONS COMPANY has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send statements. Send my actual signature on a contract. As this debt is Not mine. <P/>Sent XXXX, XXXX, and XXXX a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. XXXX, XXXX, and XXXX has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
chapter XXXX bankruptcy listed on my credit file was disputed by me. Transunion claimed to have verified the listing. I asked by who was the information verified by, got no response. It is the united states bankruptcy '' s court policy not to verify any information for a third party including credit bureaus.

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 2022-06-11
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i had an insurance with XXXX. i paid the policy in total upfront. nearing the end of the policy term they increased the policy rate so i asked them not to renew because the price was high. they assured me on the phone that there is XXXX balance left because i paid in total already for the current policy and they will not renew the policy anymore because i ask to. i moved from the address on the expired policy to new address and updated my adress on all of my credit cards and bank accounts on XXXX XXXX they never send any letters to my new address. after 6 month i see a deragatory mark for XXXX $ on my credit!!!! i didnt even know what it was. called the XXXX they said it was some discount removal! i didnt receive any letter or any call from the collection agency or the XXXX about that debt. and on XXXX that i called them they confirmed on the phone that there was no balance due. this is a deceptive way to ruin somebody's credit for XXXX $ after the fact that they told me i have XXXX balance due. XXXX said that they dont call me they just send emails. i updated my

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: CITIBANK, N.A.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In 2009 we owned 5 parcels of land, we pay all taxes our selves. XXXX took it upon themselves to pay taxes on a parcel that was not a parcel with their mortgage. We sent them a letter explaining what they had done. We received a letter of apology from them. Also a letter from them they received a refund from our tax office, that they received a refund. We have called them repeatedly for years and they keep turning in late payments to credit bureaus. Also letters stating they will foreclose for non-payment. They are charging my scheduled house payment, ( XXXX dollars ) to XXXX dollars a month for nothing. We have always payed our land taxes and our home insurance. We have never been late on our payment. I have requested a mediator from them to fix this they only ignore my request! I do have all documents we have sent and received.

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 2021-11-26
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This Debt was never my Debt, My ex-roommate obtained this loan. 

I explained this to the XXXX XXXX who was contacting me telling me first he was a lawyer, then he said he was going to file criminal charges for wire fraud if it was not paid. He then told me he would ruin my credit if it was not paid. 

So I continued to try and tell him this was not my debt and have been telling him since this all started this was not my debt. 

So this year they hit my personal checking account for this debt and both of my covid19 relief checks were taken. I found out today that the covid checks were not supposed to be taken. the IRS got Towers loans info to investigate. 

But the reason I am writing this dispute is that I keep contacting tower loan headquarters in XXXX about the covid 19 check and the fact they are reporting this wrong. 

So my account was drafted the full amount, but, they have been reporting to all 3 credit bureaus an outstanding balance, wasn't marked as fraudulent, and just recently it was marked from being unpaid with a balance to now it's marked as charged-off with a balance. 

So after talking to an attorney he asked if I had filed this with the CFPB and I told him no so he said I should. He is looking at the fact this is being reported as a charge off now but it's paid in full. 

So depending on what he charges I am looking at taking this to court. I have also filed a complaint with the attorney generals office about him being an attorney and ruining my credit so I am sure they will be sending the CFPB something soon on him aswell

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 2022-10-06
Company: Credit Karma, LLC
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Credit Karma has falsely led me to believe that I was pre-approved for both a credit card and an auto loan, after I applied I was denied from both the credit and auto loan applications. They have impacted my life as a consumer due to false advertisements. This has put my family and me in a hard financial bind. I am still not able to obtain a car due to this, I have lost all hope behind this. They consistently send me offers of pre-approval for different things to this very day. The most recent was in a lower rate on insurance it is unfair and unjust. 

15 USC 1681 A ( 4 ) Right to Privacy 15 USC 1681 B ( 2 ) Permissible Purpose 18 USC 1028 A Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: NJ
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:
All 3 of the Credit Reporting Agencies have made it extremely difficult to obtain my information, despite the fact that I am a victim of identify theft. They are clearly in violation of the FCRA and FACT act as described in the United States Code!

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 2017-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My student loans are serviced by XXXX. In XXXX, I spoke to a XXXX representative over the phone and gave him my bank account number and routing number to make a payment for XXXX months. In XXXX, I was contacted by XXXX XXXX XXXX and informed that my account was more than XXXX days delinquent. I was then transferred to a XXXX XXXX who set up auto pay for me and opined that perhaps the XXXX representative who took my information down did so incorrectly, and that my bank rejected the payment. This XXXX updated my records and brought my account current. I assumed all was well until I received a credit alert that XXXX had reported XXXX accounts XXXX days delinquent, crushing my XXXX XXXX. 
XXXX tells me that it sent me XXXX letters informing me that my bank had rejected the payment and that I was behind in my payments. I received no such letters. There were subsequent phone calls from XXXX that I did not receive, but it is not uncommon for their representatives XXXX or their automatic dialing service XXXX to call me even after a payment has been made. I had no reason to believe I was delinquent, as I made a good-faith effort to pay my loans in XXXX. 
XXXX informed me that it will not remove the delinquent reports from my credit report because it has investigated and has found that the error causing the confusion with my bank was mine. I have asked for evidence, but XXXX will not provide it. All XXXX needs to do to make this right is remove the negative information from 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 explanation
Consumer complaint received 2017-06-28
Company: Rosebud Economic Development Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX XXXX, 2017 I took out a loan from My Quick Wallet online. The total amount is {$1200.00}. They called me to confirm, however, they did not tell me about their extreme interest rates and how much my payments would be. I believe this kind of Tribal Lending to people in other states is illegal and I can not even attempt to pay their huge interest rates.

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 2022-06-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
IP address : XXXX geolocated at XXXX XXXX XXXX XXXX hacked into my XXXX account and charged my Chase Sapphire Reserve Credit Card ending in XXXX ( This card number was replaced because of the fraud ) for a total amount of {$6500.00} through XXXX XXXX charges. I have never purchased anything through XXXX XXXX and did not notice the transactions until later in the month and reported it to XXXX. They then told me to report the fraud to Chase which I did. Chase originally removed the charges and then contacted XXXX but XXXX has refused to take responsibility for the fraud even though I have an email from them stating they closed my XXXX account due to the fraud. I feel as though Chase has not advocated on my behalf and basically says I have to deal with the fraud amount even though I did not do the charges and are claiming I benefited from the charges even though they can clearly see the IP address does not belong to me or my spouse and is in an entirely different city. I appealed Chases decision multiple times and have got denied each time because they say XXXX is the one who has to take responsibility. I dont feel this is fair to me because regardless of HOW the charges ended up on my account, they were fraud and as a company who prides themselves on their fraud protection they should have noticed the abnormal charges and stoped them right away or informed me of them so I could have prevented so many charges from happening. I have filed a police report against the fraud and IP address where the charges came from but I dont know where to go from here because I can not afford to pay for {$6000.00} worth of charges that I did not do. I need help and has an individual person I myself do not stand a chance against such a large company as chase or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT AND I STILL HAVE ACCOUNTS THAT IS NOT MY OWN BEING DISPLAYED ON MY CREDIT PROFILE. THIS INFORMATION IS ERRONEOUS AND MUST BE PERMANENTLY REMOVED ASAP. THESE ARE NOT MY ACCOUNTS. I NEED TO HAVE THESE ACCOUNTS REMOVED IMMEDIATELY PLEASE

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 2019-11-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I keep a close watch on my credit/credit score to keep in good standing. I received a notification from XXXX XXXX that a new collection was on my credit. When I looked it was from Wakefield and   associates from XXXX XXXX XXXX XXXX XXXX at XXXX. I had not been to that doctor in over 2 years and was sure I had paid the final bill. I first called the dr office to confirm I had paid {$120.00} from my final bill. She said yes the amount had been paid and she called the collection company to confirm they had the information on my payment and I did not owe anything. She came back on the line and said the amount owed to them was {$27.00}, that was a collection fee. Why am I getting a collection fee on a bill that was paid in XX/XX/XXXX from a bill from your dr office? I was then told in XX/XX/XXXX my bill had been turned over to collections. I paid in the dr office in XX/XX/XXXX from the XXXX bill I received from the dr office and was never notified by the dr office or collection company my bill went to collection. I was then told the bill was taken out of collections and opened back up through the dr office and the amount was applied to my account. Now almost 2 years later I get a notice on my credit for a collection. I call Wakefield and associates who proceed to tell me that they sent a notice in XXXX and XXXX of XXXX, grant it the mail does get lost, I never received anything and nothing on my credit until XX/XX/XXXX, which shows my collection from XX/XX/XXXX. So I ask this lady about the {$27.00} that is owed, why am I getting this when I paid the bill to the dr office and never had any knowledge of it ever going to collections? She said she didnt know but it must be a fee from the dr office. I said No dr office said I paid them in full and this was a fee from Wakefield. I ask can you please send me something on this showing this amount? I was told we did in XXXX. Ok can you send me something now, I ask again and she proceeds with so youre disputing this? I finally found out from the lady who handles the collections at the dr office that this is the fee the dr office pays to Wakefield to have them collect the money for them. Why should I pay them a collection fee when I was just told from the dr office that they pay this. It has now been about 5 weeks since I found out about this collection and have still never received anything no mail, no call from the collection agency but yet they put it against my credit. I do not feel I owe this as I did pay the bill and was never notified by either company of the collection. I will pay it to get it off my credit because I cant afford to have my credit go down when Im trying to buy my daughter and I a house. But I feel something should be done about these companies, this is not normal business practice and it hurts people who are trying to do the right thing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Exeter Finance Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
This account is Fraud, I never give anyone permission to pull my report.

Company response to consumer: Closed with explanation