BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: MO
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 formally request for the removal of inaccurate items from my credit report, which I believe are negatively impacting my credit profile and are still appeared. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent inaccurate address and inquiry that are needs to be remove : XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX date of inquiry XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email stating : Online application is in progress XXXX XXXX, We have received your application for the following product ( s ) : Bank of America Advantage SafeBalance Banking Account Confirmation number XXXX XXXX Then a follow up email stating : Your new account is open Great news! The following account ( s ) are open : Bank of America Advantage SafeBalance Banking Account # : XXXX And a third email stating the debit card was being mailed. 

But I did not open any bank account with Bank of America. I have checked my credit reports and all accounts, and there is no problem anywhere else at this moment. And this is the SECOND time this has happened. The first time was on XX/XX/2022. I feel like there is an employee inside BofA that is doing this because they would need my complete social security number and other information in order to open this account without my knowledge. I think this needs investigated thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
There is incorrect information on my credit report. 

I sent a letter out on XX/XX/XXXX to XXXX, XXXX XXXX, and Equifax. However, it has been 30 days and the credit bureaus failed to accurately update the information on my credit report. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off the loan on through a XXXX XXXX service on XXXXXXXX XXXX 2023, {$12000.00} which was XXXX XXXX XXXX and have a letter of confirmation of this from XXXX XXXX and was sent to ( Bank of the West ) which is a trade name for BMO Bank N.A. I have made several calls to them asking for the release of my title. They are saying since the merger of Bank of the West to BMO they are so far behind that they are at least 30 -45 days from even finding my payment and releasing my title. They told me the last time I called to not call again because they were to far behind to look for my payment and they would release my title when they got caught up from the merger. This is a court ordered issue for me and I need the title as soon as possible to prove to the courts that it is paid off.

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 2023-06-21
Company: LD Holdings Group, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Two years in a row, LoanDepot has sent me notices saying that my homeowners hazard insurance policy is about to expire. My policy is in effect and paid up, and has never lapsed. The policy is through XXXX XXXX XXXX a company that uses modern information technology. Yet, according to loanDepot, they claim to have reached out to my insurance company and have been unsuccessful in obtaining a renewal or replacement policy. 

They provide a website URL for entering my policy information, but the website doesn't work on my XXXX. It does work on a desktop computer. Why would this be? I'm a XXXX XXXX who has built applications that run both on phones and tablets and desktop computers. It's not rocket science, which leads me to think they are deliberately creating hurdles for their own benefit. 

I have stayed on top of this, both last year and this, but I'm concerned about what LoanDepot might do if I happened to miss this notice, which arrives in my mailbox along with other notices from them, the majority of which are promotional in nature. 

If the consequences of not answering their request for proof of insurance were to charge me for a policy of their choosing, that would be a nice source of revenue for them. My suspicion is that they are preying on individuals who are not paying close attention, purely for profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Requesting lease addendum and all signed documents. XXXX only provided a tenant ledge with charges that were not validated. A bill is not a verified document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: DISCOVER BANK
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I noticed that my Discover card was closed. I called and they informed me that it had been closed 5 days ago. I asked why it was closed and they said due to inactivity. They said that they normally inform customers that they would be closing the card for that reason but did not inform me. I can not open it back up without re applying. If I re apply, its a hard hit on my credit which lowers my score. Due to closing the account, the available balance is taken away from my overall available balance on my credit score, lowering it as well. 
They told me there i no way to re open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
i purchased a XXXX XXXX XXXX from USA Auto sales in XX/XX/XXXX i received a letter from west lake portfolio in XX/XX/XXXX saying that i need to contact them about my vehicle an the loan amount was over {$10000.00} an to start paying them on XX/XX/XXXX i asked them how an why is the loan on my car that much they couldnt give a reasonable answer I asked about my contract i signed with usa auto I stated that it cant be that much i been paying my car since XXXX they stated that i have to pay them with in 30 days every two weeks XXXX just like i was paying usa auto sales.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: CBC Companies, Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently found a memo from XXXX stating that child support collections are not credit transactions and excluded from Consumer Files. XXXX and XXXX are willfully neglecting and non compliant to the FCRA laws

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Access Receivables of NC Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received letter from debt collector. Did not know for what. They helped me through the steps, after I called reporting to them that this is something I did not owe. At the time I still did not know what it was for. The amount was {$2300.00} I then disputed it to them and mailed it back. 
And then I filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: WELLS FARGO & COMPANY
State: TX
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:
Wells Fargo has inaccurately closed my business credit card ending in XXXX for non payment of the balance of a employee credit card. Firstly I want it known that I had 0 access To see that balance as my balance stated on my online portal was always XXXX. My balance was XXXX dollars, where this XXXX dollars came from? I have no idea why my card was closed due to non payment of XXXX dollars, when I hold a average balance of over XXXX XXXX XXXX in my Wells Fargo checking accounts. I hold multiple personal credit cards, personal and business accounts and a high amount of money in a brokerage account with Wells Fargo. I only bank with Wells Fargo yet I feel like an outsider being attacked for the XXXXXXXX XXXX that I supposedly did not pay. I was never contacted and I was never told to pay that amount or even that I owed that amount. I feel truly attacked as a consumer and as a almost 8 year member of wells Fargo. After Wells Fargo closed that account I was declined on many applications for business loans, personal loans and lines of credits. All because I had a credit card close for non payment. I see this as beyond unfair. In there response to me, Wells Fargo also fails to do any research and states incorrect dates of this particular case. Stating that my card was closed in XXXX of XXXX and then later in XXXX. I expect nothing less of a bank that robs its loyal customers of service for inside issues of its own internet/ online portal systems. From wells fargo Your XX/XX/XXXX, business card statement showed the amount of {$25.00} due on XX/XX/XXXX. Your XX/XX/XXXX, statement showed a past due amount of {$25.00}. Your XX/XX/XXXX, statement showed the amount of {$25.00} due on XX/XX/XXXX. 
The XX/XX/XXXX, showed a past due amount of {$25.00}. You paid the total amount due on XX/XX/XXXX as always with wells fargo I am confused and betrayed at the reasoning and the simple fact that this could have all be resolved by reaching out to me. In conclusion my card was closed without any notice, i had no idea there was any balance and to later find out it was XXXX XXXX, i was attacked, betrayed and dumped to the side by wells fargo. I included a email conversation with my wells fargo banker. I tried to figure out why i was getting these notifications because my online account had no balance whatsoever for that credit card.

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 2023-08-19
Company: BARCLAYS BANK DELAWARE
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:
In my XXXX XXXX XXXX XXXX  account app, it has a feature called XXXX credit journey which allows you to view your credit score and usage. 

When reviewing my account, there is a Barclays/Banana Republic credit card being used under my name. I do not have that card nor do I remember ever opening an account with Barclays and/or Banana Republic

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 2023-07-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I purchased a timeshare. Immediately after tried to cancel by phone and certified mail. Was delayed and dodged by company. When they got back to me told me I was 3 days late and couldnt cancel. They provided a change of terms by email. I agreed, they then would not answer the phone. Tell me I could only talk to one person. This person discriminated against me, ignored calls, text and emails. Then illegally added a fraud account to my credit. This company practices fraud through their sales process. I am attaching proof of emailed conversation. Sent to me twice and never corrected for 2 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: Winklevoss Exchange LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have had a Gemini account for approximately 3 years, tried signing on last week and was unable to sign on and access account. After repeatedly trying to change password and then trying to contact their support O have not heard one thing from them and am no closer to accessing my account and money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am an Consumer and Ive notice a few Consumer Violations on my Consumer report that I would like remove. Attached you will find a copy of said Violations on 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 2023-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 between XXXX I went to deposit XXXX in my checking account using my ATM card. I had done this countless times before. I put the money in it gave back XXXX I tried to get the machine to take the XXXX two more times it wouldnt so I was going through with the XXXX. It was making the sound as if it was counting the money to deposit it. A message came on screen said take your funds or we will retain them. Well the deposit door was closed so I couldnt take the money. Few seconds later a message came on the screen and said we will retain your funds. So it kept the XXXX didnt deposit the funds in my account and didnt give me a receipt. I immediately called the bank customer service. Told them what happened this was the location at XXXX XXXX XXXX XXXX la XXXX. The ATM machine has a camera on it the number of the ATM machine was XXXX XXXX XXXX XXXX. I gave all that information to the customer service representative. They gave me a claim number XXXX. The representative told me I would have a credit of my funds in two business days. That never happened and it would take 45 days to complete investigation. Nothing was put in my account and no one has contacted me. That was my bill money. The machine has cameras they can see that I put money in the machine and the can also see the fact that they had more more than what was deposited in customers accounts. Obviously thier machine was malfunctioned that day. Bottom line is I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was not made aware of these fraudulent accounts until they showed up on my credit 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 2023-08-22
Company: Aspen Yo LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Gregory Funding is serving my loan and fraudulent assignments are being used to foreclose. They accepted 2 payments of {$5000.00} XX/XX/XXXX and {$5000.00} XX/XX/XXXX. They required these payments for a loan modification Instead of modifying my loan was sent to a foreclosure attorney. This clearly against federal law XXXX tracking laws were established in XX/XX/XXXX. They have my money which was sent va certified funds. The assignments are fraudulent and robo signed. Fraud can't be the basis of obtaining a deed. I have sent 2 QWR and neither have been addressed. I Also asked for the gap accounting and it was sent either. I ask for the Ombudsman department and I was told they didn't have that department. I sent a notice of error and they have not responded to any of my correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ProCollect Inc is reporting a fraudulent account on my credit files. I did not open nor consent to this account being open. I will exhaust all legal avenues afforded to me to get this account removed from my credit. I will sue said creditor or collection agency in small claims court within 14 days of receipt of this complaint. 

ProCollect Inc XXXX {$3900.00}

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 explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-08-23
Company: FORD MOTOR CREDIT CO.
State: KS
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:
Someone used my information to apply from the company which is a hard inquiry on my credit which I didnt authorize that

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX XXXX XXXX /Advance america had a data security breach and my SSN was leaked on XX/XX/2023 and i and now my information is on the dark weband i want to sue XXXX XXXX XXXX  for my leaked information ASAP

Company response to consumer: Closed with explanation