BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Therefore you are requested to kindly delete my accounts or else I will file the litigation to get deletions. 

XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I called Rewards Customer Service representative from Wells Fargo and she could n't help me redeeming all credit I earned during the time my card was opened. This card was closed due to Wells Fargo, they said my checking account was n't on good standing so they decided to close my credit card as well. I spent money on that card trying to earn rewards so I could redeem them to my account humbly and in accordance with their agreement. I did n't close my card, they did. They do n't want to reopen it for a few days, at least with any kind of restrictions, so I can redeem my cash back I earned with so much effort. They 're currently holding a reward for the amount of {$23.00} and around {$3.00} dollars on pending transactions they had been changing the redeemable date. I think I earned this money in accordance of their credit card agreement and I am legitimately in the right to claim this money. I want this money redeemed on my credit card because I deserved it for the hard work on earning it.

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 2022-09-07
Company: FORD MOTOR CREDIT CO.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions. 

15 USC 1666 B : A creditor may not treat a payment in a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/2021 I walked into XXXX dealership in XXXX Fl. I was informed that my lease was being held up due to the previous loan company not giving them a payoff figure. This loan was held up due to the dealership delaying this process. The general manger was very unprofessional with my contract. this company withheld this account from processing without my knowledge this was the hardship from the dealership to their finance company. 
XXXX XXXX and XXXX XXXX have reported this account as delinquent with additional late fees and insufficient fees and posting my payments later than. 

I have been back and forth with them and they took ownership of the first payment of and corrected only the first payment. This account shows up delinquent on my report monthly I have been hung up on from the finance company and they original manager Who stated they were in the wrong and they will fix it has been transferred to another dealership in Alabama. The General manager has just been rude and unprofessional sending tow truck company 's to sit out side of my home to intimidate and him calling from a company cell phone. 

My bill has been paid every month their is no grace period on the account I have exhausted all areas of communicating this continuous problem. its abusive due to their error the account is posted every month delinquent the additional fee 's are being intentionally posted to issue me as a bad payer. 
Please assist me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Im in the process of trying to get a house and was trying to pay off my debt and have it removed from my credit so when I reached out to paramount to do that I did a settlement and afterwards they informed me that its to late to have it removed if I didn't pay it in full at the time being which should have been disclosed to me before I did the settlement and closed the account now after reaching out about it, the representatives say their is nothing that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 70 days and I have not received a response. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my Equifax report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to COVID. I am asking that these items be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2017-06-22
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Macy 's XXXX XXXX Paid {$4.00} in fees they said were due to them because I carried a previous balance.
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But then they charged me another {$4.00} for the month of XXXX ( {$2.00} ) and XXXX ( {$2.00} ). I am not paying anymore. I asked them to remove the charges today and I did not want to do business or receive marketing from them any further.
<P/>
I paid off entire balance prior to this and then they said if there is a balance they can charge a minimum {$2.00} fee. I disputed that with them via email, but went ahead and paid the first set if fees {$4.00}. I also discussed how they blocked us from paying an overage online to cover these fees when there was a balance. I previously was able to pay a bit more on the account basically carrying a credit balance so this situation did not occur. They did not address why they stopped customers from paying more on the account when I asked in my email nor did they communicate this change.
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Bottom-line is it one thing to charge for having a balance, but after the balance is paid it is another to keep charging people fees just to make money. I was a long time customer of this retailer since the early 90 's. Never again.

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 2017-06-22
Company: EQUIFAX, 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 am a victim of Identity Theft. Someone has placed things on my  XXXX  credit bureau reports and they also filed bankruptcy in my name without my consent or knowledge. I sent the complaint to all  XXXX  credit bureaus along with multiple attachments as proof. By law, the  XXXX  bureaus had 4 days to block the information relating to the identity theft. Out of the  XXXX , only  XXXX  has done anything and they ONLY annotated that the bankruptcies were " in dispute ''. All  XXXX  of these bureaus should have blocked this information immediately and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Sections 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: GA
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:
This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
ENHANCED RECOVERY CO L ( Original Creditor : AT T ) XXXX Balance {$570.00} Kohls/Capone XXXX XXXX XXXX XX/XX/2019 XXXX XXXX of Inquiry XX/XX/2019

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 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Credit companies and bureaus are not complying with there own policy within a timely manner.

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 2017-06-22
Company: Universal Account Servicing, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XXXX/XXXX/2016, XXXX XXXX XXXX XXXX sold me a business credit builder and landing page design and they financed it for me through Universal Account Services. The amount borrowed XXXX from Universal Account Services. The credit builder turned out to be about 3 web pages worth of reading. There was no landing page design. When I asked about the landing page design, I was told someone would contact me. When they did contact me they wanted another XXXX dollars. So I hung up on them. Even though I try to make the payment to Universal Account Services, they keep drawing the money out of my account. I gave them permission to do this one time. But they are doing it every month. I really want them out of my bank account. The fact that XXXX XXXX sold me almost nothing for XXXX dollars I guess is the fault of XXXX XXXX XXXX XXXX. They completely misrepresented to me what I would receive for the payment. So I guess I am not sure if I should complain about Universal Account Services or XXXX XXXX XXXX. I would very much like to get Universal Account Services to no longer have the right each month to withdraw funds from my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Rocket Mortgage, LLC
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am writing you to report a TILA/RESPA violation regarding Rocket Mortgage. Per the regulation see information below from CFPB webinar and the CFPB small entity guide no online application can require information other than  the 6 pi eces of information that constitutes an application.  Rocket  Mortgage asks me  all 6 pie ces of information and required more information without allowing me to continue to submit an application. I really hope that this is stopped because it is a violation and they are at a competitive advantage in setting their system up illegally. Pease see the screen shots and regulatory information provided below to support my findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
My Identity has been stolen. By whom I do not know. I signed up for credit monitoring that was offered because of the breaches. When reviewing my credit reports there were credit cards listed for Bank of America on my credit report. I called Bank of America on multiple occasions requesting information pertaining to the accounts on my credit reports. In return Bank of America send correspondence that the accounts can not be verified then resends correspondence when requested again with different account numbers. I made a police report, added a fraud alert on my credit reports. 

I sent Bank of America bank via certified mail which has been received and the signature card returned to me that validates that it has been received although they have done nothing to resolve this issue. Instead, I received correspondence with different account numbers. I requested the original credit applications which can not be produced. I received an email from Bank of America to call a Fraud resolution agent. I called he did not return my call, I sent an email I did not receive a response. I called today the fraud resolution at the number provided in the original letter and the call does not allow me to enter the extension to speak to the agent. I called the 1800 number for Bank of America because I do not have the full account number for the credit cards opened using my name I am unable to speak to someone. The automated recording hangs up. 

I am attaching documents to validate I am a victim of Identity theft, Bank of America has done nothing to assist me in resolving this issue except change account numbers and report information that is not mine, inaccurate to all three credit reporting agencies. This is identity theft that is a serious matter and Bank of America continues to ignore the issue. 

I am a victim of identity theft. Bank of America continues to ignore this serious situation, has not provided the credit applications for ALL the numbers pertaining to the correspondence I have received. Instead, the numbers are consistently changed and reported to the credit reporting agency that is inaccurate. Bank of America has tarnished not only my credit and now is affecting my health. Bank of America is trying to cover this up and is reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: General Motors Financial Company, 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:
Hello, my name is XXXX, and I'm writing to ask for your assistance in contacting this company. I attempted to get in touch with them to inquire about the circumstances behind the creation of a new account in my name. It is unfortunate that this issue is now harming my credit record since it is a really severe subject. I feel terrible about it. I do not give anybody permission to use my name, date of birth, or any other information about me since doing so violates both data privacy and the law. They have to determine who really started the account in my name and then provide those details to that individual rather than transferring them to me. Could you perhaps assist me in finding a solution to this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I found inquiries in my account that i have no idea of, nor did i ever allow to be there. I asked the bureaus to removed them a couple of times but thay just so stern and kept them there. Now my scores are hurting because of this. Please help me remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i was a victim of identity thief i contacted credit bureau with police statement that my info was stolen and they wont remove. those are not my inquiries also reported with Federal Trade Commissions not sure why they wont remove associated credit XXXX XXXX XXXX sales XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX  said they updated my address but experian still havnt updated it

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