BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXXXXXX XXXX XXXX have 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 an account without my written instructions.

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 2015-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
I am having this Lord & Taylor for years never missed a single payment on it I was the one who closed the account on my own, I keep on making my payments but my balance is just the same they charge me over 25 % APR this is not fair play, Please help me, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: EQUIFAX, INC.
State: GA
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:
A Georgi a State Tax Lien  (  XXXX   XXXX   XXXX   XXXX   ) is showing on my credit report. Tax Lien is sho wing as filed  XXXX / XXXX /  XXXX  . I do not a delinquent tax/tax lien with the state of Georgia. I am requesting this tax lien be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: First Technology Federal Credit Union
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
During the process of opening a check account, their online system instruct me to transfer money to the new account using XXXX. I provided the authentication information and XXXX accepted without error. 
I asked the bank what's next for me to do. The told me just to wait. 
3 days later, First Tech charged me {$33.00} because the transfer didn't succeed. 

During the whole process, I wasn't informed there might be a penalty. 

My account number is : XXXX

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 2023-01-30
Company: EQUIFAX, INC.
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The following agency is not bonded in the State of Texas and can not legally collect debt. Please remove from my credit report and confirm the debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
This is a complaint against Equifax for not accurately reporting on-time payments. There are several accounts ... 

XXXX XXXX - haven't reported since XX/XX/XXXX XXXX XXXX XXXX - XXXX, not reporting to my credit report at all even though it's reporting to every other bureau, this is severely affecting my credit score. While I'm an authorized user, I pay that bill and have been the sole reason for the positive credit history. 

XXXX XXXX - not accurately reporting since XX/XX/XXXX XXXX XXXX - not accurately reporting XXXX XXXX XXXX XXXX XXXX - Not reporting XXXX All of these delays affect positive credit score reporting. As I am applying for a mortgage the age of these accounts plays a huge role in my ability to get financing. Further the lack of reporting an entire account ( XXXX XXXX XXXX ending XXXX ) severely hurts my Equifax score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account was set-up where I could not overdraft funds ; any transactions were to be declined due to insufficient funds. Somehow my account went negative, and I called multiple times. Wells Fargo advised that the overdraft fees should not have been incurred, and that in XXXX business days the money would be reimbursed back to my account ; however, they continued to charge a XXXX overdraft fee while they were correcting their error. They could not correct their mistake and continue to harass me for money for the account that is no longer in use. There are recorded calls with Wells Fargo where they are advising that I need to wait and money would be back in my account, and then the following days, weeks, etc. they continue to charge me fees for a negative account, but only due to their mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: EQUIFAX, INC.
State: MD
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 was attempting to purchase a new vehicle and was denied due to XXXX XXXX reporting that I have been 6 months past due on my payments. When in fact I have been making the monthly payment PRIOR to the due date since XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called the 3 major credit bureau to dispute a series of inquires that were all reported on the same day. I called the bureaus and they said they were not able to help me and I needed to call each of the people that were reporting the inquiry. When I contacted each of the companies they some of them told me they were not able to pull up my information and that I needed to speak with the credit card bureau. And the rest of them said that I needed to submit a dispute with the credit bureau 's. 

All are reported on XX/XX/17 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was recently informed of negative information reported by XXXX  XXXX XXXX included in the file ChexSystems maintains under my Social Security number. Upon ordering a copy of the report today ( XX/XX/XXXX ), I found an entry from this bank listing XXXX # : XXXX / XXXX | Original Charge Off Amount : {$100.00} | Dated : XX/XX/XXXX I am not aware of said account with XXXX  and it became apparent that there was an issue with the banking systems when I tried to open an account for my small business but was unable to. I most recently tried to open an account with my family referred XXXX XXXX XXXX XXXX XXXX ) and was cancelled the following day by early warning. I disputed this reporting with CHEXSYSTEMS and requested all documentation of the accounts validity. CHEXSYSTEMS and XXXX have not responded in lieu of my request and dispute in the ownership of this account. This is not my account and is causing my the inability to fairly operate as a responsible consumer. 

I've attached a copy of my dispute letter.

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 2021-05-18
Company: WLCC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Interest rates on this loan are way higher than those established under law by the state of Illinois. They also are not a licensed lender in the state of Illinois and are violating state usury laws. I have paid back greater than the principle balance on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
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:
On XX/XX/18 I spoke with Fifth Third bank regarding 3 consecutive months ( XXXX, XXXX, and XX/XX/2018 ) of delinquent mortgage payments that appears on both my XX/XX/2018 mortgage statement ( see attached ) and negatively reported on my credit report ( see attached ). The representative then went on to say that I am not delinquent but it is just the way the process works ; she then told me the reason for the delinquencies is because of the 3 month trial payments ( XXXX, XXXX, and XX/XX/2018 ) related to the loan modification ( that was approved ) there is nothing they could do to correct the credit report that impacted both me and my wife because that is the Fifth Third Process. All payments were made on time during the 3 month trial period and Fifth Third agreed that they were made on time but still reported the payments as delinquent. This has to be corrected immediately. 

The reason for calling Fifth Third bank was because I applied for a business loan for my company and I was denied the loan because of the negative reporting by Fifth Third. Instead I was offered an extremely high interest rate cash advance loan with a rate of almost 50 %. Because of the negative reporting by Fifth Third, this has caused a hardship on me and my family and the business as well. 

I told the representative that I needed my credit corrected because I was applying for a business loan and she did not care because she was following the banks policy. Then I asked her if she could give me a letter confirming that I am not delinquent so that I can show it to the lender for my business loan and she told me they can not email customers. 

It is hard for me to believe that a bank/mortgage company works this way by damaging a customers credit report especially when they know the payments were made on time and now as a result I am in a hardship for my business including jeopardizing making my mortgage payments because my income from my business will drop substantially since the working capital loan was not approved. 

It is unconscionable that Fifth Third did not foresee that this could impact a persons finances. I have tried everything that I could think of to get Fifth Third to fix this including asking for a letter that I can send to my lender for the business loan and they did nothing to try and remedy the situation. The damage to me personally, my family and my business has been done. I had no other choice but to file a complaint with the CFPB and I am shocked that this is their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CURO Intermediate Holdings
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ad Astra recovery se account # XXXX, originally a XXXX XXXXXXXX account is not mine. Per 15 U.S.C sec. 1681i ( a ) the laws states that a thorough investigation must be conducted providing accurate proof that this account or debt belongs to me and all information including signature must be accurate otherwise this MUST BE DELETED TO AVOID FUTHER DAMAGE TO MY PERSONAL CREDIT AND NAMESAKE! This account is illegitimate and was NOT my doing. Also it is someone else signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Credit Technologies, Inc.
State: PA
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:
Account fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: SUNTRUST BANKS, INC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX 2001, XXXX 2001, and XXXX 2001 I apparently took out student loans with Sun Trust Bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA-XXXX ( XXXX ) XXXX as a student  at XXXX XXXX XXXX an unaccredited for Profit College or Diploma mill based in XXXX, MO. The school is no longer open as it closed almost 2 years ago. Because I was misled into thinking XXXX XXXX was an accredited College similar to another school in my city. I later learned this College was not accredited by an instructor named XXXX XXXX who was essentially hired off the street based on a referral by XXXX XXXX XXXX another instructor neither of which had any experience or academic credits to teach the program I was enrolled in, XXXX XXXX. The amounts of the loans were XXXX, XXXX, and {$2600.00}. The XXXX amount I am not sure where it came from. I only know it exists because it is on my credit report. Long story short i defaulted on my Student Loans and years went by. I tried to pay them again and fell short. This last time I decided I had enough of taking these peoples word for it and I found the Missouri Department of Higher Education less than helpful in answering questions eventually XXXX XXXX got involved and it became even harder to get the answers I needed. What I wanted to know or see was proof that I owed these monies. The last time I requested proof I was sent some type of spread sheet of payments made. This spreadsheet didnt show any terms, my signature, anything at all just amounts of money. I eventually got on an Income based repayment program which i only agreed to because they said my payment would be {$50.00} to {$80.00}. This was not true. The payment they wanted from me was over {$300.00} a month. I was told that If i made 3 payments of that amount they would help me reconsider my payments. What I absolutely hate about all of this is that the monies I was said to have borrowed apparently increased exponentially because by the time MDHE got involved I am told the amounts I now owe are {$6200.00} and {$3800.00}. All of this for less than a sub par education. I would also like to add that I recently had to request my transcript for this school and believe they gave me credit for classes I do not recall taking. Specifically an XXXX XXXX course.

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 2023-04-07
Company: Carter-Young, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted XXXX XXXX via website and phone on XX/XX/XXXX & by phone on XX/XX/XXXX. No response from them. XXXX was a leasing Management company for XXXX XXXX for half of a year that I resided there. I tried contacting them in XXXX when I first seen the debt but no answer or response. The charge is for rent ( they had the deposit ), late fees, carpet cleaning for apartment, and a broken storm window from the 2nd floor of tri-level that was broken by a storm. They charged 2x for the carpet cleaning. I informed maintenance and management of the broken window the next day after the storm, but no one responded or came to fix it until I moved out. I tried reaching them in hopes of getting a payment agreement for the derogatory mark on my credit and because they were the ones who filed it but no one has responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, I attempted to cash a {$100.00} check at a Wells Fargo branch located in XXXX, UT. I have banked with the institution for nearly 30 years. The bank asked me to provide them with both my debit card and " I.D . '' I provided them with my debit card and my non-expired government issued photo I.D . and they refused to cash my check because they did not accept my I.D . I asked them to provide me with a list of forms of identification they accepted and they answered by stating " they were governed by regulations and could not provide me with said list. '' After the interaction with the branch, I called Wells Fargo corporate at XXXX XXXX MDT at XXXX to inquire as to what forms of identification they accepted. They refused to provide me with a list and said they were internal policies and subject to federal laws that they could not provide me. They further explained that the policies can be determined by the individual branches. 

My complaint is that as a banking institution they should have transparency with respect to policies regarding basic banking operations such as cashing a check. In this particular instance, the banking institution clearly outlines what forms of identification they will accept to apply for a loan, but do not have any materials with respect to cashing/depositing/withdrawing/etc. monies from a checking account. By allowing the individual branches to set their own policies, as the Wells Fargo corporate representative told me, they allow for subjective and potentially discriminatory conduct. 

I believe Wells Fargo 's lack of transparency allows the banking institution to engage in discriminatory banking practices with respect to members and non-members alike of the institution. This discriminatory practice is explicitly verboten pursuant to federal rules and regulations ( see 15 U.S.C.A. 1691 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent three debt validation letters and they respond with a copy of a bill. They were all sent certified mail. The mailing dates were XX/XX/2018, XX/XX/2018 and XX/XX/2018. They are claiming I have a balance of {$740.00}. I do not own this debt and would like to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX Purpose : {$4000.00} Cash returned to me. 

My Citibank DOUBLE CASH credit card, They were closed on XXXX XXXX but my {$4000.00} cash rebate was not given to me. 

Request CFPB to help solve. 

Above from : XXXX XXXX

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 2017-08-13
Company: CITIBANK, N.A.
State: TX
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:
CBNA is showing that I have an account with them and that it was closed as a charge-off after failure to pay in XX/XX/XXXX. I do NOT have an account with them. I have written the company XX/XX/XXXX telling them that I dispute the accuracy as the account is not mine. I asked them to provide details as to the name and address of the person who opened the account. As of XX/XX/XXXX, they have not replied.
I am attaching a copy of the specific page in my credit report as well as the letter I sent 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