BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-12
Company: EQUIFAX, INC.
State: AR
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 XXXX XXXX XXXX XXXX, AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are all inaccurate items currently reporting on my credit report. I need all of these items as well as all accounts associated with this information to be deleted from my credit report immediately. My name is XXXX XXXX XXXX and my only address is XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Fidelity National Information Services, Inc. (FNIS)
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: Was not notified of investigation status or results

Complaint:
This is regarding violations of the FCRA by XXXX XXXX XXXX XXXX, in their capacity as a furnisher and user of consumer information. Briefly : The bank generated an erroneous XXXX score that does not match with the contents of my consumer reports, made adverse decisions based on false information, and failed to correct this information. 

Details : In XXXX 2017 I applied on-line for a checking account at XXXX XXXX XXXX XXXX, in response to an advertised promotion. The application was declined twice, citing consumer reports from XXXX and Chex Systems. 

This was surprising and unexpected, since my credit history is excellent with zero negative items, and I had never been declined for a deposit account by any bank before. I reviewed my reports from both XXXX and ChexSystems, and found them both to be spotless with zero negative items. 

I had several conversations with agents of XXXX XXXX XXXX XXXX ( hereafter referred to as the Bank ),  including their Executive office. I presented the complete and detailed consumer reports from XXXX and Chexystems, pointed out that they contain zero negative items, and requested a manual approval of my application. The Bank claimed that they can not consider these reports, and they only go by the 'XXXX Score ' included in their original letter of denial. 

The Banks letter of adverse action contains a XXXX  score of XXXX, a very low score that does not match with my consumer reports. Considering that my FICO score is XXXX and none of my consumer reports contain any negative or derogatory items, a XXXX score of XXXX has to be an error. The Bank first claimed I had to dispute this with ChexSystems. I did so, and ChexSystems claimed it is not them but the banks who generate XXXX scores. 

So it appears that XXXX XXXX XXXX XXXX had generated a false XXXX score, and made an adverse decision against me based solely on that erroneous score, without considering the actual contents of my consumer reports. This adverse action now causes a continuous negative impact on my future consumer reports. Despite my repeated requests to correct this score and remove the erroneous entries from my consumer reports, the Bank has refused to take any corrective action. 

I am attaching my most recent correspondence with the Bank, which explains the problem and my requested resolution in detail. If necessary I can provide additional evidence, including prior correspondence and my full consumer reports. Thank you.

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 2022-06-12
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-06-12
Company: EQUIFAX, INC.
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
TransUnion is reporting accounts that have no right to be on my consumer report and ignoring my request for copies of consumer applications in my file that was sent to them for verification. I sent a letter on XX/XX/XXXX along with a notary proving I am the person sending this letter through USPS certified mail. Both letter and notary is attached to this dispute. In that letter I stated that this was a request for information and it is NOT A DISPUTE LETTER. Since all consumer applications must be verified, copied, and retain in the consumer file, I asked for the consumer applications for the accounts listed in the letter. Along with verify the information on the consumer report, it must PROOF that the data furnisher has any permissible purpose to view my consumer report and PROOF of any financial agreement that allows the data furnisher to report any information to my consumer report. I noticed on XX/XX/XXXX, instead of providing the information, TransUnion opened disputes against these accounts. WHY WERE DISPUTES OPENED WHEN I STATED THIS WASN'T A DISPUTE LETTER? AND WHAT FALSE CLAIM DID TRANSUNION SEND TO THE FURNISHERS? No dispute should have been made, just provide the requested information. If I did dispute, it would be with TransUnion for being Non-Compliant with the FCRA by not verifying the consumer applications.

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 2022-06-12
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:
In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2017-06-27
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX improperly performed an inquiry without my authorization.

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 2017-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital One opened a credit card fraudulently in my name. After unsuccessful attempts to work with Capital One I filed a CFPB complaint. That resulted in Capital One admitting the action was fraudulent and removed card from my CR. I then asked for all documentation used to open the card and was told there was none because it was opened by telephone but regardless they required a subpoena to provide the information. I knew that was not true so I filed a second complaint. That complaint resulted in a letter from XXXX XXXX that I was correct but had to supply them with a signed letter request and two forms of ID. On XX/XX/XXXX I faxed the requested information to the number provided in their response letter. To date I have had no response so I called on XX/XX/XXXX using the XXXX number and the specified 6-digit pin to inquire on the Capital One Case #  XXXX. I was never offered an opportunity to enter the 7-digit extension specified in their letter. When I reached the CSR I was told there was no such Case # in their system. At that point I called the CFPB to determine why the CFPB case was closed and after discussing the status it was suggested I either mail all the documents I originally faxed or open a new complaint. I decided on the latter because XXXX XXXX would likely claim no such case existed and I would be nowhere in resolving this issue.I am uploading the fax cover sheet, the signed request letter, the response letter from XXXX XXXX dated XXXX XXXX, XXXX, the two forms of ID, and the fax tx verification report that I faxed to XXXX XXXX on XXXX XXXX, XXXX at XXXX XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Other problem

Complaint:
my name is XXXX XXXX, I had a credit card with XXXX XXXX XXXX   XXXX XXXX, while in contact with the collector, I received a Summons My complaint is because the process has been very abusive and misleading and almost fraudulant, I wasnt very experience of what to do when received the legal documents, so Capital one doesnt is not trusfull. 
TODAY I RECEIVED A DEPOSITION SOBPOENA ( date issu XX/XX/XXXX ), I also received a Notice of taking deposition records only, I also received notice of consumer of privacy rights for date XX/XX/XXXX for production of business records the envelop has a stamp of XX/XX/XXXX and I received the documents on Saturday XX/XX/XXXX.

Capital one alreary have a Judgement for a credit card I owned then, but when I tried calling them to make payment the lawyer wont call me back ... Now is this legal so like I mention Capital one has a  judment and wont make payment aragenments and now what to take a deposition not for Capital one but for XXXX XXXX XXXX, for the record I have alegations agaist XXXX XXXX XXXX and for the record I have in the past been agrevated by multiple entities including dafamation of character or I believe a stragety used in the past that I am XXXX to doght my entity I feel Capital one is one of them in how in the past reports to the credit berourow including reporting multiple time for the same item. and as I mention XXXX XXXX XXXX wrongfully denied my mortgage loan for any financial assistance after been a victim of a federal crime ( bank robbery that happened at work )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech mortgage company failed to get in contacted and in writing with XXXX and XXXX XXXX regarding mortgage payment changing. XXXX and I learned on XXXX XXXX,2017, that we were in a debt collection due to tax impound changes these changes happened on XXXX XXXX  2017. On XXXX XXXX2017 XXXX stated from ditech that they assumed that they were in contact with XXXX XXXX on XXXX XXXX, 2017, but apparently they were speaking to our bankruptcy attorney regarding our changes. I XXXX and XXXX XXXX have paid our mortgage thru our checking account bill pay this entire time because I could not pay them thru there web site due to to our Chapter XXXX again Ditech never send us correspondence nor did Ditech leave any messages regarding these changes to our mortgage account. I sent a certified letter to Ditech on XXXX XXXX,2017 which they received the letter on XXXX XXXX,2017 with our concerns on how we wanted our credit to be back on good standing with all three credit bureaus and that all late charges be reverse due to poor communication. Best Regards

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Experian Information Solutions Inc.
State: AL
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 XXXX XXXX XXXX, account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2020-12-23
Company: SANDY SPRING BANCORP, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was directly contacted via phone to open an account and to visit a local branch office in XXXX located in XXXX XXXX in XXXX, va. When the account representative said that I will only stop by to sign the paperwork, however when I went the branch manager refused to open the account for me stating that I was in the XXXX XXXX when the rep on the phone said that I am not since all my accounts are paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
American Express closed my account ending in XXXX on XX/XX/2020 and sold the account balance associated with XXXX to XXXX and XXXX on XX/XX/2020 and yet they have reported my account as delinquent for 90 days. They are reporting inaccurate information to my credit bureaus which is in violation of the Fair Credit Reporting Act, and this has negatively impacted my credit as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX XXXX, account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2021-04-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase bank took the contents of my safe deposit box and sent them to Texas. I did not receive notification, they did not ask permission and would not explain their position nor reason just ... it's our policy!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: KEYCORP
State: CT
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
ATTN : PPD Dispute, KEY BANK Dispute XXXX ( I will be keeping a copy of the fax transmittal confirmation ) Fax : XXXX, XXXX, XXXX ( I keep getting different fax numbers to fax to and different items to submit. ) On Friday, XXXX ( XXXX ) I used my debit card ( to obtain unemployment funds ) in the ATM at Key Bank in XXXX, CT. I tried withdrawal {$500.00}, but the machine never disbursed the funds. However it accounted as if it gave me the {$500.00}. 

I talked to a XXXX that night when calling the ATM number. She said she could start the dispute, but I said I needed the money right away and I would go into the bank in the morning. 

I went the the Key Bank location in XXXX, CT the next morning, and they were unhelpful and unwilling to investigate themselves. They told me I had to call the ATM/XXXX number again. 

I called the number again, and they filled out all the dispute information, and then I was required to send a letter by fax or mail. 

1. The machine kept {$500.00} I needed 2. The process to rectify the situation is inconvenient, lengthy, unfriendly, not customer service oriented. 
3. The bank said it wasnt the first time the ATM didnt give people their funds. 
Due to the banks error, I wasnt able to obtain my money, I had to take time to go to the bank, then call the XXXX, and now write a letter - again, due to a bank error. 
4. A little common courtesy at the branch could have totalled changed this complaint. Courtesy includes treated as if the bank made a terrible error, an empathetic person 's, help with filling out the form and then faxing it for me. Instead I called the dispute number from the parking lot of the bank, while in my car, and had to locate a friend to use to fax the information. Its outrageous.
Sincerely disappointed and inconvenienced, and now it says it 's " pending ''. They gave me a number for the dispute processing area, and there is no " live '' person to talk to. It 's a recorded message that hangs up after a few repetitive cycles. I have no idea if they have what is needed.
This is four days without my needed unemployment funds with no understanding when I might get them.
It 's unacceptable.
P.S. - a bank teller could walk over to the ATM and count the funds, look at the security camera within a few minutes. But I 'm forced to spend my valuable time following up with THEIR bank error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-17
Company: Vital Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1. Around XXXX 2017 & before we started to get notices in mail & calls attempting to collect a debt that has already been satisfied with XXXX XXXX attached will be the 3 recorded satisfactions/release while the judgement on this mortgage was left opened. 
2. This predator/debt collector XXXX XXXX XXXX, XXXX was told several times the debt was paid but continued with their harassment of us. We even made the mistake of offering them an amount to settle which they claimed was being presented to XXXX XXXX & took time to approve, so they would leave us alone while also providing last 2 years IRS Form XXXX which XXXX XXXX told us was OK to release to them their attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Village Capital & Investment LLC
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: Account status incorrect

Complaint:
This is in response to Complaint XXXX. 

I am grateful for Village Capital working with me to modify my loan in XX/XX/XXXX. For that, myself and family appreciate it. 

However, I contracted XXXX XXXX in XXXX of XXXX. I notified Village Capital that due to XXXX XXXX, I lost my job and was unable to pay due to this hardship. I got behind in my mortgage during this time in or around XX/XX/XXXX. I was unable to 'catch up ' as I lost my job. I was then waiting for my new job to start. I am asking for your understanding as this was very stressful on my family and the entire nation. In fact, stressful on the entire world. Village Capital continued to mark my credit as late, did not work with me immediately. Clearly in violation of the spirit of the CARES Act. 

I appreciate your compassion, understanding and cooperation to help me and family move past this difficult time. Village Capital finally helped me in XXXX of XXXX with the loan modification. I called dozens of times asking for assistance. I almost lost my home! Thank XXXX XXXX XXXX in lost mitigation was able to help after months of requesting help. For that, I send her blessings everyday and I truly appreciate it. 

Additionally, I have not been late on my mortgage since the modification. Please assist me and my family with this gesture. We can debate some of the facts for sure, however in the spirit of cooperation, understanding and compassion- we appreciate Village Capital assisting a gracious American citizen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation