BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
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:
To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Department of Education Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX XXXXXXXX XXXX Card Account # XXXX and # XXXX, XXXX Bank 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 2022-09-30
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX You, XXXX XXXX XXXX XXXX, have violated my rights and provided false and misleading information and are guilty of racketeering and extorting me ( and most likely others ) for a debt that you can not prove that is mine! 

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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1602 ( g ) You took money from the Federal Reserve using my social security account and lied on the contract making it seem like I am the debtor when in fact I am the original creditor as the consumer. 

15 U.S. Code 1692j- It is unlawful consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

15 U.S. Code 1666d - Treatment of credit balance - Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( C ) Make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months ( also the down payment ). except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

18 U.S. Code 8 - Obligation or other security of the United States. The security interest secured obligation of the vehicle. So there is no reason for a remaining credit balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Delinquent account

Complaint:
I signed up for a Capital One card in XX/XX/XXXX. The interest on the card was unmanageable, and after making $ XXXX/month payments that did nothing to reduce what I owed, I stopped making payments in XX/XX/XXXX or XX/XX/XXXX. 

I realized this would negatively impact my credit, but I had no means to pay down the high interest on the card. In XX/XX/XXXX, while in college at XXXX, Capital One sued to collect all the unpayable interest. When I received the notice of legal action, I also received a credit card offer in the mail the same day from Capital One. I had no money for legal representation and Capital One won in my absence. 

That was in XX/XX/XXXX, and in the years since, I have received many credit card offers from Capital One, but I heard nothing in regards to the judgement against me. 

11 years later XX/XX/XXXX, I was sent a notice of wage garnishment. They are now attempting to collect over {$3000.00} from me. In the 3 weeks since receiving that notification, I have also received XXXX different Capital One credit card offers. 

I make $ XXXX/hr. I have no savings. I have student loans I ca n't afford to pay, and a car I ca n't afford to fix. I live in a XXXX room apartment. Despite all of this, Capital One is taking {$170.00} out of each check ; that 's {$350.00} a month. I can no longer afford to pay basic bills. 

Capital One gave out credit cards specifically to profit from the high interest, then waited to pursue legal action until the last possible moment, then waited 11 years to collect on that debt. If Capital One was so concerned with getting their money then why would they wait 5+ years to sue, then 11 more years to collect? If they 're so concerned with collecting their debt that they sue a poor college kid, then why have they consistently tried to sign me up for another Capital One card since suing me? 

I 'm asking that in light of Capital One 's predatory practices and continued disregard for the ability of the poor people they prey upon to pay back debt while still sending new credit card offers, that this debt be forgiven by the company and that all future credit card offers cease. 

Their actions have shown that, by continuing to offer more credit cards, they do n't need the money and they do not care about giving it away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-12-30
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased this car in XXXX and have been paying up until XX/XX/XXXX. That is 8 yrs and 2 months. More than my original loan term which would have included the deferred payments aswell. On my account and reps told me I had paid off. Then all of a sudden they wont release my lien and add an additional XXXX in fees. This is not okay and they should actually owe me money back I paid over XXXX. Then they try to call and negotiate to XXXX in fees knowing well that I have paid off in full it even showed on the app and now they added it as delinquent. Please help me and have them release my lien as I have paid over what I was suppose to since 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 2022-09-30
Company: FISERV INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On I called XXXX FISERV regarding a duplicate payment ( 2 ) of {$90.00} reflecting on my XXXX XXXX XXXX  XXXX  ACCOUNT. The agent I spoke to stated they notify the XXXX Banking Dept. however I receive an email. On XX/XX/XXXX, I received an email stated the following : Fiserv, the service provider for Bill Pay with XXXX XXXX XXXX, processes the payments that you make through Bill Pay. At your request, Fiserv processed the payment to XXXX  XXXX XXXX  on XX/XX/2022 for {$90.00}. However, after sending money to XXXX XXXX XXXX, Fiserv could not withdraw the funds from your payment account. Fiserv 's second attempt to withdraw the funds was also unsuccessful. As a result, the money Fiserv sent to XXXX XXXX  XXXX  on your behalf was returned to Fiserv. 

Their error has caused my XXXX account to be closed because they provided incorrect and fabricated information to me. 
There have been several instances where XXXX and FISERV provided incorrect information causing negative affects on accounts and/or fees especially how transactions are processed.

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 2022-12-03
Company: Capio Partners, LLC
State: LA
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:
Company is reporting information on my report that is not validated and is incorrect. 
I dont have any outstanding medical bills with Capio Partners .

I have never had any contact or done any business with Capio Partners.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I mailed letters to Tower Loan at XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX on two separate occasions : XX/XX/22 and XX/XX/22, yet a XXXX continues to call my phone, my work place, my mother, my sister in law and my husband DAILY from XXXX. She merely states that she needs to speak with me, as if she is a friend of mine. This is very misleading and I feel as though it is both unethical and fraudulent to be posing herself as someone who knows me personally. The letters plainly informed this debtor that I was being represented by XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX AR XXXX and my attorney XXXX XXXX XXXX at XXXX. She has continued to ignore my letters and keeps calling XXXX, to XXXX XXXX of harassment for my employer, my mother, sister in law and husband. My letters gave them all the information they needed in order to cease and desist all communication with me and to ONLY communicate through my legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: NJ
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name and number : XXXXXXXX XXXX XXXXXXXX Account name and number : XXXX XXXX XXXXXXXX, Account name and number : XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, 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:
on XXXX i sent a letter regarding inaccurate and unknow things on my credit report.to this day i have not received a response yet. i feel like im being taken advantage of and being ignored of my disputes. section 611 ( A ), it is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove these items from my credit report its pushing close to 60 days. so, they should be deleted promptly. i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. my information was also impacted by the Equifax data breach and may have got onto the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX  I received an email from Ally stating a transaction has been declined due to insufficient funds. The transaction was for {$2700.00} and the only vendor information given was XXXX. I did not recognize the transaction, the amount, or the vendor and therefore immediately called the bank to instruct them that the transaction was fraudulent, should be blocked if it reoccurs, and that we should take proactive steps to ensure that the integrity of my account information hasnt been compromised. When speaking with the company they confirmed that there was no record of the attempted transaction, the subsequent decline, or the email communication sent to me thus leading me to the only rational conclusion that the email was fraudulent and that no such attempted transaction has occurred considering neither I nor the bank recognized the transaction. No action was taken by the bank to further protect my account or funds. On XXXX XXXX, I received an additional email and has the exact same experience when speaking with the bank. On XXXX XXXX I checked my account and saw that the exact amount of funds had in fact been withdrawn from my account via ACH. The banks failure to assist me with my two previous request resulted in the loss of funds from my account. This couldve been prevented if the banks customer service representatives had been able view the declined transaction the two previous times it was attempted and had assisted me as requested by either blocking any future similar attempts or changing my account number/debit card number to one that was no longer compromised. This loss of funds from my account at month end caused me to be unable to pay my mortgage and credit card bills this resulting in monetary penalties and fees as well as severe emotional distress.

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 2022-12-30
Company: EQUIFAX, INC.
State: IN
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:
XXXX XXXX or XXXX XXXX is breaking the laws. First of all the same loan is listed twice. Secondly they repossessed the car I gave it back voluntarily. They came to the XXXX  I was at asked me where it was. I told them. They then sold it and never notified me about it which they are supposed to by law. Then took the money and sued me for it. This is illegal in so many ways I was in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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: Account status incorrect

Complaint:
on XX/XX/2022 I contacted XXXX that there was inaccurate information on my credit profile and asked for it to be removed and nothing was done it has now been 60 days and the item is still there, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once. 

Sincerely, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX  XXXX Balance : {$18000.00} XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Remitly, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or missing disclosures

Complaint:
I sent a transfer XX/XX/XXXX was expected to receive the transfer XX/XX/XXXX but today is XX/XX/XXXX and I didnt receive my transfer.

Company response to consumer: Closed with explanation