BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: NC
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 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 XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
After settling for less and paying said amount. Credit card companies agreed to remove accounts from credit agencies ( XXXX, XXXX, XXXX XXXX ). My attempts at dispute were denied. Yes I explained of hardship after hurricane. And yes Ive done my best to pay each debt one by one, and not file a bankruptcy. Any help in this matter would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
WELL EVERY THAT WAS SAID TO ME FROM TRUIST, SAID NOTHING ABOUT WHERE MY PRINCIPAL PAYMENT HAVE BEEN GOING FROM XXXX TO THE PRESENT. I HAVE A CAR SINCE XXXX, AND ON THE LOAN STATEMENTS SHOW ME THAT I HAVE PAID {$3000.00} IN PRINCIPAL PAYMENTS OF THE LOAN. I JUST WANT TO SEE DOCUMENTS SAYING WHERE THE PRINCIPAL IS GOING. YOU WERE REAL FAST ABOUT SENDING ME A MODIFICATION,2 WEEKS AFTER I CAME OUT OF MY FORBEARANCE, AND GAVE ME 2 WEEKS TO SIGN IT FOR 30 MORE YEARS. THAT WAS A RED FLAG, 30 YEARS AND FOR {$240000.00} WITH NO PRINCIPAL EVER BEING PAID. IF I HAD GOT A MODIFICATION OF {$160000.00} AND THE VA ASSISTANCE WITH THE 1 % REFINANCING OF THE LATE PAYMENTS, I WOULD HAVE SIGNED THOSE DOCUMENTS CASED CLOSED. BUT YOU WANTED TO GIVE ME A LOAN TOWARDS THE LATE PAYMENTS WITH ALL OF THESE LATES, TAXES, AND CORPORATION FEES, FOR A BUSINESS VENTURE. THAT IS FOR YOUR RICH CLIENTS BUYING AND SELLING PROPERTY. AND WHEN MY LOAN WAS IN THE CRACKS OF YOUR SCAM YEAR BACK OF THE XXXX XXXX PAID OUT, IT SHOULD HAVE BEEN A TRUST FUND FOR YOUR CLIENT 'S LOANS THAT WERE IN THE MIX OF YOUR WRONGDOING AT THE TIME.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX : {$840.00} ; XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$920.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX : {$780.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$470.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2022-11-25
Company: Phoenix Financial Services LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have two health insurances that pay XXXX of my medical bills.I 've had these insurance companies for more the 10 years one which is straight XXXX medical bills and emergency room visits paid XXXX  % and the other is XXXX XXXX XXXX XXXX.I have a XXXX co -pay I do not owe any medical bills to anyone. I DID NOT USE Their services nor do I owe Phoenix Financial any money nor HAVE I EVER used their services I have disputed these medical bills many times and they are still on my credit report...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The company said they pick and choose which transaction they allow to be paid. Apparently it t is the smaller transactions. Also they do mot adhere to their two day wait until charges are charged on negative balances.

This has be happening multiple times and there is never an explanation until recently a banker asked me if I had an auto deposit, which I do have two direct deposits for this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$650.00} ; XXXX XXXXXXXX Balance Owed : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$950.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$190.00} ; XXXX XXXXXXXX Balance Owed : {$880.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX 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 2022-06-22
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
At the end of the lease I was charged for two instances of excess wear, one for {$75.00} and one for {$85.00}. Both of these should have been covered under the lease insurance that I had through GM Financial that covered four instances of {$1000.00}. I have contacted GM Financial four times explaining this, they tell me they are going to open a claim, I call back later and they act like I have never called them before. Originally it was showing on my credit as a late payment. I disputed it through XXXX and it was shown as a charge off. I disputed that and now it's saying three months of charge off and the rest is a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Good day to you. Its my Capital One credit card, I haven't use my card for a long time with no balance. That's why I got surprise when I got my statement last XX/XX/2021. There is a balance of {$42.00} but the transaction is from XXXX XXXX  and its XXXX transaction ( which I'm not aware ), so I got charge late fee x 3 months of {$40.00} per month ( Total {$120.00} ). So I called Capital One right away to tell them that its a scam and I'm not the one who made that transaction. They look it up in their system and told me to call XXXX to tell them what happened, so that's what I did. I call XXXX customer service and told them what happened, they said they will make their investigation and will come back to me in a couple of days. So after 3 days they called me back and told me that its a scam or something like that, they said they will refund me the money in 1 to 2 weeks time. I waited for like 2-3 weeks before I check my statement online if the refund already went through ( its there transaction date is XXXX XXXX amount {$28.00} + {$28.00} ). So it's there already and I called Capital One right away to tell them that XXXX proved it or found out that it is a scam, so they refunded my money back in the credit card. So I ask Capital One that since it was proven a scam they should also waive the fees of $ XXXX/month x 3 months. They said they can only waived 1 fee of {$40.00}. I told them why? Its not my fault and they should be the one protecting their customers. Also I told them that I'm a good paying customer, I don't have a record of late fees since I acquired their credit card 8 years ago until now that I got scammed. I'm struggling with Covid situation d/t work is not stable. But nothing, they said they can't do anything about it. I'm afraid that its going to mess up my credit, with the heavy heart I paid {$50.00} + {$52.00} to close the account, because if not they will continue charging with those interest. 

I am reaching out to Consumer Financial Protection Bureau, to please take a good look of my situation. It was proven by XXXX that it was a scam that's why they refunded my money back. Isn't that Capital One should also waive those late fees. I made copies of my statements if ever you need it for evidence. Hoping for your consideration. Please advise. Thank you. 

XXXX XXXX ( Phone # : XXXX-XXXX-XXXX  ) Capital One credit card ending in # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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:
Portfolio Recovery Associates , LLC have been collecting payments as a collection from me. They were awarded this unlawful agreement through court. I have paid the unlawful debt agreement in full and instead of Portfolio updating the amount on my credit report, the company stated that I have being making inaccurate payments on the account after the accurate was paid in full. The company verified through several XXXX disputes that my account was accurate on XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XX/XX/XXXX. These verification were all a misrepresentation of my ability to make the unlawful payments. Therefore continued to damage my credit worthiness. I received a certificate of service in the mail that states that this unlawful debt was satisfied in full on XX/XX/XXXX, in XXXX of XXXX by mail. This is also a fabrications, the bill was paid in full in XXXX. Even with all the misrepresentation of this account on my credit report as of today, XX/XX/XXXX, Portfolio Recovery Associates , LLC is still showing that I owe XXXX on my credit report even though they sent me a letter stating that the debt is PAID IN FULL in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CFPB COMPLAINT AGAINST SANTANDER Account Number Ending In : XXXX VIN # XXXX First off let me state that is and has been violating my consumer rights for years By committing fraud and extortion on my and my consumer credit report by committing these violations and after being repeatedly being notified of there willful non-compliance and refusal to take action as outlined in the FCRA FDCPA and removed account from consumer report with the consumer reporting agencies. 

VIOLATION OF 15 USC 1681S-2 ( a ) ( 1 ) ( A ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 1 ) ( B ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 5 ) This account 1st went delinquent well over 7 years ago which is now beyond its reputability An example of these violations enclosed from a recent consumer report showing these violation as being reported by Santander. 

The non-reporting and inconsistent reporting of the day of first delinquency Reporting of payments being made by consumer continually well after collateral was in repossession and sold, Also reporting the very fact of payment history different and inconsistent amongst the consumer reporting agencies. 

Santander was made aware and put on notice about this numerous times and at this point its just willful non-compliance of the law and negligence and defamation upon me, because this defamatory and inaccurate information was distributed to other entities uncorrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/XXXX I was notified about overdraft fees because of insufficient funds. Upon my inquiries to Customer Service I was denied any forgiveness, explaining it was an honest mistake intended to electronically deposited {$800.00} into the checking account from my XXXX XXXX checking account all online, but instead withdrawn from the Truist checking account and didnt realized it. that can I get a refund from the charge of {$36.00} for a check total just over {$6.00}. I explained In consideration I paid off my mortgage loan in good standing XX/XX/2022 and a loyal customer for almost 15 years. 

Besides being on hold for almost XXXX to be exact XXXX minutes. 
I called back and was told again they can not help me but go into the bank So I did and was told bluntly that I could not be refunded {$36.00} even though the total bank charges {$100.00} Its a bad feeling of being tossed out of their customer commitment.

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 2022-06-22
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: Reporting company used your report improperly

Complaint:
I am a natural person of the United States of America : I believe in the laws of the land which is the US Constitution as well as the Congressional Findings. Experian is in violation of 15 USC 1681b ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX XXXX the consumer never gave Experian written contest to report anything on my consumer report. No consent is identity theft!

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 2022-11-25
Company: Experian Information Solutions Inc.
State: NY
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
Company: IQOR US INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

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 2022-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
OnXXXX I received a text from what said to be Bank of America asking if I authorized a XXXX  payment of {$3500.00}. I responded no ans immediately received a phone call from Bank of Americas XXXX number. The person on the phone said he was from the banks fraud dept and he was going to help me reverse the transaction of the XXXX  payment someone from XXXX ga illegals made from my account. He verified lots of information just like the bank does when you speak to them then he told me in order to revere this and get my money back I would have to XXXX  the money back to Myself. XXXX accounts are made/ used with your phone Number so I did just that like he said I only had {$1600.00} in my account so he said that was the ammount I had to revere so I was coached on how to revere this which was going into my app to the XXXX part and sending my self the {$1600.00}. I was then told I would get new banking credentials since my account was hacked. About an hour later when I realized I never received them and then saw all of my money was gone I called the bank. I was scammed out of my entire account. I made a police report that same day XX/XX/XXXX. Bank of America advised me it would take 10 days to resolve. I called after 8 days on XX/XX/XXXX I was told my money would be refunded back to my account within 48 hours which would have been XX/XX/XXXX. No funds so I called again on XX/XX/XXXX I was told no decision was even made so he wasnt sure why the rep on XX/XX/XXXX told me I would have a refund by XX/XX/XXXX. This rep told me it had been escalated and that I would have a decision by end of day XX/XX/XXXX. I never heard back so I tried calling on XX/XX/XXXX bank was closed until XX/XX/XXXX. On XX/XX/XXXX I called and was told that the decision was made in my favor to refund me the money and I would have the refund my end of day XX/XX/XXXX. I made plans that day to go purchase a vehicle because my vehicle was recently totaled. I did this based off the information I was given by Bank of America. I never got the funds on XX/XX/XXXX checked again early XX/XX/XXXX no funds so I called again at XXXX on XX/XX/XXXX rep tells me no decision has even been made yet. I would have to wait for the decision so she cant even tell me if Ill get the money back at all. I requested to speak to a supervisor I was told Id receive a call back from a supervisor or manager but have not heard 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 monetary relief