BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: NJ
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, I'm a living human being, I have the rights under 15 usc 1681.

Equfax is governed by 15 usc 1681, and they violated my rights numerous times. I demand the accounts lited below be romoved because according to 15 usc 1681, I have the right to privacy. And I did not give Equifax written permission to furnish these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: CURO Intermediate Holdings
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Recently I tried to apply for a car loan but to my surprise I was denied because of false inaccurate reports on my consumer report. I have acquired a copy of my consumer report on XX/XX/2022 and to my surprise Ad Astra Recovery Services was reporting FALSE INACCURATE information to my consumer report. On XX/XX/2022 I disputed This inaccurate information with Ad Astra Recovery Services nicely asking to remove the account for negligence and for violating my FCRA rights under 15 USC 1681 ( a ). 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681e ( e ) ( 2 ), 15 USC 1681a ( d ) and Ad Astra Recovery Services is currently RE-AGING this account which is a violation of FCRA sec.605, and also fraudulent. PLEASE REVIEW ALL MY CONSUMER REPORTS FROM DATES OF XXXX TO SEE Ad Astra Recovery Services HAS BEEN ILLEGALLY AND FRAUDULENTLY RE-AGING THIS ACCOUNT UNLESS THEY CAN PROVIDE THAT I HAVE MADE PAYMENTS IN THESE TIME FRAMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: FL
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 have new and updated information concerning Equifax. Equifax has published a consumer report about me for an impermissible purpose; failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions as the consumer. Equifax is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We received notice that a Sheriff sale of our home was scheduled for XX/XX/2022 at XXXX, Eastern time by the collection firm of XXXX XXXX and XXXX XXXX XXXX. Attorneys at Law, XXXX XXXX XXXX XXXX, Suite XXXX, XXXX, Illinois XXXX. 
We immediately contacted the representative Bank of America, for the Master Servicer, XXXX XXXX, XXXX, XXXX XXXX, Bank of America XXXX and advised him my wife and I have a deed to the property at XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX, and signed authorizations from borrower XXXX XXXX XXXX ( See attached ) After we provided those prior signed authorizations to him, he stated they were sufficient for the prior master servicer XXXX XXXX XXXX XXXXk XXXX ( these two firms XXXX XXXX XXXX XXXX  XXXX XXXX have lied to courts of law they ever received these authorizations so as not to have to prevent us with a payoff letter ) but in order to discuss stopping the Sheriff sale and to allow him to send us a payoff so we could purchase the property as allowed by Indiana law before the Sheriff sale, Indiana Code Section 32-29-7-77 we had to provide him signed third party authorizations in their name. After he was provided same on XX/XX/2022, he left a voice mail Thursday XX/XX/2022, acknowledging he received it and saying he could now speak with us and he would respond in writing to our request for a payoff letter, cancellation of the Sheriff sale and giving us 90 days to obtain a VA mortgage ( I am VA certified as a veteran. See attached ). In violation of 15 U.S.Code Section 1630g, 15 U.S.C. Section 1611, FDCPA ( 15 U.S.C. 1692c ( b ) XXXX XXXX, XXXX, XXXX XXXX, Bank of America XXXX has not responded to our calls, nor has the collection agency.

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
XXXX XXXX XXXX has reported my status as past 30 days delinquent. However this payment was made on time on the app. However it was never applied. XXXX XXXX  XXXX acknowledged it was an error and reversed the late fee, but said they could not reverse the credit reporting. Because of their error, my credit score has decreased by XXXX points! I have lost all of my credit usage with other cards, and now I cant even get a car loan. I have never missed a payment in my life. I am hoping you can fight for me to rectify this situation.

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 2022-08-31
Company: EQUIFAX, INC.
State: SC
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, XXXX XXXX, and XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
I have a credit card with Wells Fargo Bank.    A  pproximately one year ago I obtained this credit card, and it came with a 0 % promotional interest rate for 12 months.
For the past 11 months I have been making payments online through the Wells Fargo website.     My 0 % promotional interest rate expires on   XXXX   XXXX   XXXX     I w  ent to the Wells Fargo website to schedule a payment for my entire balance, {$9700.00}.
However, when I submitted the payment on the wells fargo website, I received the following message : " Requested transfer amount exceeds limit '' I contacted Wells Fargo, both their online banking department and their credit card department. Neither depart  ment was aware of any limit and/or why I received this message.   I had to then resort to contacting the credit card department and giving them my checking account routing number and account number to make the payment I did not receive a message of what the transfer limit was, or if there was any other way to accomplish this, merely that my requested transfer exceeded the limit.   T  he implication is that Wells Fargo is making it difficult and inconvenient for customers to pay large amounts on their account, resulting in possible interest charges to the consumer if they are not determined enough.
I also find it difficult to believe that neither the Online banking department or credit card department was unable to give me an explanation as to why I had received this message, and find it more difficult to believe that this issue was never raised previously by a customer to Wells Fargo, the implication being that Wells Fargo is well aware of this practice, the same way they were aware of the practice of opening up false accounts in customers nam  es

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 2017-08-28
Company: Synovus Bank
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
First Progress Platinum Credit Card states I have a balance of {$250.00}. 

The Credit Card I have is a Secured Card with a Cash Balance of {$300.00} To Secure the Credit Card. First Progress never made a refund of the {$300.00} Cash I paid to Secure the Card. 

There for I should have a Refund of {$46.00} returned to me with a XXXX Balance. 

First Progress kept the {$300.00} and reported to all Credit Agencies that I owe them outstanding Balance of {$250.00} but they forgot to State they Kept My {$300.00} I paid in the Beginning to open the Account. 

I want an Investigation into the Fraud they have committed in keeping My {$300.00} I already paid them. 

In Conclusion I want them to report to all 3 Credit Agencies I have A XXXX Balance and a Refund of {$46.00} Owed Me. 

Waiting for a reply, XXXX XXXX XXXX Account Number Credit Card : XXXX expiration XX/XX/XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Americas Car-Mart, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Company : America 's Car-Mart of XXXX MO XXXX Used car dealership ) Between XX/XX/XXXX to the end of XX/XX/XXXX. 
Vehicle ; XXXX XXXX XXXX XXXX ( XXXX XXXX  ) Price : just under {$11000.00} My credit was impacted wrong by unlawful report by both Dealership and lender due to dealership falsifying documents once vehicle was returned. The report was filed as repossession when in fact it was returned by me. The XXXX was a XXXX XXXX and when i took it for inspection the mechanic was checking the back brakes and realized the vehicles emergency break was not working properly and the only thing that was keeping the car still was a collapsed wheel hub that broke when he took tire off. So the only thing that kept the brake working was having the rear passenger tire on the hub so it stayed intact. Once i found out i just had my newborn son and when i took it back all the dealership had to say was why didnt you just keep it in gear so the car doesn't move. Knowing they sold me a faulty car that requires a XXXX XXXX since it is a XXXX XXXX they shrugged it off and i returned the vehicle. It was not repossessed because i didn't own it for more than month so i wasn't due a payment yet. This has messed up my credit and no one seems to care that this dealership risked our lives for a sale. I did not even realize this was a impact until recently when i started looking into getting a home loan and realized i have multiple credit reports when i only ever owned one credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
XXXX XXXXXXXX XXXX has reported my status as past 30 days delinquent. However this payment was made on time on the app. However it was never applied. XXXX XXXX XXXXXXXX acknowledged it was an error and reversed the late fee, but said they could not reverse the credit reporting. Because of their error, my credit score has decreased by XXXX points! I have lost all of my credit usage with other cards, and now XXXX cant even get a car loan. I have never missed a payment in my life. I am hoping you can fight for me to rectify this situation.

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 2022-08-31
Company: Flagstar Bank, N.A.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
All of this pertains to flagstar bank holding money from undisputed claims due to a hurricane. There has not yet been a settlement but rhe insurance company has agreed to some payments at this point. 
My home was damaged by hurricane ida. XXXX. A year later I am still fighting everything and attempting to make repairs. I have an attorney and mediation date set coming soon. The ins company issues an $ XXXX check for undisputed claims. It was of course written to the mortgage company and myself. They allow {$40.00} increments. I am at a point where I need the remaining money they are still holding. I have contacted them multiple times and each time I am given a different story as to what is missing that they need. My attorney has provided them with everything more than once. Every time I call it is something new and having to wait. Presently waiting in the same documents that were already faxed to them multiple times before the mortgage company inspector can schedule to come out and check on the progress and make sure a certain % has been done before there is thought of more money being cleared to be issued to me. This is money that they should not get to hold and make me wait on. I was told in one conversation that the inspector would call me within a week to schedule. Multiple weeks later after still no call, I called back and was told I'm missing information and they can't do anything further until they have it. Was told that without this missing paperwork - the inspector can not see if the things repaired were listed. I do not have a list of anything like that with specific money amounts to say what needs repair and in what order. Also was told they won't send an inspector out unto 80something % of repairs are done. I dont have them money to do 20 % of my repairs yet so that made no sense. My attorney sent them the info they requested yesterday and again today, this os the same info they received months ago, and again waiting until they get it to have an inspector schedule to come here then take days to finish his part then more days to allow the funds to be cleared to me before they can send it toe via us mail. There is a recording before each time I sit on 30 plus minute hold to speak with someone that says the conversation may be recorded. They should record all of them because their employees don't know the answers to customers questions yet they give answers they think are good enough- and not accurate! 
Undisputed claims money does not need an estimate or further paperwork. It's undisputed - I need it for repairs - to my home.

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 2017-09-09
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:
Potentially impacted by the security breach at Equifax in XXXX 2017. Went to their portal and entered my personal details. By Equifax 's assessment, my data may have been hacked and improperly released to outside parties. 

Checked my credit report with XXXX and nothing fishy as of yet, but I can not afford to keep buying credit reports once my 1 per year with the three credit unions runs out. 

I have also put a 90-day fraud alert on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: ONEMAIN FINANCIAL HOLDINGS, 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: Information belongs to someone else

Complaint:
In XX/XX/XXXX, I requested a copy of my full credit report, that 's when I noticed that they were inquiries on my report that I had not applied for ever. Since this came to my attention I have requested by certified mail onXX/XX/XXXX, from One Main Financial to provide me with copies of any documentation associated with this account bearing my, signature, authorizing an inquiry. Again I sen another certified mail dated onXX/XX/XXXX attempting a final goodwill gesture to allow One Main Financial to contact their erroneous reporting, and they did not do so. I also sent a certified mail to XXXX dated XX/XX/XXXX, and nothing has been done this stills continues to show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have had a CREDIT FREEZE on all 3 reporting agencies. The only one is TRANSUNION that let " XXXX XXXX '' ( XXXX XXXX  ) some how put hard inquiry on my credit report. How can a company get through a credit freeze that has been on for two years.

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 2022-03-05
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Sent this affidavit to Sallie Mae Bank in regards to proof of obligation to this alleged debt. 

XXXX XXXX } Sallie Mae Bank XXXX XXXX XXXX } XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX } XXXX XXXX XXXX UT XXXX Affidavit Request Proof Of Indebtedness *NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT* Date : XX/XX/2022 The undersigned Affiant XXXX XXXX XXXX herein after Affiant, does solemnly swear, declare and state as follows : Affiant is competent to state the matters set forth herein. 

Affiant has knowledge of the facts stated herein. 

All the facts herein are true, correct and complete, admissible as evidence and if called upon as a witness, Affiant will testify to their veracity. 

I am requesting your proof that I am the obligated party to repay this alleged debt. Please validate this alleged debt on account ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Please provide the original instrument of this alleged debt in its original form. Please be aware that any general accounting ledger, statements, or promissory note printed is not proof of obligation. Please provided proof by affirming you did not sale the original note and or transfer it to any third party. I am requesting this information in accordance with the Truth In Lend Act. I look forward to hearing from you. 

Thanks XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written to Portfolio Recovery SEVERAL times asking for VALIDATION of my debt and to get the original paperwork/contract. They continue to send letters that say that they have resolved my dispute. I did get a letter in XX/XX/2018 that says the account is closed, HOWEVER I feel that this account should be REMOVED from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
American Express stole {$4100.00} from me on XX/XX/2022. I changed banks and informed American Express of this and to stop debiting money from my XXXX  XXXX account as I had switched to XXXX XXXX XXXX. I gave American Express my new account number and authorized a payment in full on the phone from my new account. Despite receiving the money, they still debited the same amount from the other account ( XXXX XXXX ), and said I needed to be patient to wait after spending 3 hours on the phone with them. They were unable to give me the money back they stole telling me I had to be patient and wait up to three days -- which would push this past XXXX XXXX. 

This is illegal. It is a financial crime and I have reason to believe this is widespread at AMEX. All the representative would tell me is " oops, I see where they forgot to update the ach information ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had two business accounts with US Bank with over {$88000.00} between both accounts. Both accounts were open under two XXXX  that I created. I sold skin care products & beauty products through both sites. 
In XX/XX/2021 they froze both accounts due to possible fraudulent activity. 
They closed both of my accounts in XXXX and took all my entire over {$88000.00} out and sent me a letter saying both accounts were closed with XXXX balance! 
I have contacted them a few times since XXXX and they said they are in the process of sending back all my income!! I have asked for accounting numbers on returns and still am wondering how they could take all my money!!!!

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