BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had a car loan through capital one auto finance. I originally got the vehicle in XXXX. Throughout the time I had the car, I was struggling due to the pandemic, I fell behind and it was very tough to stay current on payments, I did my best to make payments and get caught up but the pandemic made this very difficult. From XX/XX/XXXX through XX/XX/XXXX I made late payments. I was in contact with capital one auto finance regarding my hardships. They had waived late fees and had tried to put payment plans in place. They still made negative reports on my credit regarding this situation, knowing that the cares act protects situations like this. When calling to and speak to them now that the loan has been satisfied in full, they wont provide me with a deletion letter or do anything to remove the negative marks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called my mortgage lender on XX/XX/2023 to remove the PMI from my mortgage because my property has increased in value. They send me 2 documents to sign and I sent them and agree on an appraisal of my property with a value of {$190.00}, which I made the payment by phone on XX/XX/2023. I called XX/XX/2023 to verify the status and they tell me that it can take up to XXXX months for the appraiser to call me to remove the pmi.

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 2023-07-19
Company: Complete Credit Solutions, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX  applied a balance on my credit report of XXXX on XX/XX/XXXX, For a company call XXXX XXXX XXXX... last reported on XX/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 explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
THIS ACCOUNT IS IN MY RECORD FOR ORE THAT 7 YEARS THIS IS ILEGAL ACCOUNT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am writing about experience inside of Bank of America Branch. I went inside the branch, and was waiting to speak with agent when someone who was inside the branch already started to threatening, and being abusive to me. The scary part is no one inside the branch intervened or stop abusive behavior. The branch manager and teller didnt say anything at all while the person came closer to try to hit me. 

I called the bank multiple times to speak with the manager but no one is answering phone. 

This BOA branch has horrible customer service, and This experience left us to believe its not safe place. 

Bank of America Branch address : XXXX XXXX XXXX XXXX, XXXX, GA 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 2023-10-21
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23, I ordered 8 pairs of leggings for XXXX a pair from a company called XXXX. and they only mailed me one pair. So, I contacted the merchant and asked for a refund for the remaining pairs because one ; it took forever for the 1 pair to come and two ; if you go on XXXX and XXXX they have been scamming people this way for the longest and for cashapp to keep denying my claim for a refund, when they are not even asking for my proof of a company defrauding many of people and blatantly stealing from hardworking people, I guess cashapp must be getting a cut from the sales to not want to give a refund when I have proof of these scammers!! I just want a refund! Also, I made a complaint with XXXX  and now out the blue I can't use my card and nor will they give me a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have took a look at my credit report and found some fraudulent accounts that I did not authorize to be opened and opened in my name. Its very frustrating to not be able to qualify for certain things because of these fraudulent accounts on my report. I just had a daughter and need to provide for my family. These fraudulent accounts are holding my life 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 explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request the Credit Reporting Agencies that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$740.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX  XXXX Balance Owed : {$22.00} XXXX XXXXXXXX Balance Owed : {$0.00}

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 2023-09-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.

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 2023-07-19
Company: Resurgent Capital Services L.P.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Previously disputed account with XXXX asking to verify or delete because I do not recall having this debt. Account reported only by XXXX and stated as Closed account payment status of collection charge off with a credit limit of {$250.00} and last payment done XX/XX/19. Reporting account purchase by another lender. I hav not received any document stating my signature making me responsible to this debt... ..*Credit report is currently reporting account with all three bureaus and stating account as closed while derogatory and collection by XXXX while Open, derogatory and collection by XXXX and XXXX all at the same time. There is no way that account can have a balance of {$470.00} if credit limit was showing as {$250.00} Currently account is reporting as account in collection with a pass due. There should not be payment history, pass due nor late payments reporting especially on a dead account. XXXX is reporting consecutive charge off on a closed and dead account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, These accounts on y credit report aren't accurate. I don't recognize any.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$20000.00}

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 2023-07-19
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: CA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and Equifax are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 If XXXX and Equifax feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$1300.00}

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 2023-07-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I set up monthly payments with Navient Student Loans. These are interest only payments as I can not afford anything else due to losing my job during the covid pandemic. 
I have attached the confirmation below. 

Today XX/XX/XXXX Navient contacted my younger brother at his place of employment asking for {$600.00} towards my student loan debt. My brother is not a cosigner nor is responsible for making payments on any of my finances. 

According to 805 ( b ) of the Fair Debt Collection Practices Act, it is illegal for debt collectors to call your family members to discuss your debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM XXXX XXXX I HAVE SENT MULTIPLE LETTERS TO THE BUREAUS BUT I DO NOT RECEIVE A RESPONSE. SOMEONE TOLD ME THAT THEY ARE SHREDDING LETTERS THAT THEY THINK IS FROM A THIRD PARTY. HOW CAN THEY DETERMINT THAT? I AM THE ONE SENDING MY LETTERS AND THEY ARE VIOLATING MY RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, This list of accounts below has violated m t federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account name : XXXX XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type : Auto Loan, Date open : XX/XX/XXXX this company has violated my rights. 
2. Account name : XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type : Credit Card, Date open : XX/XX/XXXX this company has violated my rights. 
3. Account name : XXXX XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type : Credit Card, Date open : XX/XX/XXXX this company has violated my rights. 
4. Account name : XXXX XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type : Auto Loan, Date open : XX/XX/XXXX this company has violated my rights. 
5. Account name : XXXX Funding, First 6 numbers to Account number is XXXX, Account Type : Auto Loan, Date open : XX/XX/XXXX this company has violated my rights. 
6. Account name : XXXX XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type : Credit Card, Date open : XX/XX/XXXX this company has violated my rights. 
7. Account name : XXXX XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type : Auto Loan, Date open : XX/XX/XXXX this company has violated my rights. 



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

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without written instructions. So therefore, I have not provided any written instructions to do so.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing ant 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 ant 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 2022-12-21
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received an email from XXXX XXXX deposit on at night on Tuesday XX/XX/22 Which is 1 day earlier than I normally get paid. So I logged on to my XXXX XXXX to pay remainder of my rent but my XXXX XXXX XXXX  kept getting declined. So I waited for Wednesday XXXX  XX/XX/22 to call and verify what was going on as I knew I had funds in the account as my payroll was deposited. Side note I have been using XXXX XXXX checking & prepaid debit card for over XXXX yrs now and have been getting payroll from same employer for over 6 years. I called & was advised by XXXX representative that I was at or very close to the $ XXXX annual limit & because my payroll was paid 1 day early that the account was locked and under compliance review.This blew me away as I didn't get an email alert, written correspondence or anything advising of this. They just locked/ froze my acct. If I had been given heads up I could have switched my payroll to my regular bank so that I could access funds to pay daily living essentials. This has put me on a bind caused me to have to pay additional late fees. All my money is tied up and I can't pay for my living essentials. My account HAS BEEN locked for 30 days now. I was advised by multiple representatives & supervisor XXXX ( XXXX, & XXXX ) To name few that the review on my account should have taken XXXX business days from Wed XXXX which would have been Friday that XXXX XXXX could have closed my account as requested and send me a check of my funds that were in the account. I FEEL THAT THEY ARE HOLDING MY MONEY THAT IVE WORKED HARD FOR and are being unresponsive in giving me an exact accurate time frame to release my funds close the account and send me my money via check. It has been over a week now that my account has been locked with no update or call. I just want the account closed and my money Sent to me via check Asap Desired Outcome/Settlement Desired Settlement : Other ( requires explanation ) XXXX XXXX to release my money And Close the Account asap ; Contact by the business ; Refund

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Company response to consumer: Closed with explanation