BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: VA
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 dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations.I 'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Several disputes have been submitted to the credit bureaus but no resolve for items : XXXX XXXX Account # XXXX the accounts were opened in XX/XX/2016 should have fallen off by now, it is beyond the 7 years according to the FRCA 5. Credit bureaus must delete outdated information after certain periods of time. 
The FCRA specifies how long credit bureaus can keep certain types of information on your credit reports. Negative information generally must be removed after 7 years. 

CAPITAL ONE Acct # XXXX - Opened XXXX..it is beyond the 7 years according to the FRCA 5. Credit bureaus must delete outdated information after certain periods of time. 
The FCRA specifies how long credit bureaus can keep certain types of information on your credit reports. Negative information generally must be removed after 7 years. 

XXXX XXXX - Acct # XXXX- Account is paid in full and still showing late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: U.S. BANCORP
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:
I had several credit inquiries conducted on me recently, and a credit line was opened using my name, but NOT BY MY REQUEST, apparently were identify theft issues. These credit inquiries were from : XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 A charge card account was actually approved by the XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/2023, and a request to change mailing address for this fraudulent account was submitted by the offending party. I have contacted XXXX to request the account be cancelled.

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 2023-08-03
Company: EQUIFAX, INC.
State: NM
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 un 15 USC 1681. 

Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 15 U.S.C 1681 States that I have the right to privacy.

15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 and 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 ) (! ) A personal 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 non-monetary relief
Consumer complaint received 2023-05-05
Company: V and H Portfolio
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I decided to check my credit report and noticed that a company by the name of VANCE AND HUFFMAN LLC was listed on my credit report as a collection. I have never heard of this company before, nor have I made any agreements with this company. On XX/XX/2022 I Mailed a Certified Letter out to VANCE AND HUFFMAN LLC disputing this debt which I have no knowledge of. They mailed me a letter which showed payments for another company which I have no knowledge of, along with a signature that was typed out claiming that it was mine. I decided to send another certified letter on XX/XX/2022 because I couldn't understand why they were sending me a document with a bunch of payments listed along with a fake signature. I received a letter back stating that there was nothing they could do. A couple days later I received a letter in the mail telling me that I need to make a payment. This company is reporting false information on my credit report and it is really causing me a tremendous amount of stress because I am getting turned down for things that I should not get turned down for. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an account with Comenity bank, which is a store card for Zales. I have two promotional balances on this account currently and have faithfully paid on time and well over the minimum required balance. Unfortunately, Comenity continues to split the payments between the two balances instead of applying the payments toward the promotional balance that ends on XX/XX/XXXX. I called last week to ask why this is and got an explanation of their policy and the agent admitted that the payment allocation does follow the policy. On that call, I confirmed the remaining balance for that promotion was {$85.00}. I made a one time payment on that call for the amount of {$85.00}, which I was told would pay off that promotional plan. I also had another scheduled payment after that for XXXX posted on XX/XX/XXXX. I called today, XX/XX/XXXX and was told there is still an XXXX balance on the promo ending on XX/XX/XXXX. The rep, XXXX XXXX, stated I will find out how my last two payments were applied on my next statement. She refused to provide confirmation in writing that they applied the payment to the promo ending on XX/XX/XXXX. She also refused to provide a physical address for Comenity Bank so that I could send a XXXX request for information. 

Of the {$75.00} paid on XX/XX/XXXX, only XXXX was applied to the promo ending on XX/XX/XXXX and XXXX was applied to the promo ending on XX/XX/XXXX. 

Payment made on XX/XX/XXXX for {$75.00} was applied as XXXX toward the promo ending on XX/XX/XXXX and XXXX applied to the promo ending on XX/XX/XXXX Both of the statements with the above payment applications warn me to pay off my promo balance soon but fail to provide me a way to do so. The reality is, both of those {$75.00} payments should have more than paid off the remaining promo balance that ends on XX/XX/XXXX. 

I have attached the statements showing how these payments were applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: CUSTOMERS BANCORP, INC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2023 I was pre-approved for a {$50000.00} personal loan via XXXXXXXX XXXX website. 

They kept asking for more proof of income. On XX/XX/XXXX I received an adverse action notice from Customers Bank. 

I wrote Customers Bank a notarized letter to the address they provided, stating they are in violation for denying a consumer an extension of their own credit. I also pointed out this is a credit card fraud problem as well, since I gave them my social security number ( credit card ), which they ran but did not provide me any benefit at all. 

I offered them 10 days to either deposit {$50000.00} into the checking account they have on file from my application, or to respond via affidavit with proof of their exemption from consumer protection laws. 

On XX/XX/XXXX I received an email from XXXX simply stating " a XXXX member may reach out to you. '' It's been over 2 weeks and I haven't heard anything since. 

I just checked my XXXX online profile, and it still shows I am denied.

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 2023-05-05
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
This is the second issue I have received. The first one was a Chase debit card for a checking account that I never opened and I contacted Chase and got it cancelled. Now, today, I received a Chase Freedom Unlimited credit card. I have never applied for either of these accounts, and I am worried that my social security number is out there and someone is applying for these in my name. What do I do at this point?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: NV
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 want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had a payment agreement on two cards with Barclay 's Bank. In XXXX, I changed my bank account to another bank, and in my error, forgot to update that with Barclay 's. However, I was never notified from Barclay 's that this payment was no longer active and the accounts are now reporting as negative / past due. In fact, I'm receiving confirmations of the payment being due / scheduled each month still via email.

Additionally, the charging privileges on these cards were to be restored after one year of successful payments, yet, three years later, I'm still waiting for those privileges to be restored.

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 2023-08-04
Company: EQUIFAX, INC.
State: LA
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  TX XXXX XXXXXXXX  XXXX Balance : {$4300.00} XXXX XXXX Balance : {$730.00} XXXX XXXX  XXXX Balance : {$5400.00} - XXXX XXXX XXXX XXXX Balance : {$9900.00} XXXXXXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: EQUIFAX, 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report. Thank you. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last year XX/XX/2022, I applied for a XXXX removal. I was asked to pay for the appraisal. After paying out of pocket for the appraisal, my equity was still under 20 %. To go over 20 %, I called in XX/XX/2022 and paid on the phone an additional amount towards the principal o make sure I had over 20 % equity and requested XXXX  removal. The XXXX was never removed, and they have kept charging me for XXXX  even after over a year. I have called customer support numerous times. However, they haven't fixed the issue. According to the support, this was a mistake from the support person on the call as they did not pay the whole amount towards my principal and skipped that month 's automatic monthly payment. I keep getting told this will be fixed, and every few weeks receive a call from one support person. However, it has been over 2 months since I called them back again. Please help me get this issue fixed, and I should be refunded the last 1 year of PMI insurance payments. Below is the additional payment info from XX/XX/2022 when I paid the addition principal to go over 20 % equity. 

Additional Principal XX/XX/2022 {$41000.00} {$41000.00} {$0.00} {$0.00} {$0.00} {$440000.00} Lender Paid Expense XX/XX/2022 {$500.00} {$0.00} {$0.00} {$0.00} {$500.00} {$480000.00} Additional Principal XX/XX/2022 {$3300.00} {$3300.00} {$0.00} {$0.00} {$0.00} {$480000.00} Payment Reversal XX/XX/2022 ( {$3300.00} ) ( {$780.00} ) ( {$1400.00} ) ( {$1000.00} ) {$0.00} {$480000.00} Unapplied Funds Payment Reversal XX/XX/2022 ( {$500.00} ) {$0.00} {$0.00} {$0.00} ( {$500.00} ) {$480000.00} Principal Payment Reversal XX/XX/2022 ( {$41000.00} ) ( {$41000.00} ) {$0.00} {$0.00} {$0.00} {$480000.00} Additional Principal XX/XX/2022 {$41000.00} {$41000.00} {$0.00} {$0.00} {$0.00} {$440000.00} Lender Paid Expense XX/XX/2022 {$500.00} {$0.00} {$0.00} {$0.00} {$500.00} {$480000.00} Monthly Payment XX/XX/2022 {$3300.00} {$780.00} {$1400.00} {$1000.00} {$0.00} {$480000.00} Monthly Payment XX/XX/2022 {$3300.00} {$780.00} {$1400.00} {$1000.00} {$0.00} {$480000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Waypoint Resource Group, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original Creditor : XXXX XXXX ( XXXX ) Account : WAYPOINT RESOURCE GR Date opened : XX/XX/2022. 
Balance : {$160.00} I have disputed 3 times with XXXX company including 2 times online and XXXX time in the mail to XXXX XXXX XXXX XXXX XXXX said it verified it belonged to me. But I am just a college student, and no job to open XXXX alone. I am using everything with my family, so my parents and my older sister paid for everything for me. My sister have a very good score to buy a house and a good job in XXXX. I believe this account from someone and it does not belong to me

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 2023-08-05
Company: TransferWise Ltd
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to report a grievous issue with Wise.com related to two wire transfers I initiated on XX/XX/XXXX, for amounts of {$15000.00} and {$15000.00}. The Wise.com app indicated that the transfers would be completed within 45 minutes and 2 hours respectively. These transactions were wired to a XXXX XXXX account in Wise.com 's name. 

Despite waiting through the weekend, the funds were not transferred. Upon contacting Wise.com, they denied receiving the funds and advised me to check with my bank. I shared the wire transfer instructions and confirmation with Wise.com, after which they confirmed the correctness of the account number used. 

I contacted Wise again on XX/XX/XXXX, and they reiterated that they had not received the funds and suggested my bank should be able to trace it. My bank reviewed the transaction and confirmed the wire was sent to the intended account, which Wise.com had previously confirmed. 

On XX/XX/XXXX, Wise.com still denied receipt of the funds and suggested I initiate a trace of the wire and a potential recall. I followed their advice and initiated a trace with XXXX XXXX through my bank, XXXX XXXX. 

Even after providing Wise with the wire transfer confirmation and federal trace number, they maintained they had not received the funds and made no attempts to contact XXXX XXXX to trace the money. 

Wise.com has now advised that I initiate a recall which could take several weeks. They also stated that if the recall is unsuccessful, there will be no way to recover the funds. Despite multiple confirmations from different Wise representatives that the account used for the wire was correct, Wise.com appears to be shifting the burden onto me and making no effort to locate the funds. 

The misleading transfer time advertised and their lack of effort to resolve the issue have caused significant frustration and inconvenience. I hope that CFPB will help in resolving this matter. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation