BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
State: CA
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, and 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 # XXXXXXXX XXXX XXXX XXXXXXXX, and 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.

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 2022-07-16
Company: EQUIFAX, INC.
State: MI
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 was told my credit was going to be ran once for auto loan it then was ran multiple times through 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
Consumer complaint received 2022-03-22
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-03-22
Company: Western-Shamrock Corporation
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Western finance recently started charging a fee for paying by debit card. The other companies dont do that. Also I have made contact and tried to work it out the guy was very rude and wouldnt let me speak. I told them I would be in when they dropped the charge to use the debit card. He called my references without even calling my number. After I already had spoken to him. I called this morning first thing and he wouldnt let me speak. I told him I work on the road and they never charged a fee before. Then again he called multiple references without even calling my number back to get ahold of me. Why the XXXX call references when I just spoke to you. And not even call my number back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Experian for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX Late Date 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 2016-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1. Refusal to resolve problems, refusal to return phone calls addressing phone issues depite promises to the contrary 2. Placing overpayment when account is in good standing and regular payment was made into " borrower unapplied '' for several months instead of applying to principal as requested 3. several fees appear on customer account activity statement F/C and B/R expense ; corp advance adjustment and captial one refuses to explain what the fees are or why the fees do not appear on mortgage loan statement 4. collecting more in escrow than they are entitled to. The annual property tax is {$18.00}, XXXX and the Annual Hazard ins is {$4700.00} yet approx {$35000.00} has been collected. Approximately more than {$10000.00} has been fraudently assessed and stolen by Captial one for the year to date 5. Due to my complaints refusal to send lastest mortgage statement in retaliation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

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

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 2022-07-16
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX ( Hard Inquiries are listed below 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 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 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Capital one reported, to XXXX  and XXXX, on XX/XX/2020, that my accoint was delinquent, but it wasn't, AND, I had just made a payment to them, on the same day. Plus, I had 5 more days until my payment was actually due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: General Motors Financial Company, Inc.
State: GA
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 made a settlement agreement with GM Financial. The amount agreed upon was honored and paid. this should be reported on my credit report as settled and zeroed. GM Financial has since updated my credit report showing a balance less what I paid. I can not get this resolved with either experian or GM even after uploading proof documents to experian

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The Honorable to CPFB : I write filling out of extremely dual complants of unfit XXXX resident report to XXXX. XXXX & Speaker XXXX XXXX address along with Chase Bank addresses XXXX XXXX XXXX and XXXX XXXX in XXXX of horrible dishonored address of XXXX XXXX XXXX as they rejected me of a reward {$300.00} in recorded notice as I felt discomforted with Chase Bank. I complained with XXXX assigned me XXXX was past customer so a past customer signed up Chase account as I received a message from Chase Online Identification Code XXXX Enter online at prompt or in password filed at logon. Tell XXXX changes my mobile number at immediate action as local XXXX staff ca n't trust me as they refused to change different number due of unfitted XXXX resident notification to XXXX. Senators at formal requests. I felt dishonored by Chase Bank which they turned me down Bank application through online as went to local XXXX Bank that most male staffs acted in rudeness as do not interest in my ugliest appearance why I walked in Chase Bank in last month of XXXX 2015 as they made me in dishonored message so I left Chase Bank looks more unfriend society. I can not alone in Chase Bank telling XXXX Male Attorney, as they laughed at me in looking isolation as they may not like me to be around and in Chase Bank situation in XXXXXXXX and XXXX XXXX. Most of male officials at Chase Bank in XXXX XXXX and XXXX XXXX, and XXXX Bank in XXXX XXXX avoided and unfriend society and do not allow meeting me helping as they gave me full of extreme dishonored messages. They made unwelcomed me in Chase Bank at XXXX XXXX on XXXX XXXX and XXXX XXXX last month of XXXX 2015 as extremely avoided me in ugliest appearance as they do ignored strongly as most employees in bad aggressive against XXXX XXXX XXXX. I am victimized harmed from Chase Bank officials in rudeness against XXXX XXXX XXXX notifies to XXXX. Senators and Speaker XXXX XXXX in XXXX XXXX forward responses to XXXX Elected Officials allowing report to appoint to XXXX Male Attorney why reported to XXXX. XXXX XXXX XXXX in your following up report responses in enforcement law seriousness matters what I was harmed not appreciated with Chase Bank turned me away from them!

Company response to consumer: Closed
Consumer complaint received 2017-05-26
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I initiated a cash-out-refi on a  Wells Fargo owned condo mortgage. My personal creditworthiness is outstanding. Employment, ann ual income, on time mortgage payments and  XXXX   credit score are  all verified. The condominium is my primary residence and only propert y. Wells Fargo bought  my mortgage in   XXXX   as the original mortgage broker was too small to service the loan.  XXXX   XXXX  is the date I started sending documents  to Wells Fargo. As of  today,  XXXX   XXXX , I received an e-mail from  XXXX   XXXX  informing me tha t Wells Fargo un derwriters could not approve the refinance because the  " Fidelity Bond Insurance '' policy wa s not in the name of  XXXX   XXXX , but rather in the name of  XXXX   XXXX   ( th e company that provides  HOA servic  XXXX  to  XXXX   XXXX   ).   XXXX   XXXX  has NO Employees and therefore needs no fidelity bond insurance.  XXXX   XXXX  IS covered.  XXXX   XXXX  an d Wells Fargo  have been negligent in their duties to properly handle this refi attempt. I should not have had to wait 38 days to find out they ca n't refinance THEIR OWN MORTGAGE because of some semantics issue o ver fidelity bond insurance.

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
Consumer complaint received 2020-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Please remove these accounts as they aren't mine.

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 2022-07-16
Company: Phoenix Financial Services LLC
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have not received a validation letter from the collections company XXXX Phoenix Financial XXXX ) via mail or electronically. They opened this debt on my account on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As reflected in the attached letter dated XXXX XXXX, XXXX, XXXX states, on its Company letterhead, " We previously sent you a letter on XX/XX/XXXX as a first notice of placing your account with collections with PDQ Services, Inc ''. Their response that it was with another agency to my complaint is completely inaccurate and false. The actual letter sent by PDQ is attached, for the second time, to this complaint as proof to the Bureau of Consumer Financial Protection that PDQ did in fact hold the debt and try to collect on XXXX XXXX, XXXX. PDQ is using ruthless tactics and bad faith when listing the date as occurring on XXXX XXXX instead of XXXX XXXX. This keeps the account listed on my credit report for an additional 2 years as a collection and delinquency -- there 's extending the credit reporting date. PDQ 's possible subsequent re-acquisition date with the dental clinic is PDQ 's complication, not mine, the consumer. PDQ must update the credit file to reflect the accurate date of initial collection as XXXX XXXX, XXXX, not XXXX XXXX, XXXX as it is currently listed on my credit file. Next, as reflected on the attached bill dated XXXX XXXX, XXXX, the account balance is {$490.00}, not the {$370.00} as stated above in their response to my complaint. Once again, acting in bad faith by trying to collection more than the actual bill. How does the Company explain the difference? The bill is for {$240.00}. Not {$370.00}. I will file a separate complaint against the dental clinic. This Company, PDQ, is ruthless and harassing in its collection efforts. Do they inflate the amount owed and prey on consumers that have hit hard times, then later " settle for an amount '' less than the stated value, thereby tricking the consumer? The issues : The Company is purposefully reporting this account as first going into collections on XXXX XXXX, XXXX, after the initial letter written by them on XXXX XXXX, XXXX thereby adding 1 year, 10 months and XXXX additional days to report and collect the debt. The response from PDQ is dishonest and inaccurate when stating they did n't have the collection account in XX/XX/XXXX as the letter written on the PDQ letterhead proves otherwise. This Company must accurately reflect the initial date of collection. Id like an investigation into their billing and reporting practices to find out how many consumers they have practiced these ruthless and unethical tactics with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Experian Information Solutions Inc.
State: NV
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:
Please remove these accounts as they aren't mine.

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 2022-03-22
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AN ACCOUNT IS BEING REPORTED ON MY CREDIT REPORT, I HAVE SENT MANY LETTERS ASKING HOW THIS ACCOUNT BELONGS TO MY AND IF ANY DOCUMENTATION COULD BE SENT TO VALIDATE THIS ACCOUNT. I HAVE NOT RECEIVED ANY INFORMATION. I HAVE SENT IN FTC REPORTS AND POLICE REPORTS AS PROVE AND IT AS GONE UNFOUNDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: NAVY FEDERAL CREDIT UNION
State: DC
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: Card was charged for something you did not purchase with the card

Complaint:
There was fraudulent charges made on my Navy Federal Credit Union credit card that was opened on XXXX XXXX due to identity theft by adding themselves as an authorized user and they charged up XXXX and have tried several times to have this removed from my credit report with all three major reporting agencies as well with the merchant. They refuse to remove this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Select Portfolio Servicing is supposedly the servicer on an alleged loan. Whether there is a loan or not is not at issue here. On XXXX XXXX, XXXX, SPS modified said loan on behalf of the " owner of the note ''. At the time, this was supposedly some version of a XXXX Bank XXXX. On XXXX XXXX, XXXX, some random company called XXXX sent a letter stating SPS was actually the owner of the note. I would like to know what exact insurance payouts were made on this account please by whatever 3rd parties or government entities may have insured the note, mortgage or related documents. I would also like to know if TARP funds were used towards any portion of this account please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
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:
Equfax has refused to dispute a item on my credit report and ask me to resend the documents again and again after my hard money is spend with my debit card and I barely have any money in my checking account and unemployed right now and they received my documents on the XXXX and told me it was invalid for unknown reasons and wouldnt dispute XXXX XXXX This account is not in dispute Equifax wont remove it or dispute it and I dont have to resend documents over and over and I send the recent documents on the XXXX XXXX and the agent from office of consumer affairs was rude to me and disconnected the call on me twice and wouldnt track my mail and I told him I want speak to us dept and he refused and hang up on me Certified mail tracking number XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation