BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-21
Company: EQUIFAX, INC.
State: AL
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:
This complaint is being filed against Equifax in regards the erroneous information/accounts that are repeatedly being reported on my credit report ; thus adversely affect my credit. In addition, I have disputed the following accounts XXXX XXXX XXXX for {$650.00}, XXXX XXXX XXXX for {$230.00}, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX with Equifax on four different attempts to correct their inaccuracies. However, Equifax have refused to delete the above mentioned accounts that DO NOT BELONG TO ME! In addition, I have asked them to provide me proof of the reported accounts that allegedly being reported as verified by the information furnisher to them. Ive also contacted the creditors who have also refused to provide me with verifiable proof of the original contract alleging the reported debt. Furthermore, during my 3rd letter of dispute, Equifax failed to provide me a timely respond. Not only did they not provide me a responds with 30 to 45 days, I had to write them again to inform them that they failed to respond. Still the above mentioned accounts remain inaccurate on my credit report. These accounts do not belong to me! According to Section 611 ( 5 ) ( A ) they are REQUIRED by the Fair  Credit Reporting Act to delete any account that can not be verified. Thus, Federal Case Law also states, Consider Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibilities must consist of something more than merely parroting information received from other sources. If Equifax claiming the account verified, how was it verified and by what method did they verify? Why cant they provide me with the original signed contract as Ive asked repeatedly, for they have none! Ive asked the creditors and credit bureau for the Original Contract both have refused on four occasions. This is my final attempt to resolved this issue. I have documented my efforts to resolved this manner very well to date. Please help me resolve this issue, as I demand that the above mentioned accounts be deleted immediately! Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: World Omni Financial Corp.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the XXXX  , XXXX  in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXXXXXX  can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: EQUIFAX, INC.
State: TX
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 been in contact with equifax numerous time about errors on my report. I have done all their steps to get issue resolved however every time i call, i speak with a different person who providers different information.The are a numerous inquiries on my report that was not authorized by me and when i tried to reach the companies they can not locate me either. The companies   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2022-03-11
Company: EQUIFAX, INC.
State: NC
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:
due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all 3 bureaus which i will include in this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My phone alerted me that money was being taking out of my account from chime. I reported it to them that {$2500.00} had been taking out my account twice by a hacker or error. They told me that they didnt see an issue/problem and then told me I didnt have case. I need that {$5000.00} it was the money I received after my car got totaled and for a new XXXX plus to pay my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am writing about an unfair, deceptive and abusive practice related to identical savings products offered by Capital One. Capital One is paying a material interest rate difference between their 360 XXXX XXXX account and their 360 XXXX account. The XXXX account is currently paying 1.75 % and the 360 XXXX account is paying .8 %. My wife and I have been Capital One savings customers for many years and trusted them to treat us fairly. Imagine my surprise after learning about the XXXX XXXX account paying XXXX basis points more than our 360 XXXX account. The accounts have the same requirements, features and functions. 

Clearly someone made a marketing/product decision to create a discriminatory process that rewarded new accounts and left existing, long term loyal customers with a much lower rate unless they searched out and found the new 360 XXXX product paying a much higher rate. I discovered the new product has been offered since XX/XX/2019. This new product was not marketed to existing customers as a product that would be paying a much higher rate than the 360 XXXX  account. If it had been I would have converted our accounts 3 years ago. This is an unfair, deceptive and abusive practice targeted against Capital One customers. If you checked demographics of the customer base in the two products I suspect you would find an older demographic in the lower interest rate product creating an elder abuse type situation. 

Upon learning about this situation I contacted the help center and they explained that I needed to open new accounts and transfer my balances in order to earn the higher rate. My concern was with the 3 years of lower interest rate that we had been getting paid on approximately {$800000.00} in balances. I escalated the issue to Executive management XXXX XXXX, XXXX, and XXXX XXXX, Marketing to no avail. My request of their executive complaint assistant was to perform a 3 year look back and make a credit to our accounts for the interest rate differential. They were not willing to do any research on the accounts to calculate the interest rate differences but given the current XXXX basis point difference I suspect it cost my wife and I tens of thousands of dollars in foregone interest while Capital One was unjustly enriched. We have moved the majority of our balances from Capital One as we have lost our trust in their management to act fairly and equitably with all customers. 

This is a systemic issue for all Capital One 360 XXXX  customers. The CFPB should perform a full review of this situation given the negative impact to consumers and the unjust enrichment of Capital One. I will also be sharing this complaint with the OCC, Federal Reserve, the Senate Banking Committee and House Banking Committee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX XXXX Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from WFDS which was made on XXXX XXXX/2016. I checked my credit report, which I acquired from XXXX. I have contacted WFDS, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,

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 2017-06-21
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have repeatedly reached out to Jefferson Captial systems regarding a collection ( debt ) listed on my credit report for {$1100.00}. Jefferson Captial Systems can not validate that I directly owe them a debt. The original creditor is XXXX XXXX & by law if you are not the original creditor you can not collect a debt that it not solely owed to you. XXXX XXXX has received their funds. I would like this company to remove the negative, enormous information fron my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all 3 bureaus which i will include in this report.

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 2018-06-11
Company: Lending Club Corp
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was doing online inquiry in relation to a real estate purchase and I contacted support informing them the numbers were incorrect/old and told them I submitted page to proceed only to find the terms. They did not communicate with me and continued to process the loan. They sent an email in reply to the support request the day they processed the loan. I never agreed to finalize the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My consolidated student loans included my ex-husband 's loans which, in the divorce settlement, I was responsible for paying off. I've paid for years on my loans beginning in the XXXX. When suspensions on student loans began due to Covid I diligently saved money in order to put down large amounts toward my consolidated loans. On XX/XX/XXXX I contacted fedloan servicing to ask for guidance on paying {$25000.00} toward my consolidated loan with the specific request that my ex-husband 's loans be paid off first, and the rest put toward paying off my loans. Then I learned about the PSLF forgiveness program which I applied for having worked in government and non-profit my entire life. I was notified in XX/XX/XXXX that I was eligible for loan forgiveness based on my work history and the number of payments I made on my loans. With this forgiveness I learned that the {$25000.00} that I paid on the consolidated loan was not used to pay off my ex-husband 's loans but only used toward my loans so, after the loan forgiveness I am left with {$14000.00} to pay off. I again applied for PSLF loan forgiveness but have not received it as of yet. I have written and called and receive no assistance or a re-distribution on my {$25000.00} payment. It's very frustrating especially because I an now retired with a very small income. Is there anything your organization can do to help with this situation? My student account number is XXXX. My name is XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was affected by the XXXX XXXX and fell past due on XX/XX/XXXX when I was forced to take time off so my income decreased. I have been requesting for XXXX XXXX relief from XXXX since then and all they did was place me on a forbearance with no modification help and the end but continue to demand the entire balance owed. I recently submitted on XX/XX/XXXX and was immediately denied for modification options and any home retention options. I have offered XXXX  {$4500.00} to contribute towards the past due but refused to review me for a repayment plan or even consider my request but are more interested in the foreclosure of my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I noticed purchases on my Wells Fargo debit card from a merchant I have never used or heard of on XX/XX/2022. I did not authorize these transactions. I filed a debit card fraud claim on XX/XX/2022. There was a total of 35 fraudulent transactions from XXXX. The total amount of fraud was {$7500.00}. 

On XX/XX/XXXX Well Fargo denied my claim. I requested to talk to a supervisor and requested an appeal. My request was denied. I was told there was nothing he could do and the decision was final. Their reason was it matched previous purchase patterns and they were not able to recover the funds from the merchant. 

I have never done business with the merchant in question. No one else is authorized to use my card. My card never left my possession. 

Since Wells Fargo wasn't able to recover the funds they're holding me responsible. I feel like my money is unsafe being stored at Wells Fargo at this point. Not sure what else I can do. Please help and thank you!

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 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-11
Company: CORELOGIC 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: Information belongs to someone else

Complaint:
I noticed unauthorized inquiries on my report. 

XXXX XXXX XXXX XX/XX/XXXX CREDCO XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

Company response to consumer: Closed with explanation