BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 been resolute in my efforts to rectify the presence of these unrelated accounts on my credit report. Despite my repeated attempts to dispute them, these erroneous accounts persist on my credit history. Furthermore, I've proactively lodged several reports with the FTC concerning these accounts, which have no legitimate association with me. 

Regrettably, these companies have chosen to disregard their legal obligation to address these disputes, a requirement mandated by law. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2023-06-28
Company: Experian Information Solutions 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: 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. The 3 credit bureaus are required to authenticate the accounts 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. 
XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXX XXXX Balance Owed : {$4200.00} ; XXXX  XXXX XXXX Balance Owed XXXX {$12000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$2700.00} 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 2021-08-09
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I accidentally transferred {$15000.00} to a closed citibank checking account ( XXXX ) from my XXXX XXXX. Citibank wont reverse the transfer and won't give me my {$15000.00} back. Please help getting my fund back. Thanks.

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 2021-09-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
onXX/XX/XXXX I sent in a dispute requesting that they delete the public record due to incorrect reporting between the credit bureaus. I sent in proof and ask for an immediate deletion. Results came back and nothing was changed. This inaccurate reporting is wrong and goes against the law. I also have two credit reporting incorrectly XXXX XXXX XXXX. Attached is the information that is reporting incorrectly. Please help me remove this inaccurate information. 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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was going through my credit report and notice some wrong information on all 3 credit reporting agencies ( XXXX, TRANS UNION, and XXXX ) that I am requesting that they are investigated and removed.

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 2021-09-29
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX IS VIOLATION of MY CONSUMER RIGHTS XX/XX/2022 XXXX XXXX XXXX  reported that I was late making a {$47.00} payment. THIS IS NOT TRUE OVER THE YEARS I HAVE NEVER BEEN LATE ON THIS ACCOUNT UNDER 15 USC 166B THIS IS A BILLING ERROR ALWAYS PAID AS AGREED ON TIME. THIS IS ASN ERROR THIS ACCOUNT IN VIOLATION. UNDER 15 USC 1681 a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report. I never received full disclosure to opt out this is deceptive practices. 

This has caused immense harm to my daily livelihood. I have not been able to obtain credit and this is really draining me mentally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Exeter Finance Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
As I was looking over my files, I do not see a contract between myself, XXXX XXXX and the company : Exeter Finance. Can you please produce a contract that you- Exeter Finance and I, XXXX have signed that states you offered me anything and that there were securities and goods exchanged? 

Also, on a contract that I received from XXXX XXXX, it states that a contract was given over to Exeter Finance Corp. Can you elaborate on what is your company 's correct name please?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
From XX/XX/2020 until the current date of XX/XX/2020... Experian, XXXX and XXXX have continually made erroneous reports of late child support payments on my credit report with inaccurate dates without my permission hurting my credit 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 explanation
Consumer complaint received 2023-06-13
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Crown Asset Management purchased as debt from one of my creditors. I was in a program with XXXX XXXX XXXX, and the debt collector would not work with XXXX XXXX XXXX to negotiate the debt. I was then sued by Crown Asset Management and after consulting with an attorney, I agreed to a Judgment Entry with the creditor. The agreement terms were that I would pay one payment of {$130.00} on month 1, and {$130.00} dollars per month thereafter. The creditor did not initially provide me with their correct account/case number, which was required to make my payment on the website that they provided. Furthermore, nothing on the website affiliated it with the debt collector. The website address provided was XXXX. There is nothing on the site that establishes it as being connected to Crown Asset Management, which I thought was suspect. Still, after getting the correct case number, I did make the first several payments to the creditor. I noticed that after making the payments however, that they did not send me any payment confirmations via email, nor did they provide any confirmation number or notification that a payment was made. They provided absolutely no information concerning my debt or the payments that I was making. I may as well have been sending money into a black hole. I did not trust this site, and I ceased making payments. The debt collector has now moved to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Klarna AB
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I purchased an item from Klarna ( handbag from XXXX ) on XXXX XXXX, 2022 which gave me the option to make four easy installments. Klarna stated that with the initial sign up you receive an extra 25 % off your first order. I called Klarna ( XXXX ) on XXXX XXXX, 2022 and spoke with XXXX who stated that Klarna will honor the 25 % discount off of my 1st order once the item has been shipped. Called Klarna on XXXX XXXX to inform Klarna that my item ( from my 1st order ) had been shipped. I spoke with XXXX who told me that everything on the Klarna app stated that my order is pending. Per XXXX, she told me to check back in about 24 hours and after I see a payment plan on my Klarna app, the payments should be adjusted to {$18.00} bi-weekly and the total price of the handbag should be {$72.00}. XXXX stated that if payments haven't been adjusted, to give them a call back. Called Klarna on XXXX XXXX and spoke with XXXX and XXXX who told me that they couldn't give me the discount because XXXX had the merchandise on sale. I received an email from XXXX stating that I needed to contact XXXX. Called XXXX ( XXXX ) on today and spoke with XXXX who stated that Klarna should honor that discount because XXXX didn't have anything to do with that discount. I don't have a problem paying for the handbag, but I want Klarna to honor the discount that they advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
The following accounts must be deleted as they were opened without my consent : XXXX  - ACCOUNT NUMBER XXXX - Opened XX/XX/2021 XXXX - ACCOUNT # : XXXX - Opened XX/XX/2021 XXXX - ACCOUNT # : XXXX - Opened XX/XX/2021 I have further done more investigating to understand why these accounts are reporting on my credit report and per my findings, on XX/XX/2021, my personal information was leaked due to a data breach. ( See attached documents ) In this breach, I

found that the following information was leaked, which are items needed in order to get approved or open an account fraudulently : SSN, Name, DOB, Phone number and address. These accounts were opened in the same year of the breach and reflect no payments towards the accounts which is a usual sign of fraud. I have attached the ID THEFT reports for all of them as well as the source of the date breach and what was included. That is enough evidence proving they are not mine. They were opened without my physical signature. They were opened in a state I do not reside in. They were opened with an address I do not live at. Resolution : delete these accounts because you are reporting fraudulent accounts on my credit report that are hurting my credit worthiness to be approved for lines of credit or buying a house. Reinsertion of these accounts after removal will be documented and presented to an attorney for further review for legal action to be taken as a result of negligence and deformation of character against all parties involved. 

Please comply with my request as failure to do so will result in legal action being taken.

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 2023-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was advertised a Capital One Venture Card ( https : //www.capitalone.com/credit-cards/travel-and-miles/? external_id=WWW_XXXXX_ZZZ_ONL-SE_ZZZZZ_T_SEM2_ZZZZ_c_Zg_ef6a76b9-eeef-4dc3-899d-afb032d36fcf_672112728137_667199 & target_id=kwd-26250507191 & oC=CO5ed2SUs1 & gad=1 & gclid=CjwKCAjw6eWnBhAKEiwADpnw9iOWxupBizkY46nBpVeuMe6drU7E6KGR5RC8twP_dO_8bFzG-k-sdxoCARUQAvD_BwE ) and the offer i received was for a 0 % APR introductory fee for the first ( 12 or 15 months I dont remember ). In XXXX I was approved for the card and began using it and making payments consistent with the 0 % APR perk in mind. I saw on XX/XX/XXXX I was assessed a interest charge of {$11.00}. I called up Capital One because I was shocked to see this interest charge. I spoke to some supervisors and they said that actually the card I had been approved for didn't have that feature even though the design is identical, the name is identical and is the same product. Totally evil and deceptive practice on behalf of Capital One. This company is totally predatory and targets the poorest people in society with these rotten deals, they are sick!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
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:
This is a request for you to investigate the following " Unverified '' accounts listed below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 4 business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed. 
Name of the account : US Dept of Education Debt ID Number : XXXX ( Unverified account ) XXXX ( Unverified account ) XXXX ( Unverified account )

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 2021-03-17
Company: TD BANK US HOLDING COMPANY
State: MI
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:
On XX/XX/XXXX I spoke with Target Card Services regarding a delinquency record posted on my credit file. My account showed a transaction of {$9.00} posted on XX/XX/XXXX. This transaction caused my account, which previously was paid off, to hold a balance for that amount unbeknownst to me. The account went into past due balance for over a month for non-payment. I told the Rep that the charge was not made by me nor anyone in my household. As a result, The Target Card Services Rep suggested that I submit a dispute to the credit bureaus and stated that the information would then be corrected. 

On XX/XX/XXXX I contacted Target Card Services again regarding a letter sent to me stating the decision they made to decline the dispute made with the three major credit bureaus concerning my account. " Information is correct '' was the result of the dispute. 
The representative basically said she " didn't think it was fraud '' and declined to update the information. 

After explaining this to Target Card Services, several times, my dispute was denied. How can I be held liable for an unauthorized charge made on my account resulting in delinquency? I was unaware of the charge as well as the balance. I've been a customer since XXXX and I have NEVER made a late payment. My account is now current as I paid the past due amount ( even though I didn't make the purchase ) to avoid more negative reporting. 

On XX/XX/XXXX I mailed a certified letter to Target Card Services, again explaining my case. I will attach this letter below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
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: Investigation took more than 30 days

Complaint:
Hello, I reviewed A copy of my credit report and it shows the inquiries above are fraudulent and i have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *Please remove all non-account holding inquiries over 30 days old. 
*Please add a Promotional Suppression to my credit file.

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 2023-09-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My name is XXXX XXXX. I would like to request a copy of my consumer file and report from all 3 credit reporting agencies. I attempted to request online but the page will not load.

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 2023-12-04
Company: EQUIFAX, INC.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I apologize for the inconvenience for the delay, this was due to the break out of the Covid pandemic which I lost my job, I am humbly asking to remove the late payment record from my credit report. I would highly appreciate it! thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: TN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 TXXXX XXXX XXXX XXXX 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 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 2023-10-28
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited financial instruments into accounts and bank received deposits and have tried to hide instruments from the accounts. After receiving deposits bank tried to close accounts without any lawful reason and have not returned any of the deposits.

Company response to consumer: Closed with explanation