BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
on XXXX | 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 im 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 30 days 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 data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
While looking at my credit reports I noticed hard inquiries i did not authorize. These hard inquiries does not relate to any transactions i have. This is clearly a result of identity-theft. Having the following hard inquiries reporting on my credit reports make it difficult for me to get approved for lines of credit. I am requesting that the above listed hard inquiries be deleted. 



1. XXXX XXXX XXXX 2. 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 2022-04-29
Company: AMERICAN HONDA 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:
I leased a vehicle with Honda in XXXX last year but I was told I had to put money down for my car but if the car and is being leased and Im getting a loan why did I have to pay cash

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Received a check XX/XX/22 for XX/XX/22 I deposited XX/XX/22. Account was blocked for fraud the next day I called them and told them I got the check from my employer and we are on vacation for the next 10 days thats why I received it early. I deposited it early thinking it will still take 7 days to post. I called XX/XX/22 and speaked to someone and that person said my account will be closed and the remains balance will be sent in a check. I told them I had prove of previous pay stubs that this employer is legit and the check is legit. I honestly shouldve waited to deposit the check but closing my account please.

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 2019-08-18
Company: EQUIFAX, INC.
State: GA
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:
To Whom It May Concern:This letter is to inform you that I recently received a copy of my credit report and after reviewing it I found a number of items on the report that are inaccurate. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified, I would like send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. § 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter 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 items removed. I demand the following accounts be properly verified or removed immediately. 1.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX2.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX3.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX4.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX5.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX6.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX7.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX8.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX9.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX I paid {$15.00} due on account XXXX in cash at XXXX  store # XXXX in XXXX XXXX Michigan. The associate did an account look up with my social security and ended up applying the payment to an inactive Ann Taylor account ending in XXXX. No one at the store helped resolved this, and Comenity has not resolved the issue since submitting it on XX/XX/22, In the meantime, I'm worried for my credit score, and when calling their customer service number, no one will help me. My balance due is now over {$100.00}. If you can expedite the resolution it would be appreciatied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
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:
I have an account with first access and the company closed it in XX/XX/2021 due to identity theft. I have been disputing this account since XX/XX/2021 and Experian says they are disputing it and the tbXXXX XXXX says the account is open. When I call XXXX XXXX they insist that they sent a letter in XX/XX/2021. Each company is blaming each other and meanwhile 7 months later the account still remains on my credit report and my score has tanked! This is not fair and both companies are not fixing this problem! I have waited for both companies to due what is right and they have not.

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 2023-08-11
Company: EQUIFAX, INC.
State: GA
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:
I have made numerous attempts to correct this issue with XXXX through the complaints/disputes filed with the 3 credit bureaus ( XXXX, Equifax, and XXXX ). The debt is a charge off but continues to show a past due amount of {$1100.00}, reflecting this as open revolving credit when it should report as {$0.00}. In addition I requested a 1099c form if this debt is in fact a charge off, as I would like to audit this debt with the IRS, and if it is fraudulent I would like to report it, as incorrect documentation and reporting on the credit report is a direct violation of the FCRA 15 USC 1681 eb.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
I submitted a dispute XX/XX/XXXX with experian and transunion, XXXX on some items that are showing on my credit report incorrectly. 

XXXX showing XXXX status shows open : I told them to provide me with a copy of my signed contract with this company as I have no knowledge of them or this amount and I have no open account for this amount. They responded in a few days that it meets Fcra requirements and closed my dispute. I have the right to see what this is and why its being reported this way. My guess is this was sold from an orginal creditor which i thought was against FCRA regulations, on top of it all the information is not accurate and I asked it be removed from my credit report. 

The other item was XXXX recovery in the amount of {$500.00} also showing opened as of XX/XX/XXXX, again no proof was provided to me, however i did get a 1099c a few years ago around this amount, and if it is the same account they its already been claimed on taxes and can not continue to ask me to repay this to a company I dont even know who they are, or if this is the same debit. This needs to be removed also from my credit report. 

Lastly is XXXX XXXX. Due to Hurricane Ian back in XX/XX/XXXX national emergency i applied for a forbearance with XXXX XXXX  they told me i didnt have to pay the mortgage for 3 months and the balance would be added to back end of my mortgage, once the forbearance was done they reniged and told me i had to pay it back. So they added to my monthly payment going foward which i have paid on time each month, so I have been current based on their agreement, yet its reporting negativly on my credit report. This needs to be update as not being current 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 2017-04-07
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Diversified Consultants is attempting to collect a debt sold by XXXX that I do not owe. XXXX offers a no credit check program. The accounts they referred to me according to a comcast rep was started with the no credit check program. There was no social date of birth or anything attached to these accounts. Also I never even lived at the places referred on the accounts. They are reporting a debt they told me was from previous years as opened XX/XX/2016 on my credit. I filed a complaint on the first company they sold the det to Diversified Consultants Inc and I am filing a complaint to everyone. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am an American Express XXXX card member for which privilege I pay {$5000.00} a year in fees just to use the card. I called the company to make a payment on my account. I called at XXXX XXXX  on Saturday, XX/XX/XXXX. I called on the dedicated line for XXXX members - XXXX XXXX XXXX. I was on hold for 17 minutes 14 seconds. This is different than the service levels the company advertises when procuring the card so this is a clear case of bait and switch. I called to pay the balance due on my card but I could not get through.This level of service is absurd for someone who is supposedly a good customer and has been so since 1983. This has now happened multiple times and is a clear breach of the customer service agreement I was promised when paying for the card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
With regard to my situation of being defrauded out of approximately {$30000.00} during the Bank closing of my home and the funds transfer from XXXX XXXX to Bank of America, it's been established that although a freeze on the fraud account at Bank of America was initiated by XXXX XXXX , Bank of America FAILED to follow regulatory guidelines and freeze the fraudulent account. This resulted in a loss of approximately {$30000.00} to my family and I. 

As an update to my case, someone named XXXX from Bank of America reached out to me on XX/XX/XXXX at XXXX, the incoming number was XXXX. I again explained my situation and asked XXXX why the Bank of America fraud account was NEVER frozen when a SWIFT RECALL was placed by XXXX XXXX and why the Bank of America fraud department is not willing to work with law enforcement. I tried to add law enforcement to the call, but as soon as the call was connected to the detective assigned to my case, XXXX abruptly hung up the call. Again, I can not understand how a professional transaction between XXXX XXXX and Bank of America on the closing of my home has left me and my family defrauded like this. I was defrauded out of approximately {$30000.00} because Bank of America failed to follow OCC guidelines and Banking Regulations. 

As per OCC guidelines, Bank of America should have frozen the fraudulent account initiated by XXXX XXXX and should have risk management in place to detect and prevent fraud. 

Operational Risk : Fraud Risk Management Principles | OCC ( treas.gov ) Bank of America to pay XXXX XXXXXXXX in fines, customer refunds over junk fees, fake accounts ( XXXX ) The detective working on this case has successfully subpoenaed the fraudulent Bank of America account statement and information pertaining to the activities of the account. From the statement of the fraudulent account, where my funds were transferred to, it is crystal clear that Bank of America NEVER froze the fraud account. The negligence of FAILING to freeze the fraud account and work with law enforcement has resulted in my family and I losing a substantial amount of money. My funds were left unattended in a fraudulent account where the fraudsters continued to log onto the account online, withdraw substantial money from the branch and continue to withdraw money from ATMs after we frantically issued a swift recall from XXXX XXXX. I am a working Mom with XXXX children and I honestly can not afford this kind of monetary loss. 

I am again asking representatives of Bank of America to contact me, the detective assigned to my case and XXXX XXXX and work with us.

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 2023-08-11
Company: EQUIFAX, INC.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Wells Fargo Bank, XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Denial of Credit Request Under UCC 2-325 Dear To whom it may concern, OPPORTUNITY TO CURE 2ND ATTEMPT I hope this letter finds you well. I am writing to express my concern and disappointment regarding the recent denial of my request for a " Confirmed Credit '' under UCC 2-325.

I submitted my request for a " Confirmed Credit '' with the understanding that it met the necessary criteria and requirements, as specified under the Uniform Commercial Code ( UCC ) 2-325, which pertains to " Letter of Credit. '' It is with great disappointment that I received a denial for my application, as I believed it to be compliant with the relevant provisions.

I kindly request that you provide me with detailed information regarding the reasons for this denial. It is of utmost importance to me to understand the specific aspects of my request that did not align with the requirements of UCC 2-325. This transparency will allow me to rectify any issues and reapply accordingly.

As a conscientious business partner, I am committed to adhering to the established legal and financial standards set forth under the Uniform Commercial Code. I firmly believe that my application met these standards and should not have been denied. Your feedback on the reasons for this denial will be instrumental in ensuring my future applications are in compliance with the relevant regulations.

I kindly request that you provide a written response within a reasonable timeframe, outlining the specific reasons for the denial and any steps I can take to rectify the situation. Additionally, if there are any specific requirements or documentation I should provide in a revised application, please inform me so that I can address them promptly.

Thank you for your immediate attention to this matter. I look forward to receiving your response and working together to ensure that future requests for " Confirmed Credit '' are handled in accordance with UCC 2-325. 

Sincerely, 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 2023-08-11
Company: EQUIFAX, 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 have not supplied proof under the doctrine of estopper by silence, Engelhardt vs Gravens ( mo ) 281 SW 715, 719,1 presume that no proof of alleged debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Kohl 's calls me AT LEAST 6 times a day from different numbers. I know it is them each time because the numbers are very similar and sometimes, not always, will leave a voice mail. I usually ignore the call because I 'm at work or getting my kids to bed when they call. Once I did answer it and the rep immediately asked for my banking information or credit card information. He made zero attempt to work out a payment plan i could afford until I asked. He then threw a number at me and kept pushing for my information after I told him repeatedly I ca n't make a firm decision without discussing the budget with my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Stolen wallet in XXXX California XXXX XX/XX/2023. XXXX included SS Card and all debit cards and California Drivers License. Steps take to stop all cards with banks. On the morning of Friday XX/XX/2023 I was notifed of a HARD INQUIRY on XXXX. from Capital One I did not make any credit applcations wit Capital One or other company.

Company response to consumer: Closed with non-monetary relief