BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023 I rented a car in XXXX XXXX with my Citibank Credit Card. The rental car company made a charge ( correctly ) for {$340.00} USD. The rental car company also requested a proof that they could charge an additional XXXX XXXX COP or {$440.00} USD. XXXX immediately ran a reversal for the {$440.00}. 

The reversal did not post up so, I filed a complaint with Citi and they closed the dispute - but none of this shows in my Notices and Letters. There is a dispute closed on XX/XX/2023. I contacted Citi and had them re-open the dispute. I sent the requested information on XX/XX/2023 and then called to make sure that they had the needed information. I was assured that they did. I heard nothing further from Citi until this morning stating that they once again had closed the dispute stating it had been too long. Citi took their time and slow walked this complaint and then stated I was out of time. 

I have sent Citi the reversal receipt and the tracking information from XXXX. XXXX is stating that have proved that the money was sent back to Citi.

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 2022-04-21
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX this is the case YOU closed! It is NOT closed - if you are not for the consumer then close your business down. I will notify Governor XXXX of your illegal practices This company has violated the Fair Debt Collection practices Act according to XXXX XXXX. Statue of limitations in Pennsylvania is 4 years and this is over 4 years Company did NOT supply all the info needed- my attorney states it does not have my phone number, ssi or item bought. This account was sold in 2015. Tgat is over the statue of limitations. Either your office helps me or I will report it to Governor XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: EQUIFAX, INC.
State: MA
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 disputed this many times with all three credit bureaus and have has been not resolved. Specifically, the dispute involved XXXX late payment in 2019. I have contacted the company, as that's what the credit bureaus suggested. The company XXXX states that they have reported no late payments. In fact, XXXX originaly made a mistake by charging me a late payment fee, and adding this information to the credit bureaus. Upon me contacting them the first time, they reversed this information and reimbursed me any late fees that they accidentally charged me. 
Recently the credit bureau 's re added this late payment to my credit report, lowering my credit score more than 40 points, this is affecting my personal finances, and the credit bureaus are failing to provide a proper investigation to fix this issue. They state that they have contacted XXXX and dated all and any information. This is a complete lie, as if they contacted XXXX as I have multiple times, they will know that I have never made a late payment. And fix my credit score. I want these credit bureaus to fix my credit score as they keep adding false information such as late payments that are not factual. 
To reiterate, there should be no late payments under the account held with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Credit reporting 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:
these inquiries are unauthorized, and they are not related to any transaction made by me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data furnishing reporter ( s )?

It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized Metro 2 data field formatted reporting standard ( s ).

Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I therefore am submitting my written request to you to investigate. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time, per the FCRA, you must remove any alleged unproven negative information of which I have lodges a contesting of reporting privilege ( s ) by the indicated reporting entity ( ies ). Again, I believe, and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( s ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field 7 ( BSCF-7 ) with redacted truncation. In mathematical reality, this makes impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. That is, how is it assumed that the true account number, whatever it might be, exactly and only the reported data fields and reported data field information as proclaimed by the alleged accusing data reporting furnisher? Further, I ask, given the redacted values within the alleged charged off claim versus me, how can it possibly be confirmable the impeccable reporting when it's not provable the displayed data fields are in and of only perfect alignment with the exact information from such data field ( s ) related to only the one 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 the following accounts be verified or removed immediately. 
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 2023-08-22
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-05-11
Company: MORGAN STANLEY & CO. LLC
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 my wife initiated a transfer of {$25000.00} from our E-Trade Premium Savings account to our checking account at another institution. E-Trade temporarily disabled our account due to unusual activity. I called E-Trade today to attempt to unfreeze the account so we could complete the transaction. After spending over 25 minutes on the phone with numerous representatives I was told I would have to make a 3-way call between E-Trade, myself, and my regular bank to verify that the account the funds were going into was a joint account. Evidently they didn't feel my wife should have the ability to make the transfer herself. However, over the period of XXXX my wife moved {$300000.00} from this same E-Trade account to the same bank account to pay our taxes. 

I was out of time that I could spend on the phone and demanded that the representative from E-Trade unlock my account. They refused and said they could not do this.

I called back about one hour later and tried again to unfreeze my account. This time I was told I would have to send in copies of the bank statements for the account I wanted to transfer into. I requested them to close my account and move all funds to my bank, as I am done with E-Trade. The representative on the phone said they could not do this, they could not get their manager or supervisor to help me, and said one of their managers would call me back. I have waited all day and there has been no return call from E-Trade.

I want E-Trade to unfreeze my account so that I can pull all funds from them and close the account. They were going to lose {$25000.00} in deposited accounts that we were going to transfer to our bank, they are now loosing {$63000.00} in deposited accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: VA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: IL
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- 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 also states a consumer reporting agency can not furnish a account without my writing 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 2023-10-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XX/XX/23 Is reporting late payments when the account was settled since was not opened with my consent. 
Also I found inquiries that I did never authorize : XXXX XXXX, XXXX XXXX  15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2020-07-08
Company: Experian Information Solutions 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:
I AM A VICTIM OF IDENTITY THEFT.THERE ARE ACOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME AND WERE NOT OPEN ED BY ME.PLEASE FIND OUT WHO OPENED THESE ACCOUNTS AND PLEASE STOP FURTHER VICIMIZING ME BY REPORTING THESE FRAUD ACCOUNTS ON MY CREDIT. THEY TRIED TO OPEN SEVERAL ACCOUNTS UNDER MY NAME, I HAVE TONS OF INQUIRIES THAT DO NOT BELONG TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Byrider Franchising, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/2021 a vehicle was purchased from JD Byrider of XXXX in Ohio. This was done through a retail installment contract. Prior to the loan agreement being signed disclosures were not given for the cost of the loan ( finance charge and annual percentage rate ). JD Byrider also contracted for attorney fees which violates Ohio XXXX laws XXXX. The loan company was informed of this prior to payments being seized in order to come to a different agreement or settlement. Instead of coming to an agreement or settlement CNAC ( financing company ) used XXXX XXXX XXXX to Repossess the vehicle. Upon repossession XXXX dollars was stolen and to make matters worse XXXX dollars in wages were lost due to work transportation being taken. There's been several attempts made to contact the legal team through their registered agent. No one from the legal department has given an official response regarding this matter. There was a court case attached for reference regarding the issue of attorney fees in a retail installment contract which has been completely ignored. A copy of the Lien Affidavit for the vehicle as well as the full accounting ledger for debits and credits associated with the account have been requested and the loan company refuses to provide these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian on report XXXX for report date XX/XX/2018 stated that two bankruptcies XXXX  and XXXX were verified by the company, while not identifying the third party company to support their verification. Experian in their illegal activities of inaccurate reporting. Instead of verifying just adds additional names, in my case XXXX XXXX to your credit profile because without that entry they couldnt falsely verify items. The fact that a company reports a name doesnt mean its factual or accurate, Experian as part of their business model has a service that verifies names to social security numbers and if such care had been taken these issues wouldnt have occurred Secondly name identification XXXX  isnt mine, name identification no XXXX, XXXX, and XXXX arent mine and unless the social security administration verifies those names with my social security number, they are falsely reported.

XXXX previously report as XXXX XXXX XXXX company rereported in violation of the statue, additional such account is associated with a name that doesnt verify with my social security number.

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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX is reporting inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion is reporting inaccurate addresses : 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 2021-05-27
Company: Experian Information Solutions Inc.
State: AZ
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:
To whom it may concern : I have been trying to get this issue resolved for months. Experian keeps giving me the run around. I completed a dispute, and they did nothing but gave me an excuse because they did not address my concern. I have told them time and time again that this is not my account I have never opened an account with XXXX XXXX, and I have no idea who did. I also have several other attempts on my credit report where someone tried to open an account at XXXX XXXX XXXX XXXX XX/XX/20 ) and XXXX XXXX ( XX/XX/20 ). Please help me get my credit report to show the correct information and delete these things. Experian keeps sending me excuses not to look at my credit report and delete this stuff from my report. I submitted a request letting them know that they have the wrong address on my report, again they did nothing then say they can't verify me even thought I currently have credit monitoring service with them with my correct address of XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX again please remove this address that I never lived at XXXX XXXX  XXXX XXXX, PA XXXX. Please delete this it is very important to me that my credit report has the correct information on it only!!!!!!!

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 2022-04-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, 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 my account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX {$1000.00}

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 2020-09-15
Company: AFNI INC.
State: IL
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 was checking my credit report in XX/XX/2020 due to an alert from XXXX  about an updated account on my credit report. When I logged in to identify the account, I noticed 3 collections on my 3 credit reports that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted company and told them that I was removed from property. Person at property continued to use services. Informed people at property to allow company to remove equipment. They never did. I have not lived at property in over 3 years.

Company response to consumer: Closed with non-monetary relief