BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: NV
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 writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate!

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 2020-08-10
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX XXXX has not been reporting my payment history with the Exprian. I have reached out to XXXX on numerous occasions and even followed their advice to create a dispute with Experian. I started the dispute XX/XX/20 and had to follow up with XXXX on XX/XX/20 about the payment history being sent to Experian. Today XX/XX/20 XXXX removed the loan from Experian and never reported the missing payments from 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 2022-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX Please refer to the above previous complaint. I have not gotten any resolution from the Bank. And they have not been returning my phone calls. 
I did everything that they asked and used {$15.00} of my own money to get an affidavit notarized. and still my {$2000.00} has not been returned. They have not returned my money since I requested it in XX/XX/2022. 

Is there a way to take them to small claims court? 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-08-10
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
We opened an account with Citibank They promised XXXX Bonus if a balance of XXXX for 90 days and it's now over 7 month and they do not respond to calls in regards to the bonus.

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 2018-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
TransUnion, XXXX  and XXXX  failed to do a proper investigation regarding XXXX XXXX XXXX, and as a result kept it in on my report. By failing to do so, they behaved illegally by breaking Federal laws. XXXX XXXX XXXX committed identity theft by having it reported to all three bureaus by claiming I owe this debt when this isn't the case.

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 2023-10-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: DE
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:
I Cleary asked for The company to provide the XXXX compliance disclosure on reporting transactions to a consumer reporting agency and they did not. 

COMMUNITY LOAN SERVICING is in violation of the FCRA and XXXX Compliance for reporting transactions to a consumer reporting agency. 

Notice Of Litigation ( Please See Attached Files ) Hard Copy of this notice was sent in the mail to : Community Loan Servicing , LLC, Customer Support, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing in response on recent communication with the Better Business Bureau ( BBB ) in which XXXX XXXX XXXX claimed that I am not a customer or client of respective credit reporting agencies. I am deeply surprised by this statement, as it contradicts the presence of a collection account on my credit report, which clearly indicates that they have my personal information. I have attached a copy of the response to the BBB for your reference. 
I would like to reiterate that despite your assertion, I indeed have a reported collection account on my credit report, which is impacting my credit score and financial standing OVER 1 YEAR. 
This information not only implies that I am a customer or a client but also raises concerns about the accuracy and legitimacy of the reported collection account. and express my deep concern regarding the presence of a falsely reported collection account on my credit reports maintained by both XXXX and XXXX. Despite providing evidence to support my claim, I have yet to receive a satisfactory resolution to this matter and the removal of the inaccurate information Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged for an un-allowed carry-on without my knowledge on XX/XX/27. I measured my personal item bag in their designated space two separate times. Once at the ticket counter and once at the gate.It is a rolling backpack because I am XXXX. It fit perfectly both times. I was never told that it was an un-allowed carry-on and in fact, they made an announcement at the gate saying if you have an un-allowed carry-on, we will let you know so that you can pre-pay on your phone because it is cheaper than if we add the charge for you. 

I also took the same bag on the flight back home and was not charged or told it was an un-allowed carry-on. I had to measure it the exact same way as the departure flight. 
I contacted XXXX XXXX and they told me that since the charge happened at the gate they could not authorize a refund and I needed to talk to the XXXX office at the XXXX airport directly, but told me they did not have their phone number. I even called the XXXX XXXX directly and they also told me they did not have the phone number for the XXXX XXXX at their airport. I researched for the phone number and could not find it. 

I do not live in XXXX so I have no way of requesting a refund from them given that their corporate office will not help me. XXXX has also stopped responding to my emails. 

I believe I am being discriminated against because I am XXXX and my backpack is on wheels. I need my {$99.00} refunded. 

Discover closed my dispute case and will not refund the charge despite all of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  ; XXXX  and Transunion are reporting incorrectly tha I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-06-09
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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing XXXX XXXX XXXX XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2021-11-09
Company: EQUIFAX, 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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance Owed : {$1500.00} ARS XXXX Balance Owed : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX th a refund for XXXX from XXXX XXXX  ( the vendor ) was issued to my account that had been closed. The account was from citi bank it was XXXX. I had recently closed the account a few days prior. I had called the vendor and explained this but they said nothing could be done. I was told that the bank would return the funds to them and would be issued back to me in the form of a check from XXXX. I called the vendor several times over the next few months in an attempt to get an update. I called today XX/XX/2021 as well at XXXX XXXX XXXX  They said the bank has still not returned the refund and will try to escalate it by contacting them. I called citibank as well and was told it could take months. It has been months. Recently I was issued a refund for concert tickets from XXXX The purchase was for XXXX. Refunded on XX/XX/XXXX. The same thing happened as I had purchased the tickets a year ago so the card on file was with citi bank and or my current bank. The purchase was made through XXXX. I called XXXX for help was again forward to my old bank. I called and inquired about this. They said as soon as they receive the refund they will return it. Im worried i will not get either of my refunds because I am not being heard and am playing tennis with vendors and my old bank. The common denominator seems to be citibank. Please investigate or encourage them to follow through with the return refunds. This isnt right. I am a city government employee who frequently puts myself at risk to serve XXXX and a big bank is just stealing my money 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 2023-09-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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, has violated my rights. XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an installment account under an open end consumer credit plan as late for XXXX purpose. 

So I want my late payments removed from my credit report. My privacy has been violated and I did not give XXXX XXXX my written consent to share this information on my credit reports

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 2023-07-08
Company: BMW Financial Services NA, LLC
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: Account status incorrect

Complaint:
I leased a XXXX XXXX for my daughter and within a few months the tires were worn down at an excessive and alarming rate. I determined the vehicle had been in an accident and I was not notified when I leased the vehicle, they said they were not obligated to inform me. After I brought it to the attention of the dealership they indicated they would " work with me '' when I turned in the vehicle as I had already purchased new, very expensive, run flat tires and paid to repair the cause of the issue. Upon return of the vehicle about one year later, the dealership agreed to no charge the tires that needed to be replaced. I eventually received a notice that I owed {$800.00} for tires. When I called the dealership they acknowledged the error and agree to rectify the issue which of course they did not. A short time later when I applied for and was denied credit, the only negative mark I had was an {$800.00} judgement from BMW financial and two late payments. First, I never had a single late payment and the {$800.00} was a fraudulent charge. When I again called the dealership immediately following this incident I was shocked to realize the dealership was CLOSED leaving me zero ability to effectively fix the lies BMW had reported. What had once been a XXXX XXXX dealership was now a BMW dealership and they effectively laughed at me and told me " good luck ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is a new issue with Wells Fargo Bank. A refund ( {$210.00} ) from XXXX XXXX has disappeared from my account. The phone banker ( XXXX ) said, " They are aware of the problem, and it would be resolved today '' ... that was at XXXXXXXX XXXX. It is now XXXX XXXX and the funds have not been returned to my account. The phone banker also blamed XXXX and the merchant ( XXXX XXXX ), not the WF system. In XXXX days, {$710.00} have disappeared from my checking account, and no one at WF can fix the problem.

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 2023-03-20
Company: EQUIFAX, INC.
State: NJ
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:
Its been brought to my attention that there is inaccurate information being reported on my credit report. This willful error has caused harm to my well being and livelihood. The below accounts should not be on my consumer report.Pursuant to 15 usc 1681 ( a ) ( 4 ) - You did not ensure this information was accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to confirm that the transaction took place. As a result of this my privacy was breached and my right to privacy was violated. Pursuant 15 usc 1681a ( d ) ( 2 ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate categorized as a transaction that was issued from a credit card. 

XXXX XXXX - XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: CUSTOMERS BANCORP, INC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank gives the impression that there are no service fees if you maintain a minimum {$300.00} balance. This is the preferred XXXX XXXX XXXX  XXXXXXXX University for student refunds of excess educational fees paid. Upon started the account ( which I understood was necessary ) I deposited {$300.00} of my personal funds to eliminate any account fees. Later my school deposited an additional {$450.00} refund. During the brief four-month period I had the account they charged me their {$3.00} per month fee for apparently the two months I didn't have actual deposits ( NEW ). Their service appears misleading in it is difficult to understand " maintain {$300.00} '' versus a " qualified {$300.00} '' which sounds like a balance.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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. Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-06-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, DEPT OF ED XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, DEPT OF ED XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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