BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello these company is reporting fraudulent account. Regardless of my previous written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. American Car Center 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 2021-09-08
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was presented an offer by CitiBank to open a 'Miles ahead ' savings account with a balance of $ XXXX to earn XXXX American Airlines miles. I have an existing American Airlines credit card through Citi which is why I believe I was targeted with the offer. 

I complied with the terms of the offer but did not receive the miles. I have talked to Citi customer service four times and each time they agree that I qualify and send a inquiry on to their promotion review group. That group then rejects the inquiry and tells me to contact customer support. It feels like a deliberate attempt to scam people. I am a pretty persistent person an I am nearly ready to give up.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: In progress
Consumer complaint received 2022-11-24
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific items in my credit file that do not belong to me, or that I have signedany agreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XXXXXXXX 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  XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 has repeatedly reported the balance on my student loans as increasing by thousands of dollars causing my score to decrease. My student loans have been in forbearance due to the COVID-19 emergency relief since the beginning of the pandemic, therefore no interest is being charged and the balance is not increasing. On XX/XX/21 after noticing that my credit score decreased by almost 50 points because of a false reporting of the student loan balance, I contacted my loan provider ( XXXX ). They informed me that many consumers have had the same complaint and that they have not reported an increase in the balance to Tranunion. They recommended that I file a dispute. I filed a dispute that same day and received the results dated XX/XX/21. Nothing was corrected.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: IA
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: Investigation took more than 30 days

Complaint:
In XXXX of 2023 I sent a Experian a dispute with tracking information. ( XXXX : picked up by postal facility at XXXXXXXX XXXX on XX/XX/2023 ) I contacted them again in XXXX and sent them another certified letter ( XXXX : Your item was picked up at a postal facility at XXXXXXXX XXXX  on XX/XX/2023 in XXXXXXXX XXXX XXXXXXXX. ) they acknowledge they got the one in XXXX, but say theyd somehow dont have the one sent in XXXX. They were signed for by a XXXX XXXX and XXXX XXXX from Experian acknowledge that that is a person in their mail area. I still do not have answers to why my dispute was not responded to. I sent a paid in full letter to the account. ( a representative from Experian called me today and admitted that they did not even know what the dispute was about- even though every document was in the letters that have tracking numbers above ) she admitted that the name on the account on my credit report is different from the original creditor : this is why I think they screwed up because they didnt realize it was the same account! I still have yet for them to take it off my credit report, even though the dispute never went through

Company response to consumer: In progress
Consumer complaint received 2023-02-10
Company: JPMORGAN CHASE & CO.
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
I had a purchase on a XXXX chase card that wasn't made with my permission. The charge was refunded from my statement and then added back on after the concluded it wasn't fraud. The purchase was not me. This needs to be reversed immediately. They have done this to me and my family remembers before over the last XXXX  years until we get you guys involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiries to Capital One dates XXXX When I called they said it was nothing they can do about it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: Westlake Services, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
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. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

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 dont respond to my request by saying that these accounts have been verified. 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 DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE. 
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. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Lately Ive noticed that my account would be low and Im charged a fee. Or someone hack into my account take money and Im charged. Ive been having problems with them blocking/locking my card without notifying me. Its a lot

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 2022-11-24
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX, XXXX Balance : {$4400.00}, XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance : {$670.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been locked out of my banking application profile for about 3 week to a month now. They display an erroneous information on their website, saying that it will be resolved after 24 hours, however this does not happen. I have called the customer care line repeatedly with no luck ; they end up transferring me to many departments and units with no resolution in sight. As I write this I am on a call with them for over, and the duration is 1hour 9 minutes. Unending calls where I keep getting transferred to different departments and they keep asking the same questions. As a result of this lockout, I can not transfer funds, nor manage my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 last time I sent these Consumer Reporting Agencies some letters, I asked them to process a REINVESTIGATION on these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only received your system-generated letter in a mail from TransUnion, with a File Number : XXXX. Aside from that, no resolution has been made. You know, this is very important to me because I am trying to maintain my credit scores to the best of my ability, so I can request for future loans which will be used for some important purposes. If they wont correct these errors and mistakes that they have furnished on my credit report, then these would definitely hinder my chance to apply for some credits.

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 2023-01-23
Company: I.C. System, Inc.
State: LA
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 to the Fair Credit Reporting Act, this creditor has violated my rights under 15 U.S.C. 1681 section 602 which states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an 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 2021-05-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I notified JP Morgan Chase Bank that I was going to receive a wire transfer from the sale of my home and the bank return the wire transfer WITHOUT NOTIFYING ME IN ADVANCE- I followed their wiring instructions with in my specific account posted under all of my account number information, and i notified Chase in advance of the transfer- and they purposely rejected the wire transfer creating a convenient overdraft issue for the sole purpose of obtaining additional fess from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. The 3 credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX .... violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 



XXXX XXXX .... 
Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Before Dispute Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Charge Card Terms NA On record until XX/XX/XXXX Recent balance Not reported Credit limit or original amount {$300.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount Not reported Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Discharged through Bankruptcy XXXX XXXX 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 

After Dispute Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Charge Card Terms NA On record until XX/XX/XXXX Recent balance Not reported Credit limit or original amount {$300.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount Not reported Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Discharged through Bankruptcy XXXX XXXX 
XXXX Account previously in dispute - investigation complete, reported by data furnisher Reinvestigation information This item was updated from our processing of your dispute in XX/XX/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 2022-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I stopped at a gas station and my card was declined so I logged into my online account to learn that my funds were unavailable. I then called the number provided and was getting a message stating for me to leave a message and that they would get back to me within XXXX business days. I proceeded to call because not only is my rent due tomorrow but other bills are scheduled to come out of my account and I have a planned vacation out of the country for XX/XX/2022 and no access to my funds. I missed half a day of work on the phone with the bank and at their cafe branch located in XXXX WA. trying to get help with getting my funds before I leave. I was able to obtain {$2000.00} of my balance but had to pay {$20.00} to get the remaining balance mailed to me. Which I still may not get until after I am already gone on my trip. I was told when I was finally able to reach someone that an internal investigation happened and that they decided not to allow me to have an account with them any longer. I have been a bank account holder with them since ING Direct was the initial banking institution. How I have been treated and handled with all of this seems very retaliatory. Furthermore, I have a direct deposit that was scheduled to hit the account on XX/XX/XXXX and have had to try to stop that, and now I have to possibly wait XXXX  days for a check to be sent to me if they don't reject the direct deposit. Either way, I will not get my paycheck as I expected the day of my trip and have to wait with the hope that I receive the check with the remainder of the funds before I leave. I can not get a refund on my ticket for my flight or hotel room nor can I change it. That being said I am not going to get paid on Friday which is my pay date and I am at their leisure when it comes to when the rest of my funds will be received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am writing to delete the following information from my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the Items be deleted to correct my consumer report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: MI
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:
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. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress