BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
Company: JPMORGAN CHASE & CO.
State: NY
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: Problem with personal statement of dispute

Complaint:
I sent out an Identity Theft Report letter to the Credit Reporting Agencies on XX/XX/2022 under the suspicion that my identity has been stolen and used without my express consent. I sent out this letter and since then many items on my consumer report have been removed/deleted like requested. Currently my consumer report does not look the same at all across the board ( XXXX, XXXX, XXXX ) and almost all of the accounts requested have been removed. 

On or around XX/XX/2022 XXXX ignored the fact that there was an ongoing investigation of the validity of the accounts they insist on reporting and collecting an alleged debt from, insisting on not only the accounts but also report late payments. This is against the law. 15 USC 1666 ( b ) states that they can not report late payments to my consumer report. XXXX has also been calling non-stop in an attempt to collect a debt unlawfully on since on or around XX/XX/XXXX even after sending them multiple verbal and written communications to cease and desist. I did not give them my express consent to call me. They have been calling from suspicious, unknown telephone numbers and it seems that they will not stop. This is causing me stress/anguish. Please expedite this response as this is an urgent matter I'd like to get taken care of immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my new Truist business checking account online with a {$400.00} bonus promo code XXXX on XX/XX/2023. 
The bonus trem : Earn {$400.00}. Open a new Truist Simple Business Checking or Dynamic Business Checking account online or in a branch from XX/XX/2023, through XX/XX/2023. Within 30 days of opening the new business checking account, you must : Make Qualifying Deposits* of {$1500.00} or more into your new account. 
I established a brand new business with a EIN to open this new Truist business checking. This is my first EIN and first time apply Truist business checking account. I did two qualifying deposits of {$1500.00} into my new checking account within 30 days of account opening. 
I meet all requirement and my {$400.00} bonus still not post to my account. 
I called Truist customer service and still no bonus post to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Credit/Deferred payment plan was offered as part of an online purchase from XXXX XXXX on XX/XX/XXXX. 

That credit was denied with sales agent having no information on why it was denied. 

On XX/XX/XXXX correspondence was received from : XXXX C/o XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX. 

The reason for denial was listed solely as : SSN reported as deceased. 

The source of that information was Experian. 

Trying to contact them yielded nothing through their automated system other that an erroneous fraud alert, which was neither desired or requested. There is no method for contacting Experian for immediate resolution of this problem other than through the mail with no reference number or issue number given to assure resolution.

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 2023-07-24
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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  Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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:
Equifax refuses to report accurate information on my credit report which is a violation of 15 U.S. Code 1681 as this is unfair and unlawful. I have been affected for over XXXX  years and this may be discrimination. This company has failed to comply with FTC and is at the fault for being noncompliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: TN
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:
There incorrect personal information on my credit report!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Westlake Services, LLC
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 is missing that should be on the report

Complaint:
In XX/XX/2018 pulled my credit report because score was low realized that 20-monthly car payments not reflected on credit file from original lender ( Pelican auto Finance ) not one payment was ever reported. In XX/XX/2018 loan was transferred from Pelican Auto Finance to Westlake Financial Services. In XX/XX/2018 reached out to the current lender explaining 20- monthly payments wasn't recorded to the 3-major credit bureaus ( XXXX  , XXXX, XXXX ). Westlake sent a written response stating there is nothing they could do about the current situation. My loan with Westlake Financial is reporting with the credit agencies, but it reflects a new loan as appose to an existing loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
after opening my account i had made a XXXX check depoist on the XXXX XXXX XXXX, and it took ten days to clear, which is understandable. but the same day it became available XXXX. i started to pay my bills and the bank frozen my account with out even contacting me to see if i was even making the transactions. so i called them the same morning and tryed to tell them, but they said they would have to send a letterXXXX XXXX (. So i had lost my phone about three days before the check had cleared, so i was waiting to buy a new phone, but the bank froze my account before i could go get one ). and since this has happen i have had no access to my account. They said they were sending me a letter that would be here in about 7 to 10 bussniess days, which would have been last Thursday XX/XX/XXXX, but no letter showed up, so i called back to tell them and after a very frustrating callthey said theere was nothing they could do but sent out another letter, so here it is the XXXX and still no letter., i cant pay my bills, i haveent had a phone in two weeks because of this iv got bills in late payment, its going to show on my cridit report. they will not help me no matter how many questios i answer to verify myself., so i called again today XX/XX/XXXX, just to be hung up on very rudley., iv been dealing with this for almost a full 30 days., they let me make depoists, this has stopped me from getting a new phone which is how i run my bussniess, so it has cost me no telling how many costumers, XXXX of dollars has been lost over this freezing my account for no reason. i guess im going to get a lawyer This is CITIBANK, THEy ARE TERRIABLE. froze my account for no reason at all, didnt even check to see if it was me, and then keep me from my money for XXXX weeks now.,.,

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 2018-09-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am trying to get my credit report to reflect the correct information. I have found a few errors and thing that are not accurate. First my name is XXXX XXXX XXXX. My I am XXXX XXXX  XXXX ( XXXX ) please delete any other employment information they are not accurate. My only phone number is XXXX please remove any other phone numbers. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please delete/remove any other address they are not mines possibly belong to another XXXX XXXX. I have attached my Drivers License and a utility bill for proof of my address. 
XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 2023-11-14
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On XXXX XXXX i purchased a XXXX XXXX XXXX XXXX from the US Auto Sales dealership in XXXX, XXXX My down payment was {$1300.00}. I was informed that my license plates and tags will come in the mail within 45 days. On day XXXX XX/XX/XXXX the vehicle would not come out of park. I contacted US Auto Sales and was transferred to XXXX XXXX and was told that my warranty was voided out. I reached out again to US Auto Sales to find out that they were closed and Westlake Portfolio has taken over my account. I have made numerous calls regarding my not receiving my license plates and tags. I was given the run around. My apartment complex that's to have the car towed if i could not move it. I reached out again to Westlake after speaking with a lawyer name XXXX XXXX XXXX to request my money back and have the car repossessed. They refuse to give me my money back but said they would come get the car. The car say in the same spot for more than XXXX weeks and they never came to get the car. I had to pay {$120.00} for a movie mechanic to come fix the car so it could be moved. I continued to email and call Westlake Portfolio to get a resolution for my plates and tags with no luck. Ive down with supervisors, title department and multiple agents with no paperwork. I went to the tag office with the pairs i had from the dealership and was told they wouldn't work the company has to send in paperwork for me to get my plates ; however they would give me XXXX more temporary tag for XXXX weeks. The temporary tag expired on XX/XX/XXXX. Upon speaking with them and the lawyers the still never came to get the car or provide any paperwork for the XXXX. XXXX XXXX found an email address for me to contact them about my issue again. Upon the correspondence the person working for Westlake Portfolio said they did not have any title information and they we're sending my account to collections. I have reached out to the state with no help. It's been six months and they have yet to provide any paperwork for me to register my car. Now they are in my credit report for the full balance of the car but can not hold up their end of the deal when it comes to me being able XXXXo drive my car legally. I have the email correspondence between me, US Auto Sales, Westlake Portfolio and the lawyer. Now US Auto Sales is out of business, they closed all their dealerships and filled bankruptcy. What am i to do with a car that i can not get registered and the finance company can't produce and paperwork or try to resolve an issue I've been having for six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, the list of accounts and inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Accounts 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 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 These have violated my rights. 

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

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

15 U.S.C. 1681c ( a ) ( 5 ) states no consumer reporting agency may publish any 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 ) states that 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 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 2023-11-10
Company: U.S. BANCORP
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Elan Financial services is reporting a CO ( charge off ) on XX/XX/XXXX, when in fact it was actually charged off inXX/XX/XXXX. It used to show the charge off accurately as XX/XX/XXXX, and then they changed it, thus repeatedly hurting my credit. I paid the debt in good conscience to sure up the creditor, although I didn't think they would try to utilize me paying them to further hurt my credit and RE-Charge off the account. I have provided a picture of how this is being reported on XXXX, and I have also attached a document/pdf that was provided to me by XXXX ( Customer Care Specialist ) from Elan Financial services that details that the account was actually charged off in XX/XX/XXXX in their own words. I have highlighted this in yellow in the document attached. 

I would like this to be corrected on my credit report ( s ) with not only XXXX, but all credit reporting agencies. I hope to not have to continue to spend more time on fixing this than I already have. 

Thank You, 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 2022-12-30
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account with Citibank when they offered a promotion to receive a {$450.00} bonus. I deposited approximately {$200000.00} into the account in XXXX and XXXX from other financial institutions. I made a single wire transfer out of the account for approximately {$120000.00} to purchase a vehicle in XXXX. 

On XX/XX/XXXX I logged into my online Citibank account and it stated my savings account was blocked. I called customer service and they told me they are planning on terminating my account in 30 to 60 days after which they will mail a check for the remaining balance. Citibank refuses to provide me with my account balance or how much money will be refunded to me. Agents of Citibank now just hang up on me and my wife when I call them. 

The promotional {$450.00} bonus was highly misleading and appears to have been a ploy to entice me to make a large deposit into the bank only for the bank to hold my money XXXX and profit off of me. They are trying to force me into giving them an interest-free loan for 60 days. I have no idea when or if they will refund me the balance of my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


10. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. 

The Federal Trade Commission ( FTC ) makes it crystal clear that when you receive an FTC identity theft report filed with a law enforcement agency ( which is the FTC itself ), your obligation is to comply with the law. 

XXXX XXXX XXXX XXXX This is your final opportunity to process my identity theft request properly, or I WILL TAKE LEGAL ACTION IN A COURTROOM where you will BE HELD ACCOUNTABLE for the damage caused to my reputation, credit, and the emotional turmoil I've endured due to this matter. Rest assured, the negligence regarding MATERIAL facts will become GLARINGLY EVIDENT, and you will be compensating me for your recklessness. 

Ensure this matter is resolved within the XXXX timeframe stipulated by the law.

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 2023-12-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Company closed account after company placed duplicate credits on account following disputes. Company had been previously complained on and seemingly sabotaged account holder in effort to close account or scam out of money and close account as a phishing attempt was made on the same day credits were received and this doesn't seem like a coincidence. Agent was very rude when initially learning of account closure stating USAA no longer does business with you goodbye. Without stating the nature of the closure or that duplicates has been placed on account by a USAA analyst. This company needs to be thoroughly investigated as I am certain there is someone commiting fraud in house and putting a lot of hard working Americans financial state at risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation