BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the XXXX Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-12-24
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I mailed letter out certified over 30 days ago and have not been notified. as a consumer I feel like this ignored, I feel like these clowns are taking advantage of normal people

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 2022-08-09
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Truist bank marketed to me with promotional offer of balance transfer with zero interest for one year and three percent transaction fee with deadline of XXXX XXXX to take the offer ; I did three balance transaction of {$10000.00} in XXXX and the fee was {$300.00} ; I was about to pay minimum in monthly then found they charged {$180.00} on XX/XX/XXXX later told me the balance on my card has 24 % interest ; nowhere did they tell me of such interest, they deliberately hided this when I requested transfer, it's abusive and deceiving.

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 2023-11-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am filing this identity theft report in response to the derogatory remarks that Wells Fargo and the credit reporting agencies are placing. I have been a victim of identity theft because I have never been associated with Wells Fargo Bank. However, Wells Fargo is reporting a fraudulent account to the credit reporting agencies with a balance of {$10000.00}. Immediately after I noticed this account, I contacted Wells Fargo. I got the credit reporting agencies and informed them to place a fraud alert on my credit report and the creditor to remove my information from their database because I am not their customer. They should not have or share my information. The mentioned account was opened without my consent and authorization. It was opened without my knowledge, and I do not even know when the account was opened. Therefore, I filed this report with the CFPB to request that they get involved so that Wells Fargo can remove the fraudulent and derogatory remarks they report 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 2023-10-06
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a used XXXX XXXX XXXX from a XXXX dealership in XX/XX/XXXX. During the process of signing the paperwork, I was told the selling price would be XXXX but after getting home and looking over the paperwork with the finance company I seen the price total with Credit Acceptance is XXXX. I had to put a down payment of XXXX in order to get the vehicle. The problem I am having is the finance charge is 20.99 % totaling XXXX making the total payments owed minus the down payment is XXXX. I inquired with the loan company and was told on numerous occasions that my credit was not good, but I assumed that was why I paid the higher down payment. This is not the first time I have financed vehicles and now the vehicle is out of warranty where the radio is not covered, and my panoramic sunroof is not secure and the driver 's side door was like someone tried to break into the vehicle. The windshield had a small chip on very end of the windshield which over a few months has spreaded across the windshield with record heat days the last few months. The salesman at that time told me it was covered under warranty, and I could bring it in, and they would repair these problems. I have yet to get any of this fixed as well as get an explanation of why I am being charged an additional XXXX to the amount the vehicle was sold for 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 2023-10-06
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the information on my credit report in XX/XX/XXXX. The information came back incorrect on my credit reports, and the balances are different. I did not receive any documentation of the debt in question. The debt was reported in XXXX and is reaching the statue of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: NC
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:
Ive been trying to dispute this account in several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX Balance : {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: CIG FINANCIAL LLC
State: CA
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:
CIG FINCL XXXX was reporting inaccurate on my credit report in violation of Federal Law. I need this to be updated or removed accordingly.You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: OneMain Finance Corporation
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My account number is XXXX with One Main Financial. There is not an option available for what the issue is. 

Concern : I notified One Main in XX/XX/XXXX that the vehicle used to secure my loan was non-operable, requiring over XXXX XXXX in repairs and even if the repairs were made there was no guarantee that it would resolve the issues. I then asked them to come to get the vehicle so it could be auctioned and the proceeds applied to the balance, after this was resolved we could discuss any outstanding balance and make appropriate arrangements. I also explained I am only available via email due to my busy work schedule. The company offers an email to contact them but refuses to respond. 

I got no response, the vehicle remains here. In XXXX I removed authorization for them to charge my account ( XXXX XXXX ) and again notified them via written correspondence to contact me via email and make arrangements to come to get the vehicle to auction. I also filed a complaint with XXXX. The company did not respond to any of the above. Today I was charged a payment, which I did not authorize and I subsequently stopped payment. 

Second concern : The company has been charging me for insurance which I have had via XXXX on my XXXX since I got the vehicle. I have notified them multiple times I have insurance and they were listed as the lienholders. I requested a refund, and have gotten none. 

Third concern : Predatory interest rates. When I financed through them they offered to pay off my existing loan and offered me a lower payment. I owed less than XXXX when I refinanced. I refinanced in XX/XX/XXXX. I now owe over XXXX and have made on-time payments every month. This is not what I agreed too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the XXXX Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value your help to remove a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-11-25
Company: EQUIFAX, 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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-12-24
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX around XXXX I got several email from XXXX asking if I changed my password. Before I could open the email I lost phone service. Seeing as I was at home I got on my wifi and the emails that came in stated that my XXXX password has been changed. Th next emails I got were from coinbase saying someone had accessed my account from a windows 10 device. Seeing as I was at home I tried calling coinbase from my wife 's phone to put a block on my account ; I could not reach a rep and waited on hold for 1 hour and 30 mins. I went to a XXXX store that was still open and explained to the representative that somehow my phone lost service and that someone was changing my passwords. The rep was able to verify my identity and change my SIM card back to my phone. Within the hour my coinbase account was hacked and all my money was stolen from my account. Even though I called coinbase in time they are not trying to refund me any of my money and are even trying to tell me that I owe them money when they have confirmed that I did not authorize or make any of these transactions. My whole life saving was in my coinbase account and they are telling me they can't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: TX
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; Medical XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$110.00} ; 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 2023-06-29
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent account on my credit file, and I demand its immediate and unequivocal removal from my credit report. As you are well aware, under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent account are clearly inaccurate, and its presence is causing significant harm to my creditworthiness. Let me be perfectly clear : I have already reported this fraudulent activity to the appropriate authorities and provided all necessary documentation to prove that these account are fraudulent. I have also requested that the creditors responsible for these fraudulent account investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent account still appear on my credit report, causing me extreme frustration and financial hardship. I need the following account removed from my Credit File as soon as possible : XXXX XXXX XXXXXXXX Date opened XX/XX/2017 Balance {$20000.00}. I expect a prompt response from you within 30 days of receipt of this letter, as required under the FCRA. Make no mistake, I will not hesitate to pursue all available legal options to protect my rights and interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XXXX XXXX, XXXX I booked a XXXX flight from XXXX to Hawaii. While in the process of paying for my flight, a box appeared on the screen to apply for the American ExpressXXXX XXXX XXXX XXXX " XXXX '' XXXX credit card. It stated that I would get a {$200.00} statement credit if I applied for and paid with my card. I applied for the card and paid for my flight with my new XXXX credit card. After approximately two months, I did not receive my {$200.00} statement credit. I called XXXX and the person that I spoke to advised me that it would probably take about 90 days for the credit to appear. After 90 days passed, I still did not receive my credit and called XXXX again. They opened an " investigation '' and advised me to follow up on 2 weeks. Approximately 2 weeks after that, on XXXX XXXX, XXXX, I followed up and demanded to speak to a supervisor because my {$200.00} statement credit had still not been applied to my account. A supervisor named XXXX advised me that I would have my credit on the XXXX. Today is the XXXX ( XXXX XXXX XXXX XXXX and there is still no {$200.00} credit on my account. It is now approximately 140 days since I was approved for this card, booked and paid for my trip. I have still not received {$200.00} statement credit. I have no alternative but to conclude that this is a fraudulent offer.

Company response to consumer: Closed with explanation