BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have no balance in XXXX and i have no instruments from XXXX XXXX XXXX wellsfargo bank. I am victim of theft by usa govt and others

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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
TransUnion has a suppression on my credit report for some unknown reason. I have tried applying for a credit card with my credit union and they only use TransUnion, they are unable to pull because it's suppressed. So to have it removed I have been in contact for several weeks being sent around to different people. Different people keep telling me different things to get it removed like email this department or mail in my social to an address. Then after awhile they told me that the suppression is removed so I have them mail me my report and the report states it's unable to pull my credit because there's a suppression on it. I just want it removed and they won't do it.

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 2022-10-07
Company: EQUIFAX, INC.
State: RI
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 these accounts have violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy also states a consumer reporting agency can not furnish an account without my written instructions. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I started the process to do the lease buyout of my XXXX XXXX XXXX. On XX/XX/XXXX, I paid kia finance  {$14000.00} via the Kia Finance website. This payment was the amount that was quoted on the lease buyout quote that I pulled off of Kia Finances website. Kia pulled the money out of my bank account. I mailed them the odometer statement and bill of sale, which they require to release the title. Kia says they never received my mailed odometer statement and bill of sale. On XX/XX/XXXX, I faxed them those documents and also emailed them. 

I called on XX/XX/XXXX, and they said my account is still active. They said they have not been able to apply my payment to my account. They told me they would fix it that day, and on that same day fed ex me the cars title. 

Today, XX/XX/XXXX when I called Kia they said they have not applied the {$14000.00} payment to my account. They said they will do that now ( allegedly ), but that it will take one week to be able to release the title. 

I feel like Kia is making me jump through hoops because the lease buyout is not most profitable to them. Having paid the remaining balance on the car and submitted all paperwork, they are holding my title hostage.

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 2022-10-06
Company: Collection Management Holdings, LLC
State: KY
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, this creditor has violated my rights. Under 15usc1681 section 602, states I have the rights to privacy. 15usc1681 section 604a section2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Professional Debt Mediation, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Professional Debt Mediation opened 2 accounts on my credit report on XX/XX/XXXX for the amount of {$5500.00} and {$1900.00}. These accounts have been reopened for the same account on XX/XX/XXXX. I reached out to the company and have received no explanation. I have disputed these accounts because they were included in a bankruptcy years ago. This company was notified that they were included in a bankruptcy At this point I feel as though this Collection Agency is just targeting me. Something has to be done to stop this. I am asking that these 2 accounts be removed from my XXXX, XXXX and XXXX XXXX XXXX 15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I believe that this agency has violated this law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are three hard inquiries on my credit report which are over 12 months. One is for XXXX XXXX from XX/XX/2017, another from XXXX XXXX on XX/XX/2017 and XXXX XXXX on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: MO
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 am submitting this complaint with regards to erroneous accounts I found on my Credit Report. I previously sent a dispute letter addressed to the Credit Bureaus last XX/XX/XXXX and have submitted a CFPB Complaint on XX/XX/XXXX, I am submitting this CFPB Complaint as a follow up to the most recent CFPB Complaint I submitted. The XXXX, Equifax, and XXXX Credit Bureaus have 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 erroneously reporting on my Credit Reports : XXXX XXXX AUTO XXXX Balance Owed : {$0.00} XXXX ACCT XXXX Balance Owed : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX Bankruptcy XXXX

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

Complaint:
Check # XXXX for {$4800.00} was issued from my business PNC account to a vendor on XX/XX/2022. My vendor deposited the check and it cleared my PNC account. On XX/XX/2022 the vendor sent me his statement from his bank ( XXXX XXXX ) that the check had been pulled from his account with a error notice " to referr to maker ''. My client does not have the funds and XXXX XXXX has confirmed the funds were sent back to PNC and provided their batch number for the transaction. PNC has not yet returned the funds to my account. I reached out to my business banker on XX/XX/XXXX and placed an escalation call to PNC customer service. I have reached out multiple times and still have no answer to where my funds are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: U.S. BANCORP
State: OR
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 had sent letter a letter requesting removing a charge off! under! the statute of limitions for the the state of oregon which 6 years! the charge off was with us bank in XXXX XXXX XXXX under 15 us code 1681d us must remove the charge off!

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 2023-06-16
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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: IQOR US INC
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Asked allied interstate llc for their address in regards to disputing and sending legal documentation and the lady is spoke with XXXX XXXX stated I didnt need any of that info and to pay my account and I told her I dont acknowledge this debt as mine and would like to dispute and asked for a supervisor and also their address she laughed at me and hung 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 2023-06-16
Company: EQUIFAX, INC.
State: CA
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 and XXXX were fraud accounts opened directly after a bankruptcy with my ID. they received my FTC ID theft reports and failed to remove and are damaging my credit. I have requested both XXXX and Transunion to provide PROOF of verification, not just computer checks and they failed to provide proof. Both of these accounts are damaging my credit and calling and speaking with them is useless. XXXX received my complaint and failed to file arbitration as requested and stated they are not required, however per the contract they sent, arbitration is indeed listed. XXXX refused to take my call and rejected all attempts of letters and proof of ID 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 non-monetary relief
Consumer complaint received 2022-12-15
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX, XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$99.00} ; XXXX XXXX XXXXXXXX, XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$57.00} ; XXXX XXXX XXXX, XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance {$92.00} ; K, XXXX XXXX XXXXXXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance {$210.00} ; XXXX XXXX XXXX, XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  ) XXXX  Balance {$650.00} ; XXXX XXXX XXXX  XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance {$300.00} ; XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  ) XXXX  Balance {$210.00} XXXX XXXX XXXX XXXX  XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  ) XXXX  Balance {$68.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
On XXXX we were in a car accident in XXXX XXXX where our rental car was totaled and we were charged {$3500.00} XXXX with 15 % tax ( {$520.00} XXXX  ). We submitted a claim with Chase Card Benefit Services and gave them everything they asked us for : copy of the incident report form from XXXX XXXX XXXX, Final rental agreement & receipt including rental dates and charges, pictures of the accident, and statement that showed the covered card was used to pay for the rental. They asked for the cost of repairs so we sent them emails from XXXX XXXX XXXX XXXX where they confirmed the car was not repaired but was deemed total loss and the total payment was the {$3500.00} XXXX  + {$520.00} XXXX  ( 15 % tax ) reflected on the final rental receipt. Card Benefit Services continued to ask us for a Cost Matrix/Estimate of Repair for Damages/Final Repair Bill . We went back and forth with XXXX and with Card Benefits Services and were getting nowhere as this document simply does not exist as the car was not repaired. We sent Card Benefits Services emails from XXXX confirming this and they continued to ask for this. Finally, on XXXX they made a new request for us to provide " Documentation that confirms the renter listed on the rental agreement was an authorized user of the covered card. '' We provided this and on XXXX they again asked for an estimate of repairs. We believe they are acting in bad faith to prolong this process and ask us for documents that do not exist. We have been going back and forth with Card Benefits Services for 6 months now and it is clear they are acting in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Athena Bitcoin Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Today the XX/XX/XXXX a girl i am friends with messaged me. She was portraying to have a new job that associated with bitcoin and she had now worked for the government, helping with CoronaVirus relief funds. she said if i deposited {$500.00} i would be reimbursed {$5000.00}. they made it very convincing with pictures of proof and everything. I then went to a XXXX ATM and deposited {$500.00}. I then recieved an email stating that my XXXX was pending in my account but i had to pay {$1000.00} to get the money out. I proceided to say i did not have {$1000.00} and they offered to pay {$500.00} if i paid {$500.00} as well. So i deposited another {$520.00} in case there was any Fee. Once this transaction was complete she told me that her agent would message me to get more info so the bitcoin would be deposited. A man so called named " XXXX '' asked for my ID, my Social Media account login, as well as my social security number for verification purposes. I was never compensated for the payments i provided. They hacked my Social media accounts and changed the email so i cant access them. They are minupliating hundreds of people and now they are using my social media account to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a formal complaint regarding a collection account labeled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

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 2023-03-27
Company: Experian Information Solutions Inc.
State: VA
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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