BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: GA
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:
This is my OTHER 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 items 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-12-18
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Subject : Dispute of Unauthorized Credit Inquiries Dear Experian I am writing to formally dispute unauthorized inquiries on my credit report. I recently obtained a copy of my credit report and discovered inquiries that I did not authorize. These inquiries may be the result of identity theft or a clerical error, and I am concerned about their potential impact on my credit score.

The details of the unauthorized inquiries are as follows : 9inquiries These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX I have no knowledge of these companies nor have I authorized them to access my credit report. According to the Fair Credit Reporting Act, I have the right to challenge inaccurate or unauthorized items on my credit report. 

To resolve this matter, I kindly request that you : Investigate these inquiries to determine their origin and legitimacy. 
Remove these unauthorized inquiries from my credit report if they are found to be erroneous or fraudulent. 
Provide me with an updated copy of my credit report post-investigation. 
For your reference, I have attached copies of my credit report highlighting the disputed inquiries, as well as any relevant supporting documents. 

I appreciate your prompt attention to this matter and expect a response within 30 days, as stipulated by federal law. Please contact me if you require any additional information or clarification. 

Thank you for your cooperation and assistance in resolving this issue. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-02-04
Company: Possible Financial Inc
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is reporting a late payment to the credit bureaus but I have never been late. Please tell them to update to Paid as Agreed or remove the entire account from my credit report due to inaccurate reporting. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
We applied for the Citi Advantage card for a promotional offer to spend $ XXXX in XXXX months to receive XXXX XXXX XXXX XXXX. Both my and my husband 's credit card limit was set well below our other credit cards at {$5000.00}. When making a payment, the balance was only settled by 7-10 business days vs. posting next day. We, therefore, could not utilize the card for two to three weeks due to the lengthy settlement period. 

I work within banking and this is clearly a disparate impact issue as the bank arbitrarily sets lower card limits ( all of our other card programs have limits above $ XXXX ) that are quickly maxed out and has settlement terms on posted payments that are 5-7 business days longer than any other card company. 

Ultimately, we spent < {$400.00} less during the ninety days and did not receive the XXXX XXXX XXXX. Also, confusing was that they deducted the ~ {$590.00} membership fee from the total spend.

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 2024-02-05
Company: CREDIT ACCEPTANCE CORPORATION
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The late payments on my credit report from XX/XX/XXXX to XX/XX/XXXX are inaccurate and I would like to see the documentation. otherwise it needs to be permanently removed from my credit report as late and updated to ontime payed on time across all XXXX credit agencies Per 15 U.S. Code 1681e

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 2024-02-03
Company: U.S. BANCORP
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made over XXXX disputes for over 10 months. XXXX is XXXX on usbank credit card! It continues to say in dispute status and has never been resolved. It once said XXXX balance then they added balance of {$3600.00} back on.

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 2024-02-01
Company: TRUIST FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Account was closed for the investigation of fraud, which never occurred. The bank is holding my social security funds. I have repeatedly asked for the funds, they will not give until they finish the investigation which they acknowledge is now clear!

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 2024-02-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I made an online payment to Costco Anywhere Visa credit card by Citibank. In the process, instead of intended payment amount of {$3200.00}, I mistakenly processed payment of {$32000.00}. I called Citibank and requested a refund, but Citibank has been extremely unreasonable. They tell me that it could take weeks for the fund to be cleared. The paying bank debited ( paid from ) my account immediately so I am puzzled by Citibank 's response. 12 days later, on XX/XX/XXXX, I called them again and after spending over an hour on the phone, one the Citibank managers confirmed that the {$32000.00} was cleared, and promised to expedite the refund request. Citibank could have contacted me sooner, and we could have called the issuing bank together much faster, but Citibank did not call me. On XX/XX/XXXX, I am told that the refund via ACH to the linked bank account has been approved. Right now is XXXX XXXX XXXX XXXX  on XXXX and Citibank has not yet posted debit transaction for refund in my credit card statement. Citibank constantly blames receiving bank, saying " it can take a few days to show refund '' when Citibank did not process the refund yet. The negative balance is {$24000.00} as of XXXX XXXX XXXX XXXX XXXX. I am beyond furious, and this practice is absolutely unacceptable.

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 2024-01-30
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX Truist randomly closed my account claiming fraud. They have never contacted me or gave any info. They claim its related to a check... I explained that in the brand but Truist doesnt care. I loaned someone money and they made a payment to me. They accidentally grabbed their significant others checkbook. That check returned and I never touched those funds. She then wrote a correct check from her account and now Truist is holding my money XXXX. Its been nearly 3 months. There is no fraud except from the behavior on Truists part.

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 2024-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
In XX/XX/XXXX, I received notice that my PMI is eligible to be removed and to give Bank of America a call. I called that day, and they walked me through the process. They wanted me to mail them a check for {$150.00} for the appraisal which needed to be done for the value of the home. I asked if they could draft my checking account. it is instant and I was giving them permission. They said they can not do that, ok fine. I received the letter and pre-paid envelope. I filled out the form and wrote the check and mailed it back. this was the week before XXXX. I called back start to XXXX. I spoke with a rep, and they informed me that the check was not received I confirmed check was never a cashed. they somehow lost it. My case was escalated and to call back next week they would have an update then. I called again and was told no updates they are still looking for it. I requested again to just draft the money out of my account and to get this going. they said they can't. I asked them to mail me the forms again and I would fill out another check. End of XXXX and I have not received the new envelope. I called Bank of America on XX/XX/XXXX and requested to speak with a manager, they said they will have them reach out to me. Have not heard from them once. I find it unbelievable that its XXXX and they want me to send them a check in the mail, they lose it and now I'm still waiting for them to mail me. Bank of America is so big that it isn't worth my business. I am just a number, and they could care less. Been with BOA for almost 20 years! PMI is {$90.00} a month and I could use this money for my bills, but they don't answer back, the reps on the phones can't do anything to help and I don't have any other options.

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 2024-01-29
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On or about XX/XX/XXXX I received again the following documents from ELLS FARGO in the letter attached it specifically states under documentation requests We apologize that we are unable to meet your request and provide specific reasons for this process. To do so would jeopardize the integrity of our investigations so again theyre denying to provide me authenticated evidence i.e documents, call logs, names, anything to support their findings of the transactions withdrawn from my account XX/XX/XXXX by a XXXX XXXXXXXX  being valid or no error occurred but also refusing to reissue my securities back to my account. They also reissued copies of my bank statements which Wells Fargo has been made aware that bank statements are false and misleading representation of evidence and omitted from material facts, statements only show there is an account but it doesnt prove that I was aware of the transactions nor did I give consent, or have knowledge of the transactions in question being taken from 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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 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 2024-02-02
Company: U.S. BANCORP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After review of my XXXX XXXX XXXX report I found there was a derogatory account that is the result of identity. I contacted both US BANK and XXXX XXXX XXXX via certified mail and issued them Cease and Desist orders for identity theft and furnishing derogatory information on my good name, both companies used no proper procedures to ensure that all the information was 100 % accurate. In fact, I requested a copy of the original documents and that request has been ignored and disregarded. This has brought great distressed on my family.

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 2024-02-02
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm in the process of purchasing a home and I realize that I had damages on my report and according to 15 U.S.C 1681this is defamation of character

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 2024-02-04
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Major issue with US Bank. Sold my car, a XXXX XXXX XXXX XXXX, the lien, loan was paid off via wire to US Bank {$100000.00} on a Monday XX/XX/XXXX, they confirmed successful transfer on Tuesday with par number on XX/XX/XXXX and said my account would close XXXX XXXX Buyer also confirmed on their end that they received a federal transfer number. Now 5-days later, they cant confirm completion or close out the account at all. They literally do not know what happened to the wired funds and are now investigating. They have also been charging interest on the account and refuse to provide anymore information or details. Vehicle no longer in my possession and they said they would maybe get back to me on XXXX. Im extremely scared.

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
have contacted Tranunion over a year now to remove this suppression. This has caused great havoc in my life. Hello I dealt with several agents for months and you all unlawfully have my credit report suppressed. I'm filling a complaint to Consumer Financial Protection Bureau. If you all font fix this issue ASAP. I'm filling a complaint to that CFPB Fair Credit Reporting Act Tags : Consumer Protection Privacy and Security Credit Reporting Mission Consumer Protection Law 15 U.S.C. 1681-1681x Links hXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX KB ) The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. I'm going to ever social media outlets to make reports Trans Union lack of action to resolve this issue with my file in a timely matter ( Transunion refused to insureds my file ) is a violation of the fair credit reported act. If I lose my offer my house due to bring held up. I will take transunion to count and notify every social media outlet. Starting today. I'm in consultation with consumers media lawyer right now. File XXXX I asked this be done no action has been taken I sent in proof from XX/XX/XXXX to Currently date XX/XX/XXXX This is a on going issue I and speaking with lawyers and I am preparing to sue and bring awareness online media outlets the news to address this is a public setting. I sent the company all the information and the still refuses to lift the suppression

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 2024-02-01
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Damage caused or loss of personal items in vehicle during the actual repossession

Complaint:
I am filing a second complaint regarding my initial complaint and disappointment with how my issues are all being dismissed. I appreciate your attention to this matter, but there are crucial issues that remain unaddressed : 1. Payment Confusion and Cancellation : - My initial payment of {$880.00}, intended for the release of my car, was reportedly missing from your records. This led to my decision to cancel the subsequent payment scheduled for XX/XX/XXXX, to avoid the risk of additional lost payments. The XX/XX/XXXX payment was intended as an additional payment but due to the ongoing issue of the previous missing payment, I canceled the payment scheduled for XX/XX/XXXX until the {$880.00} payment was found and resolved. 

2. Car Condition Post-Repossession : - Prior to repossession, a diagnostic report dated XX/XX/2024, confirmed my car was free of any issues. However, upon its return, I discovered multiple new problems, indicated by eight different error codes. 
- The conflicting information about the safety of driving my car, ranging from being deemed unsafe even in a parking lot to suddenly being cleared for pickup without explanation, is alarming and confusing. The lack of paperwork or explanation regarding these sudden issues is unacceptable.

3. Missing Property and Damage : - Upon retrieval of my vehicle, I noticed missing personal property and the new diagnostic errors. These discrepancies raise serious concerns about the handling of my car during its repossession.

4. Financial and Emotional Strain : - I acknowledge the repossession occurred due to my financial difficulties. However, the damages to my car, the loss of my property, and the inconsistent communication have only exacerbated my situation.

- I am now faced with the dual burden of high monthly payments and additional repair costs for damages incurred during the repossession process. 
- I feel there is a discriminatory element in this process, targeting individuals in challenging financial situations, potentially leading to further financial strain and disadvantage. 

In light of these issues, I request a thorough investigation into the handling of my car 's repossession and an explanation for the damages and missing property. I also seek a resolution for the financial and emotional distress caused by these events. 

Attached are the diagnostic reports from XX/XX/XXXX and post-recovery, highlighting the discrepancies in the car 's condition. 

I look forward to your prompt and constructive response. 

Sincerely, 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