BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-25
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted numerous times by Sunrise Credit Services about a XXXX XXXX XXXX  from XXXX that is not mine. It's from an apartment I vacated in XXXX. I have told them this many times and have asked for proof of the bill via my email. 

They never send it to me and keep calling.

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 2023-04-13
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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XXXX XXXX XXXX  to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
Company: Experian Information Solutions 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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-09-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was visiting XXXX in XXXX of XXXX, ( first time there ) I purchased one item at a store in XXXX XXXX XXXX on with my credit card. When I arrived at my resort I noticed that there were three charges on my credit card, one for {$210.00} which I believe was for my purchase, however there were two more changes that I did not authorize, one for {$230.00} and another for {$210.00}. I do recall when I was with the merchant that they ran my card a few times and stated that they did so as the machine was having an issue. They even brought in a second machine for the purchase. The charges took place on XXXX I submitted a dispute with Citi Bank immediately, and then was advised this was not a dispute but was fraud. I followed up with the fraud dept and then was advised this was actually a dispute. The dispute was then decline and I was advised they would be sending this over to their fraud department as it is actually fraud. Today XXXX is the 9th time I have reach out to Citi bank. I was told today this is not fraud but a dispute. I am getting the run around and can not get anyone to resolve my issue. I even spoke with the fraud supervisor XXXX today, she was in no way helpful. I had the one of the worst customer services experiences I have ever had. I requested to speak to a manager, I was advised by XXXX that there was no one above her and she was the only person I could speak to. 

I feel I have exhausted all options to get any assistance from Citi Bank. I can not seem to get the fraud dept. to speak with the disputes dept. I did not receive any goods for these purchases, and the fact that Citi Bank is allowing the merchant to keep the funds is very concerning. I am not feeling protected by Citi Bank. I am an excellent customer and would appreciate if I can get an explanation for why this dispute was sent to fraud if in fact it is a dispute? Or why this dispute is being declined. I would like to see the documentation from the Merchant on the purchase for these changes. 

I was actually told that due to me handing the card to merchant even though I did not authorize the charges, that I had some fault. It was said a few times to me you had the card in your possession I understand that I had the card in my possession, does that mean I have no protection from Citi Bank if the merchant fraudulently chooses to run my card multiple times in order to steel funds? Any assistance in this would be much appreciated.

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 monetary relief
Consumer complaint received 2022-10-27
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Ally XXXX XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 I reviewed my consumer report and noticed fraudulent inquiries. I reached out and contacted them about these inquiries and neither one can show me any authorization document where i authorized for them to run my consumer report. I need this removed as it is inaccurate and misleading information that has been damaging me constantly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My name is XXXX XXXX, phone number is XXXX, email XXXX. 
I am reaching out regarding my auto loan with TD Auto Finance. Back in XX/XX/2021 I made 2 payments to my auto loan, one for the month on XXXX which was late with total of {$520.00} & then one for the month of XXXX on time with total of {$500.00}. Somehow my bank account was charged twice for the XXXX payment of {$520.00} so they refunded me for the one of the charges. However there was some sort of hole or mishap between my bank and the finance company as it caused my account to be shown as not current showing that I made no payment for one of the months. When they contacted me I sent in documents of my bank account showing proof of my payments 3 times and Ive been going back and forth with my finance company for 3 months now. I then got sick with XXXX and was unable to make my payment for the month of XXXX & when i contacted them to get assistance or extension they were very rude and not helpful considering my account is showing as behind already, and they told me to either refinance or they will repossess my vehicle.. So now my account is showing as behind 3 months. I am in a very financial hardship and just need help with either doing a payment plan with them or getting assistance with me loan. I can not afford to pay the full amount due right now and I am still working on paying my other bills as well. I have no way of figuring this out. I tried ro refinance my vehicle but a down payment of {$2300.00} was required due to the negative equity on the vehicle. I am hoping you guys can help me with this please!! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo incorrectly charged me overdraft fees as well as overcharged me fees on 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 2023-06-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I want to request removal of this report on my credit : XX/XX/2022 I canceled the credit card with this company and they canceled the automatic debit that was enabled in my checking account, the payment did not occur due to this company error and I was harmed. I contacted the company, made the payment manually, opened a claim and they did not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was on a tour in XXXX and the guide took us to a jewelry shop where I attempted to purchase some gold jewelry. They had me sign paperwork and charged my credit card Then they asked for my passport. I had left my passport in the hotel a couple hours away They said they would bring the jewelry to the hotel later. When they arrived at the hotel they refused to provide a certificate of authenticity for the gold jewelry. 
I asked to cancel the transaction because I was suspicious this wasn't real gold. The merchant took the jewelry and said the transaction was canceled. I have video I took with my phone of this exchange with the merchant. 
I notice that they charged my credit card. I disputed this with Capital One, they reversed the charge but a few weeks late they charged my card again. I told them I have video of the entire exchange with the merchant taking the jewelry and saying the transaction was canceled. Capital One said it is their policy they don't accept video and I should take a picture of the video to send them. But a picture of the video doesn't show, or allow them to hear, what the merchant did and said. 

I can provide the video but am having trouble with the 10mb file limit. Let me know if you need it and I can try to break up the video to smaller pieces

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Did not authorize my credit being pulled. They did it without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Did not authorize my credit being pulled. They did it without my knowledge.

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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-07-05
Company: Credit Control, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, i got an alert from XXXX that " Credit Control , LLC '' has opened an account for me in XXXX with account number appearing as XXXX. 
From XXXX website i found that it is showing original creditor as " XXXX XXXX '' and amount as {$3300.00}. 

When i called this XXXX XXXX company on XXXX, it has recording that says leave the voicemail but voicemail is also full - so can not leave any XXXX. 

Then i called XXXX XXXX to find out what is this about and they confirmed that i don't have any active account with them and also don't have any pending balance from past. As of today, i do not have any services from XXXX XXXX. 
So, to me this issue seems like a fraud and i have notified to XXXX as well and they are also investigating. 

I wanted to make sure this XXXX XXXX company is not doing fraud with other people. 

Please get it checked out. 

regards,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Experian Information Solutions 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:
Hello Ive been a victim of fraud and I would like for these hard inquiries off of 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 2021-10-08
Company: Avant Holding Company, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XXXX, I tried to log into my account with Avant. I had previous loan with them which I paid off. I was just trying to see if I could possibly take out another small loan. However, after I entered my User name and Password and taken to the next screen to enter my personal information. It didn't recognized my info. I reentered it several times where I was locked out, told to call them. So, I decided NOT to apply or inquire about any product from Avant. Then around at XXXX XXXX  I received a email saying that I was denied a loan based on my credit score. I NEVER APPLIED FOR ANY LOAN WITH THIS COMPANY. SO NOW THEY ARE STATING I WILL have a INQUIRY on my credit report. This is not accurate information. Since, I never inquired anything since I WAS LOCKED OUT OF MY ACCOUNT. What I find upsetting is that is putting false information and VERY Deceptive practice. I really do not need anything on my CREDIT REPORT From this Company. I have been working hard to build up my credit score and now this AVANT is putting a false inquiry on my credit report. Please ask them to withdrawal it. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation