BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX - {$730.00} Date opened XX/XX/2020 In accordance with the Fair Credit Reporting Act my rights have been violated as a consumer Pursuant to USC 15 1681a ( 1 ) Congress makes it clear that the banking system is dependent on accurate and fair consumer file reporting. My file is in fact not accurate nor fair. Without consulting with me first, your company received false information from alleged creditors and debt collectors and furnished my consumer report before confirming if such information is valid. This is indeed unfair credit reporting. 
It is the purpose of the subchapter USC! 5 1681 ( a ) ( b ) that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit in which a manor that is fair and equitable to the consumer. This information is not relevant, fair, or accurate and was improperly used. There were no reasonable procedures meet I wasnt even contacted about this manner.

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 2019-01-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2018 I traded two cars into a dealership that had loans with USAA. The dealership arranged credit for the two new vehicle purchases and obtained a 14 day payoff from USAA. I called USAA that night to cancel my automatic payments on those loans. I was given an effective date on the XXXX and the XX/XX/XXXX for each automatic payment cancellation request and told that I would not be charged. On the XX/XX/XXXX one loan payment in the amount of {$170.00} acct # ( XXXX ) and the following day on the XX/XX/XXXX the second loan payment processed in the amount of {$170.00} acct # ( XXXX ) I contacted USAA on the XXXX to notify them of this issue and was assured that the second payment would not process. I was also assured that they would refund my money as quickly as the following week. 

On the XX/XX/XXXX I called back and was informed that it was a mistake and that I should have called in earlier on the XXXX to cancel the automatic payments ( ACH ) transactions as I was already past the cutoff time for a cancelled payment on the XXXX. They could not explain why the two previous employees informed me that the payments would not process and they did not offer any support in acquiring a refund. 

Over the next week I called several times, provided a detalied verbal statement to three additional customer service represenatives and two managers and was told that the mistake way my fault. 

It took an entire month for the refund to be issued. During that period my existing auto loan was paid in full by the new lenders for the new vehicles I had financed with other lenders and a loan overpayement deposit was made to my account. 

Throughout this error the employees at USAA consistantly gave me wrong or contradictaroy information and finally admitted that a system error caused the initial problem and a processing error delayed the payment of my erroneous loan payment refunds. 

I filed a formal complaint and I recived and apology from USAA. They did not pay any intrest or offer any real support due to this hardship and I was forced to work extra shifts to make up the difference in funds that I did not get for an entire month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: MD
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:
They are inaccurately dictating my credit score and not giving me proper increase nor score, even when I paid off a few accounts and had a few fraud accounts removed they did not grant my proper increase and stuck me back at the same number within 30 days after those listed briefly accounts. They tried to correct it and somebodys two yet again illegally jumped in my personal business and tried to illegally take advantage of me and my human rights and wont fix what my credit is about. You give credit for a person to represent their self through raceism and integrity and where you come from verse what you do with your life and business.

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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 checked my credit report and was instantly stressed and depressed because I had inaccurate information on my report. My reputation with the banking system has been destroyed simply because these companies are reporting inaccurate information. I don't have contracts with these companies and there are unauthorized inquiries on my account as well. Someone used my personal information without my consent! I've reached out to the credit bureaus over 30 days ago and they still haven't responded. I know they have to respond and they need to be help accountable and remove all inaccuracies immediately

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is 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 reportsno consent is fraud. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXX XXXX  XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}. Please remove the following accounts from my file.

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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update or correct the following inaccurate information that is hurting my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-18
Company: EQUIFAX, INC.
State: KY
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I did not authorize the following credit inquiries on my report & I ask that they be removed from my credit report because it's impacting my credit worthiness. 

Inquiries : 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 2022-10-18
Company: EQUIFAX, INC.
State: MO
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 appalled by the ability of the Credit Reporting Agencies to comply to a simple requests in accordance with the Fair Credit reporting act section 605b. The Credit Reporting Agencies have been ignoring my requests sent via dispute letters and CFPB Complaints to immediately remove the disputed accounts and information completely from my Credit File. I have read that the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft in accordance with the Fair Credit Reporting Act section 605b. I believe I am a victim of identity theft and that the accounts and information I have been disputing resulted due to identity theft. I have sent a dispute letter addressed to the Credit Reporting Agencies last XX/XX/2022, with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. However, no matter how I try to dispute my Credit Report, the Credit Bureaus have been constantly paying no attention to my disputes and requests. I am submitting this CFPB complaint to request to the Credit Bureaus once more, to remove the following items completely from my Credit File : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I dont owe these companies I had heath insurance during this time with my current employer!!!

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 2023-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.
46.8K 511 9872

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 XXXXXXXX XXXXT IL XXXX Bankruptcy XXXX XXXX-discharged Reference # : XXXX ; XXXX XXXX CT IL XXXX Bankruptcy XXXX XXXX Reference # : 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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX 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 2022-06-05
Company: Self Financial Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In response to CFPB complaint # XXXX regarding account number XXXX Self Financial stated " upon receipt of your complaint a thorough investigation was completed. I would like to know how your investigation was completed. 
Self-Financial stated " Statements were uploaded to the account online and can be viewed through our website or mobile app. Emails were also sent advising of the past due payments and that if the account went 30 days past due it would be reported to the credit agencies. I am unaware of such notice. And I also did not get a notice to opt of credit reporting. If such notice was sent I will need confirmation such as a certified letter with return receipt with a tracking number. I believe that the charges are inaccurate and I will need you to cease communication in regards to this alleged debt. ( see cease and desist letter attached ). I am aware of 15 U.S.C. 1692g ( a ) ( 1 ). allows me to request the amount of the alleged debt and how the amount of this alleged debt was calculated. Please keep in mind that this is only a request for validation of the amount of this alleged debt. Please be clear on where the debt originated, how it was calculated and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information. I am only requesting the alleged amount of this debt you claim I owe and how it was calculated. If for any reason you can not provide me with this information I will need Self Financial to clarify this as a billing error. Also keep in mind that the account should be updated to PAID AS AGREED.

I am aware that the reporting of negative information to a consumer reporting agency is a direct violation of 15 U.S.C 1681s-2. 
I never gave consent for Self Financial to report any negative information to any consumer reporting agencies, and be aware that AGGRAVATED IDENTITY THEFT CARRIES A TERM OF 2 YEARS OF INPRISONMENT. 
Any payments made to this account shall be returned immediately. 
Best regards XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: LDF Holdings, LLC
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good afternoon, I strongly believe I have been targeted by a loan XXXX  company that has been deducting money from account without providing me any documentation or anything that I signed. 

I had my bank block them from deducting any further money from my account since it has now been XXXX weeks of me requesting a callback or to pay off the balance via phone and I have not received a single phone call or email. Fact, I have forwarded this email chain of proof of how they are avoiding me. Whenever I call the number provided, they take my information just for them to tell me someone will call me later and again, never received a call. 

Any help in resolving this issue would be greatly appreciated. I have NEVER been in a position of collections as I am good with my finances and I have been trying to get more information/pay off this loan XXXX  and they are purposely postponing/not allowing me to do so. 

Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-10-31
Company: CITIBANK, N.A.
State: WY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Citibank refuses to transfer the tax withheld into my name in connection with the termination of the XXXX XXXX. 

Citibank demands that brokerages indemnify and hold harmless Citibank, which many brokerages ( including mine ) refuse to do. 

The XXXX XXXX termination date was XX/XX/XXXX. 

The distribution associated with XXXX XXXX termination was XX/XX/XXXX. 

I held XXXX XXXX XXXX The amount of foreign taxes withheld amounted to {$36000.00} USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XXXX, I finalized my mortgage with Bank of America and upon making my first payment, they required a BofA checking account to make payments. I used the account only for payments to my mortgage account throughout the life of the mortgage. On XXXX I refinanced my mortgage with another bank. BofA closed my mortgage account as expected. I received no notices in my mail or email regarding the checking account ( that I believed to be closed. ) On XXXX I was charged a {$25.00} dollar " Advantage Monthly Maintenance Fee ''. True to the charge description, I felt taken advantage of. I called in on XXXX and spent 36 minutes on hold before the call dropped ( from a landline so it was an issue on BofA 's side ). Life got the best of me and this issue dropped off my radar. On XXXX I was once again charged another {$25.00} " Advantage Monthly Maintenance Fee ''. I called in again on XXXX and spent another 38 minutes on hold before I had to leave to pick my son up from school. Finally on XXXX after spending another 22 minutes on hold, I was able to speak with a representative that refused to reverse the fees and explained that there was no way for them to be removed from the account. They also said they could not close the account until the balance was paid. I repeatedly requested the account to be closed and they finally relented and did so. But I fear they may be sending me to collections over these absolutely ridiculous charges.

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