BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: GA
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 writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the 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 non-monetary relief
Consumer complaint received 2022-05-27
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XXXX of XXXX  I financed a vehicle with Santander and during the months leading up to XX/XX/2020 I made all of my payments on time. In XXXX I was a nurse working at the height of the COVID-19 pandemic and became infected with the virus. That being said I was unable to work for about a month attempting to recover from illness as well as its residual affects so I asked for an extension on my payment. The customer service rep offered their covid-19 relief program which basically stated that my payment for that month would be added to the back of my loan. I accepted but they still reported a missed payment. In XXXX we were then affected by a Hurricane which caused major power outages, property damage and flooding so I asked for another extension due to the fact that me and my family had to evacuate. Again they made note that I had been affected by natural disaster but still reported a missed payment for that month. XXXX I made my regular payment but it was not reported. In XXXX I set up an auto draft from the account on file with the bank and the payment was never drafted. XX/XX/XXXX my car was repossessed. I called and was told that i was to pay a balance of somewhere close to {$3000.00} to get my vehicle back. They told me that I had until XX/XX/XXXX to remit payment or my car would be auctioned off on XX/XX/XXXX. I called on XX/XX/XXXX to pay my balance in full and was then told by the rep that santander was not approving my account for repayment and that I basically just couldn't get my car back although I had the money to pay and called by the deadline provided. I also tried on several occasions to obtain a copy of the auction receipt to verify the balance owed on this loan and was given the run around by reps also all mail correspondence sent to the creditor by me was ignored. Also This company shows an outstanding balance of {$8700.00} on my customer portal as of XXXX but is reporting an outstanding balance of {$12000.00} to XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Contacted Transunion on different occasions in regards to credit inquires that I did not authorize. I have tried to not only correct this with Transunion, but also with the initial creditor that request the unauthorized inquiry and was referred back to credit bureau stated the information was obtained from TransUnion. I have no Knowledge of this and when contacted spoke with a representative that was rude and could plainly tell didn't want to assist. Kept reciting the same script over and over and refused to transfer me to a supervisor. This has been very inconvenient and has been a huge unexpected impact on my livelihood and has impacted my credit and credit history. This has also been inconvenient since to prevent situation in these matters I had a initial fraud alert that obviously was in place to prevent matters like this from occurring. 

The Following are Inquiries were unauthorized : XXXX XXXX XX/XX/17 XXXX XXXX XXXX XX/XX/17 XXXX  XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 XXXX XXXX  XX/XX/2017 XX/XX/17 XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 XXXX XX/XX/17 XXXX XXXX XX/XX/17 XXXX XXXX XX/XX/17 XXXX XXXX XX/XX/17

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 2022-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 XXXX XXXX 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 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 2022-07-13
Company: U.S. BANCORP
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited {$5100.00} on XX/XX/XXXX. There was a promotion that promised a {$300.00} bonus in 60 days for doing so. The terms are attached. They say : " You must make new deposit ( s ) of at least {$5000.00} in new money deposits ( Direct Branch, Mobile Check Deposit, ACH or Wires ) within 30 days of account opening and then maintain a balance of at least {$5000.00} through 60 days after account opening. '' The language that " I must make new deposit '' ( which I did ) " of at least {$5000.00} '' ( which I did ) " in new money deposits ( ... ACH... ) ( which I did ). My deposits were an ACH, which is specified in the terms. There were two initial deposits of {$200.00} and {$4800.00}. I also received a payment of {$120.00} on XX/XX/XXXX, and a {$250.00} payment on XX/XX/XXXX. I have completed the offered terms and have not received the bonus. I called US Bank to inquire. The agent XXXX said my deposit did not count because it was an " external transfer. '' Nothing in the terms excludes ACH 's which are " external transfers. '' I asked the agent where in the terms does it say " external transfers '' are excluded. She said it wasn't in the terms. 

Additionally U.S. Bank sent me a letter stating my {$200.00} deposit ( which was made through credit card ) did not count, which doesn't make sense. It was a " new money deposit '' as stated in the terms. They stated they were not giving me my promised bonus because the {$200.00} didn't meet their terms. Even if this deposit wasn't counted, I still made {$4900.00} in deposits they appear to consider acceptable. I acted in good faith and made {$5100.00} in deposits, over their threshold. They seem to be inequitably denying me the stated promotion because they have chosen to not count a small {$200.00} deposit, putting me {$25.00} under the {$5000.00} threshold. Additionally, a {$250.00} payment was received on XX/XX/XXXX, putting me further over the threshold. 

U.S. Bank is acting in bad faith, and arbitrarily and capriciously denying me my promised bonus.

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 2020-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

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 2019-10-25
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:
I saw a notification from my credit monitoring service today XX/XX/19 saying that there was a Bankruptcy on my credit report ; I had no idea that these things were on my credit because they do not belong to me. I have never filed for Bankruptcy in my life. I have no idea who these accounts belong to ; I believe that this Bankruptcy was clerically filed in error and needs to be removed from my credit report. I have already filed a police report regarding this incorrect information on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions 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:
I have taken the liberty of providing you with the necessary documents to substantiate my claim. Please take immediate action to rectify this situation and ensure that the account is promptly removed from my credit report. Thank you for your attention to this matter.

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 2022-05-27
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:
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XXXX reporting on my personal credit file also the inaccurate name and addressesXXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX were found in my reports with XXXX, Equifax, and XXXX credit reporting agency . This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan with ACE Cash Express for {$2000.00} on Friday XX/XX/2022. 
I paid back {$1500.00} in principal on XXXX/XXXX/2022. 
I made a scheduled payment of {$410.00} on XX/XX/2022. 
I called to pay off the loan on XXXX/XXXX/2022 and owed {$810.00} to pay off the remaining principal, interest, and fees. 

The total in fees and interest totaled {$720.00} for 42 day {$500.00} net loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This was closed by Amerifinanancial close this complaint and did not explain why they close the complaint. Please advise of your action on this complaint so I can take further action if I need to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: MN
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 2022-11-02
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: Information belongs to someone else

Complaint:
I am really infuriated now! As if all the efforts Im putting into this are non-sense, you are so negligent! What is happening over there at the CFPB and Experian?! Are guys playing around? Well let me say to you that I am not! I am so stressed that you are just ignoring my request to DELETE the fraudulent accounts from my Experian report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... 

XXXX 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 2018-12-18
Company: Diversified Consultants, 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: Their investigation did not fix an error on your report

Complaint:
XXXX  has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANTS INC Opened Date XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that DIVERSIFIED CONSULTANTS INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Experian Information Solutions Inc.
State: CO
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 have been disputing information in my credit reports for all three credit reporting agencies. The process is not very helpful for consumers as all the credit bureau does is check with the lending company who is reporting the inaccurate information. Specifically after my divorce ( 2014 ) I had numerous accounts that were settled for less than what was owed. In my status field for all settled accounts Experian is reflecting the highest balance ( for life of account ) as the Charge Off amount which is not accurate and negatively impacts credit scores and decisions by lenders. Repeated contacts to creditors and disputes to Experian result in no change to account status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 to the Fair Credit Reporting act XX/XX/XXXX account XXXX XXXX XXXX, account number XXXX, has violated my right. 

15 U.S.C Section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-27
Company: Experian Information Solutions 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:
XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; Medical XXXX ; Medical XXXX ; XXXX XXXX XXXX  XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XXXX reporting on my personal credit file also the inaccurate name and XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX were found in my reports with Experian, XXXX, and XXXX credit reporting agency . This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed 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 2023-08-02
Company: Experian Information Solutions 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:
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 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 2023-05-09
Company: U.S. BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am a victim of identity theft the person who committed these fraudulent activities on my accounts has affected me I am unable to open up bank accounts due to these fraudulent activities I have a copy of my police report U.S Bank

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