BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX XXXX XXXX XXXX XXXX. Two accounts of the same type, marked " closed '', but were never open and never inquired about. One inquiry was on XX/XX/XXXX and the other inquiry was on XX/XX/XXXX. Then another inquiry from Captial One which is showing inquiry from XX/XX/XXXX. I have not made any attempt to apply for any of these services at any time. This is impacting my credit as a hard inquiry and I would like them removed. I have not contacted the company as I have looked up the issue online and came straight to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I needed to pay off the loan and get a letter of lien release. I called on a Friday and was told if I made the payment by phone, the payment would be posted on Monday and I could get the letter. 

I made the payment, but when I called on Monday I was told there would be a 10 day hold before I could get the letter. 

Had I been notified of this hold, I could have made a payment with a certified check overnight. Now I may lose my sale due to this failure to uphold their promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have an account. I withdrew my money from the account. I have repeated asked that chase close the account. Chase makes me go though my personal banker, XXXX XXXX XXXX | Chase | Relationship Banker | NMLS ID XXXX | XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX | XXXX : XXXX | T : XXXX. Dispite requests he has not closed the account. Now, I have been charged a {$25.00} service fee and since there is no money in the account they are also trying to charge me overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is in relation to medications received by a provider that I was not informed was not covered in my network, while is was in XXXX XXXX XXXX in a hospital that is covered in my network.. I submitted an appeal with my insurance and they agreed that under the no surprises act, I am not responsible for this charge and I am not to submit any payments.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update it immediately in my report : 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 2023-06-27
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 am victim of an identity theft, I don't know who but someone stole my information and opened a fraudulent account under my name, first of all I don't have any credit, I don't know how this account was opened under my name, I don't know how the payments were made but didn't come from the account that belongs to me. I need this fraudulent account to be removed from my credit proflie.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/2021 XXXX  ( XXXX ) - ( XXXX ) XX/XX/2021 XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2021 XXXX  ( XXXX ) - ( XXXX ) XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$2000.00}. I don't owe anything.

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 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

XXXX XXXX XXXX : # XXXX, XXXX BANK : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX. XXXX XXXX : # XXXX, XXXX  : # XXXXXXXX XXXX : # XXXX has violated my rights. 

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 2022-04-06
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 am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$9900.00}, {$220.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 item and update it immediately in my report : XXXX XXXX XXXX. Please repair and update 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 explanation
Consumer complaint received 2018-12-12
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:
XXXX XXXX XXXX XXXX XXXX {$480.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, reportability of this listing. 
There is no contract or valid claim I also contacted original creditor ( XXXX XXXX XXXX ) I want this account removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice

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 2023-03-16
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-10-03
Company: CITIBANK, N.A.
State: WI
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:
On XX/XX/XXXX I made a purchase in the amount of {$110.00} at XXXX XXXX XXXX XXXX with my Citi Double Cash card. When I reviewing charges later in XXXX I noticed I had been charged for three separate charges at XXXX XXXX on XX/XX/XXXX. One charge was for {$42.00}, the second for {$72.00}, and third for {$110.00}. The charges for {$42.00} and XXXX add up to {$110.00}. I was DOUBLE CHARGED. The next time I was at the golf course we reviewed their point-of-sale ( POS ) system for the charges from that date and they had no record of the charges for {$42.00} and {$72.00}. Their POS system on showed the {$110.00} charge. 

With this information, I then filed a dispute for the charges of {$42.00} and {$72.00} with Citi Bank in late XXXX via the chat system Citi has online. A week later, on XX/XX/XXXX, I contacted Citi to ask for a status of the disputes and I was informed that I had withdrawn my dispute, which I had not. I then filed the disputes a second time using Citi 's online dispute system. The dispute for {$42.00} was immediately approved but the dispute for {$72.00} was not. Citi then contacted XXXX XXXX to ask for information related to the disputed charge. XXXX XXXX provided Citi Bank a printout from their POS system with charges from XX/XX/XXXX. Keep in mind the date of the disputed charges is XX/XX/XXXX, not XX/XX/XXXX. With this information from XXXX XXXX, Citi Bank denied my dispute. 

I have again disputed the transaction for {$72.00}. Given that it is clearly obvious I was double charged ( again {$42.00} + {$72.00} = {$110.00} ) it is beyond me why Citi has bungled the dispute twice already so I think it is appropriate that the CFPB be aware. 

At this point, I expect that Citi not only reverse the {$72.00} charge from XXXX but I also expect them to provide a sufficient response to me for and compensation for all the time I have wasted because of their incompetence.

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 2020-10-03
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased in XX/XX/2020 a new car from XXXX XXXX  and the lease was financed through KiaMotorFinance. I paid the down payment and the XXXX lease payment via a check from my checking account and requested all further payments to be withdrawn from this account as well. I was assured that that was done this way and that I would receive a welcome package from the bank with all information regarding this. After two weeks I had not gotten any mail I contacted the dealer concerned about this but again I was assured that all was in order and due to Covid19 there were delays. Than I called the bank but I was told to give them my account number but I did not have that and I was told again that I would get this soon. Due to my very tough work schedule in the XXXX dealing 12-15 hours per day with XXXX XXXX  and the reassurance from dealer and bank I did not worry any longer until one day in XXXX a tow truck showed up to repossess my car but the driver left after I explained and showed all my proof and said that this didnt sound right. I than immediately called the bank and one employee recognized the problem and emailed a statement to me and I realized that KiaMotorFinance had used a totally wrong address and according to the bank associate had done so even after the mail was returned to them. And still they did not contact me or the dealer to right this wrong. And now they do not answer 3 certified letters, emails or phone calls but just hang up. I even immediately mailed a check with the full amount but this check has not been posted by them. 
I hope that you can 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 explanation
Consumer complaint received 2020-06-03
Company: I.C. System, 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: Account status incorrect

Complaint:
OnXX/XX/XXXX I received a notice to collect a debt from 2 collection agencies regarding an account with XXXX XXXX and XXXX XXXX. IC systems was one of the agencies and XXXX XXXX XXXX  XXXX XXXX was the other. I spoke with XXXX XXXX at IC systems and informed him that I received another notice from a different agency and he stated that he would note my account and no collection activity would continue. I contacted XXXX XXXX  who assured me that they owned the debt ( I have a recording of this call ) and I entered a payment arrangement with them. All of this was done within the 30 days and none of this was reported on my credit reports. 

I continued to make the monthly payments every month by auto withdrawl. On XX/XX/XXXX, I received a notice that a debt collection was reported on my credit reports. IC systems reported that my account was delinquent. I contacted them and they stated that I should have been paying them all along. I informed them that I was paying XXXX XXXX. I sent proof of all my payments to IC Systems. I never heard back from them. 

I noticed on XX/XX/XXXX that the autowithdraw from XXXX XXXX did not happen. I called them and they told me that IC systems was taking over the account and to contact them. I called IC systems to 1 ) set up payment with them and to make sure that they did in fact now have the debt assigned to them by XXXX XXXX XXXX, and 2 ) inform them that they still had not removed the delinquency on my credit report which they need to do since I was never delinquent. I was transferred 4 times and all agents kept repeating that the delinquency will not be removed because they did not get payments back in XXXX, XXXX and XXXX even though they have proof that I paid on time to XXXX XXXX. 

In summary, I am filing this complaint because it violates fair reporting. I was never delinquent, XXXX XXXX XXXX  themselves never reporting me as delinquent, and now IC systems has proof that as of XX/XX/XXXX, I made all my payments on time to XXXX XXXX I feel that I should not be punished and my credit impacted because of the disorganization of XXXX XXXX XXXX and their failure to manage the debt collection process. I am unable to reach a live person aXXXX XXXX XXXX XXXX  to discuss 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 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I disputed a few accounts on my credit report back on XX/XX/XXXX. It has been nearly two full months and I have heard absolutely nothing from the credit bureaus. I understand that mail may be delayed a bit due to Covid,  but it is nearly double the time they have to respond. I believe that they have no intention of responding to me and that is 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 explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I review my Consumer Reports & notice that I had 1 late payment on account that I was never late for Consumer Reporting Agency has a vital roll & have a responsibility ( 15 u.s.c. 1681 ) to report Consumer information to the best of their ability with 100 % accuracy I have never been late payments for the accounts XXXX XXXX XXXX XXXX. Account # XXXX. Please provide proof with statement showing that these payments were late. I request the 100a & 1099c If proof can't be provided these payments be updated to " on time payments '' as they should be as I was not late within the next 10 business days. Thank you.

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