BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One sent my a prequalified offer for a credit card. I used the pre-qualified offer and opened an account. I was given a {$2000.00} credit line and sent a card. I was using the card and paying it off once the charge posted. I never once was late on a payment and I never put more than {$600.00} on the account. Capital one suddenly closed my account and gave me very vague information as to what effected their decision to close my account. nothing new had come up on my credit report since I opened the account besides the hard inquiry from Capital One themselves. They had the option to first not send me a pre-qualified offer and secondly to not open an account. I now have another closed account on my credit report because of Capital One and don't have a clue as to why they actually closed the account. I spoke to Capital One customer service to inquire about my account being closed and they refused to provide any information and refused to let me dispute the closing of my account. The account was opened in XXXX of 2023, I was never late on my payments and was never over my credit limit and payed my account off early. My account was closed in XXXX of 2023. That also when I spoke to customer service. My account currently has a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I got approved for the Discover It Credit Card with a limit of {$500.00}. Got asked for verification, and added on extra information. Card got closed 1 week later, citing they were unable to verify personal information. Called Support, but ended up getting transferred everywhere without any resolution. Ended up with XXXX points to my credit score when there was no effort on their part to help and just closed my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The problem is with Toyota Financial Services. 
Toyota claims that I am 2 payments behind and have been sending me default notices all year long starting in XXXX of this year. At first I immediately sent them the extra money thinking that it would solve the problem I did not even look into it not realizing that I was never behind, in fact I should be a little bit ahead. It the beginning of the pandemic I decided to change careers in an attempt to stay on track with my payments. 
I have reached out to Toyota Financial Services about this issue. I have even gone to the trouble of faxing them bank statements showing my payments. 
This issue currently holds down my credit score in a way that I feel is unfair and unjust.

Currently Toyota Financial Services is accusing me of being late again. I have received a notice dated XX/XX/2021 accusing me of default on 2 payments beginning with XX/XX/2021. They want me to pay them : {$380.00} by XX/XX/2021. 
But this time I have a screen shot of my transactions from their own website showing that I am not in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: CITIBANK, N.A.
State: NY
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:
This complaint is about the excessive amount of time taken by Citibank to resolve a dispute on a transaction on my Citibank AA Advantage credit card. The dispute was opened on XX/XX/XXXX about a charge on XX/XX/XXXX for a United airline ticket. The case is currently still opened, and Citibank has not been responsive to resolve the matter. Federal regulations require disputes to be resolved in 60 days and no more than 90 days. Currently the case is unresolved for over six months. 

The XXXX ticket is a refundable one, but the refund amount never show up on my credit card account after cancellation. As a result a dispute was filed on XX/XX/XXXX with Citibank with case number XXXX. Citibank gave a temporary credit of {$4800.00} during the initial investigation, but later reversed the credit a month later, claiming that the merchant has already credit the account and close the case. I checked my statements carefully, but never find any credit since XXXX from XXXX. 

The issue was raised with Citibank several times during the next few months, but each time Citibank response with the same letter claiming the same thing, that the merchant had given a credit already. 
Each time they did not answer my question of where and when they saw the credit in my account. 
It was not clear if the Citibank bank investigate team understand the issue. 

The issue was unresolved until XXXX, when a Citibank customer representative manger, XXXX, from the dispute department finally acknowledged that nothing from XXXX have been credited into my account. She promised to let the investigate team understand and resolve the matter in 2 weeks. 

However through out XXXX, nothing happen. The last thing from Citibank in an email on XX/XX/XXXX is that the case is pending. 

I have exhausted all my efforts in these, and would appreciate Department of Financial Services could 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 monetary relief
Consumer complaint received 2020-11-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a victim of identity theft. Please delete or remove this items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 explanation
Consumer complaint received 2021-10-25
Company: Experian Information Solutions 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:
If the account of XXXX XXXX XXXX  was closed in XX/XX/2019 how can you continue reporting charge offs after the account was closed thats inaccurate reporting requesting removal

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 2021-08-13
Company: EQUIFAX, 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:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received the letter I have submitted today from a company called XXXX. It says the original creditor is Beneficial ( which I have never had an account with ), and I owe them over XXXX. I would like to see the original credit docs that I signed to obtain this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: VYSTAR CREDIT UNION
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: Old information reappears or never goes away

Complaint:
I contacted Vystar Credit Union XX/XX/2022 in regards to two charge off accounts with a cease and desist letter and have not heard back from Vystar about these two accounts. The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any media. Pursuant to my rights as per 15 USC 1692c ( C ). I am here by providing you formal notice to cease any further communication regarding this account 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 2022-12-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
At the time I was applying for a mortgage so I called all my credit cards to get an updated balance on my credit report showing a lower balance amount. 
On XX/XX/2022, I made a payment to Citibank XXXX XXXX credit card in the amount of {$1500.00} my credit limit at the time was {$3400.00}. When calling Citibank I explained the situation to three reps two of which were overseas and had no idea what I was talking about when asking for a credit update. 

I finally spoke to someone in the United States explained my situation and she said the department will send an email to the credit reporting department and my report should be updated. Well that didn't happen. I received an email next day XX/XX/2022 saying my credit limit has been decreased to {$2000.00} which made my new available balance {$420.00} and not {$1800.00}. My original plan was to make two payments in the span of two days. So I basically just wasted {$1500.00} and right before XXXX. 

This was not what I asked for! The reps were no help and told me I had to wait when they were the ones who messed up. They even tried to say it was because of my credit, I told them nothing has changed since applying with them and on my report. I could've kept my money had I known I would be screwed like this especially with it being the holidays and my daughter 's birthday. I couldn't even complete getting my daughter 's presents because of this. I didn't have this issue with XXXX XXXX or XXXX banks! Now I regret opening an account with Citibank after this mishap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent an investigation request letter to TransUnion Consumer Solutions, about the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


I asked for verification on, if all the accounts referenced were reporting 100 % accurate information, because i wasnt sure that they were. 

I also asked that, if any account werent reporting accurate information, then the account in question be removed according to 15 U.S.C. Sec. 1681i ( a ).

This request to TransUnion Consumer Solutions happened over 30 days ago and i still have not had a reply, which is a direct violation of 15 U.S.C. Sec. 1681i ( a ).

In accordance with 15 U.S.C. Sec. 1681n ( a ), I have the right to charge {$1000.00} for each violation or failure to comply with the rules in 15 U.S.C. Sec. 1681i ( a ).

I will attach a copy of the sent investigation request letter.

I will attach a copy of the invoice for the violations of each 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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX  XXXX Balance : {$960.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX  XXXX  XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$140.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-08-12
Company: EQUIFAX, INC.
State: NJ
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:
Company is reporting to my credit report without my consent, I do not recognize this debt, I have requested to the company to provide summary of it, agreement and any information they may have to prove the account is mine and they have not send anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Federal Reporting Act this creditor has violated my rights under 15 USC1681 sec 602. It also states that i have a right to privacy .15 USC 1681 sec 604A sec 2 It also states that t a consumer reporting agency can not furnish an account with out my written instructions.Under 15 USC 1666B a creditor my not treat a payment on a credit card account under a open and consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Transunion reflected a XXXX XXXX XXXX account XXXX as being removed in XX/XX/2022. When I called to ask and dispute its presence on my report after 7 years they refused to accept my dispute and no longer reflect the removal date of XX/XX/2022. I am unable to initiate any new disputes on this as they will not allow me too. The account is beyond the 7 year reporting period allowed by FCRA.

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 2021-10-14
Company: EQUIFAX, INC.
State: IL
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:
On XXXX XXXX I disputed the following : 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 with XXXX , Equifax, & XXXX and they have yet to respond in the time allowed by the FCRA. XXXX, XXXX, & Equifax are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: FL
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:
To whom it may concern i recently finished an investigation and my report came back up dated, however there are still violations on my consumer report. The image attached below i have circled are errors on my report. I asked to remove all late payments for it is in violation of the Fair Credit Reporting Act. A consumer has a right to privacy and i have NOT given you any written instructions and my account has been furnished. Please fix 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 2023-05-03
Company: DISCOVER BANK
State: VA
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 have satisfied the account with the following company for the Account Number # XXXX and as a result I was notified that once I paid this account off in its entirety that this account would be removed from my credit file as it is preventing me from being able to gain credit at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, 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:
XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$520.00} {$520.00} {$300.00} Credit Limit : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by credit grantor Account has been closed due to inactivity. 
XXXX XXXX XXXX XXXX balance Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: NY
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:
It has come to my attention, upon further investigation, that XXXX, Equifax and XXXX are all violating federally protected consumer laws by selling nonpublic personal information and allowing companies to commit fraud with my estate and violate the privacy act. I have not granted permissible purpose pursuant to 15 USC 1681. All 3 companies have allowed income to be reported on my reports in the guise of a " charge off '' ( certificate of indebtedness ). They are aware that income is not to be reported on any persons credit report. All 3 companies have violated 15 USC 6802 thru 15 USC 6805 and no option to opt out of reporting were given at any time. All 3 agencies have inconsistencies through out ALL 3 reports are to remove the following from my credit report. If anything that has not been validated by myself, remains on my report, I reserve my right to file suit. All communications will be utilized as evidentiary information. 

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 XXXXEQUIFAX 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 

please be advised, if ANY of the above information remains on my report, i reserve my right to file suit against all 3 bureaus. I XXXX : XXXX have NOT validated ANY of the above information nor was permission given under 16 CFR 313 and 15 USC 1681 . I am the only one who can validate any information and I exercise my right to OPT OUT of reporting THAT I DO NOT AUTHORIZE. THIS IS A FINAL NOTICE.

Company response to consumer: Closed with non-monetary relief