BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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. 

Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2020-08-17
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Citibank closed my checking account without any notification to get out of paying the promotional bonus fees they have advertised. I opened the checking and savings combo for the {$500.00} bonus, which states that an overall {$15000.00} balance needs to be kept for 60 days. The only requirement for both accounts to be kept open was to have the overall balance of {$10000.00}. I had more than {$15000.00} in the savings from XX/XX/XXXX to XX/XX/XXXX and they still closed the checking, thus there is no way to receive the bonus. I have contacted their customer service over the phone on XX/XX/XXXX, when they explicitly stated that I will not be paid out. I am removing the funds out of the account today, XX/XX/XXXX. 

The chat is included below where I asked why my checking was closed, agent said that it was due to need for higher verification and can be reopened. This is untrue when I called, as they claimed it was closed due to non-existing prior deposits, also untrue as I deposited {$4900.00} from the savings account into the checking account on XX/XX/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 monetary relief
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There are a few accounts listed on my file that I do not have knowledge of them. There are also list of names and address that is not my name or addresses and never went by those names or lived at those addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX Never late XXXX XXXX XXXX Account number XXXX Never late

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 2020-08-17
Company: Amscot Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I went in on the XX/XX/2019 and paid the loan, signed a piece of paper, got handed a piece of paper and walked out the door.. Now I am trying to get a loan from a real company and I am not able to get it due to {$57.00} that they are claiming I never paid.. Now why am I going to go in there and pay another {$57.00} if I already paid it once.. Yes almost a year later they expect me to still have the receipt and of course I dont so I am being told to go back in and pay again.. What is wrong with this picture and when can I be able to get a loan I really need and what did they clerk do with my money???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Debt by XXXX XXXX XXXX XXXX XXXX ( XXXX ) for {$200.00} being reported on credit report is incorrect and has been fully paid for ( see attached ). This must be removed 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 2023-09-12
Company: Experian Information Solutions Inc.
State: IN
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-01-24
Company: U.S. BANCORP
State: GU
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:
Elan Financial pulled an unauthorized credit report for me. See below : Phone : XXXX Elan Financial XXXX XXXX  XXXX XXXX, XXXX, MN XXXX Please have this credit inquiry canceled, as it is fraudulent. 

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
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Submitting a new complaint with Transunion. On XX/XX/2023, I requested the investigation of the inaccurate information in my report regarding ( XXXX XXXX XXXX XXXX ). Within 10-15 days Transunion responded stating that it was verified through the XXXX  court. However, they did not supply the requested information as requested for review. 

I have the right to receive the proper documents according to the FCRA on who they spoke with, and the documentation used to verify. 

Its puzzling to me that they are reporting Verified, but I contacted the court system and XXXX XXXX who reported that they do not communicate with credit agencies, and XXXX XXXX reported that the information was inaccurate and deleted the information from the file. 

I have letters from both companies on letterhead. 

So, please provide detailed information on how something that doesnt exist is verified. I NEED ACTUAL PAPERWORK FOR REVIEW, NOT GENERIC RESPONSES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
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:
XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX -- Account # : -- -- XXXX XXXXXXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXX Equifax Account # : -- -- XXXX XXXX XXXX Equifax Account XXXX : -- -- XXXXXXXX XXXX XXXXXXXX XXXX Equifax Account XXXX : -- -- XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : -- XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: JPMORGAN CHASE & CO.
State: MA
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/2023, I report a transactions that I had not initiated, that is fraudulent charges. On XX/XX/XXXX, I received an email from Chase indicating that they have cancelled that credit card and initiated a fraud charge. Soon, I received a new card, chase credited back the fraud charges, and the account now stands at XXXX. However, for unknown reasons, Chase continue to intermittently to report this claim, and it's negatively impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XXXX XXXX in the morning hours Tow truck of Toyota Financial Services XXXX XXXX XXXX XXXX XXXX XXXXnce at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California and Repo my 2020 Toyota XXXX with vin # XXXX License Plate # XXXX with California Expired plates of XX/XX/2020. 

Toyota Financial Services didn't want to accommondate me on my financial hardship and my XXXX XXXX and reduce payments under {$480.00} a month. 
As I respectfully can afford $ XXXX {$350.00} a month but not {$480.00}. 
I even took vehicle to XXXX Toyota to trade vehicle but Toyota Administration didn't want to accept the XXXX XXXX XXXX XXXX of {$14000.00} now vehicle was taken from me and now I don't have no vehicle to attend my Lifetime XXXX appointments with my Dr.XXXX XXXX XXXX in XXXX, Ca. 

Toyota Administration pulled my credit with Experian, without my consent on XXXX and now Repo the vehicle to destroy my credit.

Toyota Administration is in Retaliation and Discrimination because I filed many Federal Government complaints and I consulted with a Law Firm of XXXX XXXX Attorney and a letter was sent on my behalf. 
This is a major Discrimination and Retaliation against me as a XXXXXXXX XXXX XXXX and XXXX Status. 
I will file a Discrimination and Retaliation with XXXX Department of Justice on this issues.

Toyota Administration has placed me on collection of {$26000.00} as now they are going to sell the vehicle for less than {$14000.00} and place the remaining balance in collection with Debt Collector and notifying credit bureaus of Experian, Equifax and Transunion.

Toyota Administration doesn't support our US Military Veterans and our XXXX Citizens and Military Veterans. 
With Honor And Respect Always.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Bread Financial Holdings, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Wayfair is an extremely unprofessional company, even though they are all over the media drawing consumer in their dark web, like me. I order a California King Size Bed, A Corner Desk and A Chest of Drawer for this company. When I found a professional to assemble my bed, he and I discovered I was sent the wrong size bed, I verified my order details and it clearly state California King Size. I purchase new mattresses ( California King size ) they hang off the mattress by 2 feet on the side at least. Bed appears to be a Queen. When I called them yesterday the Customer Service Representative was apparently not having a good day. He argued with me they sent what was order, and I was XXXX  and did not know what a California King size bed is. I said " sir I currently have a California King size bed ''. I ask him to send someone to break down the bed and send back and credit my checking account as it is not my fault the company sent the wrong size bed. I told him I was already out of expense in having someone put the bed up and it is only fair for them to cover the cost to have it broken by down and reshipped. He told me they would not be doing that and hung the phone up in my face. I have two other items that needs to be sent back, a chest of drawer that was to go with this bed, I need shipped back Wayfair expense. I have attempted to stop the shipment of a corner desk that has not arrived yet. I will never order from this company again. I am at their mercy in that they have my debit card information to credit back at their will.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: FORD MOTOR CREDIT CO.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account has been remitted. There should no longer be any reporting from this company nor do I currently have any loan. Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 ; company has also No permission to report anything using my info pursuant to 15 usc 1681 4. The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capitol One XXXX rewards card account XXXX is paid as agreed it is paid off but it's showing a balance they never updated the system to paid with XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: NV
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:
These inquiries do not belong to me : 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 2023-07-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent 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 2020-08-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-08-17
Company: FIRST CITIZENS BANCSHARES, INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
OnXX/XX/XXXX I opened a premier checking bundle online with First Citizens Bank in respond to their new account promotion ( see attached screenshot ). Per the promotion term, earn {$500.00} when open a new premier checking bundle and deposit and maintain a combined checking and savings of $ XXXX for 90days, and make 10 debit card transactions within 90days. I have met all the requirements but never received the {$500.00} bonus. When i contacted them to inquire about it i was given no response other than diverting me to the local branch for help, even though there is no branch in my city. I'm shocked by their lack of care and indifferent customer service attitude.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-21
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I informed the company the debt was the product of identity theft. The company asked for and received proof of my residency at the time of the rental in question. I sent the entire ledger from my current residence. The account was removed from my credit file by XXXX. The company then placed a fraudulent address on my credit, reduced the debt by XXXX and put it back on my credit. I would like this company permanently blocked from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
got a letter from i. c. system inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX saying I owed XXXX XXXX  {$9500.00} checked with XXXX  about this by phone and they said that the letter was a fraud and should be reported to the police to get a case # and then send that to XXXX. I call XXXX they said they don't take complaint numbers unless money is lost. Since I paid nothing they referred me to you to get a report number to send to XXXX from 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 explanation
Consumer complaint received 2023-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
I have been a card holder for going on 2years.Have not missed any due dates pay on or before due date.Have tried for a credit increase 4diffrent times.Was denied every time.Each time the response is negative with a different reason.When I ask were or how they get there information i am told there's no one who can tell me why or how they get the results.Also they tell me there's no number to speak to anyone about their response.I have spoke to 8 different people.They all Tell me the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
American Express Hilton Honors 24-hour customer service XXXX refused to dispute a charge. The charge I want to dispute is for our ( my family and I ) Hilton XXXX in XXXX XXXX XXXX XXXX XXXX  stay, confirmation # XXXX. 

Hilton said we would receive a total refund of {$740.00} but we only received {$370.00}. Please see Exhibit A Hilton Corporate and Exhibit B Hilton Corporate. 

I reached out to American Express Company at XXXX on XX/XX/2023 to no avail. Please see Exhibit C American Express Corporate. 

Photos from our stay are available upon request.

Company response to consumer: Closed with monetary relief