BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
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 was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX - XXXX... 
XXXX XXXX XXXX - XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
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: Credit inquiries on your report that you don't recognize

Complaint:
I am submitting this complaint concerning inquiries that are fraudulently placed on my credit files I did not authorize these inquiries to be made, I sent letters to the creditor notifying them of these inquiries are fraudulent. Inquiries : Experian Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX -- -- -- -- over 2 years XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX -- -- -- -- over 2 years XXXX XXXX  XX/XX/XXXX -- -- -- -- -- -over 2 years XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX -- -- -- -over 2 years XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX -- -- -over 2 years XXXX XXXX Inquiry Inquiry Date of Inquiry / XXXX 2 years XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date of Inquiry-over 2 years XXXX XXXX XX/XX/XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Consumer P XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XXXX XXXX, XX/XX/2023, and XX/XX/2023. 

I reviewed my credit reports, and noticed quite a few inaccuracies. I sent out dispute letters to all 3 credit bureaus, advising of the negative, inaccurate items. I have not received any responses to my request, nor have the bureaus removed the inaccurate items. It is well past the 30 days according to the FCRA that is the amount of time they have to provide a response. Clearly this is a violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
was naver late i hade no balance when i returend my car, theycame up after returning the car that i need to pay additional {$2800.00}, it was paid on XXXX out of my account, i gave in this comlaint already and thay took it off, and now they report it again on my credit,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: PNC Bank N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
In attempting to use XXXX to receive money PNC will not allow it to connect. XXXX is a popular virtual cash exchange application and it is important that PNC allows it to connect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: TX
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Hard inquiries that hurt my credit. 
Didn't authorize. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Its been more than 30 days and the credit reporting agencies are in violation of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: SYNCHRONY FINANCIAL
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:
Description of Complaint : I purchased a sweatshirt, w/custom printed message, from XXXX, along w/a few other garments. The sweatshirt arrived in XXXX, too late to wear for XXXX. 2-words were misspelled, Turkey, spelled Tunkey & XXXX. The material and overall quality of the garments were of poor workmanship, the garments arrived w/out tags or an invoice & no return address on the package. I spoke XXXX XXXX , a XXXXn C.S. rep. I told XXXX I want to return everything I ordered for a full refund. I was told it was not necessary to return the items, I would receive a full credit. I received an email conformation from XXXX stating a full refund will appear on my PayPal account w/in 72-hrs ... 2-yrs have past & I'm still receiving statements from PayPal/Synchrony w/late charges & interest for this purchase . I've called, emailed and written PayPal/Synchrony numerous times over the past 2-yrs ; I forwarded photos of the garments, and the email from the merchant. PayPal dispute dept. stated they reviewed my dispute and ruled in the merchant 's favor. I received bogus merchandise from an unrepeatable online company in XXXX. I have documentation from the merchant stating my PayPal account would be credited in full. Synchrony said I could open another dispute. XXXX/XXXXXXXX, I received a notice from Synchrony stating they reviewed my dispute, for a credit not received, and again they ruled in the merchant 's favor, stating I did not return my order to XXXX, therefore I am responsible for the amount owned. The email correspondence from XXXX, XX/XX/XXXX, did not indicate a return of their merchandise was required, only that a credit was issued. PayPal/Synchrony failed to communicate the reason my PayPal account was still incurring this charge despite my numerous attempts to resolve this matter. PayPal/Synchrony has damaged my outstanding credit score due to their lack of interest in advocating on behalf the consumer. 

Billing adjustment ; Correction to a 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 monetary relief
Consumer complaint received 2023-08-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent.

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: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company placed a bet on my credit file without giving me any written notification at all. Not only that when they responded to my initial complaint with you, they published an address. An address I didnt even provide to you that violates the FDCPA and giving out personal information. Cant wait for an attorney to get a look at that one. Now my settlement offer to them as of now {$2000.00}. I get an attorney theyre gon na pay more than that in attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Our business account at BMO Harris was accessed by an individual that was given permission to make telephone transfers. This person, XXXX XXXX XXXX is unknown to us. Over the course of several months, they had the ability to mirror our payments to some of our ACH withdrawals such as XXXX, XXXX, XXXX XXXX.

We have already filed complaint XXXX. Their response was that we did not respond in a timely manner. We were unable to do this because the transactions were so similar to our own. BMO completely ignored the fact that our complaint was based on the fact they allowed a signer to be added without our permission for telephone transfers. This is according to their own computer records. We have attached a screenshot of this which was taken in their branch at their computer.

BMO needs to respond to the fact that they allowed this unknown person to make telephone transfers on our account. They also need to take responsibility for exposing us to this type of fraud. When asked directly about this, they told us that this person was no longer at the bank. Does this mean that they worked at the bank and had access to all of our accounts?

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 2018-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
This not a duplicate complaint! 
On XX/XX/18, I used Bank of America app to send my mother money. The only option it gives you to send money to another person is to use XXXX. My mother could not activate and verify an account with XXXX. The day I transferred the money to my mother, she was had problems activating the account to accept the money. I called Bank of America and reported the issue. I was told by Bank of America if she is unable to accept the money the money would return in 14 business days. My mother never received the money I transferred. I never received the money back. I made several calls and filed several complaints with Bank of America. I tried reaching out to XXXX and they told me to call Bank of America. Bank of America reports that they reached out to XXXX XXXX XXXX  where the money was being sent and they refused to release the funds back. Even though the money never reached the recipient. XXXX XXXX XXXX  responded to the compliant and stated they do not accept XXXX transfers so not responsible for the return of the money. Between Bank of America and XXXX one of the them is holding the money. Bank of America and XXXX both ADVERTISE that the app lets you send money to anyone and that's not true. I have attached XXXX XXXX  response that they never received any money since they don't have any agreement with XXXX to accept money. And Bank of America and XXXX keeps passing the blame on each other. I want to know where is the money since XXXX never accepted on behalf of my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
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:
Lease was extended once. At end of extension I had hardship situation, my mother passed away. Vehicle was repossessed. I was able to finance the balance due in order to redeem my vehicle. 
Redemption process very hard, initially wouldn't provide a pay-off letter or sign an odometer statement. Loan was approved payment was sent overnight, however agent XXXX stated to use Suite numbeXXXX instead of box for delivery. It was a lockbox. They refused to reach out to XXXX XXXX ( lockbox holder ) to find payment for application. I contacted directly and finally had release for vehicle. These delays to 5 days, impound lot charged {$50.00} per day, costing me {$250.00} Upon payment application they started to send me auction house, then back to impound lot, but they sent incorrect paperwork twice, taking up half a day for me to retrieve vehicle. 
They did send me the title with the lien release, but they will not provide me with a bill of sale. I have called twice requesting this.The state of Texas will not issue a new title with lien to my new lender without that. The loan docs only show what I borrowed, but do not show if any additional payments might be made. Documentation of the exact amount is required to collect the vehicle sales tax. 
The payment included repossession fees. They are now stating I owe an additional {$320.00} even though I have a letter that came with the title stating paid in full. They will not provide an accounting or invoice for these extra fees. 
This is showing on my credit reports as a charge-off, but it is in fact paid in full. This same credit reporting also shows a balance due of XXXX KIA Motors Finance team doesn't not appear equipped to assist someone in redeeming their vehicle if they have the means to satisfy the balance.

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 2023-09-26
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Going through all of this has been a struggle, therefore I am making this CFPB complaint to ask the credit reporting agencies to totally remove the fraudulent accounts and information from my credit file. How many times must I inform the credit reporting agencies that I was a victim of identity theft and that the accounts I am disputing were created as a consequence of this crime? In order to fix my credit file, I have been requesting that the credit bureaus delete any disputed items and provide me copies of any verifications that the disputed goods are, in fact, mine. The Credit Bureaus, however, have let me down and have not sent me copies of the information I have requested from them. Additionally, I have been submitting letters of disagreement to the credit bureaus, along with entire identification proof papers and an Identity Theft Report I obtained from the FTC. This CFPB complaint is a follow-up to the one I previously filed with the bureau, and I'm asking the credit reporting agencies to take down the disputed entries before I have to resort to legal action. Please fully delete the following entries from my credit file : XXXX XXXX XXXX Date XXXX Original Balance {$2900.00} XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Balance {$1300.00}

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 2023-09-27
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-20
Company: Upstart Holdings, Inc.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/2021, I received unwanted " junk '' mail inviting me to take advantage of a " Personal Loan Summary Prepared For : XXXX XXXX XXXX XXXX '' The company that sent this was " Upstart '' from XXXX XXXX  XXXX, XXXX XXXX, CA XXXX. I do not wish to receive credit solicitations. 

When I opened up the mail to see how to opt-out, on the first page there was a clearly written note that said the following : You can choose to stop receiving " prescreened '' offers of credit from this and other companies by calling XXXX. See PRE-SCREEN & OPT-OUT NOTICE on other side for more information about prescreened offers. 

On XX/XX/2021, I called the published opt-out number. I was greeted instead with yet another " offer '' which said I could press a button to receive a {$100.00} credit to spend at major retailors, such as XXXX or XXXX. Or, I could hang-up! It was a bait-and-switch and there was, in fact, no information to opt-out.

Company response to consumer: Closed with explanation