BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-28
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I'm issuing a complaint about Citi Bank & XXXX XXXX XXXX! Both companies have decided to make their own laws! Their laws are not in compliance with our Constitution! Their new policies are to not accept credit card transactions for the purchases of any firearms or bullets! They will not even allow you to purchase toy guns! This is against our Constitution & our rights as US citizens. Please have them correct their errors & restore our constitutional rights! I feel they should be fined a large amount for breaking the laws against USA citizens! If no fine then they s/b closed down!

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 2022-09-14
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2022-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/XXXX I pulled my Transunion consumer report and noticed some accounts that were not permitted to be reported, and which I contested, and Transunion deleted dated issued XX/XX/XXXX. By them deleting the collection accounts they are held civilly liable for the violation in which my reputation, character, and ability to obtain credit have been damaged. Pursuant to 15 U.S.C 1692.

Here is a list of the violations as shown in the letter attached : 15 U.S.C 1692e 2 ( A ) 15 U.S.C 1692e 14 15 U.S.C 1692c 15 U.S.C 6802 a 15 U.S.C 6802b 1 15 U.S.C 6802 b ( A ) 15 U.S.C 6802 b ( B ) 15 U.S.C 6802 ( C ) 15 U.S.C 1681b ) 15 U.S.C 1681b ( A ) 15 U.S.C 1681b ( A ) 2 15 U.S.C 1692j 15 U.S.C 1611 U.S.C 45 CFR 164.502 ( d ) 15 U.S.C 1681a 4 15 U.S.C 1681a 3 ( a ) ( b ) ( c ) 15 U.S.C 1681b 4 I am demanding monetary relief in the sums of {$16000.00} from Transunion. 

Attachments Affidavit of truth XX/XX/XXXX Investigation Results XX/XX/XXXX Updated credit report with the deleted collection accounts XX/XX/XXXX Invoice sent XX/XX/XXXX XXXX receipt stamped 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 explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions 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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: NC
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:
I am writing to bring to your attention the inaccuracies that are present on my consumer report regarding my student loan accounts. I have identified several discrepancies and I am requesting that they be corrected immediately. 

The first issue is with the account labeled U S DEPT OF EDXXXX. According to my XXXX consumer report, this account was opened on XX/XX/XXXX. However, I can assure you that I was not in school at that time. My records indicate that my last enrollment in school was in XX/XX/XXXX. Therefore, this information is inaccurate and I request that it be corrected. 

The second issue is with the account labeled DEPT OF ED / XXXX. This account is well over 7 years old and I would like it to be removed/deleted from my consumer report.

Finally, the third issue is with the account labeled US DEPARTMENT OF EDU and how it is being reported by Equifax. Equifax is reporting that I have missed XXXX payments, which is giving me a XXXX XXXX payment history. This is completely inaccurate and is only being reported by Equifax and not the other bureaus. This inaccuracies is truly affecting my credit worthiness and is a clear violation of the FCRA 15 USC 1681a 3, 15 USC 1602p, 15 USC 1692j, 15 USC 1681 ( a ) ( 2 ) ( b ), 15 USC 1681b, 15 USC 1681s-2 ( a ) ( 1 ) ( e ) ( ii ). 

I request that these inaccuracies be corrected immediately and that appropriate action be taken to ensure that they do not occur in the future. I would appreciate a response to this letter as soon as possible. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
sallie mae promised forms for my doctor to fill out because I am XXXX and so my husband, the loan can be forgiven, then they took it back, they lied to myself and husband, now threaten to ruin our lives financially, the rude employee XXXX, said she didnt care about helping us they are violating a cease and desist with constant robot calls my son told they work out a payment they want XXXX per month on XXXX at high unsteady if 12 % they loan sharks. The school didnt tell us it was private loan they are predatory, I can pay XXXX per month on XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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:
I disputed this inaccurate information on XX/XX/XXXX and reached out to the following companies for assistance and have not resolved this solution ( PLEASE SEE EQUIFAX DISPUTE ATTACHED ) I provided Equifax with my identification ( Drivers license ) and a copy of a police report ( PLEASE SEE ATTACHED ) that shows I am a victim of identity theft and let them know this action items where UNAUTHORIZED and not a result of my doings In my dispute I asked that an unknown address AND unknown hard inquires be removed as they are damaging my reputation and character The result of Equifaxs investigation took LESS THAN 24 HOURS and the findings were as follows : Address - REMOVED Hard Inquires - found valid PER, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

**** Equifax is in violation, as I have stated and provided documentation that these hard inquired are inaccurate! I have explained that this false reporting is unfair, and affecting the privacy of my information.

PER, 15 U.S.C 1681 e - Accuracy of Report ( B ) states. Whenever a consumer reporting agency prepares a consumers report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relate.

**** Equifax has not gathered or provided reasonable procedures as they completed there investigation in under TWENTY FOUR HOURS proving they DID NOT provide the maximum possible and reasonable procedures to ensure this false information reporting on my credit report is accurate. 

The following HARD INQUIRES SHOULD BE DELETED! 

XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-08-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Hello, Mazda sold me a lemon car. And only compensated XXXX XXXX But ever since they keep retaliating against me by keep sending me letters saying if you ever be late again, we will repossess the car without any notice. I just made a payment even though Ive been out of work because of back injury but mazda still trying to repossess the car and keep sending me letters saying we will repossess. Ive already paid the half pf the loan but they still keep trying to take the car away, which the car is defective but who will compensate all of my payments that Ive made until now? I submitted a complaint to Colorado regulatory agency but they said they dont have the jurisdiction. Who can help me? 

Mazda car that they sold me as new was a lemon and they refused to take any responsibility but only compensated XXXX $ for this defect and ever since they keep retaliating against me for it and even though I am making my payments, they still keep sending me letters every month, threatening me that they will repossess the car if I ever be late with my payments in the next 12 months. 

In addition, they double charged me in XXXX by adding over XXXX $ To my balance, when my payments are supposed to be XXXX $ a month, plus, my loan contract says 62 months, but someone made manual changes to it and now it shows 63 months, when this car is supposed to be at 0 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: VA
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 has violated several FCRA US code 15 rules on my account.

violation of 1681 ( b ) permissable purposes of consumer reports and violation of 1666 ( b ) timing of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: VA
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:
Did not apply for any credit service with this bank or allowing them to pull my credit without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to Transunion to have these unknown inquires removed. This inquires are not listed on my XXXX report or my XXXX report. I asked that these inquires be investigated. I have not received a response nor have the companies provided proof that I authorized these inquires. The request to have this information removed has been well over 90 days. 

I will attach my report from XXXX, and XXXX so you can see that these were not authorized as the do not show on my other reports. Neither company has provided written documentation that I approved these inquires.

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 2022-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Capital One refuses to honor my request to close a checking account. 

On XX/XX/XXXX I mailed Capital One a signed letter via USPS First Class Mail requesting a closure of my account. A copy of the letter text is accompanying this complaint for reference. As of today, XX/XX/XXXX my account is still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: IL
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 report XXXX accounts XXXX XXXX {$820.00}, XXXX, Bankruptcy XX/XX/2016, XXXX XXXX XXXX {$720.00} XXXXXXXX XXXX {$8000.00} has violated my rights 15 U.S.C1681 section 602a stats I have the right to privacy.

15 U.S.C 1681 section 604a section 2It also stats a consumer reporting agency can not furnish a account with out my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Edward F Bukaty III
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Was contacted by Edward Bukaty, Attorney in regards to the alleged debt via mail in XX/XX/2023. In this notice it was NOT specified to only contact by phone or by mail, the company-provided their email address in the header as well. It mentioned responding by XXXX and i did so. I responded to Mr Bukaty via email on XX/XX/2023 to dispute the alleged debt, his association, its entirety in general. Mr. Bukaty responded with having a lawsuit filed XX/XX/2023. Mr. Bukaty was emailed on his business email server at XXXX. Since then one with access to this server has opened my correspondence regarding the alleged debt a total of 13 times the most recent being XX/XX/2023 at XXXX from a XXXX XXXX LA IP address in the city in which Mr. Bukaty practices. Mr. Bukaty and XXXX XXXX knowingly and neglectfully disregarded the dispute and continued to report negative markings on my credit report. No acknowledgment of email or correspondence of any kind was sent to validate their claim. No Contract. No Billing Statements. ( Past or Present ) No Response! Not even a notice refuting my dispute to be frivolous or irrelevant. Mr. Bukaty office acted premature and malicious in filing the law suit. 
It was not until i received notices from 2 bankruptcy attorneys on today XX/XX/2023 i was able to confirm my personal information was listed to the public via court records in a lawsuit. A search on the Court records confirmed this lis pendis as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am making this complaint myself, this is not a third party company making this complaint but me XXXX XXXX. I wrote the credit companies to have them remove accounts from my credit report that were not mine i included a copy of the police report showing that it was identity theft.

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 2022-12-07
Company: Experian Information Solutions Inc.
State: LA
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 sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, three checks were written from my account in the amount of {$600.00}, {$600.00}, and {$600.00}. The check numbers were XXXX, XXXX, and XXXX. On XX/XX/XXXX, two more checks were written from my account in the amount of {$800.00} each. These were checks XXXX and XXXX. All of these checks were not mine and were fraud. I filed a claim with Citizens Bank ( the bank which the account was hacked from ) on XX/XX/XXXX. The claim number is XXXX. Also on XX/XX/XXXX, I tried closing my checking account with the XXXX OH Citizens Bank branch. The bank tellers told me my account would be closed and that all attempts to take money out of this account would be put on hold. However, on XX/XX/XXXX, check XXXX was written in the amount of {$350.00}. On XX/XX/XXXX, checks XXXX for {$600.00}, XXXX for {$580.00}, and XXXX for {$520.00} were written. None of these checks were mine and whoever wrote them, spelled my name wrong on the signature line. I filed another claim with Citizens bank and that claim number is XXXX. I was told by multiple members of the claims department that an affidavit would be mailed to me and that I was to sign it and send it back to the claims department. However, the affidavit never came. I called the claims department on XX/XX/XXXX to have the affidavit resent to me and the woman I spoke to said she would have to email her boss to see if they can send another affidavit. She told me to call back Monday XX/XX/XXXX if the affidavit didn't arrive. The affidavit never showed up in the mail again. I called the claims department again on XX/XX/XXXX to ask for the affidavit to be sent out once again. This time the woman I spoke to said she would mail it out and that as soon as I get it, to have it notarized in the XXXX OH Citizens Bank  branch and then fax it to XXXX. This affidavit still hasn't come in the mail yet. 
I also have been charged multiple overdraft fees from my account due to these checks. I was told by XXXX of the XXXX OH branch that all of these overdraft charges would be refunded. On XX/XX/XXXX, {$1600.00} was taken from my savings account and transferred to my closed checking account to cover the overdraft fee. This transfer happened without my permission and I do not know who did this. On XX/XX/XXXX, I called the XXXX OH Citizens Bank branch and they did not know why this would have happened. 
I also have a paycheck that is still in my closed account that I can not transfer to my new account due to the fraudulent overdraft.

Company response to consumer: Closed with monetary relief