BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: Global Lending Services LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
We went to XXXX of XXXX texas about a month and a half ago. It took forever to get approved for loan for vehicle. Ever since we got the vehicle, there has been nothing but problem after problem. We tried getting XXXX to trade us out of the said vehicle into another vehicle. Global lending services has been helpful trying to get us a substitution of collateral from XXXX of XXXX. XXXX of XXXX has not been helpful in any case at all. They sold us a car with lots of problems and refuses to help resolve the issue, basically saying " sorry about your luck reapply for credit. '' And we have been denied because we're stuck in this loan with a faulty car, and XXXX of XXXX has not helped whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After reviewing my credit report, I am dissatisfied to see the following items that are still showing up in there, despite the fact that I have informed you that they are inaccurate and detrimental to my credit score, and they can still be seen in there, which is causing me to become increasingly irritated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: RI
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:
Dear Consumer Financial Protection Bureau, I am writing to express my deep concerns and frustration regarding the recent investigation I conducted on my credit report. The findings of this investigation have not only caused me severe emotional distress but have also uncovered several unverifiable, invalidated, inaccurate, and questionable items. I believe it is essential for your agency to ensure that all information reported on my credit report is 100 % accurate, in accordance with the Fair Credit Reporting Act. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is clear that credit reporting agencies are obligated to maintain the utmost accuracy when reporting consumer information. Unfortunately, these accounts that I have identified are in clear violation of these statutory requirements as they are not reporting information that is 100 % accurate. 

I would like to bring to your attention that the credit reporting agencies have acknowledged these discrepancies in my credit report. However, their response and action taken thus far have been insufficient, and these inaccuracies continue to affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and ensure that the necessary corrective actions are taken promptly. It is of utmost importance that my credit report accurately reflects my financial history, as these inaccuracies have significant implications for my financial future. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution of this issue and appreciate your dedication to upholding the integrity of credit reporting in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX Citibank closed my account for unknown reasons. 
They were supposed to disburse all the money in my account to to me by check. 
When I got my check the amount of {$2500.00} & {$1400.00} that were deposited into my account by XXXX were missing from the check. 
I have called Citibank & went to Citibank branches over the course of 8 months to get ahold of this money. They have told me numerous times that they would send it to me or send it back to XXXX & they have never done so.

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 2023-08-11
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized inquiries in my 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 explanation
Consumer complaint received 2019-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Filed a dispute on XX/XX/XXXX and still do not have resolution. It has been longer than 30 ays, right at 45 days now and still no answer.

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 2023-05-04
Company: Zions Debt Holdings
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
zions debts holings is reporting a fraudelent account that was opened in my name due to identity theft .im filing this complaint because of identity theft.15USC 1681 this account supposed to be removed in 4 days not 30 days.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Experian Information Solutions Inc.
State: WI
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 XX/XX/XXXX? XXXX I sent a letter to Experian and XXXX asking to provide me with documents that they were verifying as accurate on several accts. on XX/XX/XXXX it was submitted into dispute and on XX/XX/XXXX was once again verified as accurate without providing any information on how they verified this information. one of the account had been sold to a different source a couple years ago and I was never provided that information yet still appears on my credit profile. I sent a letter via certified mail stating to please provide me with MOV or I would be contacting CFPB

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 2023-09-07
Company: EQUIFAX, INC.
State: NV
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
An authorized payment to my credit card were deducted from my available balance on XX/XX/19 and XX/XX/19. Which also had the funds to cover the payments. However the next day the transactions on the list were rearranged in an order to where the credit card payment deducted on XX/XX/XXXX was reversed and a NSF assessed to it as well. I contacted my bank and they were unwilling to do anything or offer a logical explanation. I have the statements to show and validate my claim. My overall complaint is they rearranged the transactions then reversed a transaction already covered by a positive balance. Then reversed it and assessed an NSF fee to be able to distribute the payment to other transactions to cover them. The bank is PNC. My name is XXXX XXXX. My contact is XXXX and my cell # is ( XXXX ) XXXX. Ive also attached my statement outlining in red the reversal and outlined in blue are the transactions being taken out with a positive balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX a balance transfer was initiated with XXXX XXXX credit card which is owned by Barclays Bank. A request was submitted to transfer {$3000.00} to a XXXX XXXX credit card account to take advantage of a zero percent interest offer made by Barclays Bank. The funds posted to the Barclays account as being transferred, but never made it to the XXXX XXXX account. An investigation was started at Barclays Bank on XX/XX/2019 ( Case # XXXX ). No corrections were made to the account and a second call was placed to Barclays on XX/XX/2019. Barclays advised they would escalate the investigation and gave the same case # as reference for their investigation. No corrections or contact has been made again, so a third contact was made on XX/XX/2019. The Operator on the call that day ( Oper ID # XXXX ) advised the case would again be escalated. When asked to speak with a supervisor the operator advised none were available to take the call. She also advised the issue would be resolved in 24-48 hours. Another call was made today ( XX/XX/2019 ) and still no resolution. Spoke with two separate supervisors ( XXXX and XXXX ). Between calls with them, contact was made with XXXX XXXX customer service to see if they could help in any way. XXXX XXXX requested information on what account number the transfer had been sent to, how the transfer was sent ( check or electronic transfer ), and the date when the transfer 'cleared '. The representative from Barclays ( XXXX ) was only able to say that the 'back office ' was handling this and to give them another 7-10 business days before calling back again. It is completely UNACCEPTABLE that Barclays Bank ( XXXX ) is unable to confirm where this money has been sent after more than 6 weeks and multiple calls to them. Also contacted XXXX XXXX again and they advised no investigation can be opened on their side to locate the funds even with the information gathered ( the transfer was electronic, it 'probably ' cleared on XX/XX/2019 - but this can't be confirmed because they won't look up the account number that Barclays shows the funds were transferred to ). Because funds are not in my account they will not open any investigation to find the funds and continued to refer me back to Barclays Bank. 

Please advise what else can be done to fix this issue as neither bank is providing service to locate the missing funds!!

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 2021-09-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: EQUIFAX, INC.
State: MI
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:
Claim : 1. No statements received between XX/XX/2021 and XX/XX/2021 2. Believed was paying pursuant to my card agreement 3. No access to online statements because card was canceled 4. XXXX XXXX sent charge card account to XXXX XXXX XXXX XXXX, an outside collection agency, at an alleged forty- two ( 42 ) days past-due on or around XXXX XX/XX/2021 a ) acknowledged by XXXX XXXX in XXXX XXXX Letter in response to CFPB XXXX XXXX 5. Spoke with XXXX representative on XXXX XX/XX/2021 regarding not having received bill a ) acknowledged by XXXX XXXX in XXXX XXXX Letter in response to CFPB XXXX XXXX 6. XXXX filed a billing error notice with XXXX XXXX ( in writing ) on my behalf on XXXX XX/XX/2021 a ) XXXX XXXX acknowledges receipt of notice in XXXX XXXX Letter in response to CFPB XXXX 7. XXXX XXXX did not cease efforts to collect on disputed amount a ) acknowledged by XXXX XXXX in XXXX XXXX Letter in response to CFPB XXXX XXXX 8. Billing Error notice should have also triggered a direct dispute under 12 CFR XXXX 9. XXXX XXXX did not notify me of their findings a ) XXXX XXXX circumvented an investigation by having XXXX verify the current address Harm : 1. No effectuation of notice via periodic billing statements between dates identifeid in claim 1. 

2. XXXX XXXX did not investigate reasons for non-receipt of bills a ) acknowledged by XXXX XXXX in XXXX XXXX Letter in response to CFPB XXXX XXXX 3. XXXX XXXX continued to bill and report negative credit history to CRAs without an investigation into reasons for billing errors ( non-receipt ) a ) acknowledged by XXXX XXXX in XXXX XXXX Letter in response to CFPB XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: Nelnet, Inc.
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Respected Sir or Madam : I am following up with regards to my earlier complaint ID XXXX which was logged with CFPB. 

The lender insists that for international student the only way to repay is through XXXX. As I alleged in my previous complaint there seems to be a nexus between the two firms where they are forcing students to ONLY use XXXX service which charges not only an exorbitant fees but also is very poor in managing the payment. Unfortunately in absence of any other solution offered through my previous complaint, I had no choice but pay through XXXX. 

However, a payment that XXXX insists was posted on XX/XX/XXXX, ( Please see the attached receipt ) is still not reflecting on the firstmark system. They are insisting on reporting a late payment to the credit bureau when I have made the payment well within the deadline of XX/XX/XXXX ( Please see the threatening language in the attached email from firstmark ). 

This is creating a lot of stress for me and my co-borrower and borders on criminal. We would be highly obliged if you please escalate this matter as it seems Firstmark seems to be taking your powers very lightly. 

Thanks and regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, 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:
This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still ITEMS that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these ITEMS ( A ). I hope these disputed ITEMS are updated. 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
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. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental 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 required, pursue legal action to safeguard 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 2022-10-24
Company: Experian Information Solutions Inc.
State: DC
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:
There was an account with XXXX XXXX that I was made aware of when attempting to get pre qualified for a home loan. I was never aware of this account nor did I open this account. I sent each bureaus two letters asking for how they added this information to my credit report and asked them to verify the account. To date all I got bacl was what appeared as a generic letter stating just verified. They did not provide me with the details I requested either. 

Account information is XXXX Account Number XXXX In accordance with the Fair Credit Act XXXX the Account listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Act XXXX  the information provided below has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without 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 explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
There is a XXXX account showing up on my personal consumer report that does not belong to me.

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 2023-08-30
Company: EQUIFAX, INC.
State: CA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation