BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
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:
I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations. I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry, I request proof that you confirmed that the creditor had a permissible purpose. I am giving you 10 Days to investigate this matter and determine whether it is still accurate, valid, and in compliance. If you can not provide proof that the information is accurate, compliant, or valid I demand that you remove it from the report. I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a newly updated report. This will help me stay updated on the progress you are making. The following items on my report appear questionable! Please certify that all claims are true and accurate, complete, and timely reported. If not, please delete it 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 2023-02-27
Company: EQUIFAX, INC.
State: MI
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 have noticed that there are several late payments that are reporting on my credit report. I have been trying to get this issue seen about for months with XXXX, Equifax, and XXXX regarding the reporting of late payments. 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ] ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumercredit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Late Payments that are reporting that shouldn't be : XXXX XXXX - XXXX Account # XXXX ) XXXX XXXX XXXXXXXX - XXXX Account XXXX XXXX ) XXXXXXXX XXXX XXXX ( Account # XXXX ) XXXXXXXX XXXX XXXX - ( Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - ( Account XXXX XXXX ) XXXX XXXX XXXX - ( Account # XXXX ) XXXX XXXX - ( Account # XXXX ) XXXX - XXXX Account # XXXX ) XXXX - ( Account # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
JEFFCAPSYS HAS PLACED A FRAUDULENT ACCOUNT ON MY CREDIT. THIS ACCOUNT IS CURRENTLY REPORTING TO XXXX AND XXXX. 

FOCUS XXXX XXXX HAS PLACED A FRAUDULENT ACCOUNT ON MY CREDIT. THIS ACCOUNT IS CURRENTLY REPORTING TO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I experienced a severe XXXX condition that affected my ability to work and thus my ability to pay my bills. I contacted all my creditors and asked them for forbearance- until I could start receiving XXXX pay and/or get back to financial stability. 

Every creditor BUT Citibank was willing to work with me and I kept my payments and my credit record unblemished. 

Citibank 's customer service response was clear and unconscionable. When I asked their Customer Service staff for assistance their response was clear & unequivocable. When I told them of my severe XXXX XXXX they told me : " That Citibank would just recover what I owed from my estate when I was dead. '' I offered to pay what I could for a time but they said that " unless I paid the full amount due that they would close my accounts and report my non-payment to the credit bureaus. '' That I would never get another credit card for as long as I lived. '' Well they were true to their word- they closed my XXXXXXXX XXXX XXXX XXXX XXXX  cards and destroyed my XXXX Rating. All my other XXXX accounts were paid the best I could and worked with me to resolve my debts to them. I will never forget the Citibank Customer Service person asking if I had Life Insurance and when I told them I did they said : " looks like you are worth more dead than alive ''! 

I am now being hounded by lawyers for Citibank telling me that they will sue me and take everything I have. 

Citibank Account details : # XXXX : XXXX XXXX Signature : XXXX # XXXX : Citi XXXX XXXX : ending in XXXX # XXXX : Citi XXXX ending in XXXX ( I never requested relief on this card after my experience with the above XXXX. ) I sincerely hope that you can assist me in this matter! 

Thanks in advance!

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 2023-11-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX XXXX i XXXX XXXX a Wells Fargo XXXX account holder with Wells Fargo trusted FDCI institution I observed over several transactions that I myself XXXX XXXX XXXX didnt Authorize due to the unprofessional unethical conduct of investigation that was conducted who, whom, date and time account transactions were verified by whom investigated Consumers have 60 days from the time they receive their bill to dispute a charge with the card issuer or other lender. WELLS FARGO Account XXXX While the XXXX protects consumers from unfair billing practices, the Fair Credit Reporting Act ( FCRA ) addresses practices involving the use of a consumer 's personal information. 
customer reported that Wells Fargo had closed his account one that he was persuaded to open by a teller and never used after someone had fraudulently used the account. 
The customer said he only learned of the issue when he went to deposit a cash in the account. A assistant through the XXXX Wells Fargo said the account was closed because it had been overdrawn and that i would receive a letter I XXXX XXXX would like to keep my account in good relations I always had the balance of the account why pay a balance of something that was stolen from me I being robbed twice from the banking system and the scammer I would like to pay to keep my bank account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Creditors Bureau is asking for {$70.00} dollars more that what is owed to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) The breakdown of the original amount due, what ways paid, was is still owed doesn't match at all with the medical service amounts. 

When I called the Creditors Bureau, they pretended that this was what the medical service gave them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XX/XX/2023 BY TRANS UNION EMPLOYEES. INSTEAD OF THE DISPUTE BEING INVESTIGATED THEY REPLY BY MAILED WITH A LETTER DATED XX/XX/2023 THAT THE INVESTIGATION WAS NOT UNDERTAKEN BECAUSE THEY DID'T BELIEVE IT CAME FROM ME. I ALONG WITH THAT DISPUTE I INCLUDED ALL MY VERIFICATION DOCUMENTS AND THEY REPLIED BY TO ME USING MY ADDRESS. SO THE EXCUSE POSE BY TRANS UION DOES NOT MAKE ANY SINCE AND IS A CLEAR VIOLATION OF 15 USC 1681i. SO NOW IM GOING TO RE-SUBMIT THAT SAME DISPUTE THROUGH MY PERSONAL CFPB DISPUTE PORTAL THAS HAS BEEN VERIFIED BY THIS REGULATORY AGENCY. ATTACH TO THE FIRST PAGE IS A AFFIDAVIT OF IDENTITY SO THER IS NOW NO QUESTION WHERE THE DISPUTE ORIGINATED FROM. THIS DISPUTE IS SPECIFICALLY FACTUALLY BASED AND TRANS UNION HAS NEVEER INVESTIGATION THIS FACTUAL INACCURACY BEFORE AND THERE IS EXHIBITS ATTACHED TO THE DISPUTE SHOWING CLEARLY ALL THE INACCURACIES BEING REPORTED BY TRANS UNION 'S. NOW TRANS UNION MY SAY IT REPORTING ACCURATELY BUT AS YOU WILL SEE THAT WILL BE A LIE BECAUSE THE ATTACHED DOCUMENTS CLEARY SHOWS THE INACCURACIES I NEED THE CFPB TO SEE THAT THIS RE INVESTIGATION FINALLY TAKES PLACE AS I WAS TOLD BY TRANSUNION PREVIOUSLY, THAT WHEN I HAVE ADDITIONAL DOCUMENTATION TO SUBMIT TO RE-SUBMIT ALONG WITH THE DISPUTE AND I'M DOING JUST THAT

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 2023-11-23
Company: Experian Information Solutions Inc.
State: NV
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-01-02
Company: U.S. BANCORP
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
received mail with PIN numbers about accounts opened with us bank checking, savings and money market and checks have already been written and deposits already in 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 non-monetary relief
Consumer complaint received 2023-01-11
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am the XXXX XXXX XXXX XXXX XXXX XXXX. I own a XXXX XXXX  that employs XXXX XXXX and cares for XXXXXXXX XXXX 
M & T bank placed a freeze on my business bank account after depositing a check which resulted from the sell of my company car and withdrawal of the proceeds. 
This freeze has prevented me from being able to operate my business. 
I have been unable to pay my staff ( run payroll ) and order supplies like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

M & T did not notify me that this freeze was placed on my account. I found out after my debit card kept getting declined with various merchants.

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 2023-01-09
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We are writing to obtain assistance in receiving a refund of money paid to Comenity Bank ( XXXX XXXX XXXX, XXXX, OH XXXX ) to settle an account. Most of the particulars are in the attached letter to Comenity ( XXXX ), and we would ordinarily give them time to respond. However, they have been less than responsive in spite of numerous telephone inquiries, and we have no reason to believe they will change their stance. 

In addition, we are concerned this may represent part of a pattern of delay designed to reap extra late fees for the company by not promptly crediting payments and/or crediting them to the wrong account. Both are documented in the attached correspondence ; we dont know if this is a singular occurrence, or if it involves many other customers. 

Since opening the account, we have noticed several attempts to charge interest and fees in spite of paying her account timely. This has been due to late crediting of payments and failure to honor terms of the rewards program in which she is enrolled. Indeed, during the last month, the company imposed {$10.00} in interest charges in spite of a XXXX balance at the close of the previous statement ( see XXXX and XXXX ) We are submitting evidence that our bank has paid the items in question ( red arrows on document XXXXg ). That document is from the banks website ; we do not as yet have an account statement. We will give permission to confirm payments with the bank. 

Our biggest concern is with the series of events documented in our letter to Comenity. We think they may have purposely delayed crediting our check payments to collect additional late fees and interest. Thinking the checks lost, we initiated payments at the last minute on the banks website to avert such fees. However, when the bank found the checks, nearly a month after the first one was mailed, we were left with a substantial overpayment, which wed like refunded. 

In addition, the bank claimed not to have received XXXX of the payments, until, after hours of fruitless discussion, a XXXX discovered it had apparently been credited to the wrong account. 

We are asking for you to investigate to assist us in getting our money back. We also ask for you to see if you have a pattern of complaints involving other customers of this bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-01
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am writing to file a formal complaint against Credit Acceptance Corp regarding an auto loan account with Account Number XXXX, which was allegedly opened on XX/XX/2017, and currently shows a balance of {$8700.00}. I have discovered this account on my credit report and believe that I am a victim of identity theft. 

The circumstances surrounding this account are deeply troubling, especially in light of the XXXX database breach that occurred around the time this account was supposedly opened. Pursuant to the provisions outlined in 15 USC 6804 and 15 USC 6802 ( b ), I have formally disputed the existence of this account with Credit Acceptance Corp, requesting a thorough investigation into its origin and legitimacy. 

Furthermore, I have exercised my right to opt-out of any information sharing practices related to this account. I have also requested all pertinent documentation related to the account, including applications, signatures, contracts, a copy of the drivers license, and any other information on file. 

Despite my efforts to rectify this situation directly with Credit Acceptance Corp, I have encountered resistance and am concerned about the potential impact on my credit and financial well-being. Therefore, I am seeking the assistance of the Consumer Financial Protection Bureau in resolving this matter. 

I kindly request that the CFPB investigate this dispute and take appropriate action to ensure Credit Acceptance Corp complies with the relevant consumer protection laws. Moreover, I request your intervention to halt any collection activity associated with this disputed account and to address the potential violation of my rights under the Fair Credit Reporting Act. 

Enclosed, please find copies of the dispute letters I have sent to Credit Acceptance Corp, along with any supporting documentation related to this case.

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 2023-02-23
Company: Experian Information Solutions Inc.
State: WV
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 information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : The account information is below : 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 2023-04-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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 2023-02-14
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
The card is with Synchrony Bank ( XXXX XXXX ) for car repairs. I applied when I had a costly car repair bill in XXXX. I've been paying it down and the company actually closed my account so I couldn't use it anymore for car repairs. Their claim was I didn't make payments on time ; however, I disputed this but then thought it was best to pay it off get rid of the card as I didn't have good experiences with customer service and online reviews of other consumers claimed questionable practices. 

On XX/XX/XXXX, I signed on and saw that my balance was {$160.00} so I chose to pay it off and get rid of the card. I received a confirmation email after I made the payment. 

On XX/XX/XXXX, I get an email from Synchrony saying my next payment is on XX/XX/XXXX. {$4.00}. First, they closed the account so how can additional money be charged to it? I tried to get in touch with customer service to no avail and the chat option did not work either as it's set up for automated responses. 

Further investigation shows they added interest to the account a day AFTER I paid the balance on XX/XX/XXXX. Please see attached documents. 


My information is below : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Phone : XXXX Email : 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 monetary relief
Consumer complaint received 2024-01-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit 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:
Made a purchase from amazon on XXXX XXXX for XXXX so one three items showed up and the foruth went missing after the driver claimed he delievered it but the delivery photo below you can see that only a case was delivered and the computer wasnt. so the other three items i have returned those items and still i have tracking and proof from the site that thye got those items but the computer even thou they claimed got delivered wasnt and their own photo proves that.They have lied to me for month and half now and told me that they wont help me and i shouldnt call them back or email even took it a step more and close my account for calling about it. i was mistreated and dragged by the company employees who literally told me go do something better with your time and hang up like this is crazy what i been through. So i disputed it with my credit card and over a month now i havent got a temporary credit or update and i have submitted even faxed proof that i am gon na upload here for you guys i really need a solution as am being charged and mistreated even bullied by this company

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