BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: IN
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX placed a hard inquiry on my credit report. 
XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX also appeared as hard inquiries on my report. 
I have never inquired requested or even heard of any of these companies which are located in several different states and I have no use for banking services I can't physically visit for assistance. I advised XXXX and XXXX of my dispute via telephone and was told I must contact original creditor listed above. I contacted 3 of the above creditors to see how they got my information, they required my social security number, name and address to check for my information and I was told no record of me could be found, and they are unable to send any type of request to remove from credit report since they have no demographics or file with my information. 
I contacted XXXX and XXXX XXXX again with information above and request to remove hard inquiries, I was told I must send written dispute and request inquiries be removed. 
I mailed 2 dispute letters to XXXX, Equifax and XXXX XX/XX/XXXX and XX/XX/XXXX no response. I Called to check status on written disputes after 30 days on XX/XX/XXXX. No record of my dispute can be found with XXXX, Equifax or XXXX XXXX. 
Called XXXX XXXX and Equifax again they still have no records of my dispute and are unwilling to help me get this resolved and remove these unapproved inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act XXXX bank Account Number : XXXX has violated my rights 15.u.s.c 1681 section 602 a states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 it also states, a consumer reporting agency, can not furnish a account without my written instructions

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 2022-05-22
Company: BOK FINANCIAL CORP
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The bank institution was BankOfTexas in XXXX XXXX TX. On XX/XX/2022 I had {$1900.00} stolen straight from my checking account with XXXX. I did not authorize these charges. XXXX says the bank should reimburse me the bank says XXXX should. Mean while Im sitting over here with no money. The bank closed that account and reopened me a new one but they are giving me the run around. The money shows to be transferring to a man named XXXX. XXXX and several amounts were being transferred. I never received any kind of security warning. I just want my money back and for XXXX to figure out why this is such a big deal right now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was involved in a car accident in XXXX XXXX on XXXX XXXX. The car that I was renting was from XXXX and I was charged {$20000.00} to my American Express XXXX card for the price of the car. American Express has car rental insurance so I was assigned a person for the claim. I was informed on the recorded calls in XXXX ( possibly XX/XX/XXXX ) that were that they were backed up in their insurance claims department so that it was taking awhile to process. I expressed to this person that I was worried about the interest fees on my card so they transferred me back over to the customer service side of AMEX. While on the phone with this customer service representative, which was being recorded, I was informed that my interest charges would be waived during the duration of the claim process due to it taking a longer time than usual to process. 

I was then given a new claims representative in XXXX where I was asked for more information. I decided to call American Express in early XXXX to just get rid of my balance while the insurance process was finishing up with Amex & XXXX. I asked American Express to honor getting rid of the interest that they said that they would on the recorded call back in XXXX but they informed me after a month long investigation into that call ( On XX/XX/XXXX ) into that call that they would not honor it and I was given no explanation why. I was told by a representative during my call in early XXXX there there was a note in my file that stated that my insurance claim was processed wrong which delayed the process. I am 100 % positive that the representative said that it would be honored and felt safe because it was a recorded call. I have been with American Express for 7 years and have 2 cards under my name and I never had ONE late payment. I asked them was there anyway that I could get that call for myself to listen to but was denied. I'm sure the representative did not think that the claim would take as long as it did to process but that is of no fault to me and that promise shouldn't have been made if it could not have been upheld. I am asking that American Express reimburse me {$2600.00} of interest accrued that was promised of me from the customer service representative on our recorded call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this 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 non-monetary relief
Consumer complaint received 2023-04-21
Company: TD BANK US HOLDING COMPANY
State: TN
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:
This Target credit card account was paid off but is still showing open and more than the original credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
There is an authorized User account on my Equifax credit report. This is a charge-off account, therefore negative, that I am not financially responsible for due to me being an authorized user only ( shows that in attached Equifax Credit report ), and I disputed this item with Equifax and XXXX. XXXX deleted this charge-off account from my credit report IMMEDIATELY ( see attached XXXX dispute results and XXXX credit report ), and Equifax did nothing, only verifying the item belongs to me. ( See Equifax Credit report and Equifax Dispute Results ) Please remove this negative item from of my report immediately. I have attached also excerpts from both Equifax and XXXX websites that further say that authorized users are not responsible for debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This company claims that they updated XXXX  to reflect that a {$30.00} payment was made for XXXX. However, they failed to update Transunion and XXXX  to reflect these payments. Both bureaus still show a {$30.00} balance which was paid. I am attaching the confirmation email when the payment was submitted.

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 2021-08-31
Company: Mercedes Benz Financial Services
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
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:
This lender has failed to release the lien on my auto title despite the loan having been paid in full for over the 30 days permitted by state law. The loan was paid off on XX/XX/XXXX, and I have made multiple requests for the clear title. I called again yesterday ( XX/XX/21 ), and was again informed that the title has not been released, with no answer of when I will receive it. This has now resulted in TWO deals that have fallen through where I have arranged to sell the vehicle, but the buyers have backed out due to not having the clear title in hand. I will be filing a lawsuit as a result. They are in violation of state law by not releasing the lien within 30 days of the loan being paid in full, and for the monetary loss I have sustained by being unable to sell the vehicle that I rightfully own outright.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards the data provided is not always accurate complete or update i demand that any wrong incomplete or unsupported material be updated XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: Kovo
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Kovo Inc, I am writing to bring to your attention the inaccurate reporting of an account on my credit file, which I believe is a direct violation of the Fair Credit Reporting Act ( FCRA ). I recently obtained a copy of my credit report and after careful review, I discovered discrepancies that need immediate attention. Balance Discrepancy : The reported balance on this account is {$190.00}. However, I have no knowledge of this account, and the reported balance is inconsistent with any financial transactions or obligations on my part. Late Payment Inconsistency, According to the information provided by XXXX, this account shows five late payments. However, upon reviewing the records, it is evident that only one late payment has occurred with XXXX which is a direct violation of the FCRA. 

The false reporting of this account has caused me significant stress and has the potential to negatively impact my creditworthiness. In light of the FCRA regulations, I kindly request the immediate removal of this account from my credit file to ensure accurate and fair reporting. I expect this matter to be resolved promptly, and I kindly request confirmation of the removal of this account from all three credit bureaus ( XXXX, XXXX, and XXXX ) within three business days from the receipt of this letter. Failure to address this issue within the stipulated time frame will leave me with no option but to pursue legal action to rectify this matter. I trust that we can resolve this matter amicably and avoid any unnecessary legal proceedings. Please acknowledge the receipt of this letter and provide a written response outlining the actions taken to rectify the inaccuracies in question. 

Thank you for your prompt attention to this dispute. I look forward to a swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
to whom it may concern, i recently sent out letters in regard to inaccuracies on my credit report and yet to receive any indication that an investigation has been open or is being investigated. please see attached letters and consider this my initial dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There exists multiple documented late payments on my credit report that appear to be fraudulent and inaccurate. I would like for my credit report to be updated and correctly reflect no missed payments ever on this account. The error shows on all three of my credit bureau reports as 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 2021-12-07
Company: PNC Bank N.A.
State: TX
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:
I tried to complete my payment on several occasion over the phone unfourtunaly my job XXXX make me very dificlt to attend to the branch, PNC happen to acquire BBVA bank and the transition process has been horrible, I havent received my debit card or my credit card in the mail, I have tried several atempts to get it to my address, last atempt today they make an appointment at XXXX at a branch that only friday closes at XXXX, I tried to pay with my debit card over the phone calling the branch and been directed several times to the costumer service, costumer service pass me to credit card care department and they are not able to receive my payment with a debit card, they said their system dont allow them to receive a debit card payment, I receive the same response from costumer service one time one costumer service told me to doit in the website of PNC or with the mobile phone banking in the phone and follow his instruction they are not able. 
This been a horrible experience, now they posted a late payment in my credit report with a drop of XXXX point in my credit report. I called again costumer service in a recorded line and I am now able to pay. I will need to loose a day wage in order to go and make a payment and now my credit its been affected in a irreparable way. On top of this its almost XXXX min for everytime to talk to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : { ALL OF THESE INQUIRES WERE FRAUDULENTLY ADDED TO MY CREDIT REPORT AND NEED TO BE REMOVED ; EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. THANK YOU, XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX USA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: TRUIST FINANCIAL CORPORATION
State: VA
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 rewards from credit card

Complaint:
I have been a BB & T bank customer for over a decade. I am having an issue with the bank and hope either you can help me, or point me in the correct direction of someone who can. 

I submitted my XXXX rewards points for a {$500.00} cashback reward. It never showed up. 

Upon further investigation, BB & T sent it to an old address ... a home from which my family and I moved in 2017.

I reached out to BB & T in 2017 to make the needed address changes. While we moved our mortgage, we still use BB & T for our checking, savings and credit card, and we continued to receive BB & T correspondence at our current address. 

Now, when the reward check went to the wrong address - BB & T states it was because I did not make the proper address changes. That is confusing - as I did, in fact, make the address changes and as I stated, did get BB & T correspondence at my current address. 

I am concerned that BB & T markets its rewards programs as its own. When you log into the program, the BB & T rewards website landing page has BB & T at the top of the page and throughout the rewards online program pages. Yet, now that the {$500.00} rewards check did not find its way to our current address - BB & T responded with my repeated online messages that the problem is resolved because I did not change my address ( on what appears to be a 3rd party vendor and not BB & T ) and will only get the {$500.00} cashback reward if the check doesn't get cashed by someone else. 

BB & T needs to make it clear this is not a BB & T program and that all customer service items, such as address changes, need to be addressed with whoever that 3rd party vendor is. 

Not only am I currently out {$500.00}, I am confident this has happened to other customers as well. 

Can you please help me get the {$500.00} cashback reward that is owed to me? 

Thank you for taking the time to read through this email and for any action you can take to help 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 explanation
Consumer complaint received 2023-03-02
Company: Allied Collection Services, Inc. (Nevada)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After nearly 4 years of not receiving any contact from XXXX, I am being asked to pay over {$800.00} from a prepaid car rental that dated back to XXXX. As mentioned this was a prepaid service. Once COVID started they harassed me with wanting to pay more after a year had gone by. The appropriate amount was already paid as seen on my credit card statement, which I will attach. From then, I have been receiving many anonymous calls from a company known as Allied Collection Services , Inc . I have asked these callers of ACIS to please mail me any proof regarding what this charge is about and never is there action taken. The company is negligent and unresponsive. Documentation from the caller was never provided and this bill has been directly sent to collections reports. I was able to get it corrected with XXXX back in XXXX, however, now they are pursuing XXXX and XXXX. Not to mention, they have also attempted to sue me and their case has constantly been dismissed. There is nothing supporting their allegations and charges. Therefore, I ask that they stop harassing me and stop pursuing me from fraudulent or misrepresented fees.

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