BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
American Express XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX The inquiries on my Credit report auras are XXXX XXXX XXXX XXXX XXXX XXXX did not unauthorized report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: MO
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:
Im not sure whats going on. On XX/XX/2023 I filed a complaint for an alleged debt that was reporting to my Equifax consumer report by XXXX XXXX XXXX. I have given them more than 30 days to produce proof of this account as well as any written permission that was given to them by me to furnish the alleged debt onto my consumer report. XXXX XXXX XXXX has since removed its furnishing of this account from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/2022, I went to my bank and got a loan for an early lease buy out on a hyundai XXXX. We signed all the paperwork and the bank said all we have to is wait for hyundai to release the title so they can register the vehicle for me. The vehicle was originally leased by me and my daughter, it was registered in her name but she didnt want to continue the lease and bought a brand new hyundai and I decided to get a loan and buy it out early. Hyndai has very poor communication when I call, which has probably been 30 to 40 times in the last couple months, each person I speak to at Hyundai tells me something different or just the wrong information or not what the next person tells me even when calling five times in one day. My bank has called twice and has faxed Hyundai the paper work they claim they still need even though they have everything and have been paid fully by the bank and I have already been paying on my loan on my car that I cant register. It is still registered in my daughters name and now that she has moved away and she cant change her address because you cant have two vehicles registered and insured by the same person with two different addresses. The insurance is up in XXXX, her registration was up in XXXX for which we had to reregister it in her name, which I paid for and I have also already paid for my bank to register once they get the title. I have read numerous amounts of complaints against for the same problem and I work with somebody who paid off their car loan with hyundai, two years ago and still they dont have the title! I dont known what else to do, but I need that title now. This company is criminal for what they do to consumers! Please send me my title!

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 called TransUnionXXXX after I purchased a credit report with XXXX After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXXXXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-01
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize. i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2022-11-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Starting XXXX I tried to request copies of Wells Fargo payment from XX/XX/2022 to XXXX XXXX XXXXXXXX XXXX ending XXXX, for {$350.00}. Well Fargo website couldnt help me so went into Wells Fargo branch on XXXX XXXX XXXX After spending over an hour & the banker working with a rep. who was working at the phone number given to us to get copies. Banker was told it was faxed over to her branch 3 different times! No copies receive. Banker requested copies of front & back of payment be sent to my home address, I never received either. Banker put in claim to resolve the problems that we both had. Claim number XXXX XXXX to XXXX I called claim department told them nothing is being received, 5 requests for mail of copies, 3 requests for fax, 1 request to email payee the copies. Help!!! Thank you

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: ALLY FINANCIAL INC.
State: GA
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 checked my credit report and seen that there were discrepancies, and it was started on XXXX XXXX XXXX. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

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 2023-04-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
1. XXXX XXXX, HEY THIS ACCOUNT ( XXXX XXXX ) HAS BEEN ON MY CREDIT REPORT MORE THEN 7 YEARS AN THE OPEN DATE REPORTED IS INCORECT.

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 2021-08-13
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:
I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: TN
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:
My first attorney on XX/XX/2022 and again on XX/XX/2022 sent notifications to all three credit bureaus about XXXX XXXX XXXX My latest attorney sent on XX/XX/2022 a follow up and demand to the bureaus and creditor with no reply at all. I'v called the creditor and get passed around trying to validate this account and do not have anything from them. My attorney feels this is infringing upon my rights and goes against FCRA. With no reply this must be removed off our report IMMEDIATELY before we have to take any further legal action. Please help us get a resolution.

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: 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-18
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2022-11-04
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My Mother had an account with Comerica Bank, and she has passed. Comerica sent a check for the balance of {$14000.00} to XXXX XXXX, in California. XXXX XXXX notified Comerica that they located me, and that I, as her son, would be handling the matter. When I called the bank, they would not let me speak with a manager, and only referred me to a probate phone number which you can not speak to a rep, or leave a number, but only refers you to their email address. I sent them numerous emails, including the email thread with XXXX XXXX. Only after a lengthy time they responded stating that I should send them the check, and supporting docs, which I did, and that they would reissue a check in my name. I sent it to them that same day ( XX/XX/XXXX ) via certified mail to their XXXX XXXX XXXX My tracking receipt showed it arrived on XX/XX/XXXX. I then emailed asking that they let me know they received it. I got no response until today XX/XX/XXXX stating that I needed to send them the check, and supporting docs., which I had done that previous week. When I called them, again I was told I could not put me through to a person in charge. I asked that they have someone contact me a.s.a.p. concerning the matter, and gave them my number, but again no response. At this point I am at a loss as to what I can do to resolve this, and have some closure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid 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 am going through a divorce and lost a job due to layoff. I continued to make payments even when I had no job and eventually fell behind early in 2018. I called CapitalOne to inquire about a reduced payment or payment assistance program in or around XX/XX/2018. I was told by their collections department that they can not offer me any payment assistance while the credit card is delinquent. I brought the card current. I'm now physically separated from my wife and my current jobs combined pay less than the job I lost. I called back to CapitalOne today on XX/XX/2018 and was told since my account is not delinquent there is nothing they can do. If I have a problem with making my next payment then they " may possibly waive a late fee ''. I asked the rep for notes regarding my previous calls for help and mysteriously CapitalOne didn't document any discussions regarding my request for payment plan assistance. This company has no interest in assisting their customers who run into financial difficulties and will mislead them into getting the account current for their own corporate benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter on XX/XX/2022, to Transunion to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this in my previous XXXX XXXX & I am including it again 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 explanation
Consumer complaint received 2018-10-29
Company: Emerald Coast Collections, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt just appeared on my credit. Only information listed is a dollar amount and city of XXXX. there's no account number or any information that i could try to investigate the mater with. I was never notified of the debt by the original owner nor this collection company. The only date I have for this debt is XX/XX/2016. I have no knowledge of this debt, never receive notification from either concerning this debt, I would like legal verification of this debt such as my signature, the original bill with accurate information, and or contract. All correspondence should be sent via this website, and proof should be uploaded via this website. DO NOT ATTEMPT TO CONTACT ME VIA PHONE, EMAIL, OR ADDRESS. I would like for this debt to be removed from all credit bureau.

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 2023-06-15
Company: Experian Information Solutions 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XX/XX/XXXX - XX/XX/XXXX- XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed 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 2023-01-31
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
This morning, XX/XX/2023, Charles Schwab closed my XXXX brand-new brokerage accounts with them, " due to a business decision '', and denied my investor checking account, referring me to the " negative information '' on my XXXX for XXXX basis of their decision. I've pulled my XXXX report this morning, and it is clean, not a single negative mark on there. I have opened many accounts- primarily CDs, since CD rates have been on the rise - lately, so several banks and CUs  have inquired into my XXXX file, and opened accounts for me with no problems, resulting in multiple recent inquiries ( as many as XXXX in the last 2 months ) on my XXXX report. When I asked a XXXX XXXX representative if that was the reason, they've checked and advised it was not, but declined discussing any further information about reasons for their sudden and unexplained decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: LA
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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 non-monetary relief
Consumer complaint received 2022-11-04
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was trying to sell a XXXX wallet on XXXX. First time setting up my account. I had a purchaser interested in the wallet but I was not sure of the protocol. The purchaser ( scammer ) sent me account information that they had paid the amount of {$400.00} for which is the amount I was selling the wallet. The scammer sent me a transaction ID and bank details that the money was being held because my account was not set up. That in order for the funds to be released I needed to setup an account with cash to establish insurance for purchasers. I received an email for what I thought was Poshmark stating instructions on how to setup up the account and I would recieve the refund- I was asked to send multiple amounts of Cash through Zelle in order to sell the wallet. XXXX does not have a phone number and only an email to answer any account questions. I thought I was being contacted by XXXX and it really wasn't XXXX they just used their email address and logo. Since it was the only way to communicate with XXXX is via email they do not have a telephone number I thought it was legitime with and I was scammed out of {$1600.00}. Also how I was ignored when I contacted Poshmark multiple times and finally when they responded it was too late funds had been sent The following amounts and dates are listed that I am requesting a refund from either Zelle, XXXX XXXX or XXXX. 

Sent the following Zelle 's XX/XX/22 : {$500.00} XX/XX/22 : {$200.00} XX/XX/22 : XXXX XX/XX/22 : {$100.00} XXXX XXXX XX/XX/22 XXXX {$500.00} XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation