BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: EQUIFAX, 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 have been trying to remove inaccurate information from my credit reports, there are inquiries on my report that do not belong to me in regards to inquiries for automobile loans. 

The following inquiries that are inaccurate on my credit reports : XXXX- XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXXXXXX XXXX-Equifax-XXXX XXXX 2022 XXXX  XXXX XXXX, 2022 XXXX XXXXXXXXXXXX XXXX 2022  XXXX XXXXEquifax-XXXX XXXX 2022 XXXX XXXX XXXX XXXX 2022 XXXX XXXX, XXXXEquifax-XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX  XXXX XXXX, 2022 Factual Data-Equifax-XXXX XXXX XXXX 2022 Equifax MXXXX XXXXEquifax-XXXX  XXXX XXXX 2022 XXXX XXXX Llc-Equifax-XXXX XXXX 2022 XXXX, XXXXEquifax-XXXX XXXX 2022 XXXX XXXX  : XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have resolved this account, please have XXXX XXXX remove this negative item from my credit report XXXX Thank you XXXX Equifax XXXX XXXX XXXX XXXX XXXX they claim that I have made late payments before, but that is inaccurate, I have requested them to correct this several times and they keep saying they will, but to date they are still showing my late payments on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: U.S. BANCORP
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
When I went online on XX/XX/2023 and checked my accounts, 2 accounts had unotherized XXXX transfers. Savings account had 4, Checking had 8. Called the bank US Bank to report these transfers. US Bank was to freeze my accounts and file a report. On XX/XX/XXXX 4 more XXXX transfers went through ( account was supposed to be frozen ). The total is {$14000.00}. Went to US Bank and closed the affected accounts and opened new ones. I then could not sign onto online banking after much ado and multiple people on their end it finally was resolved so I could get online. Very upsetting as I was the only one monitering my accounts. I don't understand why these transactions didn't send up a red flag. Totally out of character for these accounts. I received " denial '' letters as the bank stated that the transactions posted as requested.Multiple XXXX transfers to myself, with my name spelled several different ways, also 2 XXXX transfers to 2 people I do not know. I have repeatedly talked to the fraud department. I have filed a police report as well as have my IP address changed. Passwords changed and 2nd identifaction put on all accounts. After their denail letters I have kept researching. A person in the US Bank on line banking department determined that these XXXX transactions went to multiple different banks including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX. On XXXX the have supposedly " reopened '' the case and was told I would hear in 3-5 days. That has not happened. I have contacted a lawyer, he can't take my case as the research alone would be more than the {$14000.00} that was stolen from me. He has helped guide me with suggestions on where to turn next. ( that is how I came to be making this complaint. ) XX/XX/2023 I received a letter stating that US Bank attempted to recover funds of one of the transactions ( the same that they determined were posted as requested, not fraud ) The transaction was a XXXX transfer for {$1000.00} and I received a check for {$93.00}. That really makes no sense.

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 2022-11-21
Company: Experian Information Solutions 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 have been trying to remove inaccurate information from my credit reports, there are inquiries on my report that do not belong to me in regards to inquiries for automobile loans. 

The following inquiries that are inaccurate on my credit reports : XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX Experian-XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX  XXXXExperian-XXXX XXXX, 2022 SXXXX XXXXExperian-XXXX  XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX XXXX-Experian-XXXX  XXXX XXXX 2022 XXXX XXXX, XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX  XXXX XXXX, 2022 XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX  XXXX XXXX 2022 XXXX XXXX XXXX XXXX, 2022 XXXX, XXXX XXXX, XXXX Negative Items : XXXX XXXX XXXX XXXX, Experian XXXX I have resolved this account, please have XXXX XXXX remove this negative item from my credit report XXXX Thank you XXXX XXXX XXXX XXXX XXXX Experian XXXX they claim that I have made late payments before, but that is inaccurate, I have requested them to correct this several times and they keep saying they will, but to date they are still showing my late payments on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Southern Auto Finance Co
State: CO
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:
Discovered an auto loan account in my XXXX credit report being handled by SAFCO ( XX/XX/XXXX ). I called SAFCO ( XX/XX/XXXX ) to inquire about the account, but they were unable to locate an account with my personal information ( SSN, Address, Name, DOB, Phone Number ). This occurred on multiple occasions ( XX/XX/XXXX, XXXX ). I also filed a dispute with XXXX ( XX/XX/XXXX ) to have the account removed. The dispute results ( XX/XX/XXXX ) were provided and SAFCO reported that the account did in fact belong to me. Again, I called SAFCO and they are not able to find an account number associated with my personal information. I then called XXXX ( XX/XX/XXXX ) and uncovered that there are several addresses, an employer, phone number, and name ( similar to mine but with a hyphenated last name ) tied to me. They were able to remove one of the addresses, employer, and telephone number, but not the auto loan account and name ( with identification number ) that is not mine. It seems the second address, auto loan account, and name ( hyphenated ) are tied together. XXXX acknowledged via phone call that the information being disputed is not mine, but refused to remove the information since SAFCO asserted the information belonged to me. SAFCO is also reporting my name is different via an email I received from them on XX/XX/XXXX asking for my SSN and copy of credit report. I did not respond as they should be requesting the information through XXXX and not be contacting me directly. I feel I am a victim of fraud and request a thorough investigation be completed on SAFCO and to have the information removed from my credit report. I also plan to file a fraud report with the local authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Dear Sir/Madam Capital One made Unauthorized Hard Inquiry and i contact them to remove they didn't response my mail and i have a fraud alert on my Credit report with 3 agencies XXXX, XXXX, XXXX Inquiry date : XX/XX/2018 Inquiry date : XX/XX/2018 so i attached copy of my credit report with confirm unauthorized inquiry from XXXX Agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to the FDCPA I am excercising my right as a consumer and you have violated me on multiple levels including defamation of character, invasion of privacy, harassmemt and soliciting private information for financial gain! I demand remedy as is my right pursuant to 15 USC 1692. I demand you CEASE all communications with me through ALL mediums. Please see attached documentation for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: First Technology Federal Credit Union
State: CO
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:
First Tech Federal Credit Union based in Oregon is intentionally abusing my credit account. I had three loans with them : 1 ). XXXX XXXX XXXX Auto Loan. 2 ). XXXX XXXX XXXX Auto Loan and 3 ). Credit card. 

I paid off item # 1 with no problem and received the title. 

For item # 3, the credit card : After getting laid off from XXXX in XXXX, I had difficulty with the credit card payment and interest. I was able to make large payments but they kept collecting interest at over 28 %. Finally, it became late and they " charged off the account. '' They are reporting me " late '' for this account as of XX/XX/XXXX, and this " late '' account is for 30 days past due in XXXX! 
This account is in charge off but they are reporting me late. 

Item # 2, the XXXX XXXX XXXX was paid off this year but they are reporting that I owe a balance. According to my monitoring program, " XXXX XXXX '' by XXXX  XXXX, they are not reporting me current either. I have filed corrections with the bureaus and the problem still persists. 

Furthermore, First Tech Federal has not released the title for the XXXX XXXX. In sum, they are reporting the wrong balance and not reporting I paid off this loan. They are also not releasing my title. 

Overall, they have been very difficult to work with. I've sent emails to the CEO and nothing happened. Regarding the credit card, the last " program '' they offered me was to make payments. I agreed but they LOCKED me out of my account and turned off my debit card ( I used this at a co-op credit union to made payment deposits ). Their action required me to go to their branch miles away to make the payment in person. I did this for the XXXX XXXX  and paid it off, as mentioned. First Tech Federal is abusing my credit report and me and keeping my credit score artificially lower due to their lack of reporting. One last thing, they always reported me " late '' on my XXXX XXXX  each month ( when I was late ). This is proof that they know how to report monthly and this is not an oversight on their part but intentional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been working with US Bank and its representatives, XXXX XXXX NMLS # XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX since early XXXX. They have been unresponsive throughout the process - extending the closing twice, first from XX/XX/XXXX then to XX/XX/XXXX. As of today, XX/XX/XXXX, the loan hasn't closed and despite multiple calls and emails over the last weeks, I have yet to receive a response. 

Now, since they're not funding the loan ( which is fine with me ), they're not sending a denial letter. This is problematic on two fronts : Firstly, without a denial, I can not receive my earnest money. So, US Bank is ipso facto holding my earnest money hostage by their laziness and incompetence. Secondly, the seller is angry, not only because of the deal falling through - despite no reasoning from US Bank- but THEY can't relist the property with earnest money on the table from this deal.

I would kindly ask that Mr. XXXX and his associates as well as US Bank be censured for their lack of attention to their duty - and for holding my earnest money ransom for no apparent reasoning whatsoever. Please give me my money back! Send the denial letter!

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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-09-15
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:
To whom it may concern, I am writing to you because I noticed some inconsistencies on my credit report that have been damaging my good name and my credit score and needs to be looked at immediately. 


You are reporting a status date of XX/XX/XXXX yet XXXX is reporting XX/XX/XXXX and XXXX has no record of this account, also you are reporting a balance update XXXX XXXX yet XXXX is reporting XX/XX/XXXX. You are also reporting payment stay as voluntary surrender yet XXXX it as voluntary repossession. Also you are reporting the account type as auto loan yet XXXX is reporting it as installment loan. 

This is inaccurate reporting so please remove this off my credit report for inaccurate information.

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 2021-09-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I keep getting emails about a credit card balance but I never paid any mind to those emails thinking it was fake emails. Then I went into my XXXX credit Account and saw that same credit card account there. Someone opened an account with my information and without my authority.

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 2023-01-10
Company: Bread Financial 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: Account information incorrect

Complaint:
My own mother ruined my credit when I was younger she would always make me get on the phone and tell companies I agree and I never knew what it was for until later in life when I tried doing this with credit and was denied and I checked and saw so many debts left unpaid from companies she would frequently purchase from, she denied and then eventually told the truth but in true narcissistic fashion she blamed me saying it was my fault because as a child I asked for things that were expensive so instead of saying no she committed fraud using my name and ruined my credit with no intention of ever paying it back or fixing it, I was finally able to move away and when I did I realized just how bad it actually was I am denied from everything and struggling with my own child because I have this large debt that was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I tired to pay my vehicle off through US Bank online bill pay. They indicated the creditor XXXX XXXX will only accept paper checks. This is not accurate based on my conversation with XXXX XXXX. 

US Bank indicated they mailed check number XXXX to XXXX XXXX on XXXX for arrival on XXXX. XXXX XXXX has no record of the check and US bank can not give me an answer where my check and funds are.

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 2018-11-01
Company: Experian Information Solutions Inc.
State: OH
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:
My credit report shows a bankruptcy that does not belong to me. 

The credit bureaus who listed this information on my credit report states that they verified this information via the XXXX XXXX   Courts in the XXXX  district of Ohio. 

I sent a letter to the XXXX XXXX court in XXXX Ohio disputing this. I also asked how this inaccurate information was even " verified '' in my letter. 

The courts sent me a letter back stating they do not report and DID NOT report this information to the credit bureaus.

This wrong and inaccurate info is negatively effecting my personal life and business life. And I am submitting this complaint because I would appreciate if you can help me get this inaccurate information removed.

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX account ( account # : XXXX ) is in several violations of my rights. This account is IDENTITY THEFT, 15 U.S. 1681 c-2 states these accounts HAVE to be removed from my credit report in 4 DAYS and it has been well over 4 days since they received my FTC report XXXX XXXXXX/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 2022-11-10
Company: EQUIFAX, INC.
State: AZ
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:
Equafax has claimed that there is no erroneous reporting. This is a false claim to the previous complaint to XXXX to report it to the CFPB when, in fact, the reporting is still erroneous contrary to their claim, see attached this is causing hardship, and this company will be liable for any irreparable damage caused to myself or my company.

Company response to consumer: Closed with explanation