BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: CITIBANK, N.A.
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, CITI BANK has violated my rights. ( Address : XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone Number : ( XXXX ) XXXX ) 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as a late payment for any purpose.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: AZ
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:
just got a copy of my credit report and i noticed the referenced accounts below that i did not apply for and did not use them. i need these accounts investigated and removed from 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

Company response to consumer: In progress
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX, Equifax and XXXX are reporting a charged off account on my credit report. the original credit is XXXX XXXX XXXX. This account is over it statue of limitations to collect this debt and to be reporting on my credit report! I have asked several times for them to remove this information but for some reason they seem to continue to re-age the account. I am trying to purchase a home and this account is the only thing standing in my way. I have done everything that I can do to try to pay the debt including contacting XXXX XXXX informed me that they could not find the amount owed and that the account was over its statue of limitations to collect. And the Collection agency who had the account, informed me that the account was over its statue of limitations and they could not collect the debt. therefore there is no debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have no idea why.my credit reports has a freeze on there

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: CA
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXXu, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
my name is XXXX XXXX i am writing this myself on behalf of myself, any authorization or verification you say you need consider it given.. 

your company is in violation of 15 U.S. Code 1681a ( 2 ) Exclusions ( B ) and in violation of Under truth and lending 15 U.S. Code 1602 ( I ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

By that definition my social security card is a credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
And anything that extends from a credit card or similar device according to 15 U.S. Code 1681a ( 2 ) Exclusions ( B ) ; should be excluded from my credit report.

not only that, but since i am the original creditor according to 15 U.S. Code 1692a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 

as the original creditor, only i can validate this debt. i do not validate this debt which puts this agency in violation of 15 U.S.C 1692g. since i wasnt notified of this in writing 5 days prior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 Credit Bureaus didnt properly investigate my dispute.3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
been a customer of BofA for many years. XX/XX/XXXX of this year I logged in to use onlne bill pay and noticed that my account and my son 's were overdrawn by almost {$1.00} XXXX, of course I laughed thinking it had to be some kind of a computer mistake, I called the branch and was told BofA is closing accounts without giving a reason. I got that department phone number & called and was told that they have the right to close any account they wish to. I have been a customer of theirs for many years, my children accounts are linked to my account too, we have checking, savings & HELOC accounts with them, these are personal accounts, we all have direct deposit checks, we don't do any cash transactions & are not in any illegal type of industry such as dispensary or such and so every single debit & credit is accounted for. They kept my business accounts open but closed the whole family personal accounts without giving an explanation for their decision.

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 2021-12-15
Company: HYUNDAI CAPITAL AMERICA
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In late XX/XX/2021, I was notified that I had a delinquency on my credit, and my credit score dropped XXXX points. After reviewing my lines of credit, I saw that there was a Hyundai line of credit showing the delinquency. The balance of the line of credit was {$12000.00} I contacted Hyundai Motor Finance to discover that there was a Lease on in my name. I was trying to inform them that this was a fraudulent account, and that I knew the person that signed this lease fraudulently, but was receiving no help from them. I was getting cycled around through their phone lines when finally I got redirected to the Finance Department for a third time. This time though, I requested a copy of the Motor Vehicle Lease Agreement so that I could see the signatures on the paperwork. After a couple of days I received it. After reviewing the paperwork, I discovered that the signature on it was in fact forged. The vehicle was leased in Arizona. I currently reside in Washington state and have not been to or visited Arizona. I called the person that forged my signature, who currently resides in Arizona, and she eventually admitted to commiting the forgery/identify theft to me over the phone. I continued to try and contact Hyundai, after now knowing for a fact what happened. But I was harassed by them. They did not listen to my concerns, and was insinuating that I was experiencing " buyers remorse. '' I continued to adamantly state that I did not sign or consent to this sale. I have been trying to work with the Hyundai Motor Finance Director, trying to get information on their investigation, while also providing them copies of the police report I filed. Also trying to figure out how they can proceed with repossessing the vehicle from the perpetrator since she is still in possession of it, but now they are ignoring my attempts to contact them.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-06-12
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
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:
This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX  XXXX XXXX Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; XXXXXXXX XXXX XXXX Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; XXXXXXXX XXXX XXXX Date XXXX : XX/XX/2021 Reference # : 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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern, 

I Have Previously Disputed This Item With XXXX  & TransUnion XXXX XXXX XXXX (Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX) & In Response You Verified The Item As Accurate, Stating That You Verified This Information With The Court. 

I CONTACTED THE COURT On XXXX XXXX XXXX & COURT RESPONSE Is Enclosed. 

It Is VERY CLEAR They DO NOT REPORT TO XXXX  OR ANY OTHER CREDIT REPORTING AGENCY! 

Therefore You ORIGINAL RESPONSE Of VERIFYING The Item With The Court Was A Error OR COMPLETE LIE, EITHER WAY The Reporting Requirements Does NOT COMPLY With FCRA 611 (15 u.s.c. 1681) And The INFORMATION MUST BE DELETED 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 non-monetary relief
Consumer complaint received 2023-02-07
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
i leased an automobile from kia of XXXX in ohio, at the use of my credit extension with seller. there where several mechanical issues, i returned the car to the dealership, after 18days of not having a vehicle once returned, i was informed that " under my powertrain limited-lifetime warranty '' my engine had been replaced with a used engine this was all done without owners consent, which violates my constitutional rights as well as my privacy rights, and the sellers obligations of non-performance and responsibility.

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 2021-10-12
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To whom it concerns, in a previous response Navy Federal Credit Union. Advised me they received my notice of discharge XX/XX/XXXX. Chapter XXXX discharge in bankruptcy. It was stated I could re establish my membership if I met criteria. I still meet the criteria, but when I called to re establish my membership on XX/XX/XXXX. I was told that I couldnt re establish it until I talk to collections. It was told to me there was a negative share and checking account negative over {$3000.00}? I dont recall ever making said transactions especially not for that amount. My account was not accessible so how is that possible? Additionally I included that share and checking account in my bankruptcy filing which has been XXXX. Yet Navy Federal doesnt update their internal system reflecting such. I would like to re establish my membership. Im not sure where the {$3000.00} in charges came from since I havent had a debit card for that account since XXXX. Please assist me in updating your records correctly so I can open a new share.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: In progress
Consumer complaint received 2021-10-12
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THD/CBNA - Home Depot Citibank North America keeps issuing hard requests on my consumer credit even thought I have requested numerus times that they do not do that any more!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The personal information on my credit report is fraudulent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
According to 15 USC 1681B premissible purpose This company is in violation of the fair credit act.. I did not give permission or consent or signatureFor them to be reporting anything on my credit report I would like this account removed immediatelyRemove this account permanently from my credit report it does not belong there I have a right to privacy Orions management grou. Date opened, XXXX. Bal, {$4100.00} XXXX XXXX. Date opened, XXXX Bal, {$610.00} XXXX XXXX. Date openedXXXX XXXX. Bal, {$890.00}

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 explanation
Consumer complaint received 2023-06-13
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
JPM Chase bank is refusing to release {$12000.00} funds to my business checking account that was deposited on XX/XX/23, cleared the issuers bank ( XXXXXXXX XXXX ) and taken from the issuer 's account on XX/XX/23. Chase has restricted my account and refuses to release the check funds although it has been beyond 10 business day holding period. Chase bank has communicated that if the phone number verification condition is not cleared by the issuer of the check, they will hold the {$12000.00} for two years and then release to the state of Georgia as unclaimed funds. I have attempted to resolve this with Chase bank in person and on the phone. The chase branch manager has escalated the issue to upper leadership, however still no resolution. The check issuer 's bank- XXXX XXXX submitted a claw back on the check on XX/XX/23 so the issuer can receive the funds back and issue another check. However, as of XX/XX/23 Chase has not approved the request nor release the funds. The issuer of the check can not do a stop payment because the check cleared and Chase is holding the funds. That leaves me with no check, no XXXX and now fighting with Chase to get the funds released to me or the issuer. This has to be against the law as the check has cleared and Chase is simply holding the folds at their discretion. This has caused a huge interruption for my business operations. This is a brand new business and I need the funds to pay current operating cause. Please help!

Company response to consumer: Closed with explanation