BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-17
Company: EQUIFAX, 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:
For the past month, I have been trying to get a total of 18 hard inquiries removed from my credit report that i did not authorized. The inquiries and unauthorized dates are listed below : XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX ( Wednesday, XXXX XXXX ) XXXX XXXX XXXX ( Tuesday, XX/XX/XXXX ), XXXX  XXXX  ( Friday XX/XX/XXXX XXXX ), XXXX XXXX ( Sunday, XX/XX/XXXX ) XXXX XXXX-XXXX  ( Monday, XXXX XXXX ) XXXX  XXXX  XXXX  ( Monday, XXXX XXXX ), XXXX XXXX ( Monday, XXXX XXXX ) XXXX XXXX ( Monday, XX/XX/XXXX ), XXXX  XXXX XXXX  XXXX  ( Monday, XXXX XXXX ), XXXX XXXX XXXX  ( Monday, XXXX XXXX ), XXXX XXXX  XXXX XXXX ( Friday, XXXX XXXX ), XXXX XXXX ( Wednesday, XXXX XXXX ) XXXX XXXX XXXX ( wednesday, XXXX XXXX ), XXXX XXXX  ( wednesday, XXXX XXXX ) XXXX  XXXX ( wednesday, XXXX XXXX ) XXXX XXXX XXXX XXXX ( monday, XX/XX/XXXX ). I sent dispute letters to Equifax to verify these inquiries and the information comes back verified. I called and they prompted me to call Each creditor to retrieve a '' Letter of Deletion ''. When i called the creditor to request a letter of deletion, Each creditor informed me that there is no record of a '' XXXX XXXX '' in their system. So, I sent Equifax another letter to verify their method of verification and requested specific details to ensure verification and Equifax failed to do so ; these inquiries again came back as verified. I called the bureaus again to seek further assistance in these inquiry deletions and no one seems to help resolve this matter. As a consumer, I feel my rights have been compromised and violated. I have done all that was requested of me and feel devalued as a consumer and customer of Equifax. At the time of these inquiries, I was and still is in college and was not seeking credit of any sort. Please remove these inquiries as requested. They were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: CITIBANK, N.A.
State: CA
Product: Credit 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:
My brother XXXX XXXX had a CitiCard credit card. He died on XXXX. I am the trustee of his XXXX. I reasonably canceled the card on XXXX, but at that time CitiCard did not inform me of the number of unclaimed rewards points, and did not tell me that by canceling the account, CitiCard would consider the points " forfeited. '' On XX/XX/XXXX, I spoke with a CitiCard representative about cashing out unclaimed rewards points. She requested I send them information about the account, which I did, but would not tell me the value of the unclaimed points nor about their " forfeiture : policy. I mailed them the information requested ( CitiBank Card Consumer Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they sent me a letter saying the rewards points were " forfeited '' by closing the account. I wrote them an appeals letter on XX/XX/XXXX and got no response. On-line I found a CitiCard " ombudsman ( XXXX XXXX XXXX XXXX XXXX wrote to appeal the decision. It appears to be an office in XXXX. They have basically engaged in a run-around strategy of claiming they are " unable to trace the credit card number, '' which is nonsense. I suspect there are several XXXX XXXX  worth of unclaimed rewards points, because my brother also had a XXXX XXXXXXXX XXXX which had that value of unclaimed rewards points. And after I canceled that account, XXXX reached out to me and sent the Trust a check. In my opinion, CitiCard is engaging in deceptive business practices to avoid cashing out those rewards points to the Trust.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2021-01-17
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I purchase a vehicle from XXXX XXXX. I am single mother with XXXX dependents and was sold a vehicle from XXXX XXXX dealership with the understanding that the car dealership was in the customer best interest. After driving the vehicle for a short period of time, the vehicle starting acting up. Then I started doing research after vehicle started messing up and found three recalls on this same vehicle which put me and my kids in danger. With this being, the contract was and should be considered unethical, which goes against the fair credit billing act. The car dealership also called my company for whom I'm employed with and started sharing confidential information concerning this vehicle. 

XXXX XXXX XXXX Recall Item Affected : AIR BAGS : SIDE / WINDOWDate Announced : XXXXDescription of Recall : XXXX XXXX XXXX XXXX XXXX XXXX is recalling certain model year XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX  vehicles. In the affected vehicles, increased resistance in the driver and passenger seat mounted side impact air bag ( SIAB ) wiring harnesses may result in the SIAB and seat belt pretensioners not deploying in the event of a crash.Action Need To Fix It : XXXX will notify owners, and dealers will replace the affected harness connections with soldered connections, free of charge. The recall began on XX/XX/XXXX. XXXX owners may contact the owner center at XXXX, XXXX owners at XXXX, XXXX at XXXX, and XXXX owners at XXXX. XXXX 's number for this recall is XXXX. Note : Vehicles repaired as part of Customer Satisfaction Campaign XXXX and special coverage XXXX have already had the subject condition repaired and therefore are not included in the safety recall. 

XXXX XXXX XXXX liftgate up when open. These struts may prematurely wear and the open liftgate may suddenly fall. 
Action Need To Fix It : XXXX will notify owners, and dealers will update the software for the power liftgate actuator motor control unit so that the motor will prevent the rapid closing of the lift gate, free of charge. The recall began on XX/XX/XXXX. Owners may contact XXXX customer service at XXXX, XXXX customer service at XXXX, XXXX customer service at XXXX, and XXXX customer service at XXXX. XXXX 's number for this recall is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a pre-paid ( Debit ) checking account with American Express, they refuse to make my funds available for my uses, from a merchant. The merchant issue a refund from a cancelation into my American Express account. the bank tried to make me believe the merchant had or have a hold on the funds after returning the funds back to my card So American Express Bank refused to make my funds available for my used. I contacted the merchant they said that was very unusual, but the sent me a statement stating that fact. I would like my funds made available for my use, instead of the band collection interest on my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: CCF Intermediate Holdings LLC
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I checked my credit report to find out I have a collection account of almost 500 dollars WHICH Ive never received or applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hello please help, this company have engaged is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More less they did not follow the proper five step validation procedure which make this unfair practices. According to the FDCPA I'M ENTITLED TO XXXX DOLLARS PER VIOLATION AND CLEARLY THEY VIOLATED MY RIGHT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The amount owed the charge off amount written off and the balance owed does not make any since this company had an lawsuit to to the error in reporting the company is also reporting differently with all three bureau

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recevied a copy of my ( XXXX, XXXX and Transunion ) consumer report, and I noticed some late payments posted on my consumer report : account ending in XXXX, late payments reported on, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX is in clear violation of the law. Pursuant 15USC1681 a 2 ( A ) ( i ) -EXCLUSION- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) Making the report is not INCLUDED on my Consumer report!

YOU HAVE VIOLATED THE FCRA 15USC 1881a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly sates IS NOT included on my CONSUMER 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 non-monetary relief
Consumer complaint received 2021-01-17
Company: Experian Information Solutions Inc.
State: NV
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 had Experian provide me with a credit score last year. Under the section that listed things that negatively affected my credit score, it said I had a delinquent account of more than 60 days ; however, I have never made a late payment before and there was no account listed in my credit report for me to file a dispute against. I called the company and filed a ticket to get my report corrected. Now, over four months later, the issue is still not corrected. It also lists that I have too few accounts with good history. It lists me as having 9 accounts with good history and the average number of accounts with good history is 6. I am not sure how my 9 good accounts hurts my credit score when it is above the average of 6. Every time I call the company, I am unable to get ahold of anyone. It either cycles through automatic messages with no option to connect to a representative or disconnects the line. I have not been helped to resolve this issue and Experian is listing my credit as nearly 100 points lower than the other two credit reporting agencies. They told me the one time I was able to get ahold of them that their algorithm calculates it differently than the other two, but they have two " negative impacts '' in my credit report that has no account attached to it that I am unable to dispute directly on the website. Because I have been unable to get ahold of anyone through the four or five phone numbers provided, my credit report is being hurt by information that is inaccurate.

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 2021-01-05
Company: CITIBANK, N.A.
State: CA
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 received a copy of my credit report from XXXX  on XX/XX/XXXX. It reflected a hard credit inquiry on XX/XX/XXXX from CBNA BBY that we did not initiate. On XX/XX/XXXX I spent 2.5 hours on the phone with Citibank and/or Best Buy at four different numbers before I could reach a supervisor that transferred me to the fraud department at XXXX. The fraud representative name was XXXX and his employee ID is XXXX. Prior to the fraud dept. I spoke with XXXX with employee ID # XXXX at XXXX. They confirmed someone applied for a new account on XX/XX/XXXX. They stated the application was still pending and I had to talk with another department to report the fraud and prevent the account from being approved. After two hours on hold, they stated the account was approved but then shut down based upon my phone call regarding the fraud.

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 2022-04-15
Company: CHARLES SCHWAB CORPORATION, THE
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
ATM fees for the month of XX/XX/2022 were requested. Charles Schwab always returns ATM withdrawal fees as part of their refund policy. Schwab asked me on a recorded line today with representative XXXX to ask my new bank to return those fees even though they were transaction through Charles Schwab Bank while all accounts were still open.

Charles Schwab also admitted to retaining monies owed to me without my knowledge. These new monies owed to me are somehow currently blocking access to my brokerage account which is still active. The amount was $ XXXX USD. 

I have reported this bank to FINRA and SEC multiple times in 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: TX
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 acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ). 

I waited 30 days and received my investigation and notice not all was corrected and appear the same. The consumer reporting agencies which are XXXX, Experian, and XXXX did not modify or remove all items. 

The date open is not correct, the date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a home for my family. 

I attached my previous credit report and new credit report to show how Experian violated my 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 2023-01-15
Company: FIRST NATIONAL BANK OF OMAHA
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Cell XXXX email XXXX Account # XXXX XXXX XXXX XXXX Credit limit start date XX/XX/XXXX was {$15000.00} Credit limit on XX/XX/XXXX XXXX {$500.00} First National Bank of Omaha Headquarters Phone Number ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Nebraska XXXX XXXX XXXX First National Bank of Omaha did not send me a consumer an adverse action notice letting me know they was doing a 95 % Credit Limit Decrease with me. 
$ XXXX credit limit, never missed a payment. Then unexpectedly XX/XX/XXXX, my limit decreased to {$500.00} which in turn tanked my XXXX XXXX about XXXX points, and affect my credit utilization. 
XXXX First National Bank of Omaha cut my card limit down by about XXXX percent This is horrible how you reel people in with your high limits then penalize those of us that are responsible and pay on time and more than the minimum! Bait and Switch Contact customer service and I was told that I my FNBO - Credit Limit Decrease for not posting a high balance on my credit cards and paying my credit card in full each month. I am not in financial trouble, I never missed due dates, and However, when people applied for the cards, part of the qualification and limit-setting process stated nothing about I had to spend on the card.

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-31
Company: EQUIFAX, INC.
State: IL
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:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief