BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-29
Company: Experian Information Solutions Inc.
State: NV
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 am submitting this request for the following reasons : 1. I have not received a response regarding the incorrect information on my credit report from the credit reporting agencies in many, many months ...

2. There are late payments on my credit report but I was never late on these accounts 3. There is incorrect or old information on my credit report that should not be there ...

I have properly notified Experian, XXXX  and XXXX  regarding these issues multiple times, however, the incorrect information is still showing up and I don't know what else to do at this point. I am not receiving any 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 2020-12-29
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I applied for a loan under my business name with the dealer. The application I completed was a business application through Suntrust Bank. I signed the application as a guarantor for the loan. I later found out that Suntrust bank put me as a cosigner and not a guarantor and the debt now show up on my personal credit report. 
I didn't apply for a consumer car loan, I applied for a business car loan. Suntrust Bank misrepresented the loan product and my credit has been impacted because of it. After speaking with several different departments, Suntrust said this is their standard practice. It's not legal to misrepresent their products to secure a new bank client.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from 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 explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Employer : XXXX XXXX  Date Updated : XX/XX/2019 XXXX  XXXX  Date Updated : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was required to pay off my XXXX XXXX loan in order to purchase a building for my business. I complied and paid it off. XXXX XXXX Experian, XXXX, and XXXX refused after multiple requests for months to update the paid off status after cashing the funds. As a result, I was denied for credit, lost the building I was tentatively approved for for my restaurant. This was the only stipulation remaining and I begged them for months to report I paid off the balance to XXXX. The updated my balance to XXXX only after XXXX got involved and after I was denied for credit and lost the building I win the bid on. I a requested that XXXX XXXX, Experian, XXXX and XXXX completely removes the credit history from my credit report. Id not, I will be seeking financial damages from the XXXX XXXX, XXXX, XXXX, and XXXX them not reporting my update promptly and the financial losses. I was not able to recouped my {$26000.00} deposit back from the business venture. They stated I reported my balance for XXXX XXXX was paid off the XXXX and I was not able to provide that proof in a timely manner. I am requesting that it is removed completely from my credit before XX/XX/2023 or I will be seeking financial restitution. I have verification when XXXX XXXX cashed the check versus when they updated the XXXX balance reporting and proof the multiple times and attempts I requested them to report it.

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 2020-12-22
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I contacted Equifax because numerous accounts are missing from my file and I was told that my file was split. This keeps happening and they keep requesting the same identification every time this happens. It's ridiculous, my credit score and file has been affected because of this constant issue with equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
The four major credit bureaus, XXXX, XXXX, Equifax, and XXXX are failing to list 2 credit cards that I have active and current on my credit bureau reports. 

The 2 credit cards are issued by XXXX XXXX XXXX. I have contacted the bureaus numerous times in writing to dispute this omission. They have done nothing, and still do not show these 2 credit accounts as open. 

One credit card is in my name. The other one I am an authorized user on the primary card holder 's account. 

I have also contacted XXXX XXXX XXXX in writing, and they say that it is a problem, but that I have to have the credit bureaus resolve it, from here on out. 

The bureaus failure to list the 2 credit cards on my report is hurting my credit score, as these card accounts have been open a long time and I have never missed a payment on them. 

Please get in touch with all 4 major bureaus and make sure they start listing these 2 credit card accounts as open and current on my credit bureau reports. 

Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX contacted me saying I owed them money on a delivery. I said I paid for an item, and paid the seller for all shipping costs. If he still owed money they should NOT have shipped the item. Whenever I ship  something on XXXX, I pay in advance before they ship. I said it sounded suspect that they are coming back to me for more money, when this has never happened before. 

Regardless eventually I said I would pay the {$36.00} ( because they kept mailing invoices ) and it was a trivial amount, only if I could pay online, and if they could tell me how. I tried countless times and it never worked, I called them 3 times and they said they didn't know how either. 

Eventually it went to debt collection, but there was NO WAY for me to pay, and I said I would not write them a check and mail it as it costs additional money, which I shouldn't even owe in the first place. I then got a notice from Transwold Systems which I am disputing. 

Company : XXXX XXXX XXXX : Transworld Systems Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Wrong information on credit report related to address 's and names

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 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX ( in the amount of {$3000.00} ) 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amount of {$740.00} ) 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amounts of {$500.00} and {$580.00} ) 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  ( in the amount of {$220.00} ) 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amount of {$120.00} ) 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( in the amount of {$81.00} ) 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2022-12-18
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer report must be 100 % accurate. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and 15 U.S.C 1681 Section 605 A 1.

See Attachment of Proof of Inaccurate Information YOU HAVE 4 DAYS FOR DATE OF RECEIPT TO DELETE 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 2015-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I HAD MY A/C WITH XXXX XXXX BANK SINCE XXXX XXXX AND LATER MERGED TO " BANK OF AMERICA '' IN XXXX ALONG WITH MY SAFE DEPOSIT BOX. 
SAFE DEPOSIT BOX FEE WAS DETECTING AUTOMATICALLY FROM MY CHECKING A/C ANNUALLY. AFTER XXXX BOA STOP TAKING OUT FEE FROM MY A/C, I AM BUSSY IN MY LIFE AND NEVER PAID ATTENTION, BOA STAFF NEVER STOP TO GOING TO MY SAFE DEPOSIT BOX IN ALL YEARS AND IN AVERAGE ME AND MY WIFE WAS GOING TO CHECK OUR BOX THREE TO FIVE TIMES A YEAR. IN XXXX XXXX RIGHT FEW DAYS BEFORE WHEN I WAS GOING ON MY TRIP TO XXXX RECIEVED NOTICE FROM BOA THAT YOU OWE US $ XXXX. IN PANIC I WENT TO MY BOA BRANCH WHERE I HAVE BOX " XXXX XXXX XXXX '' THAT STAFF GIVING RUN AROUND, I CAME BACK TO MY HOME AND CALLED BOA HEADQUARTER AND REQUEST TO HANDLE THIS SITUATION, BUT NO HELP THEN I WENT BACK NEXT DAY TO BRANCH DUE TO I NEED TO TRAVEL IN FEW DAYS. 
BUT XXXX XXXX SAID TO ME THAT IF YOU DO NOT PAY THESE ALL YEARS RENTAL FEE PLUS ALL LATE CHARGES THEN WE WILL USE DRILL MACHINE AND CANCEL YOUR BOX, THEY NEVER SENT ME ANY TYPE OF NOTICE IN THOSE YEARS AND WAS NOT MY FAULT. 
I NEED TO TRAVEL IN FEW DAYS XXXX SO I PAID $ XXXX RIGHT A WAY, TOOK MY ALL STUFF FROM MY BOX AND EMPTIED AND CANCEL MY BOX, AND STOPED BY XXXX XXXX BANK AND OPEN NEW BOX. 
AFTER I RETURNED FROM MY TRIP AND TRY TO GET MY ALL CHARGES $ XXXX REIMBURSE AGAIN RUN AROUNDBESIDE XXXX XXXX HIS OTHER ASSOCIATE TALKED TO ME THEN VERY RUDE LADY WAS BAD APPROCED TO MESHAME, SHAME, SHAME AND SHAMETHEN I CALLED FEW TIMES TO BOA HEADQUARTER AND THEY JUST TRANSFRED TO SAME BRANCH MY COMPLAINT. 
AFTER ALL DONE AT THE LAST BRANCH MANAGER " XXXX XXXX '' CALLED ME AND REFUSED TO REIMBURSE MY ALL ILLEGAL CHARGES WHAT THEY COLLECTED ON XXXX XXXX XXXX. 
THANKS A LOT TO READ THIS COMPLAINT AND I SHALL BE GRATEFUL

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-18
Company: Experian Information Solutions 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 ama victim of identity theft. My information was stolen and used without my consent. I reached out to the company and there are not responsive. There are unauthorized hard inquiries on my credit report that must be removed. 

my social security card, my state id and my ftc report are attached. 

please block all these unathorized fraudulent inquiries. 


I am a Victim of Ideneity Theft. My identity has been stolen. UNAuthorized inquiries have been made WITHOUT my consent. 

Block and remove all of the following illgeal inquiries that are fraudulent. 

1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX, 2 ) XXXX XXXX  XX/XX/XXXX, 3 ) XXXX XXXX  XX/XX/XXXX, 4 ) XXXX XXXX XXXX XXXX XX/XX/XXXX, 5 ) XXXX XXXX XXXX XX/XX/XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XX/XX/XXXX, 7 ) XXXX XXXX XXXX XX/XX/XXXX, 8 ) XXXX XXXX XXXX XXXX XX/XX/XXXX, 9 ) XXXX XXXX XX/XX/XXXX, 10 ) XXXX XX/XX/XXXX 11 ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, 12 ) XXXX XXXX  XX/XX/XXXX, 13 ) XXXX XXXX  XX/XX/XXXX, 14 ) XXXX XXXX XXXX XXXX  XX/XX/XXXX, 15 ) XXXX XX/XX/XXXX, 16 ) 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 2022-10-10
Company: Wheel City Motors East, 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: Account information incorrect

Complaint:
I had an auto loan out with Auto Loan Acceptance for one vehicle. There are XXXX open accounts showing on my credit report and they have XXXX different high balances. The car has been paid in full but they failed to report my payment history to the credit bureaus since XXXX of this yearXXXX. This has significantly dropped my credit score and is hindering the process of my new endeavors. I reached out to them several times and they advised me that they have been reporting, but when I called each bureau individually and directly they informed me that they have not received any mew information from them. It is a lot of running around with this company and I just need for them to remove the extra account and list the one as paid in full. Auto Loan Acceptance also told me that they upgraded their system so I am guessing that's where the additional account came from. I have been going through this with them for a while and still no resolution. Please help! Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: CITIBANK, N.A.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 The bank keeps kicking the can down the road without resolve. I dont wear out all that easily.

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 2022-11-28
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:
XXXX- Incorrectly showing balance due and there was a late payment in XXXX. This account was never late and was PAID IN FULL/Closed by consumer in XXXX of 2022. I've made multiple written requests to validate the late payment and/or balance due and it has been more than 60 days with no response. I've attached my XXXX bank statement as evidence of payoff. Please update this account to a {$0.00} balance, never late or delete the account in its entirety.

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 2022-04-07
Company: Chime Financial Inc
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
At the end of XXXX, 2021, two unauthorized, unidentified charges were made on my Chime bank account. In early XXXX, the moment I saw them I reported them as unauthorized and disputed them. Chime 's customer service stated it verified the charges as accurate and refuses to credit them. 
I requested documentation that was used to reach their decision. The " documentation '' provided to me was essentially nothing ; they only gave me a document from their own internal system, saying, " POSSESSED CARD AT TIME OF PURCHASE : YES UNAUTHORIZED CARD HOLDER PIN LOCATION : NOWHERE '' They have refused to comment further, despite my many, many repeat attempts to discuss this " document '' with them. The document simply says that it was not a POS transaction ; it was an ACH type of debit transaction made from my account. They are suggesting that the fact that it was an ACH type of charge is proof against my dispute, and that makes no sense. 


These charges were not authorized whatsoever by me, and I am requesting they be reversed and credited as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXXXXXX XXXX XXXX  Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2022 Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: SERVISFIRST BANCSHARES, INC.
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bank at ServisFirst. I am missing {$6800.00} from my account. They're located on XXXX XXXX XXXX XXXX XXXX Alabama XXXX. I just learned about it today

Company response to consumer: Closed with explanation