BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY
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:
Capital one there was a credit card they say I have that I never signed up for nor have a card on XX/XX/2023 I asked them to remove it and did a dispute with them and they are saying it accurate with that being said I asked them to prove to me that I was the one to open it and they can't I called them three times and got hung up on I would like this off my XXXX and taken care of.. XXXX is a hard it I never did as well as XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Santander Consumer USA OPENED XX/XX/21 The reporting of the late payments, term length, amount due amount of loan paid are all reported inaccurately. Due to the inaccuracy of the reporting please remove the reported late payments on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: CA
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-06-03
Company: EQUIFAX, INC.
State: CA
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Innovis
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: Problem with personal statement of dispute

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove them, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had an no penalty cd with Ally Bank. They sent me an email offer for an interest bonus program. The bonus was 1 % bonus for a deposit up to {$50000.00} of new money. I elected to take the offer, signed up online with the help of one of their reps. and deposited {$50000.00} of new money into a new account. The money needed to remain there for 90 days and then the bank would pay the bonus on XX/XX/XXXX. When the bonus was not paid, icontacted the bank XX/XX/XXXX for an explanation. They agreed to check and let me know. I checked with the bank again on XX/XX/XXXX and was told they were still checking. I checked back on XXXX and spoke a supervisor. She advised I needed an approving email with a code # to get the bonus. This was the first time I heard about this qualification. I checked back to when the account was opened but couldn't find an email. I explained the account was opened with the help of their rep. and had followed all instructions at that time. The rep I worked with did change my email to get into the account but it was changed back within 15- 20 minutes. I sent the bank this information by email on XXXX and was told they would review and let me know. Their confirmation email indicated 7-10 days for a reply. I waited now 47 days and have contacted the bank several times but they will not provide an answer. I'm tried of waiting and allowing the bank to use my money. Today I have authorized the account to be moved to another bank. However, I met all their requirements for the 1 % bonus or {$500.00}, plus interest from XX/XX/XXXX to XX/XX/XXXX. They can sent the money in the form of a check to my address on file. Thanks for your help.

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 2022-06-03
Company: EQUIFAX, INC.
State: MS
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:
My name is ( XXXX XXXX ) and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately. Both together and separately my consumer rights and privacy rights have been violated by XXXX, Equifax, XXXX and XXXX. Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) I have the right to privacy. I am also aware that I have the right to privacy of non- public personal information in accordance with 15 U.S.C 6801 and the right to know where and how to direct the disclosure of my non- public information and I am exercising that right demanding the each CRA remove the information listed in attachment as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a mortgage loan from TIAA Bank ( at the time the name of this bank was Everbank ) for a total of {$350000.00}. On a monthly basis I paid a total of {$2400.00}, never missing a payment. On XX/XX/XXXX I sold this home and upon the deal closing on this date, paid the remaining remaining {$310000.00} of the loan to TIAA Bank. Since that date, XXXX has continued to debit my account for {$2400.00} on a monthly basis totaling {$52000.00} as of today, XX/XX/XXXX. I first contacted TIAA bank to resolve the issue on XX/XX/XXXX. Despite being told that this issue was resolved and I would be receiving a refund, it has still not been resolved and my account continues to be debited on a monthly basis. I have continued to try and contact the company to resolve this issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: FL
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2020-12-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had my account with Citi since XX/XX/XXXX. I had a {$XXXX} limit. I used the card sparingly for travel or small purchases. i always paid my card on time and never approached my limit. I had not used the card for a period of time. In XXXX of XXXX, This was split into two purchases of approximately {$1900.00} each at the start and finish of a car repair. On XX/XX/XXXX I was notified my limit had been reduced to just over my balance. I contacted them for an explanation and request to return my limit to it's original limit. They refuses and advised I could ask for a review in 6 months. This has damaged my credit score since, going from XXXX in XXXX to XXXX in XXXX. due to the lack of available balance. Today ( XX/XX/XXXX ) they again reduced my limit to just {$60.00} above my current balance. I anticipate this will have the same affect again, and cause my score to be reduced. I contacted them again today and was provided the same response as before, which was 'due to credit report and other factors ', I closed the account as a result. This type of activity has directly damaged my credit and practices like this are unfair and border on abusive, especially during such a difficult time ( COVID ). I pay nearly 2x my monthly payment split bi-weekly when paid. Thank you for reviewing my complaint.

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 2022-06-03
Company: EQUIFAX, INC.
State: GA
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 disputed these Hard Inquiries with Equifax, as I did not and they are still listed. Please remove inquiries from my credit report. Thank You XX/XX/XXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon examining my updates, fallacious information was 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 inaccurate information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX - XXXX Date:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: General Motors Financial Company, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
I received a letter dated XX/XX/XXXX regarding a refund I was suppose to receive from GM financial in the amount of {$3500.00} dollars. I have called multiple times and was told the check has been mailed by multiple employees on XX/XX/XXXX, but I recently called XX/XX/XXXX to find that the check hasnt even been printed. I have requested this refund be processed and overnighted but the employees are refusing to send my refund over night telling me i will receive it by XX/XX/XXXX i called XX/XX/XXXX and the check still hasnt been mailed so there is no way I will receive it by XX/XX/XXXX. So at this point they are holding my refund for no reason and it looks the refund will never be mailed. The same story they keep telling me is the accounting department is back up but i do not believe it should have taken this long nor do I believe its been processed because they have lied to me multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: MA
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, this creditor has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy 15 USC 1681 section 6O4A Section 2 it also states a consumer reporting agency can not furnish an account without my instructions or written consent, under 15 USCs 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: MS
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 am requesting a reinvestigation and your Method of Verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XX/XX/2020 Received response letter from Transunion stating that they refuse to reinvestigate public record : Chapter XXXX Bankruptcy. Transunion stated unless consumer provide additional information such as letter from creditor or courthouse they are not required to reinvestigate the same item at this time. I have enclosed a letter directly from the courthouse stating that they do not furnish, provide, report, or verify bankruptcies with the Credit reporting agencies, vendors and third-parties. ( Transunion can review the letter enclosed as an attachment in this complaint. ) Transunion stated in their response letter that it is their goal to maintain complete and accurate information. ( I have provided a XXXX  document showing the comparison of how the bankruptcy is being reported inaccurately across all three bureaus. ) Items reporting on a consumer 's credit report must be reporting 100 % accurate across all three bureaus via the Fair Credit Reporting Act. If an item is not reporting 100 % accurate across all three bureaus the item must be deleted from the consumer 's 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 2019-01-16
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I trying to opt out of XXXX on my online banking because i rarely use it i told the rep to opt out those emails and she refused and refused me to get a supervisor and i told her i want to opt out of XXXX i told her that i NEVER use it and I just don't want any emails about XXXX i want to opt out of these emails which states by law Opt-In Requirements and Permission. The CAN-SPAM Act allows direct marketing email messages to be sent to anyone, without permission, until the recipient explicitly requests that they cease ( opt-out ). Direct marketing email messages may be sent only to recipients who have given their prior consent ( opt-in ).

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 2023-09-25
Company: Experian Information Solutions 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-04-18
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 submitted a letter to the 3 Credit Bureaus to fix 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. 

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Company response to consumer: Closed with explanation