BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Account # XXXX, XXXX  Account # XXXX, BANKRUPTCY Account # XXXX, BANKRUPTCY Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # 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.

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 2023-06-02
Company: Experian Information Solutions Inc.
State: KS
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:
It has came to my attention that some unauthorized inquires were placed on my credit report, I have take proper steps towards this and I am reporting directly now because In accordance with the FCRA section 611, it is a total violation of my consumer right.kindly remove the following inquiries. 

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 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 2023-02-28
Company: Google Compare Credit Cards Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone got all my information and started applying for credits cards. They applied for XXXX XXXX card for XXXX XXXX ( XX/XX/2023 ). XXXX was for Google for a credit card on there through XXXX bank ( XX/XX/2023 ). Another was from Google North America INC. I disputed all inquiries through the XXXX credit places. Called XXXX to cancel the application and the XXXX XXXX XXXX was able to cancel that. The Google North American ( XX/XX/2023 ) would not help me stop or cancel it. Google was no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2022, I opened a new checking account with Citibank in response to a promotion being offered by the bank. The promotion promised a {$700.00} bonus for new customers who opened a checking account and deposited at least {$50000.00} into the account within 20 days. Additionally, customers are required to keep the money in the account for 60 days. 

When I opened the account over the phone, the Citibank representative took the account and routing numbers for a checking account I hold with another bank, and indicated that a withdrawal from that account in the amount of {$51000.00} would be made in time for me to qualify for the promotion. I had decided to deposit slightly higher than the required amount. 

Perhaps a week later, I noticed that the withdrawal had not been made. I called the new accounts department, where I was told the withdrawal was being processed and would be complete shortly. About a week passed, and the withdrawal had still not been made. I called new accounts again and was told the same storywait a few days and the withdrawal will be complete. 

On the morning of XX/XX/2022, when my account still showed a balance of {$0.00}, I called Citibank relations, and spoke with XXXX, a supervisor in that office. She told me the reason the {$51000.00} had not been withdrawn and deposited into my new Citibank account was that Citibank had not finished setting up the account. Further, XXXX indicated that the promotion might no longer be honored because the account was not funded within 20 days. This is the case, even though it was Citibank 's job to execute the withdrawal. 

I have closed my account with Citibank, but I still thought the bureau should know about my experience, and I appreciate the agency reaching out to the bank to investigate. I believe Citibanks actions raise questions of fraud and whether the bank is engaging in unfair and deceptive trade practices.

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 2023-11-06
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX I purchased a used XXXX XXXX XXXX from XXXX XXXX located in XXXX, CA. During this purchase, I traded in my XXXX XXXX XXXX to XXXX XXXX. XXXX XXXX offered to give me the payoff amount for my trade-in, and we concluded the transaction the same day without issue. On XX/XX/XXXX I was auto-debited for my monthly payment on the XXXX XXXX . After two weeks, Hyundai Motor Finance had not processed the payment from XXXX XXXX, and by extension XXXX XXXX XXXX, to release the lien and transfer the title to XXXX XXXX. At the time, I was not concerned as I knew I would be reimbursed. Two days later on XX/XX/XXXX, Hyundai Motor Finance processed the payoff from XXXX XXXX, and my account was closed by Hyundai Motor Finance. I waited for my refund check from Hyundai Motor Finance. 
After approximately 3 months I called Hyundai Motor Finance and reported I had not received a check. They told me they would issue another check. I waited another month ( XX/XX/XXXX) and called again to report I have not received a check. They said they would issue another check. I wanted another month and called Hyundai Motor Finance again after not receiving a check. This time I was escalated to a supervisor who reported that XXXX XXXX has to request the check as XXXX XXXX overpaid for the vehicle by definition, and that XXXX XXXX has to refund me. I was explicitly told that the Dealer has to call in. I gathered information and communicated with XXXX XXXX. 
I then began communications with XXXX XXXX, Controller for XXXX XXXX, and she has been attempting to assist me. Throughout the entire process, Hyundai Motor Finance has continued to delay, and misdirect XXXX XXXX and still has not made any attempt to refund XXXX XXXX, XXXX XXXX XXXX, or myself. XXXX talked to multiple different reps, including XXXX and XXXX, and got varying responses. XXXX was then told that they could not help her as the customer would have to be the one to call in. This goes against everything I was told. I then attempted a final call in XX/XX/XXXX, at which point I talked to XXXX XXXX He said he would resend the refund check to XXXX XXXX XXXX and would follow up with me in XXXX business days. XXXX XXXX never called me, and XXXX checked with XXXX XXXX XXXX and they never received a check. 
It now has been almost 1 full year, and Hyundai Motor Finance is continuing to engage in deception and fraud as to not return an over payment. All that I ask is that I am refunded the money I am owed by Hyundai Motor Finance, which amounts to around {$560.00}.

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 2023-09-21
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: 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 how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2023-06-02
Company: Block, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XXXX and XXXX were taken out of my cash app card today by cash app. They claim there was a technical issue from XX/XX/2023 to XX/XX/2023 that caused these charges at XXXX to be placed on hold, then put back in my account and taken again and put back. I contacted XXXX. They have no record of the charges. The money I added to cash app today was from a paycheck and a bonus from work. Money that was to be used to fix my vehicle. The XXXX for the charges left me with XXXX. I cant fix my car and Im very upset. I have never received any notice that there was an error with their transactions except during conversations with their rude customer service who are no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: VA
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:
Someone has tried to get Unemployment in my name and Also receiving cards to activate from XXXX  XXXX and XXXX XXXX  so far for me to activate when I NEVER applied for ANY of it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: CA
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 : According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports that is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau.

After disputes online and multiple complaints via the CFPB and disputes by Certified Mail, inaccurate information continues to be listed on my credit report and should be deleted immediatly. I have compiled a list of date on my report attached to this complaint and one has been sent via USPS mail to the agency.

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 2023-06-02
Company: Grain Technology, Inc.
State: NY
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:
XX/XX/2022 In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: ERC
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:
Enhanced Recovery inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report in XXXX, XXXX and XXXX 2019, I noticed this inaccuracy and immediately sent a letter to the credit bureaus followed by Enhanced Recovery. 

I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary. To date, I have yet to receive any correspondence from them. My certified receipts reflect that they received my dispute in XXXX and XXXX of this year. They did not provide any documents that bore my signature nor did they provide the original deliquency date nor a complete accounting of the alleged debt. 

The first violation is that ERC inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. ERC must immediately delete this erroneous entry from all of my credit reports. 

If they indeed are alleging that I owe them for a XXXX bill, why then did they not provide the original terms of agreement as well as any other updated conditions and terms of agreement? Why did they not provide a copy of the ledger to reflect any payments to them? Why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged {$260.00}? This number is arbitrary and lacks veracity. Enhanced Recovery is refusing to respond to my requests, yet they continue to report this inaccurate, unverifiable entry. Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my credit report. Upon reviewing my credit report, I have noticed an unauthorized hard inquiry that was recently pulled by Capital One on XXXX XXXX 

I want to clarify that I have no knowledge of any transaction or business association with Capital One, and therefore, I do not recognize the validity of this hard inquiry. As a result, this unauthorized inquiry is significantly impacting my credit score, which has been diligently maintained.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: Navient Solutions, LLC.
State: NC
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have not been issued a credit for items returned via mail. I have contacted the online return department and have been met with very strange replies. I feel my returns could have been stolen be this area, as I can not get a straight answer even though I have given them the receipts with detailed notes several times. I am always given a pat answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-15
Company: CAVALRY INVESTMENTS, LLC
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You are reporting this information in the credit that is not mine. I ask that this be removed from your records and credit. 
XXXX XXXX ACCOUNT NUMBER : XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX THIS ACCOUNT WAS REPORTED IN ERROR IN MY CREDIT REPORT. Please corroborate and fix instantly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/2014 Balance - XXXX XXXX. 

FCRA violations : not my name XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX # XXXX XXXX, TX 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 2019-03-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2019 I was at XXXX XXXX in Florida. I used an ATM to withdraw {$100.00}. Then my account was hit multiple times for {$800.00} overdrafting my account. We were not notified by Td bank. Upon our arrival back home to Ny on XX/XX/2019 I checked my account to find that transactuon posted on that same day. I notified the bank to make a complaint. I was told it was impossible for me to make those withdrawals due to the speed of the transaction. I was told provisional credit would be available. That did not happen and again I was not notified by TD bank.I went to our bank to complain 3 times.Again they said it was impossible to make such transactions. Upon calling XX/XX/2019 found out the claim was denied.I Filed again and promised provisional credit would be available on XX/XX/2019. Upon calling again on XX/XX/2019 I was told the claim was denied on XX/XX/2019. Still not notified by TD Bank. Since then with overdraft fees the bank has taken my child support check which is my only source of income which brought to call CFPB XX/XX/2019 to file my complaint. Thankyou for any and all assistance to resolve this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: NY
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-04-06
Company: FC HoldCo LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Flagship and I have had a disputed over who owned a car that Flagship states I and was under contract with Flagship.

Flagship wrote in 3 complaints made to the agency the car would be removed from my credit however it has remained on my credit and has affected it negatively. I have since file suit for the car however my car is still being affected by Flaggship.

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 2022-05-14
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: Information belongs to someone else

Complaint:
FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/2014 Balance - XXXX XXXX. 

FCRA violations : not my name XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX # XXXX XXXX, TX 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