BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX Account number : XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: NY
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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX XXXX XXXX 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

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 2023-09-01
Company: EQUIFAX, INC.
State: MN
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:
Attached to this complaint is a letter I received from XXXX XXXX XXXX, XXXX ( XXXX ) on XX/XX/XXXX  informing that they had a security breach on XX/XX/XXXX  and my personal information such as my Name, Date of Birth and Social Security Number was compromised and stolen by an unauthorized third party. The following accounts thats currently showing and listed on my XXXX and Equifax credit report is the result of the data breach and are fraudulent accounts : XXXX XXXX XXXXXXXX, {$210.00}, XX/XX/2023, XXXXXXXX XXXX XXXXXXXX, {$330.00} , XX/XX/, XXXX XXXX XXXXXXXX, {$610.00}, XX/XX/2023, XXXX XXXX , XXXX, {$320.00}, XX/XX/2023 and XXXX XXXX XXXX XXXXXXXX XXXX {$250.00}, XX/XX/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24
Company: Total Card, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I XXXX XXXX entered into a consumer credit transaction with total visa. I paid this account in full and closed it with a representative on the phone. A few days after total visa billed me for a annual fee knowing that the account was closed and never used since the date it was closed.This violates my right as a consumer and is an unfair practice pursuant to 15 usc 1692f. Total visa continues to bill me violating my rights as a federally protected consumer.Total Visa is in violation to FCRA, FDCPA, and TRUTH AND LENDING ACT. Dispite the federal laws Total Visa continue to negatively impact on my consumer credit report.

I did not give Total Visa DIRECT consent to report on my consumer credit report pursuant to 15 usc 1692c ( a ). Furthermore, Total Visa has been in receipt of my certified letter containing a affidavit of truth, cease and decease, a debt validation and a invoice for payment. Its has been more than 30 day with no response which means they have defaulted my affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: MO
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
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: Investigation took more than 30 days

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
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: Investigation took more than 30 days

Complaint:
I have called and emailed letters to XXXX XXXX XXXX XXXX in XXXX and XXXX of 2017 to remove late payments that were posted to my account, and again I contacted them for late payments that were posted to the credit bureaus on XXXX and XXXX of XX/XX/2017. The payments have been removed and then reposted to my account, but for the last 2 years have been moved. It is affecting my credit score. I don't understand why the account will reflect a late payment for XXXX, and then XXXX, then will get changed from XXXX to XXXX. It also has been moved from having a late payment in XX/XX/2017, to XX/XX/2017, on several occasions

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 2023-05-03
Company: Americas Car-Mart, Inc.
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I bought a XXXX caliber from XXXXXXXX XXXX ( XXXX XXXX XXXX, this vehicle quit running 3 a few weeks after purchase so XXXX auto sent it to 2 different automotive repair shops for repair Unfortunately neither repair shop could figure out what was going on so it was not fixed The manager at the time ( XXXX ) offered to trade me out of that caliber into a different vehicle, so I took that option, this vehicle is a XXXX XXXX XXXX XXXX XXXX which is now paid off, now a couple years later I decided to buy another car and I find out that there is a voluntary repossession on my credit repair, I called XXXX to remedy the situation and I talked to XXXX who is the district XXXX at XXXX auto He knows exactly whats happened and said that if I have any problems to call him. I do still have the recorded message of XXXX and Is conversation about said vehicles as my XXXX is set up to record phone calls. I have tried a couple times to dispute said report with no avail Id like this inaccurate information taken off my report asap before I am forced to take other action against XXXX 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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These account are unknown to me. Also, the information you provided on other account are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.

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 2023-10-28
Company: Experian Information Solutions Inc.
State: IL
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:
My XXXX auto loan reported a late payment and i asked that i receive validation that payment was late

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 2022-11-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I have made multiple attempts to reach out to Toyota Financial at ( XXXX ) XXXX to retrieve my refund of {$740.00} as indicated in my letter dated XX/XX/2022. At no time was a refund check issued to me for {$740.00}. Upon speaking with the representatives on multiple occasions, there was unfortunately no resolution. I would like to cite the XXXX act in regard the aforementioned issue. A notice providing reimbursement in regard to a coverage that was purchased was sent indicating there was a refund to be issued, but unfortunately no refund was issued. There was a claim that this refund was issued, but the individual on the phone was unable to identify anything specific and indicated they were reviewing with a department, but only kept me on hold for an indefinite amount of time ( on each call ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: IL
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:
when I log in myequifax I get this message Please give us a call and give this code to the Agent : XXXX  Your Equifax credit report and score are not available at this time due to a technical error. Please call XXXX XXXX at XXXX ( XXXX ). 

I called many times and sent letter XX/XX/2022 and called many times on XX/XX/2022 I called they said they would fix my problem so I can view my credit report and XX/XX/XXXX and they said same thing They will fix in 7 to 10 days. I haven't been able to view my credit since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have an XXXX XXXX credit card that had a credit limit of XXXX. I make my payments on time and today I received a letter that they decreased my credit limit to XXXX, ( My balance is XXXX ) and XXXX to use. They have done this to me on another account I never used, it was a XXXX account with a {$250.00} limit. and a XXXX   XXXX card, that I paid off and hadn't used in a few months. The credit limit was XXXX and they lowered it to {$100.00}, again another ding. I never used the XXXX XXXX card and they lowered the limit to XXXX. So it had an impact on my credit report. This new XXXX XXXX decrease will also affect my report. They told me it had something to do with something in their contract that they can lower the limit at any time, based on my credit report. The report they are using is from XXXX. It's already XXXX and my credit score was less when I first received these cards years ago than it is now. However, 4 other cards that I never used, they closed them, and that did not ding my credit report. How do they get away with this? 

Why am I know getting penalized for patronizing a store and paying my bill on time? I spoke to a " Credit Supervisor of  XXXX. His name was XXXX ID # XXXX. I asked for the name of the Chairman of the Board but he refused to give me that information. What kills me is that they report it to the credit bureaus with absolutely no reason for the decrease. What are my options to alleviate this, I think I only have three XXXX  cards left the others issuing banks alert me if I haven't used a card they will close the account ; that is fair! I understand that and it's not a negative on my report. I can understand not giving me an increase but to decrease it, hurts my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: DISCOVER BANK
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am writing to the Consumer Financial Protection Burea to seek proper handling of my claims by XXXX XXXX and Discover Bank. They have fraudlently closed my account but have refused to offer me another credit line and are refusing to acknowledge my report regarding fraud and are claiming that identity fraud case which occured did not take place. This lie has resulted in a {$6000.00} credit fraud claim loss and is an attempt to falsify and defraud XXXX XXXX like myself and discredit the investigations of the XXXX XXXX Police Department. Discover was my credit card compamy for XXXX years and instead of providing customers like myself quality investigations and reimbursement services they have dismissed my claims as imaginary and behaved in an unprofessional manner by not speaking with me prior to closing my account ( but Discover is holding my financial data XXXX and preventing me from opening other credit cards for my self employement ). On XX/XX/XXXX, I reported the {$6000.00} Discover credit card fraud loss to XXXX and on XX/XX/XXXX it was reported to me that the claim number XXXX under policy number XXXX investigation confirmed that no fraud was committed under insured credit line despite the fact that fraud did in fact take place on XX/XX/2023. Discover and XXXX 's behavior is tantamont to digital and financial terrorism and I am seeking a reimbursement of the {$6000.00} as my insurance policy with XXXX XXXX allows or a reopening of my Discover Card credit account with the previous credit balance of {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: U.S. BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
US Bank has charged off my account with fees calling it " account abuse '' which now hinders me from opening a credit Union Account and subsequent loan. 

XXXX charged to my card without my authorization {$170.00} on XX/XX/XXXX. My US Bank account had {$12.00} in the account which resulted in an overdraft and then additional fees totaling- {$230.00}. In XXXX of XXXX, US Bank Charged off the account without any notice to me and reported to XXXX XXXX as " Account Abuse ''. US Bank did not have any statements or contact regarding this activity. I have been on the phone with the branch 3 times and have been referred to contact 5 different departments with US Bank with over 8 hours of phone time. 

XXXX has agreed to credit me {$78.00} but this does not resolve the issue of the overdraft, closed account. I want a rull refund and my account restored to it original balance with US Bank and a letter to XXXX XXXX showing this as an error. 

We still have our business account with US Bank and hope to keep it open, unless this can not be resolved.

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 2020-06-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Fifth Third Bank denied me to make my loan current. Made me reorganization and increased my mortgage over 30 more years. They also broke into my home at least 3 times.

There is more attached They have escalated the interest 4=5 percent. Second I was denied to make my loan current They increased my loan has been increased to be a 62 year mortgage. I believe the XXXX. employees violated truth and lending practicing I am very upset they allow people break into my home and damage my property, I should have been allowed to keep my FHA loan. I would have matured this loan in 2022. 
I believe and my feelings Truth and Lending practices have been violated. I am also concerned this broke the laws like extortion, fraud, breaking and entering. etc I wonder how many payments that Fifth third has denied excessive payments and sending checks to me that have never been cashed. It is ridiculous. 
There is no way I should still have to pay them for 34 more years. I haven't even able to pay my loan and haven't even paid 50 % loan after 28 years. 
I also believe these employees and goals were to force me to change my mortgage from the FHA XXXX XXXX XXXX XXXX  was paid 2 {$800.00} payments and they never applied to my mortgage and their Manger was absolutely RUDE Second I already made payments. The bank does a horrible job accounting. They should never break into my home and demand be paid a second time {$2400.00} or they will foreclosure my property. So my payments should be probably 4-5 payments in advance I am also very concerned that their craigslist employees will try and break into my home and they will find myself in a life threatening situation Please see the attached documents I the consumer Financial Protection believes Fifth Third Bank should be sued I will be more then willing to help. 
Please only email me : XXXX or telephone Number ( XXXX XXXX XXXX. I do not want any snail mail. I was recently in the hospital for XXXX weeks and the XXXX   for four times and had XXXX XXXX XXXX. When healthy I am single and travel for business and do not want sail mail I also believe the employees names addresses city state zip and emplyee ID 's given to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, 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:
I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES CERTIFIED CREDIT REPOR XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXXXXXX {$670.00} XXXX XXXX {$2100.00} XXXX XXXX XXXXXXXX {$2300.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXXXXXX XXXX {$3000.00} XXXX XXXXXXXX XXXX {$320.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
We applied through XXXX XXXX for a Capital One credit card. It said the odds of approval were excellent. We already pulled our credit from all XXXX credit bureaus and our score met the minimum needed for this card. We applied and Capital One declined us due to " too many inquires. '' We called their reconsideration line and was declined a XXXX time. They pulled our credit XXXX and decline us for too many inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Recently I learned that Citi is stripping almost all of the benefits from their credit cards, such as car rental insurance, return protection and price rewind. They promised these benefits when I signed up for the card and they should not be able to be removed in such an arbitrary and harmful manner. Citi is showing itself to be a poor corporate citizen who is unconcerned with the welfare and wellbeing of its customers.

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