BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: Radius Global Solutions LLC
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: Account information incorrect

Complaint:
Was charged for a no show fee, when scheduling was canceled. Then they said I was being billed for inconvenience due to covid and loss. I paid them the {$34.00} and then was told I need to pay the staff fees. Which the receipt clearly started covid safety measures and cost such as mask, gloves, etc. I should not have to get impacted because they cancel my appointment, they send me a letter stating that everyone had covid at that office at the time of schedule and I would not reschedule it as I would not be able to wait for them to open back up so they billed me for loss

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have called XXXX, Transunion and XXXX as well as submitted letters about permissible purpose, validation and incorrect items on my credit report pertaining to inquiries and child support payments from Attorney General. They have refused to remove it and its keeping me from buying a home.

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 2020-08-18
Company: Experian Information Solutions Inc.
State: MD
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 had a bankruptcy reported on my credit report for YEARS. I have sent in a letter from the courts ( dated XX/XX/17 from XXXX XXXX, Assistant Division Manager ) saying they do not report bankruptcies to the credit bureaus. I have sent in the search results from XXXX XXXX and XXXX showing my social security has returned zero results. Experian continues to report this information that is incorrect. In addition, I have also disputed an account with XXXX XXXX XXXX that shows I have a balance, a monthly payment and the incorrect name reporting. I have disputed this information they continue to report it incorrectly and late. I have contacted the Credit Union and spoke with 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 2023-10-09
Company: HYUNDAI CAPITAL AMERICA
State: FL
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 signed up for 2 month deferral and they granted it to me mid XX/XX/2023 after i lost my job but they did not complete the paper work in their system ... so around mid XXXX they sent me a letter i was in default and in a few days would repo mycar ... so they approved me again for the 2 month deferral and I saved my car from being taken and they still ruined my credit in 2 areas on my XXXX XXXX for all bureaus .. and will not fix it.. i took a huge dip in my scores because of them and this one area still says i was late in hte 30 to 60 day area and that is ruining my good name of years of on time good payments with all creditors and i am trying ot buy a house very soon.. I demand they fix all areas that show any thing negative about me and reverse the comments back to never late etc..

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 2023-08-09
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX XXXX XXXX  : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me because I can not recognize this business. 
Please delete this account from my credit report. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: IN
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 writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the ( 9 ) nine inquiries and inaccurate personal information showing on the credit file with Equifax. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TD BANK US HOLDING COMPANY
State: IL
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 have a collections account from Target store. 
I called target/ XXXX XXXX and asked if I pay off the balance then would they delete the record or send me a letter stating that the balance is paid and should be deleted from my credit reports. I called today and they said the representative told me the wrong thing and I may have called a different number but this was the same number I had called now. I was lied to and I just want my collection deleted from the reports. I also want to report that Target tells lies to collect money and they do not take any action after that. LIARS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these 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 XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023, I opened up 2 savings accounts and 1 checking account at Citibank. I did this because I wanted to switch banks to them because I liked the benefits. I definitely regret it. My old bank is XXXX XXXX, so when I opened the accounts, I transferred all of my money from XXXX XXXX  to Citibank. 
Those amounts included : {$550.00} transferred to my checking account {$3500.00} transferred to one savings account {$400.00} transferred to the other savings account I also decided to set up direct deposit with my job, so a paycheck of {$1000.00} was also deposited into my checking account.

The next day, when all of the funds arrived, I received a check from my old car loan company for the GAP coverage refund. I decided to deposit it in my new checking account. The amount of this check was {$840.00}. Citibank initially cashed it, saying that the new check was great. It even said the funds were available in my account. The next day, they marked the check for fraud. I immediately lost all access to my specific bank accounts. I couldn't see any money, nor open up the transactions page. All it said was " account blocked. '' So naturally, I called them and tried to figure it out, because my name is clearly on the check with my address. After jumping me around from representative to representative, I was told multiple things. I was first told that my account had been closed and that they were terminating our banking relationship. I thought that maybe it was a mistake, because the check wasn't fraudulent. I called again because I thought it was a mistake, and then was told that my account was under review by the fraud department and that I should wait. That put me at ease, and I ended up waiting longer. In the next few hours, they completely blocked all access to my account, I am not able to log in anymore. After being on the phone for another few hours and being bounced around, they told me our banking relationship is over and that I would be receiving my funds in the accounts 30-60 days from when my account was closed. And the account could close any time in the next 30 days, meaning I could be waiting for 90 days for my money back. This was ALL of my money at the time, and I had XXXX dollars to my name when the completely blocked me out. So I begged with them to help me figure it out, but they just kept informing me that our relationship was over and I would be receiving the funds soon. 
When I received the check in the mail today, 48 days later, I was honestly livid. The total that they believe was in my accounts at the time of closure was {$100.00}, when there was really {$6400.00}. 
In total I am missing {$6300.00} from Citibank.

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 2022-12-20
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: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-25
Company: Experian Information Solutions Inc.
State: OR
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:
XXXX tracking number letter delivered XX/XX/XXXX I sent a certified letter telling XXXX too fix my credit report XX/XX/XXXX and to remove items that aren't me or shouldn't be on credit report and it's now XXXX and still nothin has changed I'm a victim of identity theft and want my credit to be in order I can't even get a XXXX card XXXX nothin business credit card anything at age XXXX and it's ridiculous. I have sent them a list of inquires that aren't mines and I wanted removed immediately due to the fact I never signed up or gave any company my permission to post anything on my credit report those inquires are fraudulent and don't belong too me I have sent more then one letter I actually sent 3 letters to each credit bureau and it has got me no where also I have a loan from money lion on my credit report that I have paid in full XXXX dollars that is still displaying I owe them money I have my receipts and evidence to prove I have paid them in full 8 months early hoping my credit score would have a boost they only report every 3 months and it's been 3 months and my last report there stating my loan hasn't been paid in full but I'm currently paying on time I paid in full in XX/XX/XXXX my balance should be XXXX dollars. Also XXXX I did the same thing wanted inquires that are fraudulent or I didn't do or ask to be put on my credit report about XXXX inquires of places I've never been in contact with XXXX is the tracking number which my letter was delivered to XXXX XX/XX/XXXX and nothin has been cleaned up. Also it's been over two years for most inquires hard and soft that should by law already have been taken off my credit report that these credit bureau are still keeping locked on my report and I want them all removed my letter or time plus money I've spent sending them letters to fix my credit wasn't a joke and I demand to be taken seriously thank you

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 2021-11-04
Company: CountryPlace Acceptance Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I just realized this just now. 

The cash to close on the closing disclosure sent from the country place mortgage to the CFPB on XXXX was {$590.00}. 

The cash to close that we were told during closing with XXXX XXXX with country place mortgages information on the earnest money contract that we signed XXXX. States that we needed to put down {$7300.00} to close on top of the {$1000.00} deposit that we had already paid. 

They also were requesting this money XXXX when we closed on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Dear Sir/Madam : On XX/XX/XXXX an unauthorized charge by XXXX XXXX XXXX XXXX XXXX, in the amount of {$120.00} was posted to my Citi credit card account ending in XXXX. I was also charged a " foreign transaction fee '' by Citi of {$3.00}. I reported the unauthorized charge and disputed the charges and received credit for both. I closed that account and requested a new card. When I received my statement, another unauthorized charge of {$120.00} by XXXX XXXX XXXX XXXX XXXX was posted to my new account ending in XXXX on XX/XX/XXXX with another foreign transaction fee of {$3.00} charged by Citi cards. I made several attempts to dispute the charge by phone and by chat. Citi does not have an e-mail address on their website for customer service to dispute a charge. I closed that account and received another card ending in XXXX. The disputed charge was transferred to my new account! I have since paid off the account minus the disputed charge. Citi has closed my account and is marking is past due which affects my personal credit to the point where my credit score has dropped considerably and it has affected my ability to get a loan. I would like to report Citi 's lack of help with this unauthorized charge on my account and that they transferred the unauthorized charge to my new card after I took the necessary steps to prevent this company from accessing my account. Thank you.

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 2021-11-04
Company: OneMain Finance Corporation
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I was given a loan with OneMain which they secured with my XXXX XXXX XXXX XXXX XXXX Title. They valued the truck engine at {$13000.00} and added {$3000.00} for insurance. This loan was secured at the start of the pandemic in early XXXX. I have been unable to pay and the local office was aware. They recently obtained an outrageous judgement of over {$21000.00} yet will not release my title to me so I can attempt to sell the truck and reduce the amount owed. I was attempting to fight this in court but my witness was ill. I would like an opportunity to try to sell the truck or suggest they sell. Their comment, through attorney, was we dont hold collateral.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
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 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 2023-07-18
Company: FORD MOTOR CREDIT CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Lost job then covid. Ford repoed car. Never sent any late notices or notice if sale or offer to purchase or amount left after sale. Ford discharged the debt for more than was balance. Then sold it to a debt collector which is now charging 16 % interest. Can't afford a car payment so it will never be pd off.

Company response to consumer: Closed with explanation