BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
State: LA
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 the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140000.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX {$9300.00} XXXX  XXXX XXXX {$2500.00}

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 2023-01-13
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:
I have incorrect information reported by XXXX XXXX on my credit report, I have disputed this matter with Experian, XXXX, XXXX, & through the CFPB. XXXX XXXX has XX/XX/22 Account Balance {$16000.00} reported to Experian & on XXXX report is {$16000.00}. This is a direct violation under the FCRA and Im invoking my rights.

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 2023-01-13
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: Account status incorrect

Complaint:
No action taken by credit agencies. Not 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 explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXXXXXX  You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Cloarly states that I have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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: COMMUNITY BANK SYSTEM, INC.
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/2023, I overdrew my business receipts account by {$1.00}. Evidently, I was incorrect in the amount I believed was in the account and I spent {$1.00} more than was in the account. On XX/XX/XXXX I happened to check the account to see if there was any remaining balance since I was attempting to withdraw all funds since I have not operated my business. In the past, with a different business checking account, Community Bank NA refused to close an account without proof that the business had been discontinued. 

When I discovered the overdraft on XX/XX/XXXX, I contacted CBNA by message on their website. I also contacted them again on XX/XX/XXXX to request that a hard copy statement be mailed to me. I was told that they could not do so and that I should contact my local branch. I made screenshots of the two conversations. 

Community Bank did not notify me of the overdraft until at least XX/XX/XXXX. I can't prove it but they did not send the letter on XX/XX/XXXX because I did not receive it until XX/XX/XXXX. Instead, they charged me {$36.00} for the INSF fee then started charging me an additional {$5.00} per day in what they termed continuous overdraft charges. At this writing, CBNA has now charged me {$110.00} in continuous overdraft charges along with the initial {$36.00} INSF charge. This totals {$150.00} in overdraft charges to date. I have saved PDF copies of these charges on many dates starting XX/XX/XXXX. Even if they had notified me on XX/XX/XXXX, the account had already incurred XXXX {$5.00} continuous overdraft charges prior to them notifying me of the insufficient funds. 

The letter that was dated XX/XX/XXXX told me to pay at least {$62.00} and was sent from their Overdraft Recovery Department in XXXX, NY. What I have paid to this account was a {$10.00} transfer from the taxes account on XX/XX/XXXX which brought that balance to {$0.00}. Then, on XX/XX/XXXX, I paid the additional {$26.00} of the original {$36.00} overdraft charge. On XX/XX/XXXX, I paid the original overdrawn amount of {$1.00}. I have not paid any of the {$5.00} charges which totaled {$110.00}. After I paid the {$36.00} overdraft charge and the original overdrawn amount of {$1.00}, they removed all of the {$5.00} fees. However, I am certain that they will do this to another customer. This needs to be stopped. 

If this is not illegal for Community Bank to do, it is at least unscrupulous and unethical. So, if this is legal, I would like to ask that you let me know so that I can contact my state and federal representatives in an effort to create laws that will make this an illegal action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX has violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 

15 USC 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXXXXXX Character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

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 2023-09-07
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

I told the three reporting agencies Experian, XXXX and XXXX to reinvestigate these accounts. However, they stated that everything was complete and accurate. But how can that be possible if the open date and date of last activity and other items are incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts not reporting accurately.

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 without my written instructions.

15 U>S>C 1681 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 that report by more than seven years.

15 U.S.C 1681s-2 ( A ) (! ) A person shall not furnish any information relating to a consumer to any reporting agency if a person knows a or has a reasonable cause to believe that the information is inaccurate.

Also, they are not even in compliance with metro2 credit reporting.

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 2023-06-30
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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Acceptance Corp has different balances owed for an auto loan on my credit report. I informed them that the information and address they have on file is incorrect. However, after I disputed the account Credit Acceptance Corp marked the account as current status on my XXXX credit report with a different balance than my XXXX credit report but sent new documents to my new address without verifying me and is harassing me and attempting to collect an auto debt.

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 2019-02-11
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Kia Motors Finance Acct No. XXXX. 11 months into the lease, vehicle was in accident and was totaled. XXXX XXXX provided coverage Claim No. XXXX. KiaMF sent me letter dated XX/XX/2018 that they would provide settlement amount directly to insurance. On XX/XX/2018 Kia advised XXXX the settlement amount would be {$17000.00}. XXXX XXXX. XXXX issued its check in that amount of XX/XX/2018 that was mailed to Kia and applied to the account. Ins. company, issued check for balance of claim to me. After confirming Kia had received payment, I and XXXX XXXX ( step-daughter ) used proceeds to lease a replacement Kia, also finance by KiaMF. KiaMF apparently reneged on settlement amount and decided it wanted more, refusing to release title to insurance company. By letter dated XX/XX/2018, KiaMF sent a demand letter false claiming that there was an insurance deficiency of {$1900.00} and Primary Insurance Deductible of {$560.00}, even though KiaMF knew the insurance proceeds had ben sufficient to fully pay the claim and that no deductible amount had been applied to reduce the amount of its check. I have written the company by email and had several telephone conferences, including a conference call with my adjuster that the claim had been fully paid. I assert that this claim has been compromised and settled. KiaMF decided to deal directly with my insurance company and exclude me from the settlement process. Because I was not notified that claim had been paid, an additional payment of {$190.00} was paid on XX/XX/2018, over an above settlement amount. When KiaMF stated a settlement amount that it was promptly paid the claim was compromised and settled in full. Subsequently, I clearly advised KiaMF that this balance due was disputed for the reasons stated above. KiaMF has placed negative credit information on both my credit report and that of my step-daughter. Supporting documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Taking advantage of a Citi Cards balance transfer promotion, I requested through customer services that they make a transfer for {$670.00} to XXXX XXXX from the XXXXXXXX XXXX store, when I checked the account, the transfer was made to a XXXXXXXX XXXX XXXX XXXXXXXX and I don't have an account with that bank, because it was a mistake by your customer services. 
Since the month of XXXX I started the claim with Citi. On XX/XX/XXXX they sent a letter only to notify me that the transfer had indeed been made to XXXX XXXX XXXX 
When they did not solve my problem, because they neither made the transfer to XXXX nor credited the money to my account, I called again and they promised me an investigation. On XX/XX/XXXX, they sent me a second letter and in this they tell me that I am the one to call XXXX XXXXXXXX XXXX but I do not have an account with that bank. I called again to tell them that it is Citi who has to work on it, because they made the mistake, so they told me that I would resubmit my complaint to resolve ; but on XX/XX/XXXX they sent me a third letter and in this they tell me that Citi definitely can't do anything and that I am the one to complain to XXXX XXXXXXXX XXXX, I called again and this time they put me through a supervisor, she agreed with me, but so far they do not solve the problem for me ; I made this last call on XX/XX/XXXX with a supervisor named 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 monetary relief
Consumer complaint received 2023-07-20
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
[ Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Incorrect Information Reporting on Credit Bureau Dear Sir/Madam , I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a persisting issue regarding the incorrect information that has been reported by credit bureaus from XX/XX/XXXX to XX/XX/XXXX. Despite my attempts to rectify the situation, the credit bureaus continue to report inaccurate details, including incorrect amounts and dates. 

I have recently taken steps to address this matter by contacting the credit bureaus and providing them with the necessary documentation and evidence to support the correction of the inaccuracies in my credit report. However, to my dismay, their response has been unsatisfactory, as the incorrect information persists on my credit report. 

The inaccuracies reported by the credit bureaus have had a significant negative impact on my financial profile and creditworthiness. This has proven to be highly detrimental, as it has affected my ability to secure favorable interest rates, obtain credit facilities, and even hindered my chances of gaining employment in certain sectors that require a thorough credit check. 

I kindly request the assistance of the Consumer Financial Protection Bureau in rectifying this matter. I believe that it is within your jurisdiction to intervene and ensure that the credit bureaus accurately report my credit information. I am confident that with your involvement, a resolution can be reached, and my credit report can be updated to reflect the correct and accurate information. 

Please note that I am available to provide any additional information or documentation required to facilitate the investigation and resolution of this matter. Additionally, I understand that certain personal information may be necessary later in the process for identification purposes, and I am prepared to provide such information when requested. 

I would greatly appreciate your prompt attention to this matter, as it has caused significant distress and inconvenience. I trust in the abilities of the Consumer Financial Protection Bureau to ensure that consumers like myself receive fair treatment and accurate reporting of their credit information. 

Thank you for your time and consideration. I look forward to a favorable resolution to this matter and appreciate your efforts in assisting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report which is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and need to get deleted immediately : XXXX FOR Inquired on XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XXXX, 2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX  Inquired on XX/XX/2021 XXXX  XXXX  Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 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 2023-07-20
Company: EQUIFAX, 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:
This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX  ( Original Creditor XXXX ) XXXX and XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. Also, please remove these inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX - XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : listed account need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$34000.00}

Company response to consumer: Closed with explanation