BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and UPDATED in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-05-16
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Overly excessive interest rate and hidden fees. Bad warranty, reporting inaccuracies on credit report. This company has lawsuits in XXXX states for its fraudulent dealings.

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 NOT APPLIED FOR NEW CREDIT - NEED ALL THESE UNAUTHORIZED INQUIRES DELETED FROM MY CREDIT ALONG WITH ALL COLLECTION ACCOUNTS

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 2023-07-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX can not close CD Supposedly because of some computer glitch. This has been going on for 3 days and no resolution in site. Also, they never contact me of any updates. On the third day after repeated calls they finally put in a research report to fix the problem. Why they didn't do that 2 days ago, don't know? If I didn't repeatedly call, would they have done anything. What a terrible consumer relationship problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: AXOS FINANCIAL, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been trying to log into my AXOS  checking account to pay my mortgage since Saturday, XXXX/XXXX/2022. I recieved a message that they are performing scheduled system maintenance. I tried again unsuccessfully on Sunday, XXXX/XXXX/2022, so then I called the bank where I was told their servers were down but the expect the problem to be resolved within a couple of hours. I tried again today, Monday XXXX 2022, and I recieved the same message that they are performing scheduled systems maintenance. I took a screenshot in case you need to see. I called the bank and was told there is no problem, my account has been frozen until further review, which could take 24 to 48 hours. I asked to speak to someone with more information, perhaps her boss, and was told she can not transfer phone calls. Having received three different responses, I don't know what to believe, and I have NEVER been told I can not be transfered to someone that might be able to clarify the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: IL
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 ( s ) XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Experian XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX 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 an 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 explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: IL
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 ( s ) XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
They are listing late payments, due to the long time frame no proof is available to me, I dont have access anymore since they sold the mortgage.

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 2021-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Someone stole my card information and withdrew XXXX from my account. I never lost the card and its been with me even now. After my claims were denied I even went to report the incident to the police department. Filed a police report and forwarded information to bank. Now they tell me they couldnt get surveillance video of atm. And that if it happened at another banks atm its not their problem. I feel like they are doing the most to not help me when I need help the most. Im already unemployed.

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 2022-02-01
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I lived in XXXX XXXX in XXXX, MN : XXXX XXXX, XXXX was landlord ; ( herein referred to as XXXX XXXX. ) I paid all of my rent. ( I would have been evicted otherwise. ) I have the landlords ledger of the rent I paid. 
I have all my rent receipts. 

XX/XX/XXXX was my last month. 

I left not owing money. 

Nearly 2 years later : Hunter Warfield [ XXXX ] XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX a collection agency that HAS illegally identified themselves as an attorney on my credit report this collection agency reported a Collections ( AND a negative Account ) to my Credit Report : Claiming that I owed ( what? ) {$1700.00}? 
to XXXX XXXX. 

All systems have failed since that moment : [ FIRST SYSTEM-FAILURE : ] I provided ( 1 ) my rent receipts for XXXX, ( the time in question ; ) ( 2 ) my lease ( proving rent amount ; ) and ( 3 ) the computer printout of my account history from the landlords database. 

Warfields proof that I owe this money is a document that any XXXX can manufacture with a computer and printer. 

[ SECOND SYSTEM-FAILURE : ] I disputed this record on my Credit Report the last time in XX/XX/XXXX : ( I sent everything by return-receipt mail : ) I NEVER RECEIVED RESPONSES FROM WARFIELD OR THE THREE CREDIT-REPORTING AGENCIES.

So it should have been removed from my credit report. 
It was not removed. 

[ THIRD SYSYTEM-FAILURE : ] Things fall off automatically after X-amount of time : From memory : In Florida, it is 3 years? 
Definitely across the board SEVEN YEARS MAXIMUM : The debt is from XXXX : XXXX plus 7 years equals XXXX : It is still there on my Credit Report. 
Until XXXX, I was told. 

... 

Firstly : I NEVER OWED THIS MONEY! 

Secondly : I PROVIDED ALL EVIDENCE my receipts, the lease, the landlords record THAT I DO NOT OWE MONEY, AND THAT I NEVER DID OWE MONEY. 

Thirdly : How many laws in-place to protect me have failed? 
( a ) Calling the business an attorney ; ( b ) never responding to my filed dispute ; ( c ) not adhering to the 7-yr MAX reporting time-limitation WHERE AND HOW IS THIS GOING TO END? 

DO I NEED TO TELL YOU WHAT CONSEQUENCES I HAVE SUFFERED FROM THIS FRAUD!! 

IF I HAD A HISTORY OF NOT PAYING MY BILLS : MY CREDIT REPORT WOULD REFLECT THAT. 
__ THIS NEEDS TO BE REMOVED TODAY, NOW. STAT. I am suffering because of my Credit Report BECAUSE OF THIS! and I need your help to rectify this evilness. 

This is nothing more than extortion. 
Pay the {$1700.00} and get my life back. 

Please help me. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and UPDATED in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-07
Company: WELLS FARGO & COMPANY
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
My car was hit & run by another car. I made a claim with XXXX, my insurance company. XXXX made a reservation with XXXX, their rental car partner. I had to put a {$50.00} deposit down on my credit card for the return of the car. The car was returned after repairs to my card were made. 

In the process, XXXX has gone wild charging my credit card numerous times even though XXXX was also paying them! 

Despite my supplying Wells Fargo Visa with the evidence of XXXX paying the amount that should have been charged, there are still unauthorized XXXX  charged on my Wells Fargo Visa. 

Please help. I have spent a total of 8 hours of wait time simply holding for XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX who is also waiting on XXXX XXXX to pick up the phone. I have tried leaving messages for Senior Vice President XXXX XXXX XXXX with no returned call or email.

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 2023-01-03
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On or around XX/XX/XXXX2023, I attempted to make a purchase with my existing Citibank credit card and my purchase was declined. Per Citibank my {$21000.00} line of credit was reduced to XXXX, with a existing balance of {$9700.00}, leaving a line of credit of {$270.00}. I had this Citibank account since XXXX, never missed a payment, credit score close to 700, credit card balances under 50 %. Per Citibank we reduced your available line of unused credit to prevent fraudulent purchases over the holiday period. I would like to file a formal complaint against Citibank for this discriminatory practice of targeting minority accounts and lowering existing lines of credits without notification or disclosure based on perceived notion someone would attempt to utilize unused lines of credit during the holiday therefore, Citibank must block the consumer from making any purchases during the holiday period by reducing the lines of credit to nothing. I am asking for investigation into this practice that targeted minorities and block purchasing power during the holiday without any legal justification or based on actual credit sconce. I also would like to file a formal complaint as act of retaliation I believe Citibank intentionally lowered my line of credit by {$10000.00}, as act of retaliation for the many complaints I filed with CFPB against Citibank and asking that CFPB conduct an investigation into how many consumers more specifically minorities were affected by Citibank deceptive business practice of lowering consumer credit scores to prevent fraudulent activities and disclose what federal and state laws gave Citibank the right to conduct business in this manner. I also requesting CFPB to enact of enforce laws that prevents this type of abusive practice targeting minorities consumer and fine Citibank and provide financial relief to all partied affected by Citibank deceptive lending 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 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
on XX/XX/2019, my XXXX  XXXX  XXXX  XXXX, was placed in collection with XXXX XXXX XXXX. XXXX made me a settlement offer that was unacceptable. I offered a settlement of {$750.00}. ( check # XXXX for {$500.00} and check # XXXX for {$250.00} ) in the memo field of both checks, a notation, " PAID IN FULL " was written. 
this debt is still reflected as open on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I disputed the below referenced accounts on XX/XX/2022. The credit report of XX/XX/2022 and your report shows results these items was deleted from the credit file. Now I notice these items have been reinserted on my credit report. 

XXXX XXXX XXXX In accordance with the requirements of the Fair Credit Reporting Act, FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a business reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( 1 ) A statement that the disputed information has been reinserted ; ( 2 ) The business name and address of any furnished of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( 3 ) A notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.

Please be advised that this is my LAST and FINAL WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under FCRA Section 616 and FCRA Section 617 regarding your continued willful and negligent noncompliance.

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