BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: COMMERCE BANK
State: OH
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:
I had applied for a Commerce Bank MasterCard ( XXXX XXXX MasterCard ) and my XXXX credit was pulled and I was instantly approved for {$4000.00}. I was sent 2 emails advising I was approved and my account card is on the way. On XX/XX/23 I recieved the card in the mail. I tried to set up online banking as was not able. I called customer service and was told my card was closed on XX/XX/23 without any explanation. I AM DEMANDING THAT THIS ACCOUNT DO NOT APPEAR ON MY CREDIT REPORT, I DEMAND THAT THIS INQUIRY IS REMOVED FROM MY CREDIT REPORT. HOW CAN YOU APPROVE MY ACCOUNT, OPEN IT, THEN CLOSE IT WHILE THE CARD IS IN TRANSIT. I WILL FILE A LAWSUIT IF DEMANDS ARE NOT MET.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file is listed on my credit report as XXXX XXXX XXXX XXXX XXXX Balance : {$220.00}.

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 non-monetary relief
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, my name is XXXX XXXX. I am sending this information to get the following accounts removed from my credit report. I am a victim of identity theft. I did not make these charges on these accounts. They are being reported inaccurately on my credit reports. It is stopping me from buying a home for my family. Please help me to remove these account immediately, I do not know what else to do. I have asked the credit Bureaus to remove the accounts and they have not helped.

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 2022-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One XXXX XXXX {$500.00} transfered into an installment loan against my wishes misunderstood by representative causing harm to my credit and created damages and difficulties

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: WHEELS FINANCIAL GROUP, LLC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/2023 {$2300.00} title loan was taking out Im currently living in the state of Louisiana this company is charging me 97.8 % of interest which is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions 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:
Please refer to previous CFPB report number XXXX letter attached. I contacted the Credit bureau Experian to advised that my report was inaccurateXXXX XXXX shows charge-off effective as of XX/XX/XXXX this account was opened in XXXX and charged off on XX/XX/XXXX as reflected in their response in this letter. All bureaus were notified along with CFPB however inaccurate information is currently being reported.

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 2023-07-07
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged fraudulently for a phone I did not receive from XXXX XXXX XXXX and insurance for the phone I did not receive. I am still using my XXXX phone to this day because I was fraudulently charged by XXXX XXXX XXXX and did not receive a phone. I filed fraud charges with U.S. Bank and initially my money was returned. I opened an account with a different bank until this was resolved. The charges for the phone insurance continued to be taken out of my account even though I had reported the fraudulent charges and my card had been deactivated. The money that the bank initially returned to me was taken back out of my account and multiple overdraft fees were charged because of these fraudulent charges. I went to my local U.S. Bank branch and they told me they could not help and that I needed to call U.S. Bank customer service. I called U.S. Bank customer service line and they said that the money was taken back out of the account because it was not fraud but a dispute. I called the U.S. Bank dispute representative and she said there was nothing she could do because the account was closed but if I wanted to pay off the account charges she could reopen the account to start a dispute. U.S. Bank will not give me access to my banking statements because the account is closed. Even though this account is supposedly closed, money from refunds have mistakenly gone to this account and U.S. Bank has taken more of my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-17
Company: NAVY FEDERAL CREDIT UNION
State: NV
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:
Navy Federal put in my account {$500.00} that was a dispute in XX/XX/2022 and then on XX/XX/2022 then decided to denial the fraud credit and put it on my account without any notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 Transunion and XXXX are not complying with regulations based on my request that have been sent in with inaccurate information on XX/XX/2023 and the third request of validation that was sent in on XX/XX/2023 certified and i still have no letters from them stating anything has been investigated or 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 2020-12-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, and which are all in default, should make it obvious that these accounts are not mine and never were. Please remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 submitting this CFPB Complaint to let you know that upon obtaining a copy of my updated Credit Report, you have failed to comply with my previous request and you continued reporting the disputed items as if they have been verified. I requested that you remove the disputed accounts and information that resulted due to my identity being stolen in accordance with the Fair Credit Reportin Act section 605b. However, I see here that you are still repoting the disputed accounts like they were accurate and yet you have not sent me any documents to support your claims. Please comply with the Federal law and have the disputed items removed from my Credit File 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you believe that the disputed items belong to me, I request you to please send me any documents you found proving that the disputed items are legally mine. If you fail to provide these documents within the time allowed by law, I expect immediate deletion of the disputed items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 NUMEROUS 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 accounts 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 : XXXX XXXX XXXX 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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 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 investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-09
Company: EQUIFAX, INC.
State: SC
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 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$280.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX ( XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXXXXXX : {$770.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX  OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; OXXXX XXXX XXXX ( Original Creditor : XXXX XXXX FL XXXX XXXX ) XXXX XXXX XXXX {$440.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-12-30
Company: Suttell, Hammer & White, P.S
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:
XXXX XXXX XXXX that was open XX/XX/2016 on my credit report that is not mines. It was sold to Suttell & Hammer, PS. I do not have a contract with them, I never signed a contract with them, I never did any business with them and I do not owe these companys. I have filed a police report, provided them with the police report and they removed it from my XXXX report and placed it back on. 

XXXX reached out to me by mail and I submitted all documentation that they requested. To show this account is Identity Theft and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Care Credit Card. Ill be paying these card religiously since become open. 
Still the account does not go down. 
{$2400.00} dollars card, paid {$800.00} already, card still the same amount. I contacted Customer Service, I spoke with Supervisor XXXX ID # XXXX and she threat me 4 times to hang up the call, when I wasnt using any profanity. Because I work Customer Service myself, so I know how to conduct myself. I asked how many late fees I had because I really dont know by XXXX the due date, because they never sent me text alerts, which I chose for, and she said one in XXXX.. I asked can you waive that charge? As one time customer service..She asked me why? I work Customer Service.. I know how this work. I told her because I forgot to pay, I dont have clear the dates.. 
and she told me : you knew. She can not tell me that I knew because she did not know what I remember or what I forgot. I asked for another supervisor, no was available, I ended up hanging.I always pay late because I dont have an alert for this, they charge me apparently just one time, of course if they are ripping me off with the interest. {$50.00} dollars monthly like I owe {$5000.00} dollars, not even my XXXX XXXX loan.

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 2023-07-25
Company: Harley Davidson Financial Services Inc
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
First the bank approved the loan. Then they changed their mind after me and the dealer already autographed the bill of sale and I autographed the contract. 

Aside from the securities theft ( the bank still has my original security and collateral agreement ) and credit card fraud ( they ran my credit but didn't provide any value in return ), I want to focus on the Breach of Contract. Because I instructed the bank, 3 times, to perform their fiduciary duties, and they did not perform. 

I'll attach a more detailed description as a PDF because the formatting here gets turned into one huge paragraph. 

Also, I'll attach a copy of all the letters I sent. Please note, for each letter, I sent a copy to two different addresses, because the number I called gave me an address in XXXX, NV. But I also found a different headquarters address in XXXX. Anything you see here was sent to BOTH addresses, regardless of which one 's listed in the letterhead.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery has been attempting to collect a debt from me that I DO NOT OWE! I have provided proof from the original creditor, XXXX  XXXX, that this debt is FRAUDULENT, and in fact DOES NOT BELONG TO ME.

Company response to consumer: Closed with non-monetary relief