BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-08-29
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
To whom it may concern : In XXXX, XXXX, I leased a XXXX XXXX XXXX from XXXX dealership in XXXX, Montana and financed by US Bank. The vehicle was involved in an accident in XX/XX/XXXX. My insurance company XXXX declared the vehicle totaled and took possession of the vehicle. Since XX/XX/XXXX, XXXX had made numerous attempts for the US Bank to provide them the vehicle Title so that they can settle the claim to no avail. 
In XX/XX/XXXX, 6 months after the accident, I wrote the US Bank a letter stating that I won't be able to make further monthly lease payments of the vehicle I am not using. The Bank didnt acknowledge the receipt of my letter, instead they reported to the credit bureau that I owe them {$5600.00}. My Fico score dropped from XXXX to XXXX. When I called the Bank regarding this latest action, they told me that I MUST continue to pay my monthly lease until the issue is resolved. Hence, I resumed the lease payment to avoid further damage to my credit. 
I have called the US Bank loan department more than 20 times on this issue since XXXX, XXXX and the Bank is still unable to resolve this issue.

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 2023-01-21
Company: Experian Information Solutions Inc.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
We applied for a car loan with XXXX XXXX XXXX XXXX in XXXX XXXX XXXX and found fraudelent activity on our experian credit report regarding XXXX for {$4200.00}. We went online to experian and online they told us to file a complaint online which we did. I got a copy of my credit report and it had a partial number so I called XXXX ( which we have our cell phones with XXXX but are current and have never had a problem ), I called XXXX and explained our situation and spent 3 hours on the phone with several different associates, including their fraud department. Thru my social security number they have no outstanding anything, only show our cell phone service. They told us to call back experian and get a full account number not a partial that is on my experian credit report. We have tried and tried multiple times to call experian and we can not get thru to a customer service agent. We need actual full account numbers to call XXXX. It says on a recording that you have to file a a dispute online, ( which we did ) and that we are unable to speak to a customer service agent. It says to call the number on the credit dispute which we did but it still takes you to their main number and will not let you speak to anyone. We got a letter that XXXX investigated and will be reporting to experian until XX/XX/XXXX. We filed an additional claim, and we just got another dispute result from experian and now there is another claim from XXXX for XXXX XXXX XXXX which I have never had in the amount of {$1900.00}. 
We need to speak with customer service at experian and get the full account numbers and to dispute this fraud. I put a fraud alert and block on my experian account so nobody could add anything additional in my name without my permission which how could this XXXX be added.

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 2023-05-24
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I tried calling all 3 reporting agencies to get those inquiries removed but was unsuccessful. At one point I had almost 30 inquiries just in a months time. But I managed to get many removed. I never knew so many inquiries would damage a person 's credit so badly. This problem has drained so much energy from me, that I just can't handle by myself anymore. Thus deminishing my credit score. According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission. According to 15 USC 1681 I HAVE THE RIGHT OF PRIVACY.

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 2022-11-12
Company: EQUIFAX, INC.
State: MO
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 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 alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$230.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I deposit a check through mobile deposit online it clear on XX/XX/23 and I have a available balance so I have 3 account at capital one savings account 2 checking account every month since XXXX money grow interest ever months since XXXX until today

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: EQUIFAX, INC.
State: GA
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:
***SEE ATTACHED PDF FOR FULL COMPLAINT*** ***DO NOT IGNORE OR MARK THIS COMPLAINT AS FRIVOLOUS*** CC : Georgia Attorney General, CC : Consumer Financial Protection Bureau , CC : Federal Trade Commission, CC : XXXX XXXX  XXXX. Equifax, You have caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. You have also caused me severe stress, which has caused me to go seek medical attention due to your inaccurate reporting & failure to properly verify. I have no other option but to seek legal remedy to help repair the damage you have done both mentally, physically, financially, and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, 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'm not sure the dates I thought I froze all accounts but now my log in information is changed I have had trouble sighing into XXXX as well my XXXX XXXX has my social security card and old licences I can't log in to any of my information to fix or monitor it it's a nightmare and I don't know what to do my name is XXXX XXXX XXXX XXXX hidden XXXX XXXX XXXX XXXX XXXXXXXX XXXX ss # - XXXX XXXX XXXX birthday XX/XX/1987 I didn't realize this was happening until I didn't get my taxes and someone already applied for financhial aid and had a profile like an account when I never made 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 2021-08-29
Company: AR Resources, Inc. (FL)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 Ar Resources put a derogatory mark on my credit reports for {$970.00}. Ar Resources didn't send anything to prove ownership. How can you say that you verified this account when I haven't even heard back from the collection agency?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 not received any proof of owing this company and they have not completed their investigation. I have requested information numerous times over a course of months to no avail.

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 2023-01-21
Company: Experian Information Solutions Inc.
State: NV
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting multiple fraudulent accounts without right. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX acts of creating credit is not authorized by the constitution and laws of the United States, is unconstitutional and void, and is not a lawful consideration in the eyes of law to support anything or upon which any lawful rights can be built. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reporting these accounts to my Credit file with the intent to swindle me into paying a note that is void is a violation 18 U.S.C 894 for attempting to coerce me to pay an alleged debt not owed is extortion and blackmailXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX did not give me lawful consideration only God can create something of value from nothing. I now demand said persons to cease and desist from all communication including credit reporting agencies.

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 2022-09-13
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
On XX/XX/2022 I gave written instruction and what to include and what not to include on my consumer report. This elaborate mechanism does not have permissible purpose and I did not give consent to furnish to furnish this information on my consume report. As a federally protected consumer my rights are still being violated. If my written instructions are not followed I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I've been trying to get in touch with ANYONE from Cash App ( Square ) regarding them closing my account without any noticed with {$2100.00} in it and have been giving me the run around for WEEKS. This whole thing started XX/XX/19 It is now after the XXXX and my rent money is stuck in this cash app account! I have attempted to contact them over 20 times all together via the app support, email, and twitter support page over the last few weeks & have been given a generic response or someone from XXXX saying they will handle is as soon as possible and then never responding again. I gave all the information they requested and now they are completely ghosting me. I reached out to their support on XXXX, explained everything and the response was " We're sorry that you're experiencing confusing regarding the decision to deactivate your account. Once your Cash App account has been deactivated, we aren't able to reinstate it. Any future attempts to create an account may result in deactivation as well. We know this can be quite frustrating! Unfortunately we can't share account specific information on XXXX. To gain some clarification, please review our TOS : squareup.comXXXX  '' I responded back letting them know I was not attempting to open the account back up but I AT LEAST need to get my {$2100.00} out of my account! Radio silence ever since! I don't know what to do anymore. I am not going to be able to pay my rent this month without my money and I have no other way or getting in touch with anyone! SOMEONE PLEASE HELP ME I'M BEGGING YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I went to an ATM in XXXX XXXX XXXX XXXX, XXXX to withdraw money using ATM/debit card. I received my money, and a card was returned to me, which I placed in my wallet, and did not use again. On XX/XX/XXXX, I received a text from Bank of America ( BoA ) asking if I had made a certain purchase. I replied that I had not. I then looked in my wallet for my ATM/debit card, and discovered the card I had received back was not mine. I then went online and reported my card missing. The BoA fraud department contacted me the next day, and told me my card had been used over the past several days to make thousands of dollars in purchases. The amount of fraudulent purchases totaled {$5000.00}. BoA told me it would start an investigation. 

On XX/XX/XXXX, I received a letter from BoA stating it had credited my account {$3600.00} while it researched my claim ( Claim Number XXXX ). I simultaneously received a second letter stating that BoA had completed its research and closed the claim. The letter stated Our records show the transaction activity in question was authorized and posted correctly to your account. BoA debited the {$3600.00} credit from my account on XX/XX/XXXX. 

On XX/XX/XXXX, I called BoA to protest the clearly erroneous decision. I was told that it would escalate my claim and would take 45 to 90 days to reach a decision. BoA has refused to provisionally credit my account and provide me full use of the funds, as is required by Regulation E. Furthermore, BoAs decision that the transaction activity in question was authorized is clearly wrong, inasmuch as the transactions in questions all occurred after my card had been stolen. BoA failed in its obligation to monitor my account for fraudulent activity. The person who stole my card purchased $ {$2100.00} worth of sunglasses from several XXXX XXXX on XX/XX/XXXX, and XXXX, clearly suspicious activity that should have prompted BoA to contact me and inquire if I had made those purchases. In addition, BoA should have realized that it is extremely rare that I ever use my ATM/debit card to make purchases. 

Pursuant to Regulation E, because I reported my card stolen within a few hours of learning that fact, I should be liable for no more than {$50.00}. In addition, because VISA has a zero liability policy, pursuant to Regulation E, I should have no liability.

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 2021-09-17
Company: EQUIFAX, INC.
State: AL
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:
Paid a debt to XXXX XXXX for XXXX for hospital bill from XXXX XXXX and the debt has yet to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: CIG FINANCIAL LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am going on my 5th or 6th complaint which before I get into this I just wanted to be known up front that this is my official letter to their management letting them know that I will be taking them to court and I will be pursuing monetary winnings along with lawyer fees and court costs. I think it's quite ridiculous that I pay off an entire loan almost XXXX and you want to try to cheat me on the last XXXXXXXX XXXX XXXXXXXX or {$60.00} whatever it is. It's pretty pathetic if I'm honest and petty especially when I'm so sure and when the actual record reflects as such. Same as my bank account same as everything else except for somebody there for whatever reason doesn't want it that way. I actually just paid off my loan last week I owed {$1.00} on it and I paid it off I have yet to receive even an email or message or anything about me getting my title and I actually wrote you guys an email immediately letting you know I paid everything off and I never got a response. I'm going to take this as blatantly ignoring me and what I said and essentially you're just holding my documents hostage. 
Well lucky for me and unlucky for you I just so happened to locate the text message I received when I made that payment that you guys happen to be missing the numbers on.. And the absolutely hilarious thing is the same thing I've said since the absolute day number one that you guys are so arrogantly denying and have so arrogantly closed out as if you knew any better well here you go it's funny that there is a {$1.00} difference between the amount I paid and the amount that was owed This is an open and closed case. Stop messing with my credit stop doing illegal things and give me my title immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Comerica
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My social security check was stolen by someone I didn't know, they stole {$1000.00} at a ATM machine I had the card with me from Direct Express

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-07
Company: Experian Information Solutions Inc.
State: NC
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'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON XX/XX/XXXX AND XX/XX/XXXX ON MY XXXX XXXX XXXX. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT FOR I HAVE BEEN A XXXX XXXX XXXX MEMBER SINCE 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