BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX is reporting inaccurate late payments on my reports that I have been disputing for quite a while now. I have sent multiple disputes to each credit bureau regarding this account because they are reporting very inconsistently. There are inconsistent late payments reporting for XXXX, XXXX and XXXX of XXXX. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. There also different last active and payment dates reporting for this account between each bureau. If each bureau receives their information from the same place, how are they all reporting very different information? It is the responsibility of the consumer reporting agencies to verify and report accurate information which they have clearly failed to do and are in violation of the law. I am requesting that these inaccurate late payments be deleted from my reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: OneMain Finance Corporation
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
OmeMain has blocked the credit bureaus from from removing this account from my credit report. This has count me many accounts. I've filed a police report and FTC report and the company OneMain has cancelled that debit. This account should be removed from credit report. I demand OneMain contact the Credit Bureaus to remove the block and delete this account from my Credit Immediately or I will take them to court to do so. 

ONEMAIN with Account number XXXX. 

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, 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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
In according with the federal credit reporting act, this crederel has violated my rights under 15usc 2681 section 602 states that I have the right to privacy. 15usc 1666 section 604 A section 2 it also states that consumers reporting agencies can not furnished an account without my written instructions.Under 15usc 1666B, a credetal may not treat a payment on a credit card account under and open and consumers credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: GA
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:
To somebody who can help me. I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. I hope you find out what's going on to and who the inaccurate information belongs to. Can you all clear this up quick. It is my understanding that you will do an investigation immediately, a new credit report that reflect the updated changes should be sent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-02-28
Company: EQUIFAX, INC.
State: NY
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:
On ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2017-06-20
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a XXXX American Express Rewards Card. I stopped using it. The program for XXXX was transferred to XXXX in 2016. They called to ask if I wanted to have a XXXX BarclaysCard. I told them I did not. I did not renew. Then I started to receive a bill every month or so, with an amount due for {$40.00}. I called and told them I never accepted this card, please cancel. It kept coming. I believe I called 3 times. Recently, my credit was pulled for a home purchase. I see that my credit score had dropped XXXX points. We found out it was because of a delinquency from this {$40.00} charge from a card I never accepted. You can call the BarclaysCard Investigation Specialist for more information. 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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have pulled my report and notice there are multiple discrepencies that need to be addressed. By law my report should be 100 % accurate and there are multiple discrepencies on my credit report.. i will attatch a copy XXXX Acct # XXXX The open date is incorrect the close date is not correct the date of last activity is incorrect and the date of last activity is incorrect. 

XXXX XXXX Acct # XXXX The opened date is not correct, The date closed in incorrect, The last date of activity is incorrect, The date last verified is incorrect, The Balance is incorrect XXXX  Acct XXXX The date of last activity is incorrect, The open date is incorrect, Date of last payment incorrect Previous Address XXXX XXXX XXXX XXXX XXXX, OH 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 2022-12-01
Company: EQUIFAX, INC.
State: IN
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have two credit card accounts with Bank of America.

I had paid off one early and requested the bank to transfer the payments from the paid-off account to the account with an active balance.

Bank of America failed to do this ; instead, they misapplied the payment of the balance-maintaining account, failed to correct it, and misreported that I had missed a payment or two when in fact I have made regular and timely payments via ACH from an external bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 to contact creditors 6 months ago and no response. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2019-04-27
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened XXXX checking and saving account on XX/XX/XXXX under the promotion of {$400.00} sign on bonus with USD XXXX deposit on combined checking and saving account. 
I met the requirement on XX/XX/XXXX, but still have not received the {$400.00} bonus so far. I have contacted Citi customer service multiple times : On XX/XX/XXXX, I contacted Citi customer representative XXXX, through live chat, he confirmed that I met the sign on bonus requirement on XX/XX/XXXX, and I should receive the bonus 90 days after that. Attached please see my chat history with XXXX On XX/XX/XXXX, I still didnt receive the bonus, I contacted Citi customer service again by phone, was told that the bonus has been entered into the system, and I should receive the bonus in two month on XX/XX/XXXX I still have not received sign on bonus until now.

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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XX/XX/XXXX XXXX  my husband and I moved to XXXX from XXXX I registered my XXXX XXXX ( leased from Kia Finance America ( KFA ) ) and paid all taxes and fees including the {$250.00} Highway Use Tax. 

In XX/XX/ KFA began charging me {$28.00} per month to reimburse them for XXXX Sales Tax. I have called multiple times and written numerous letters explaining that XXXX  Sales Tax is called a Highway Use Tax ( HUT ) and is limited to {$250.00} for vehicles being relocated to XXXX  from another state ( see attached document from the XXXX DMV website ). This has been verified through conversations and emails with XXXX DMV ( attached ). 

To date they have insisted that I owe them the tax but XXXX DOT has no evidence of any tax being paid to them on my car nor do they show any tax owed. In fact, they have confirmed that no taxes are owed until I renew the registration next month. 

I feel like Kia is collecting this 'tax ' to keep for their own profit and assume since they call it a tax people will not question it.

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 2019-04-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I recieved the email below from wells fargo on XX/XX/2019. I followed up with their teams for the last 3 days asking what the at risk event was. They have refused to disclose it. They went as far to tell me to call visa. Visa informed me that Wells Fargo has the information. I attempted to speak to a manager today. After 2 hours of wating they hung up. If there was a potential privacy breach I have a right to know the nature and details of that breach We have shipped your new Wells Fargo Debit Card ending in XXXX-XXXX-XXXX- We sent you a replacement card as a precautionary measure because your current Wells Fargo Debit Card may be at risk for unauthorized transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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  ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACCOUNT. ACCOUNT CLOSED XX/XX/XXXX AMOUNT XXXX ACTIONS TAKEN BY COMPANY. PUT IT ON MY CREDIT REPORT AS A CHARGE OFF. 

XXXX XXXX ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX THIS NOT MY ACCOUNT. ACCOUNT CLOSED XX/XX/XXXX AMOUNT XXXX ACTIONS TAKEN BY COMPANY PUT IT ON MY CREDIT REPORT AS A CHARGE OFF/ COLLECTION XXXX XXXX ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACCOUNT. ACCOUNT CLOSED XX/XX/XXXX AMOUNT XXXXACTIONS TAKEN BY COMPANY CHARGE OFF/ COLLECTION

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 2023-03-01
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: DISCOVER BANK
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This notice is to inform you that Discover Financial Services is unlawfully reporting a Charged-off item on my Consumer Report. The IRS states that for amounts of {$600.00} or more, the Creditor must issue a 1099C ( which is a cancellation of debt ) and which the consumer must file with their tax return as earned income. Said 1099C was issued by Discover Financial Svcs to me and I filed it with my tax returns as earned income. 

Income is not reported on Consumer Reports. So I do not see why this item is still being reported on my Consumer Report when it was already reported as income on my Tax Return and I paid on it. It can not be both ways ... .it 's either a Charge-off or " Taxable Income '' According to FCRA, anything that is incorrect must be deleted from my Consumer Report. The Fair Credit Reporting Act of 1970 requires reporting agencies or creditors to follow reasonable procedures to assure maximum possible accuracy of consumer reports, 15 U.S.C. section 1681 e ( b ), and imposes liability on [ a ] ny person who willfully fails to comply with any requirement [ of the Act ] with respect to any individual, section 1681n ( a ). I spoke with an Account Manager this morning and asked for the item to be removed and she refused. 

I am requesting that Discover Financial Svcs initiates the deletion of the erroneous item from my Consumer file with all credit reporting agencies such as XXXX, XXXX, XXXX and any other credit reporting agencies. 

Thank you for your immediate attention to this important request. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, PA XXXX XXXX : XXXX SS : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief