BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: TN
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 was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report.

Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX there is some inaccurate information reporting. 
Chapter XXXX Bankruptcy XXXX XXXX : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: OH
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 XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXXXXXX  ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/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 XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Constar Financial Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got into a car accident and the vehicle was totalled and the insurance company deemed a total loss and notified me that there is a lien still on the title and that constar financial services a debt collector who I have no knowledge off is saying that there is a XXXX dollar lien on the vehicle and there is in fact no lien on the vehicle. I don't know who these people are and will be disputing this debt for false and misleading representation. I have no idea who this company is never heard of them a day in my life but claiming they have a lien on my vehicle that I have sole interest in violation of multiple sections of USC 15 1692 and the fair credit practices act of 1977. I do not recognize this debt and would like them to cease and desist all forms of trying to collect this debt and make that be known over all platforms and credit reporting agencies they are in direct violation and can be sued for monetary damages. For fraudulently trying to collect a debt that was never there's or did I ever agree to or sign a contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
all the big companys got nationwide listed differant i just want them to show same info

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 2023-03-01
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Victoria Secret is reporting a charged off account on my credit reports that I have been disputing with them. I requested documents from them pertaining to this account and have not received or heard anything back from them and it has been well over 30 days. Per the consumer laws, it is my right as a consumer to dispute and address any creditor reporting inaccurate accounts or information on my credit report and it is their responsibility to acknowledge my dispute and conduct a proper investigation into the dispute. Victoria Secret is in clear violation of my rights and I am requesting that this account is deleted from my credit reports now!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
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:
After gaining access my consumer report for review, I noticed some unauthorized information on my consumer report that I needed to be removed under 15 USC 1681-3.Transunion assumed this role w/out my express permission or consent. XXXX did not respect my right to privacy under 15 USC 1681 -4 and they neglected to exercise their grave responsibility. They had no permissible purpose to tamper w/ my consumer reports. They have added fraudulent information that have absolutely nothing to do with me... EVER! I disputed multiple addresses that I never associated with and inquiries that I did not recognize. At this point, they have neglected the duties ( 15 USC 1681 -4 ) that they assumed in publishing inaccurate and unverifiable information after they were notified of the disputes. 

The following was all removed from XXXX and I expect the same resolve. 

The ONLY current & identifying information should read XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All other variances need to be removed The following accounts XXXX  XXXX - Acct # XXXX Bal {$950.00} - Has been removed by XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Bal {$1900.00} - Removed by XXXX XXXX XXXX - Acct # XXXX -Bal $ XXXX Removed by XXXX XXXX XXXX - Acct # XXXX Bal- {$4800.00} - Removed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} - Removed by 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 2022-01-05
Company: Affirm 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: Account information incorrect

Complaint:
This account shows as a charge off paid account. This information is incorrect. I have contacted this company several times regarding this matter. And no one is willing to help assist me in correcting the information. 

It is listed as a loan which is inaccurate. It shows as a charge off which is inaccurate. It states that this account was closed on XX/XX/2021 which is also incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed all of account from Americollect to verify my debt. However instead of the agency verifying the amount owed they sent me copies of my medical records. I did not sign a HIPAA release for them to even have access yo my records this has violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: EQUIFAX, INC.
State: WA
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:
XXXX decided to run hard inquiries on my credit report for 3 consecutive days, totaling close to 17 hard inquiry hits on my report, causing my report to decline drastically. By almost a 100 points. I never gave them written permission to run my report. I only gave them written permission to run my credit one time through the XXXX Website that I already had 5.9 % financing through. Then I bought the car for XXXX $ US dollars, and 8 months later they claim it is only worth XXXX $ even though the car was brand new under factory warranty. Which they don't warranty nothing. They are price fixing, gouging, and currently breaking Anti-trust Federal Regulations. I will be suing them in court to have this removed from my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Netspend Corporation
State: CO
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I disputed {$300.00} that was charged to my card on XX/XX/XXXX by a hotel 2 days AFTER I had checked out. I contacted the hotel and no response. When filing the dispute with Netspend I included a receipt showing proof I had rented a hotel room on XX/XX/XXXX at a different hotel, 2 days prior to when the charge was made without my consent. I also included a letter given to me by the hotel that fraudulently charged my card XXXX on XX/XX/XXXX, asking that I vacate the hotel by XX/XX/XXXX. I provided documentation clearly showing I had vacated that hotel 2 days prior to when the charge was made without my permission. I was treated very rudely when inquiring about the provisional credit due to my complaints regarding customer service/lack there of. I received the credit within 10 days. XX/XX/XXXX after finding in favor of the hotel the XXXX credit was reversed and taken back from my account. After viewing the documentation provided by the Hotel to Netspend it became clear that Netspend was grossly negligent in their investigation considering the documentation not only said I paid in cash, but that I was to checkout in XXXX. Then included a receipt I signed in XXXX, dated XXXX. Absolutely nothing was provided to justify the XXXX charge. Where I on the other hand provided clear documentation proving I had vacated that hotel and paid for another hotel 2 days prior to when the charge was made. Netspend also waited from XX/XX/XXXX when I disputed to the end of XXXX to close the investigation despite the fact they received the documentation from the hotel the following week of my dispute, with no further information or investigation. Why Netspend chose to allow this hotel to steal my money and disregard the documentation I provided, to find in favor of the hotel due to documentation they provided, that clearly held no information to show justification for the charge. Netspend has refused to give any further attention to the theft and any fair resolution on my behalf as a customer 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
Consumer complaint received 2023-03-15
Company: HYUNDAI CAPITAL AMERICA
State: OH
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:
In XX/XX/2022, I obtained a loan from my bank to buy my leased vehicle at the end of the lease. The lease was formerly financed through Hyundai Motor Finance. On XX/XX/2022, my bank completed the purchase of the vehicle. The paperwork sent to Hyundai included a POA assigning my bank the right to take title so they could record the title and perfect a lien for securing the loan. The final pay off amount for the vehicle was {$24000.00}. As required by Hyundai the final payment amount to Hyundai also included sales tax. Total payments made to Hyundai in certified checks were {$27000.00}. 

Hyundai has not requested the issuance of new title and has for the past 5 months and despited repeated calls- well over a dozen - from me and my bank representatives, Hyundai has repeatedly lied to me and my lender about issuance of title. The state title division has confirmed that no request for new title has been made by Hyundai or any other entity. Title is still listing Hyundai as owner. In addition, Hyundai Motor Finance had fraudulently retained the amounts paid for sales tax and has not paid the sales tax as require by law. My bank has stated I may be considered in default on my loan even though all payments have been made and will continue to be made. I am not able to register the vehicle.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting 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 non-monetary relief
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: MD
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 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
US DEPT ED XXXX Balance Owed : {$7900.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: BCI FINANCIAL GROUP, INC.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I signed up for an online Money Market Account with XXXX  and XX/XX/XXXX and sent an initial ACH deposit to open the account. The funds were taken out of my account on XXXX XXXX and I have still not received any communication from the bank on how to access my account. I have sent numerous emails without a response, I have waited on hold for over an hour on the phone to be told it is taking them a long time to setup accounts. They have now had my funds for 5 business days, 7 days total and I do not have access to them. Their own funds disclosure terms say I should have access to my funds within a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I was recently applying for a wells Fargo checking account and when finishing the application it was not going through. I called and they mentioned an account being open with my name that I have no knowledge of

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 2022-07-20
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I entered into a consumer credit transaction on XX/XX/22 with Navy Federal and they failed to disclose my right to rescind under the Truth In Lending Act. The following attachment is all that they provided me with and I sent them a letter making them aware of the violations which is also attached. 

Pursuant to 15 USC 1635 ( a ), in the case of any consumer credit transaction in which a security interest is or will be retained, the obligor is both authorized and required to have the right to rescind the transaction. They are also required to provide those forms so that I can exercise that right. They have not.

Navy Federal can not try and deny that they don't have this responsibility because they are required to adhere to the Truth In Lending requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I wrote a letter to this company dated XXXX XXXX, XXXX. I have requested validation of account numbers XXXX and XXXX. The fact that this a collection account impacts my credit file. This is included in bankruptcy. This company removed account number XXXX and did not remove account XXXX. This violates FCRA and the bankruptcy law. They also violated FCRA and FDCPA by not sending me validation documents I requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: SUN LOAN COMPANY INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sun Loan Company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX reports to XXXX and XXXX. They have different information on each bureau. 

I originally tried to dispute the issues with each bureau and each claim to have verified the information. 

XXXX has the status as " Closed '' as of XX/XX/23. XXXX has the status as " 90 days late '' as of XX/XX/23. 
I have tried to correct this issue with both and then got my credit report to verify. No changes were apparent. 
A copy of each report is included here. At least one is in correct and I believe both to be erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
One Company is called XXXX XXXX XXXX XXXX XXXX and the other is called XXXX  XXXX. XXXX They use various numbers XXXX XXXX XXXX, MA, XXXX XXXX XXXX, MA, XXXX XXXX XXXX, MA, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, MA , XXXX XXXX XXXX, MA, XXXX XXXX XXXX XXXX, MA, XXXX XXXX XXXXl XXXX, XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX, MA. This has been going on for about 3yrs. They say they represent Citibank, they do not. I have spoken with Citibank and there is no account under my name any longer and they are not affiliated with either of these companies.

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 2017-06-28
Company: JPMORGAN CHASE & CO.
State: OH
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 received three overdraft fees, {$34.00} each, amounting to {$100.00}. This was caused by three online payments of {$11.00}, {$11.00}, and {$23.00} going through. This caused the account to overdraft {$27.00}. <P/>I know I am supposed to get money in before XXXX to make sure my account is funded, but I was not able to do that until about XXXX when I deposited {$28.00} to cover. <P/>This morning I woke up to the three overdraft charges. I could understand one, or even two, but the way the bank submitted the payments, they charged as much as they possibly could, almost 4 times the amount of the overdraft. This is not right. <P/>I contacted the bank but although they say, '' your satisfaction continues to be our topmost priority '' they would not waive even one of the fees. <P/>I had this experience before and requested that they review their policy. I do n't believe they should be able to charge more than the amount of the overdraft. What they are doing is so wrong and really hurts people who do n't have a lot of money to spare. <P/>I contacted the CFPB previously about this and you forwarded my concern. I am hoping contacting you again will make them reconsider their policy.

Company response to consumer: Closed with explanation