BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-07-13
Company: TRANSWORLD SYSTEMS INC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2019 I attempted to dispute a debt for XXXX XXXX and for XXXX XXXX  for services we believe are in Texas. I live in Kansas.I am a victim of ID Theft and this is not my debt. I sent a complete packet including police report, id theft affidavit, proof of address, identification all in another state. The debt collector XXXX and XXXX XXXX continually has responded to the dispute validating the debt. This debt is not ours and they keep telling us to call back with no resolution. This debt appears to be in the process of being sold again. 

They confirmed they have copies of all documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: MI
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 contacted Equifax five ( 5 ) times on XX/XX/2023. I requested information on how they calculate utilization and how many of my accounts are involved in the calculation. 

The multiple representatives I spoke to on XX/XX/2023, could not give me an answer, and they did not know Equifax 's definition of utilization. 

Based on 15 USC 1681a 2 ( A ) ( i ) -- EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any -- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My goal with speaking to the representatives at Equifax was to understand how this metric was calculated. 

Utilization is an experience I perform with using my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I emailed XXXX, XXXX XXXX requesting her to close my checking account application. Now I have negative balance {$4.00} and my account still isn't closed. I want my account fully closed. The account rep was very deceptive and I didn't think USBANK operatives this way. I always heard great things about USBANK

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 2022-08-12
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a claim with Truist over a fake/forged document that was used in a loan I was offered. The XXXX XXXX crook posed as someone from XXXX XXXX and deposited a fake cashiers check into my account for {$990.00}. Well, the XXXX XXXX at the bank would not at first even open a case when I reported this to them as fraudulent because they said it was " pending '' and needed to post to the account. After I raised more XXXX I got a case opened but then got charged an overdraft fee for something I reported as fraudulent! I can't the the XXXX at the XXXX bank to refund the overdraft fee ( s ) nor do a proper investigation into the matter. Before I could even return the affidavit I was sent they closed the case! I did get a letter from them confirming the cashiers check that was deposited was a fake - XXXX XXXXXXXX! I hate dealing with hard headed XXXX  XXXX people who do not give a XXXX about their customers when the customers are a victim of fraud. The case was closed on the basis of the transaction being authorized ; again, XXXX  XXXX! Of course I authorized it but I did not authorize getting XXXX  in the process!!

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 2019-03-25
Company: Experian Information Solutions Inc.
State: TN
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:
Recently I reviewed my credit reports and saw there was fraudulent accounts and inquiries all of which I never opened nor gave permission. After submitting a dispute through the major CRA 's about this situation where these accountthat are not mine and they opened an incident ticket for me. They informed me that they needed an FTC Identity Theft report which I then submitted to them. But upon checking my reports and credit history, the accounts identified remain on the reports negatively impacting my financial profile.

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 2023-05-12
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After reviewing my credit file I found several accounts I never authorized. I sent a request for proof of documentation the Bureaus must have on file under fcra sec 609, requiring proof of contract bearing signature used to validate ownership. They have refused to provide any documentation on file. The laws are in place to protect the consumer and they are not being followed. I have provided a fraud affidavit also with my dispute. below are the creditors be reported. 


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 explanation
Consumer complaint received 2018-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Submitted a validity of debt to the company ( Capitol one ) no response in mid XXXX XXXX no reply. Submitted another letter no reply. No reply to even find out about the debt and possibility of settling it since it 's charged off and closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
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: Old information reappears or never goes away

Complaint:
For more than two years, I have tried to get details about my credit files, many of which were wrong or mysterious ; and I had paid for the monitoring plans for each of the big three, Equifax, XXXX  and XXXX. Despite that, and having also paid a legal debt correction service ( XXXX? ) for about 10 months with less than satisfactory results ; and also my Legal Shield law firm, which sent letters to the creditors that refused to supply verification and source of debt details ; and also wrote each of the three reporting services seeking removal of erroneous, old and paid off accounts ; I see that many of these remain, even some XXXX XXXX XXXX ; and lately, a company with which I have a dispute over services and its contention I owe them for early termination ( XXXX XXXX XXXX XXXX ), I now have yet another mark on my credit report. I can not get any results! And it is hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUITY LOANS LLC
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Email sent to Equity Prime Mortgage XXXX XXXX XXXX. 

Good afternoon, I am following up on my Escrow refund check originally sent to me on XXXX XX/XX/2023, and resent XXXX XX/XX/2023, with the same check number listed below. As of today, XXXX XXXX XXXX  I have not yet received my check. 

Loan Number XXXX Check # XXXX {$890.00} 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 explanation
Consumer complaint received 2023-07-11
Company: General Motors Financial Company, Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello, I have an auto load with GM Financial. I found out today that I am 30 days past due on a payment that was due in XXXX ( XX/XX/XXXX ). When I made my last payment the GM website said my next payment was due XX/XX/XXXX. It misadvised me because there was really a payment that was due XX/XX/XXXX that hadn't been made yet. I logged in today thinking I was 1 day late and I was really 30 days late. 

I called the company and pointed out that their website showed that my next payment was due in XXXX and not XXXX. They admitted that the information was wrong on the phone ( talked to XXXX XXXX on XX/XX/23 @ XXXX XXXX  ), however, they refuse to make sure it doesn't impact my credit or remove any late fee. I made the payment immediately but their website is clearly misadvising consumers and misleading them - leading to increased late payment revenue for their company. 

I attached a picture showing the misleading information. Today is XX/XX/XXXX. I thought I had a payment due XX/XX/XXXX ( 1 day late ). The website says payment is 30 days late ( would have been XXXX payment I didn't know about ) - then it says my next payment isn't until XXXX. It says NOTHING about my XXXX payment - that was due yesterday. Extremely misleading and unethical. 

Something needs to be done to stop this from happening to consumers. It is gross misrepresentation and I would argue illegal to mislead consumers like that. 

All I want is GM Financial to quit misleading customers and do the right and ethical thing when they mislead someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: CT
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, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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: 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:
I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the listed account from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
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: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I sent a letter to XXXX, Experian, and XXXX to investigate my inaccurate accounts on my credit report. It has been over 30 days, and I feel like I'm being taken advantage of, these consumer reporting agencies are in violation section 15 US code 1681i it states that failure to investigate within 30 days gives a reason to remove those items from my credit report, it has been over 30 days so they should be deleted ASAP I demand these accounts be deleted ASAP or I will be filing for litigation due to the stress this has caused me, from getting a promotion with my company. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong persons. The evidence will be attached below.

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 2020-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following accounts are not mines nor do I know the person or persons inwhom added me to these accounts as an authorized user, I'm demanding that these accounts are removed from my credit file. 

1 ) XXXX/XXXX  XXXX XXXX 2 ) 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 explanation
Consumer complaint received 2020-12-04
Company: EQUIFAX, INC.
State: FL
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED ALL LAW ENFORCEMENT AGENCIES AND MADE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax, XX/XX/XXXX and XX/XX/XXXX CRA. On XX/XX/2020, I mailed Equifax, XX/XX/XXXX and XX/XX/XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RE : CFPB XXXX XXXX : XXXX. 
Account name : XXXX XXXX, XXXX. 
Loan Number : XXXX QUESTION # 1 : Was the loan secured by real property? 
QUESTION # 2 : Who was the named insured on the title insurance policy at the time XXXX XXXX, XXXX. were the Servicer? Name of the Lender and the Trustee? 
QUESTION # 3 : Did you send the Notice of Servicing Transfer letter via FIRST CLASS MAIL? 
QUESTION # 4 : Was XXXX XXXX, XXXX. a debt collector or debt collection agency at the time it represented itself as a Servicer? 

Kindly provide an explanation as to why XXXX XXXX, XXXX. reported the account delinquent and state whether it was a principal party of the consumer credit transaction of a line of credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My divorce was just recently final and I was in a very toxic, XXXX  marriage. I had zero control of bills, emails or anything of importance. After I escaped and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The 3 credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13
Company: FC HoldCo LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested debt Validation from XXXX XXXX XXXX XXXX that represents Flagship Credit Acceptance and a debt they claim is mine. They sent me documentations that show inconsistencies with my name. My name is XXXX XXXX, but Flagship responded with my name as XXXX XXXX XXXX XXXX. That is not me or my name. I am asking Flagship to remove the derogatory account off my credit reports for all three bureau 's. I sent my request and proof that the debt does not belong to me.

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 2020-07-13
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX while cruising on the XXXX XXXX I opened a XXXX XXXX   credit account in their Gift Shop and purchased a pair of Green Amethyst earrings for {$590.00}. 

On XX/XX/XXXX, while still on the ship, I decided not to charge the earrings and requested the amount of {$590.00} be credited off the XXXX XXXX  account and charged to my Norwegian Gem Onboard Account. The transfer was completed and I paid my onboard account with one of my personal credit cards prior to leaving the ship. 

In XX/XX/XXXX, I received a statement from XXXX XXXX for a purchased on XX/XX/XXXX. The statement also noted that XXXX XXXX program was ending on XX/XX/XXXX and payments should be made to COMENITY - XXXX. 

I called customer service and explained that I did not owe the money. I sent them copies of the original receipt, the credit and the recharge to my onboard account. These documents were submitted to the Dispute Department at Comenity Bank. 

I received a letter from Comenity Bank, dated XX/XX/XXXX, stating after careful investigation, they determined that I was not responsible for paying the disputed amount and they were making an adjustment to my account. 

The total amount of {$650.00}, which consisted of {$590.00} for the earrings plus interest should have been deducted from my account leaving a zero balance. 

To my surprise, when I received the next statement, Comenity Bank had credited the interest accrued from previous statements but instead of crediting the price of the earrings they added them again in error and added interest for the current month making the amount I owe, {$1200.00}. 

I called Customer Service to point out the error and was told they would have to open a dispute. I told them I had already gone through the dispute process and they should have all the necessary documents to correct their error. 

Comenity Bank will absolutely not look into how the error occurred and continue to harass me with phone calls. I am still getting statements with interest accruing and monthly late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-14
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
sequium asset solutions is reporting ( 2 ) accounts on all three of my credit files. the collection account is fron XXXX. I took several calls from them and had to jump through hoops for them to verify. i ask them if you are calling me why should i give you my personal info so you have it. but after a couple of minutes of going back and forth i gave it to them. they told me they would remove it because I GAVE THEM MY CURRENT ACCOUNT WITH XXXX AND SIMPLY ASKED IF i owed money how would I HVE AN ACCOUNT NOW AND FOR THE LAST 10 YEARS. 
AND THEN THEY REPORTED THE TWO ACCOUNTS A FEW DAYS LATER ON XXXX, XXXX AND XXXX.XXXXPLEASE HELP ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation