BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have been employed at The XXXX XXXX  in XXXX XXXX XXXX as XXXX XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX. My previous employer was XXXX XXXX   XXXX XXXX from XXXX until XXXX. My Equifax credit report still lists XXXX as my current employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: ACIMA CREDIT, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I am in a lease instalment loan with acima credit cost of lease total of the buy out option is {$980.00}. On Saturday XX/XX/XXXX my guitar broke under normal wear and tear due to a faulty guitar that has a bad part on it. Speaking to a proffesional guitar repair company the damage is going to be a few to several hundred dollars due to having to order speacial parts to have to fix it. Section seven states i am liable for loss damage and theft only if i am negligent and they bear the burden of proof that establishing that. I called and spoked to XXXX on XXXX XXXX at XXXX XXXX. She stated that acima does not have to cover it but the warranty from the factory might. Secction 8 at the bottom does advise there could be warrantys or insurances that acima does not offer also in section 8 first sentence states they are required to maintain the property in good working conditions at no further payment cost or fees to me. i have to know pay the cost which cost just as much as the guitar and im know having to wait to pay until acima loan is up or they discharge they buy out payment and make this my problem then to pay for the guitar as stated in the contract. Under the agreement they also own the property hence why they must maintain it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
Citicards Cbna Reported XX/XX/2010 0 % Balance : {$0.00} / {$5400.00} Overview You're currently using 0 % of your account 's limit. 
Balance {$0.00} Credit limit {$5400.00} Minimum monthly payment {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
About one month ago Capital One Investing announced that all its customers ' brokerage accounts would be automatically moved to XXXX   " later this year '' without any other options offered to customers. My wife and I both had Roth IRAs with Capital One Investing and did not want our accounts moved to XXXX. We elected instead to transfer our accounts to a different Bank/Brokerage Firm more to our liking. My wife and I were both charged standard {$75.00} " Transfer Out '' Fees ( {$150.00} total ) by Capital One Investing, which was very unfair since the only reason we elected to transfer our accounts was that we didn't want them automatically moved to XXXX. Capital One Investing said the fee is a standard fee and would not issue a refund, however, it's not standard or fair to tell your customers that all accounts will be moved to XXXX   and then provide no other options for customers who are not pleased with the transition. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: IA
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: EQUIFAX, 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:
I have been submitting multiple written appeals to Equifax regarding the fraudulent information being reported on my file. The last letter I sent to them was XX/XX/2022, with complete attachments of my personal information. This Complaint is being submitted through the CFPB to inform the Credit Bureaus that I am a victim of identity theft and the items I am disputing do not relate to any transaction that I have made or authorized nor did I receive any benefits as a result of the theft of my Identity. This Complaint is to follow up on my Previous Complaint last XX/XX/2022. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The account listed below is the result of such crime and must be deleted immediately : DPT EDXXXX-DEPARTMENT OF EDUCATION/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX  XXXX XXXX reported account # XXXX to a Credit Reporting Agency without my knowledge or permission. 

In accordance with the Fair Credit Reporting Act my rights were violated. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604 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 2019-03-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was trying to close my account and well Fargo keep charging me overdraft fees twice in the amount of XXXX dollars and I paid my negative balance twice and my balance is XXXX overdrawn and I explain to the banker I paid my negative balance in the amount of XXXX and she waved the XXXX dollar overdraft fee and told me I could transfer XXXX dollars that well Fargo giving me to my propel credit card which I did and the next day I was charged the fee again on XX/XX/2019 and well Fargo is unable to waved the full XXXX feee again and offer a XXXX percent credit which I turned down because I paid the original negative balance in the amount of XXXX and Ive been asking well Fargo several times to close my account and they refused to do so

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: 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
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 writing to formally dispute and request corrections for inaccurate information on my Equifax credit report, as per the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Equifax regarding the following incorrect information on my credit report. To this date, Equifax has not responded. Below are the details of the inaccurate information and the necessary corrections : The following account is not mine : Creditor : XXXX, XXXX. 
Account Number : XXXX Open Date : XX/XX/XXXX Credit Limit : {$900.00} Action Required : Please remove this account from my credit report. 

You are reporting the XXXX XXXX XXXX XXXX account incorrectly : Date Opened : XX/XX/XXXX Balance : {$2300.00} Past Due : [ Remove this ] Action Required : Adjust the reported balance to reflect the correct amount ( lower than {$2300.00} ). 
Remove the Past Due information. 
Mark this account as disputed until the dispute is resolved with the creditor. 

The information indicated on the DIGITAL FED CREDIT UNI account is imprecise : Date Opened : XX/XX/XXXX Balance : {$680.00} Past Due : [ Remove this ] Action Required : Adjust the reported balance to reflect the correct amount ( lower than {$680.00} ). 
Remove the Past Due information. 
Mark this account as disputed until the dispute is resolved with the creditor. 

I require that you verify the account identified as XXXX  XXXX : Date Opened : XX/XX/XXXX Balance : {$6300.00} Past Due : [ Remove this ] Action Required : Verify and correct the reported balance to reflect the accurate amount. 
Remove the Past Due information. 
Mark this account as disputed while I resolve my dispute with the creditor. 
Verify the Date Opened, Date of Status, and First Reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: IQOR US INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My complaint is about Allied Interstate collecting for XXXX XXXX on a XXXX credit card. 

During a period of financial difficulties, I got behind on my small debt with XXXX through XXXX XXXX They have since started charging me a huge fee each month such that I will have difficulty ever bringing this account current even though I make a payment each month. 

Allied Interstate calls me almost every day up to sometimes 8-10 times, including on Sundays. 

I have tried to make settlement with them but since most of their people do n't speak plain English it is impossible to deal with them. Even if you call XXXXXXXX XXXX itself, you still get connected with someone who does not speak clear English. 

If they want to call one time per day I can accept that but I am sick of the Sunday calls. 

This company should be shut down for its many violations of the federal debt collection laws. 

They call me both at work and on my personal cell phone.

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 2019-08-21
Company: ALLY FINANCIAL INC.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX, XXXX XXXX XXXX, I attempted to send $XXXX   from my Ally Bank savings account using XXXX. A message popped up saying "Payment Limit Exceeded" and that to stay within my limit, I can send $XXXX  now or send the full amount as a standard delivery which can take up to 3 days. When I attempt to send funds as a standard delivery, I receive a similar error saying "Payment Limit Exceeded" and that my remaining limit is $XXXX I have been using Ally Bank for years, and I have been the XXXX to send funds within minutes from my Ally account in excess of $XXXX for over a year. I contacted the Ally bank via phone and Ally Messenger and was told "an issue with the XXXX, as we review the limits allowed. This is only a temporary issue but, unfortunately, we do not have a time frame on the fix." This is an unacceptable issue for a bank to have, to limit and hold a consumer's funds without providing notification of an ongoing issuer or a time-frame for resolution. The limit for XXXX  should be $XXXX as the Ally Bank Help Center, accessed XXXX XXXX XXXX, online at [XXXX] says:What are Ally Bank’s limits for sending or requesting XXXX   payments?Ally Bank LimitsAlly Bank Limits tableSPEED	LIMIT PER TRANSACTION	LIMIT PER DAY	LIMIT PER 30 DAYSIn Minutes	$XXXX	$XXXX	$XXXXStandard (Next-Day or 3-Day Delivery)	$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 2022-07-18
Company: FinCo Services Inc DBA Current
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A couple different problems. The first of which is that I made a ACH transfer from an external bank account to my Current Bank bank account and it is nowhere to be found. Every other bank that Ive ever had the deposit shows up the same day. Its now been several days and I have yet to see it. 

The second problem is I used my card for an authorization for a hotel, and I used a different card to pay the hotel, and even though the authorization hold was canceled, it is yet to fall off and the bank is telling me that theres nothing they can do. I know thats not true because again other banks that Ive had are able to see that the transaction is canceled and make the funds available. This bank did not care that I needed that money for another couple nights hotel stay and was sleeping in my car because I had no money. Their customer service is robotic and not personalized at all and they do not care about human beings. 

Ive also asked to speak to a supervisor several times, and Ive been denied that right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to section 609 of the Fair Credit Reporting Act ALL information that is reported to credit reporting agencies must be 100 % ACCURATE. Inaccurate and incorrect information has been reported. 
An incomplete account number is posted. 
There are missing fields of monthly data from XX/XX/XXXX, XXXX of the balance, scheduled payments, past due and remarks. 
Incorrect date of last payment differs the summary states XX/XX/XXXX, the last payment was made XX/XX/XXXX. 
Late payments fees was applied to the account after the account was closed. 

I sent a notice of dispute on XX/XX/XXXX via certified mail, company received a letter of disputed on XX/XX/XXXX, I then sent another XX/XX/XXXX asking them to delete this account off of the Credit Report for inaccurate information and failure to provide me with viable evidence bearing my signature. I still had not heard anything in response to my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 checked my updated personal credit report and I noticed unauthorized credit inquiry still remain on my personal credit report. 

I contacted Transunion credut bureau and asked to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into the below inquiry on my credit report to determine who authorized this inquiry. If, once your investigation is complete, you find my allegation to be true, please remove this inquiry and send me an updated copy of my credit report at the address listed above. 

XXXX  XX/XX/2020 If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

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 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My personal information continues to get mixed with my father whose name is XXXX XXXX, XXXX. I continuously request the bureaus to correct my personal information with no results.

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 2022-07-18
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I leased a truck from XXXX and I always paid on time. After I returned the car they claimed that I passed the mileage and they require me to pay {$8300.00} for over mileage. I contact them and ask them to show me proof of debts such as statements or 3rd party inspection report for the mileage or photos of the mileage but they saying that they dont have that. The only thing they send me is email that I have pass due balance of {$8300.00}. They reported it to my credit bureaus and my credit went down and its limited me already for two years. I dont know how to resolve that issue because they cant send me proof of debt and they also not willing to close this matter.

Company response to consumer: Closed with explanation