BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-26
Company: Experian Information Solutions Inc.
State: TX
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:
FTC Violations Name is not correct : XXXX, XXXX, XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} ALLY FINCL {$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 explanation
Consumer complaint received 2023-03-04
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Branch XXXX should be removed XXXX XXXX is Very unprofessional and posses very poor managements skills.This branch failed to follow the simple steps on how to open a business bank account. Causing me to miss out business and personal time/profits due to their incompetence. As if the mistake they made was not enough, the branch XXXX XXXX took it on him to Closed my account and claimed charged off erroneous. Failed to provided timely resolution to their mistakes and abusing of his branch managerial powers to close my account. 
No consumer should ever feel afraid and the pain of a managers poor abilities to take care of their clients personal information and complete a simple banking transaction. It would be great for the community to replace this team member XXXX XXXX from this branch with more knowledgeable and friendly staff.

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 2020-07-26
Company: Experian Information Solutions 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:
Information on my credit report is not correct. I do not recognize this information. This is identity theft and I need it to please be removed from my credit as soon as posible.

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 2019-03-14
Company: I.C. System, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company calls and when you answer no one is there. When you call back they have stated they are looking for a XXXX or XXXX something. I have told them on multiple occasions that I have no idea who this person is. They continue to call from random numbers and when I answer no one is there. When I call and ask them to remove my number they state this is the first time they have spoken with me. 

They have state that the company they represent is IC System. icsystem.com is the company website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XXXX 2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2020-05-29
Company: HYUNDAI CAPITAL AMERICA
State: TX
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:
In XXXX of 2018 I had a car that was repossessed. I was never given my license plate or registration back. Later I receive a toll tag bill with the same license. I also paid for MMP maintenance coverage and gap Insurance that was never prorated and reimbursed to the account. A year and a half later I go to apply for a job only to be denied the job because it shows a balance on my credit report even though I was told after the repossession that the Lien was satisfied. I was told whenever their is a repossession you are suppose to be given a chance to receive your belongings as well as your license plate tags and registration. I was able to retrieve my belongings but not my tags and registration. I also was not informed on when the bidding for the car toook place which would have given me a chance to buy it back.

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 2020-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2012 {$1300.00} I have requested this account to be removed. This is an result of fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was wrongfully reput a negative mark on my credit reports a debit not owed it was legally removed once and it was sold off to a 2nd collection and hit my 3 credit reports I have asked Aaron collection agency Aka AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV XXXX for verification and stated a fact I needed a signed contract that I did indeed owe this bill all the would do is send me a list of charges stating accept this letter and list of charges as proof no copy of id was given to me and signed signature and not signed contract this was sold to them by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2021-05-07
Company: EQUIFAX, INC.
State: NJ
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:
On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out that an account that is part of Identity theft and that was removed last month came back on my report alleged account XXXX, so I am asking to please remove it from my credit report, they remove it once, so why they brought it back if the account does not belong to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the year XXXX, my daughter saw a doctor in the XXXX XXXX XXXX. I didnt notice the bill was overdue until much later, after we moved. by then it was in collection and we didn't have the money to pay. It has been sold multiple times and each time the new agency places it on my credit report as a " new '' account with a " recent '' date. Probably the date they purchased the account. This Account is now over 7 years old and way too old to be on my report. I have disputed it several times previously AND it was REMOVED each time, only to REAPPEAR a while later with a NEW agency. 
This HAS to be illegal. THere is NO way that ONE account can be magically renewed just because it was purchased by a new agency. When I contacted the CBE agency, they threatened me with arrest, which I am aware is not within their abilities. 

Original debtor XXXX XXXX original date XX/XX/2014 Patient XXXX XXXX Parent XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX account sold to CBE collections : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently applied for a XXXX Citi Card. When I did this, they ran a hard credit inquiry. I did not authorize and it is affecting my credit score.

Because I didnt authorize, could please remove the hard inquiry? In addition, could you please change your policy so this doesnt happen without consent?

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 2020-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Bank of America auto debits monthly for my payment towards my credit card.. they reported the payments late on my credit report. When this was brought to my attention ; I called and they reimbursed me late fees and interest/penalty charges. They have changed the reporting on every month with exception of XX/XX/2020.

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 2020-07-26
Company: EQUIFAX, 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:
FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
When I requested for a Credit Limit increase back on XX/XX/XXXX, never did they mention that I had to wait for 12 months from the time open my credit card account to request for it. There was also no mention of this to me over the phone of a new policy where a limit increase request would now be pushed back to 12 months. Both XXXX from the Line Increase Dept. & XXXX from the Credit Operations Dept. said on XX/XX/XXXX, only these 2 requirements needed to be met : 1. Six months need to pass since the opening of the account 2. Must clear the delinquency on my credit report XXXX delinquent payment XXXX XXXX XXXX ) Once the delinquency has been removed, XXXX specifically mentioned to immediately call back in the month of XXXX, Discover will honor to increase my credit limit in 6 months, and not 12 months. 

So, I called again on XX/XX/XXXX, to request for the promised credit increase. Supervisor XXXX located in XXXX stated that I have to wait 12 months to request a credit limit increase and not the 6 months, which was against what was originally stated in XXXX. The reason was that the policy just recently changed. My request to increase my credit limit was made before the policy change. Never did Discover adhere to disclose back in XXXX that I will not be able to increase my credit limit once the 6 month period was over. I am filing this dispute to make sure that Discover honors the credit limit increase that was promised to me at the time of the initial request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: UT
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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-11-25
Company: Santander Consumer USA Holdings Inc.
State: CA
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:
XXXX. Shows incorrect balance and the account shows incorrect late payments. Acct. Was granted for Financial Forbearance was granted 3-Times. By Santander Consumer USA. Financial Forbearance was granted for 3-Months Santander Consumer USA, It's Written in the Lease, No Late Payments and No Missed Payments will Not be Reported to the. credit bureaus, Santander Consumer USA, Reported to all three credit bureaus as 7-9, Late Payments. 
According to the Lease Agreement. When A Financial Forbearance is Granted, All Payments will be Added to Loan and must be paid at the back End of the Loan. 
Santander Consumer USA Also recently added {$750.00} In Collections Added to the Account. 
This is Incorrect info to the car loan. 
{$750.00} is from a old collections XXXX. 
XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/2020 XXXX. Bal = {$12000.00} Loan Amy. = {$12000.00} Collection XXXX.Added = {$13000.00} Incorrect Collection Account was added in the amount of {$750.00} This should be Removed. 
This Information was reported by ; XXXX Request Corrections to be made with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to BB & T to refinance my existing mortgage on a vacation home in North Carolina. The process has gone very well with one exception. In the final stages of underwriting, I was asked to sign and return two forms AS A CONDITION OF LOAN APPROVAL. One was to authorize current and future holders of this mortgage to obtain a copy of my tax transcripts for the past two years. Ok with me so far, even though the documentation for my particular loan relating to income depended on my W2, not my tax returns. The second form is what this complaint is about. I am attaching for your review. This is the Borrower 's Consent to use Tax Return Information. This form requires me to agree to provide basically unfettered access to my tax information and forces me to agree to allow the bank or any related party ( current or future ) to use my tax return information for purposes including Marketing etc. When I advised the mortgage processor that I was not willing to provide this unfettered use of my tax return information she responded by saying that according to her supervisor who checked with their Legal department, the form was a requirement of the latest Tax Payer First Act which was signed into law on XX/XX/2019, and that my loan could not go forward without my agreement on this form. As I check this Tax Payer First Act in more detail, it actually provides some rights and protections to me as a tax payer, and specifically states that institutions CAN NOT USE my tax information for things like Marketing without my consent. So in essence, what we have on the part of BB & T, is a flagrant disregard for this portion of the law, by developing this Consent Form that they are making a requirement for approval of my loan. In essence the Act provides this protection, and the bank is forcing me to provide my consent as a condition for loan approval. I would submit to you that my agreement on whether or not this bank can use my tax information for Marketing purposes has absolutely no impact on my ability to repay this loan, and thus should not be held as a condition of loan approval.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
JP Morgan Chase is holding funds from checks written to my business and wont release the funds to me ( although they have cleared through my clients accounts ). They have been holding these checks since XX/XX/2022. The funds have been released from my clients bank accounts. 
Chase requested a DBA for my business which I did and they still wont release tge funds? Ive requested the checks be returned to me so my clients can cancel them and rewrite them to the correct business name and Chase refuses to return them as they have already cashed them? Its been over 3 months and I just dont know what to do? I hope you can help me! 
Thank you for your time! 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
This debt is over 7 years old and is having a negative impact on my credit file. I was told before by the debtor about a year ago that they will request to remove this debt. I have requested a removal many times and it is still on my credit file.

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 2020-07-26
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I had three accounts with XXXX two years ago and suddenly they are not reporting on any of my credit files. FCRA states that paid closed accounts are to remain for 10 years on the credit report. They are quick to report negative information but positive information XXXX refuses to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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