BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-14
Company: EQUIFAX, INC.
State: MD
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:
On X/XX/2017 I reviewed my credit report on XXXX XXXX, make a long story short I realized there were multiple inquiries that I never authorized. I 've contacted the companies regarding this matter and they all could not find any of my information. So I 've contacted Equifax about this and they refused to do anything about this. I 'm extremely frustrated as this has taken majority of my week to get resolved and Equifax is n't doing anything about it. I 've faxed a letter, mailed a letter and disputed on their credit reporting agency. This is my last resort to getting this resolved. I demand the inquires to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRUIST FINANCIAL CORPORATION
State: MI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
In XXXX I applied for a roof loan thru XXXX XXXX. I had used them back in XXXX and Because of the experience, I used them again. The salesman in XXXX was more concerned lining his pockets and making a sale. At the time, my XXXX  score was over XXXX. He told me that I barely qualified and and found me different lender. He set the loan up with Service Finance. I was not familiar with this company. I did some research and discovered they were a lender whos primary focus is agricultural lending. Farming equipment that sort of thing. When I revived my welcome packet from them, the letter mentioned that the loan was a second mortgage. Or some type of home equity type installment loan. At the time I submitted the loan, I was about 6-8 months out before my marriage ended in a divorce. I believe that the XXXX XXXX agents aggressive strongman tactics plus the impact of a disintegrating marriage may have obscured my ability to understand the type of loan I was agreeing to. The loan was XXXX. And had {$250.00} payments each month. I noticed that the loan had some to interest and principal. It was a financial struggle and appeared to be going nowhereor minimally on a 10 year note. In the spring of XXXX I called them to see if any of the paid interest was 1098 eligible, tax deductible or not. The agent was very rude. Seemed annoyed and promptly said loan interest is t tax deductible. Today, I took that to imply a form of harm. Given the stress of divorce, plus the covid lockdowns, I didnt have the ability to inquire as I normally would have. I have paid them off. I felt this company was a slimy underhanded company. I also believe that I should have any monies returned to me, for what I took as material misrepresentation. Had I have known the loan was thru an agricultural lender, I would have explored other options, local banks, michigan saves loans, etc. the sales clerk was very insistent that he had no idea what a michigan saves loan was. Today. I find that hard to believe, since XXXX XXXX gave me a michigan saves loan in XXXX for a property my former wife had. I dont believe the salesman in XXXX was operating in accordance within the law. And was more concerned-with lining his pocket with a commission.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX Last reported XX/XX/XXXX {$250.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened Account status XX/XX/XXXX ( XXXX yrs, XXXX mos ) Open XXXX  Last reported XX/XX/XXXX {$720.00} Open balance XXXX XXXX XXXX  XXXX Original creditor XXXX  Opened Account status XX/XX/XXXX ( XXXX mos ) Open Type Responsibility Remarks Individual

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 2023-07-01
Company: EQUIFAX, INC.
State: NC
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:
No action has been done I have sent in letters for months trying get this resolved. Its always coming back verified. I have never got a letter just a statement which isnt the right paperwork of debt of validation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE THIS INQUIRY PLEASE

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 2022-10-19
Company: Experian Information Solutions 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 2023-03-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hi, Wells Fargo called me to inform me that my business account and teen checking account are being closed due to disputes with some transactions through XXXX on my business account ( not personal account ). This was around XX/XX/XXXX. They told me that I will receive the funds in ten days after their investigation is done. Its XX/XX/XXXX today and I've only received my business account funds last week and nothing from personal account which wasn't even associated with the issue at all. I went with wells fargo back and forth on calls countless times in last 5 months. Their customer service agents are rude sometimes too and I've filed 2 complaints against " claims department agent '' and a " execute department agent ''. Wells Fargo is refusing to release any money from my personal account even though that account was separate from the business account and had nothing to do with the disputes with buisness account. Upon questioning more, the agent from execute department just hung up the call on my while I was talking. Wells Fargo blocked 100 % of my money for 5 months and doesn't provide me any information about what is going on. They are refusing to release the money from personal account which has my paychecks from work and nothing to do with business account. All the transaction can be seen in the account.

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 2017-07-03
Company: KEYCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Key Bank Charged my account an overdraft fee of {$37.00} on XXXX XXXX, 2017 when my balance was {$2300.00}, after all items for that day had been processed. They refuse to refund the charge, or explain why they charged an overdraft when there were sufficient funds in the account. <P/>Account name : XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: MI
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 am XXXX XXXX XXXX and I am submitting this complaint myself. These items are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done 2nd attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove these items from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX / XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX : XXXX. XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31
Company: Blackhawk Network Holdings Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a {$30.00} rebate card from myprepaidcenter.com on XX/XX/2019 and it had an expiration date of XX/XX/XXXX. I called the company on XX/XX/XXXX and they said the funds expire when the card expires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: FIRST NATIONAL BANK OF OMAHA
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:
I was disputing or correcting items on my XXXX credit report, when I accidently pressed the wrong item. There is no delete or edit button and therefore it goes through. 

I have had to call 33 times to ask to have this fixed and each time the credit reporting agency either hangs up, disconnects or tells me a mgr will call back. Either way this does not get done. 

Today XX/XX/2021 I called, XXXX answered, listened to me then hung up. I called back again for the 34th time. 

I just need the entry Disputes : XXXXXXXX XXXX XXXXXXXX dispute in progress ( added XX/XX/2021 ) to be deleted.

They were given my id, police report and the letter faxed in explaining the detail. Even the bank asked to have it off the report. 

They continue to keep it is dispute mode. FCRA 605b says to be deleted within 4 days, this started 3 weeks ago and was requested with the additional information over 9 days ago.

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 2022-10-19
Company: EQUIFAX, INC.
State: AL
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 USCC 1681. 
XXXX XX/XX/XXXX past due {$190.00} XXXX XXXX  {$1800.00} Balance {$180.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX past due {$200.00} XXXX XXXX {$300.00} Balance {$870.00} XXXXXXXX XXXX current XX/XX/XXXXXXXX XXXX XXXX  {$2500.00} Balance {$10.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX open and reported XX/XX/XXXX open Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX reported XX/XX/XXXX open balance {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX open XX/XX/XXXX reported XX/XX/XXXX open balance {$200.00} XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX reported XX/XX/XXXX open balance {$88.00} XXXXXXXX XXXX XXXX XXXX open XX/XX/XXXX reported XX/XX/XXXX closed Balance {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX  open XX/XX/XXXX reported XX/XX/XXXX closed Balance {$3100.00} XXXX XX/XX/XXXX past due {$2200.00} high balance {$2200.00} account XXXX XXXX XX/XX/XXXX past due {$42.00} high balance {$250.00} balance {$210.00} XXXX. XXXX XX/XX/XXXX current high balance {$320.00} XXXX XX/XX/XXXX current {$0.00} XXXX XX/XX/XXXX current high balance {$980.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX reported XX/XX/XXXX closed balance {$1400.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section States : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was disputed with another collection agency and removed due to fraud I've never had and account with XXXX XXXX XXXX then Franklin collection agency purchases the debit and XXXX put the account back on my credit report I submitted another dispute XXXX looked it up and saw via their fraud department this account was disputed and successfully removed from my credit report from 2 previous debt agencies-companies keep purchasing this debt and putting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Toyota FInancial botched my lease return and then dinged my credit, sent threatening letters and after many hours on the phone, and back and forth - including filing a previous complaint here on CFPB finally acknowledged the car had been returned on time and all lease payments made. They retracted that credit organizations to restore my credit. 

They have decided to get 'even ' by sending a threatening letter demanding collection of excess wear and tear fees ( which were already deducted as part of my purchase of a new vehicle in price negotiations ) - instead of just billing me after the long drawn out process they sent it directly to debt collection! 

1. The letter sent misstates the date the car was returned : I returned the car before the lease was over on XX/XX/XXXX not XX/XX/XXXX as stated on their debt collection letter. 

2. There are disposition fees and taxes added - which are all superfluous and were never stated in our lease contract 3. The letter said to get a condition report of the vehicle to go to XXXX. XXXX said to contact the leasing organization. The interior of the car was in pristine condition when I turned it into the dealer. What happened to it between XX/XX/XXXX and XX/XX/XXXX I should not be responsible for. 

4. My {$22000.00} new car has ended up costing {$32000.00} because of all the superfluous fees and the mishandling of the lease return - how can I make a budget with all this rip-off going on!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Last year I discovered a false account with XXXX XXXX XXXX and XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX XXXX  and XXXX denied the claim XXXX This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX XXXX and XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2022-01-18
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I have some fraudulent accounts on my credit report. Please see attachment

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 2023-12-14
Company: EQUIFAX, INC.
State: WV
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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: NY
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 XXXX ) ending in 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
As of XX/XX/XXXX, Capital One is refusing to remove the late payments from two of my accounts with them. Even though Capital One mailed me two letters dated XX/XX/XXXX stating that the late payments would be removed. 

The letters state verbatim : Letter # 1 : " We found that your payment history was incorrect on your credit report, so we sent a request to the credit bureaus to remove the past-due history for XX/XX/XXXX to XX/XX/XXXX. It may take the credit bureaus up to 60 days to update your credit report. For more information about credit bureau reporting, please see the Credit Bureau Frequently Asked Questions on our website, www.capitalone.com/credit-cards/faq. '' AND Letter # 2 : " We found that your payment history was incorrect on your credit report, so we sent a request to the credit bureaus to remove the past-due history for XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. It may take the credit bureaus up to 60 days to update your credit report. For more information about credit bureau reporting, please see the Credit Bureau Frequently Asked Questions on our website, XXXX '' I spoke with Capital One on a recorded line on at least three occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On all three occasions I spoke with a supervisor/manager. 

On XX/XX/XXXX : they said someone must have dropped the ball, and insisted this issue would be resolved for BOTH accounts. 

On XX/XX/XXXX : they apologized again, saying they had to resend letters with NEW dates ( dated in XXXX ) so by the accounts ' XXXX reporting cycles, this issue would be resolved. I was also assured that someone would follow up with me. 

On XX/XX/XXXX : the supervisor told me that only one of the two accounts had notes written on them. She also said that despite what Capital One agreed to, Capital One reinvestigated the account and decided that the late payments were going to stay. She stated that Capital One can not do that and assured me that if I dispute, they should see the letters on file in the account, and remove the late payments. I am not going this route because this is absolutely ridiculous how long this has taken for something that was supposedly resolved in XX/XX/XXXX. She agreed. 

I will never be able to get my time back that I have lost in my attempts to resolve this issue.

Company response to consumer: Closed with non-monetary relief