BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

The Credit bureaus stated Account Name & Account, XXXX XXXX XXXX # XXXX, Account, XXXX XXXX # XXXX, Account, XXXX XXXX # XXXX, Account, XXXX # XXXX XXXX Account, DP OF EDUC # XXXX, This is Identity theft because I didnt gave nobody written consent I didnt sign no paperwork. they violated my rights I wan na sue for every violation They said account not paid in full how so I use a Finance charge. Account, XXXX XXXX XXXX # XXXX 15 U.S. Code 1605 - Determination of finance charge Who give you the right to trying to control my credit yall just like any other business youre not government. Im not asking u Im telling u to delete them accounts 15 U.S. Code 1681b - Permissible purposes of consumer reports

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 2023-07-30
Company: EQUIFAX, INC.
State: AL
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 received a copy of my credit report from XXXX on yesterday and it shows multiple inaccuracies, including the incorrect spelling of my name along with several inaccurate accounts. I have requested multiple reinvestigations and/ or the removal of the inaccurate information. To date, nothing has been sent to verify proof of the investigation and no inaccuracies have been deleted as per 15 U.S. Code 1679c. Now, per 15 U.S.C. 1681, I am requesting the following inaccurate accounts be DELETED Immediately. 

XXXX XXXX XXXX XXXX - Never late, Account in litigation XXXX XXXX XXXX XXXX XXXX XXXX  - Not mine, no knowledge of this account, see Statement attached. It does not state my name or joint information XXXX XXXX XXXX - Never late, Account in litigation Name- XXXX XXXX XXXX XXXX not XXXX. Delete ALL accounts attached to this wrong name that inaccurate, fraudulent, and is not identified as me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: Experian Information Solutions 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:
I am writing to file a formal complaint against Experian regarding their lack of response to my previous letters. On the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I sent letters to Experian, seeking resolution and clarification on important matters pertaining to my credit report. To my dismay, I have not received any response or acknowledgement from Experian regarding these correspondences. 

The letters I sent contained detailed explanations of discrepancies and errors present in my credit report, which have adversely affected my creditworthiness and financial opportunities. It is crucial that these matters be addressed promptly to ensure the accuracy and fairness of my credit profile. 

Despite multiple attempts to engage with Experian through written communication, the complete lack of response is both disheartening and frustrating. As a consumer, I rely on Experian 's expertise and commitment to providing accurate credit information and prompt resolution to disputes. The absence of any communication from Experian leaves me feeling disregarded and unsupported. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action to ensure that Experian fulfills its obligations to consumers. It is essential that Experian acknowledges and responds to the concerns raised in my previous letters, providing a comprehensive plan of action to rectify the inaccuracies on my credit report. 

I urge the Consumer Financial Protection Bureau to prioritize this complaint, as it concerns the accuracy and fairness of credit reporting, which impacts countless consumers. I trust that your agency will thoroughly examine the matter and ensure that Experian is held accountable for its lack of response and failure to address my concerns. 

Thank you for your attention to this matter. I anticipate a timely response from the Consumer Financial Protection Bureau and a resolution to these pressing issues.

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 2023-07-07
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My XXXX wrote me a check. Her bank is nearby and I went to cash it. I waited over XXXX minutes to be told to cash a check at the bank where her account is costs {$7.00}. 

This is not service oriented at all for your members not for those they write checks to. 

Very bad policy. Speaks poorly of US Bank.

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 2019-08-12
Company: PINNACLE FINANCIAL PARTNERS, 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:
These are the companies that have reported items that I have no knowledge of, I've never cosigned for and never signed up for. I would like to have them investigated and removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX FLORIDA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: American First Finance, 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: Their investigation did not fix an error on your report

Complaint:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
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:
My identity has been compromised in which lead to someone opening up fraudulent accounts in my name therefore Im demanding that the following accounts be blocked and removed from my credit files. 

a. XXXX XXXX XXXX {$68.00} b. XXXX XXXX {$1700.00} c. 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 2018-08-01
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have 2 debts that should not be on my account. The first one is XXXX XXXX. Originally XXXX XXXX. Its 4 yrs old and was closed a year ago and is a charge off. This new debt company reopened it and it got deleted off XXXX  and XXXX. Now its back on XXXX and XXXX. The next one XXXX XXXX XXXX. That one needs to be deleted too. Its been deleted off my XXXX but not the other 2. ( XXXX and XXXX  ). I am trying to clean my credit up to buy a house and I cant when these people keep  adding them after theyve been closed and deleted! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was denied an extension of credit from Synchrony Financial/Amazon which is unlawful and a violation of my consumer rights in accordance to : 15 U.S. Code 1681b ( 3 ) ( a ) - Permissible purposes of consumer reports, ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S. Code 1681n - Civil liability for willful noncompliance ; ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 12 CFR 1002.4 General rules. ( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. 15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. 16 CFR 433.1 Electronic Code of Federal Regulations ( e-CFR ) Title 16 - Commercial Practices CHAPTER I - FEDERAL TRADE COMMISSION SUBCHAPTER D - TRADE REGULATION RULES PART 433 - PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES 433.1 Definitions. ( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement.

( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.

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 2022-12-03
Company: Mercedes Benz Financial Services
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:
USC 1681, SECTION 602, I have the right to privacy.

USC 1681, SECTION 604, SECTION 2, States a Consumer Reporting Agency can not furnish a report without my written consent.

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

XXXX the lease is over car returned XX/XX/XXXX and they are reporting late. 
Mercedes Benz Financial XXXX XXXX XXXX, I paid the car off during covid and asked XXXX to remove such reportings and they said no. 
XXXX mortgage during Covid I had arrangements and all debt is paid and they continued to report. XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Bread Financial Holdings, Inc.
State: OH
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:
XXXX refuses to delete this account from my report, after they told me they will remove, once the account is paid in full., since the account was charged off/closes. I paid the account in full, so now they are saying they will leave the account on my report for seven years. that was not our agreement. My XXXX XXXX XXXXXXXX account is paid in full and closed, so please remove it from my report. Also, i have my XXXX XXXX XXXX XXXX account with XXXX, that was charges off/ closed, that i am currently making monthly payments on to XXXX, and I was told the same agreement once that account is paid in full, which I believe will be XXXX 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX 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 2022-12-03
Company: EQUIFAX, INC.
State: DC
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 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 explanation
Consumer complaint received 2022-04-21
Company: World Omni Financial Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
was asked by a representative of South East Toyota Finance if being behind by less than one payment was due to covid, I supplied proof that this was the in fact true. Since then i have continually received upwards of 6-8 phone calls and voicemails in a singe day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XX/XX/XXXX, I called Transunion to remove inquries that i did not authorized.i spoke with a XXXX Rep that was handling my request. in the midst of our phone call, as we confirming the ones that needed to be removed, the call was disconnected.i called back and waited 15 minutes to get another XXXX rep on the phone.i explained to him what happened and how the XXXX Rep on the phone.I explained to him what happened and how the XXXX rep was deleting unauthorized Inquries and could he continue. he told me that he couldnt do it Again. i explained that the other XXXX rep was in the process of deleting these unauthorized Inquries.however.he did not care.needless to say, he didnt help mewith what the other XXXX rep was more than willing to help me with.there is XXXX inquries and also a repo from a car loan place and my score drop twice after talking to them when my accounts are all in good standing none of these Inquries since XX/XX/XXXX have been mines because i file an Identy theft

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 2020-07-14
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i was suppose to receive a credit on my account for this returned item for a company my bank and the company agreed to the credit and then they took the money right back out my account i have spoken with many reps gave several documents and they keep telling me to go to my bank i have and they will not return my funds and have my account in a negative. i have bank with them for 15 years and never had this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2017 I purchased the rental of a car in XXXX through XXXX, a popular rental website. The total amount for the rental was {$75.00} USD for the dates of XX/XX/XXXX to XX/XX/XXXX. After my return to US I noticed a charge on my Citi Double Cash credit card with the date of XX/XX/XXXX for a total amount of {$530.00}. I presented a dispute for the charge, and after a few days I was informed that the merchant presented evidence of my acceptance of the mentioned charge. The document presented by the merchant ( supposedly signed by me ) was partially in XXXX, blurry, with values in XXXX XXXX, and extremely unreadable. However, Citi Bank decided to rule in favor of the Merchant, XXXX XXXX XXXX   XXXX. After contacting Citi multiple times via XXXX and phone they still insist that there's nothing they can do, even when the evidence is overwhelming on my favor.

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 2020-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One Issues Outline 1 ) On XX/XX/2020, a transaction was made on my credit card for {$200.00} at an ATM in XXXX XXXX at XXXX XXXX. This transaction was fraudulent and not made by me or anyone associated with me. 
2 ) On XX/XX/2020, a credit in the amount of {$1500.00} was applied to my credit card account. This transaction was fraudulent and not made by me or anyone associated with me. The source of the funds was from Valley National Bank where I have never had an account. 
3 ) On XX/XX/2020, I reported both of these transactions to Capital One, cancelled my card and changed my user ID and password. They also sent me a new card. 
4 ) On XX/XX/2020, Capital One reversed both transactions and indicated that the debit would be investigated with the fraud department. 
5 ) On XX/XX/2020, Capital One mailed me a letter that the fraud investigation was complete and that there was no evidence of fraud. When I called for an explanation, the representative said that it had to be me because it was from the chip on my card. 
6 ) In the time after this, I followed up with XXXX XXXX to see what needed to be done to get the evidence from the ATM ( both physical and visual ) and they indicated I needed to file a police report. After checking with the local authorities as to proper process, I filed a report with the XXXX Police on XX/XX/2020. After many follow up emails and calls, it seemed like the process for getting a subpoena was finally started around XX/XX/XXXX. 
7 ) On XX/XX/XXXX, Capital notified me by email that a payment of {$1500.00} had been returned and directly correlated it the same transaction of XX/XX/XXXX earlier in the year. They debited my credit card for that amount, which put it over the limit. I called Capital One to let them know that this occurred and after having gone through multiple representatives, I finally got them to understand that someone in their back office had made a mistake. 
8 ) The repercussions of this was that I then received 3 letters from Capital One on XX/XX/XXXX letting me know that this account, another personal account and one business account were being closed due to this last payment being returned.

Company response to consumer: Closed with explanation