BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-17
Company: CITIBANK, N.A.
State: TX
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:
CONSPICUOUS NOTICE As a Federally Protected Consumer, I demand to invoke my right to opt out in relation to disclosing my nonpublic personally identifiable financial information to nonaffiliated third parties. According to 12 CFR 1016.10, an opt out is given by direction of the consumer. I am requesting for CITI CARDS to immediately stop sharing my personally identifiable financial information with all credit reporting agencies and all other third parties. The personally identifiable financial information includes : information a consumer provides to you on an application to obtain a loan, a credit card, a credit union membership, or other financial product or service, account balance information, payment history, overdraft history, and credit or debit card purchase information, any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account as defined under 12 CFR 1016.3 ( q ) ( 1 ) ( 2 ).

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 2023-03-14
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

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 2023-07-06
Company: EQUIFAX, INC.
State: FL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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 this creditor has violated my rights under 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. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2020, I had entered into 3-year lease agreement and set up automatic recurring payments until maturity. I then extended the lease for another 3 months, but due to a 2-month oversight/miscommunication, I assumed that the recurring payment would automatically continue post lease extension. The end of lease message on Mazdas financial services site clearly states that, if youve set up automatic payments, be sure to cancel them after youve made your final payment, contrary to action Mazda has taken to cancel automated payment at lease extension. Also, I have not been alerted via email of a late payment which I would normally receive. As a result, my payment history was flagged as a negative 60-day marker with TCNA and across all 3 credit bureaus, despite the fact that I had brought the account up to date after being alerted by XXXX of a 60-day late notice. It is worth noting that I have had a XXXX credit score and a solid payment track record with Mazda financial services prior to this event.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: The Outsource 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:
During a family court dispute. Court records were falsified an hour after my filing by the accused in retaliation to make me look like I had a mental health condition which I do not. I was detained by the sheriff 's department with my court documents and brought to XXXX XXXX The hospital doctor said exactly on camera that " off the record, I can not believe the judge issued a baker act on such an embellishment of facts that are clearly false. But I can not revoke a judge 's order for a 72 hour hold. The best I can do is release you after 10 hours based on the hospitals policy ''. My insurance was charged thousands leaving me with a balance of {$1300.00} with XXXX Florida XXXX XXXX. I explained to XXXX that not only did they hold a XXXX  women on XXXX XXXX causing undue stress to the XXXX and other children, but I was clearly not insane and was XXXX against my will. They refused to drop the bill and sent my balance to collections which has caused financial injury to my credit score and added XXXX XXXX as if being held against my will was not enough. The abuse caused by the broken court system and hospital policies has allowed sane people such as myself to be victimized by their abusers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit reporting 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 FCRA THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

UNDER 15 USC 1666 B A CREDITOR CAN NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN & CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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 with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX has charged my Bank of America " Unlimited Cash Rewards '' XXXX  credit card {$5700.00} but I have NOT received any goods, merchandise, or services from XXXX ; I have unsuccessfully disputed this charge with Bank of America which has refused to remove this bogus charge from my credit card ; I request the Consumer Financial Protection Bureau to remove this bogus charge of {$5700.00} from my credit card ; XXXX XXXX XXXX of the XXXX Billing Department at telephone number XXXX told me that he is willing to refund the charge but that he has NOT received any of the money yet from Bank of America and as yet he has no payment from Bank of America to refund on my behalf ; I request the Consumer Financial Protection Bureau to remove this amount of {$5700.00} from my credit card bill ; thank you!

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 2022-01-17
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Incorrect accounts and inquiries were attributed to my file that i have No knowledge of nor benefited in any way

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 2022-01-20
Company: JPMORGAN CHASE & CO.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I am a 100 % XXXX veteran and I recently moved from XXXX to XXXX. I bought a car in XXXX before I left and paid off my vehicle loan with JP Morgan Chase XX/XX/2021. I am trying to sell the car because I don't need it anymore but JPMC has not released the electronic lien and it has been five months. I contacted them about the situation and they were less than helpful. They said they would mail a lien release to the XXXX XXXX tax office in XXXX but, when I spoke to the tag office today I was told that because it was an electronic lien they could not use a a lien release letter and that JPMC is the only ones that can do that. So, JPMC is holding my title hostage. Granted I paid the loan off early but, there is no reason for them to not release the lien. They will not answer my telephone call. 

Contact information for JPMCB Auto Finance XXXX XXXX XXXX Mail XXXX LA XXXX XXXX, LA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TransUnion was reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 2nd dispute letters to TransUnion since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

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 2023-10-11
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2023 {$250.00} XX/XX/2023 {$450.00} Called to report that I was scammed out of {$700.00} for tickets that were promised to be sold to me, they started a dispute but said it was not guaranteed a credit or my money back due to it being an approved payment from me to purchase goodies. I have yet to receive credit or any information on whats going on with my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Multiple letters have been sent to Transunion requesting a block of information resulting from an account that is not mine. Transunion refused certified mail on multiple occasions. 

USPS tracking : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX A letter with my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft and FTC Fraud Affidavit was sent. I sent via regular mail on XX/XX/XXXX. Account was deleted from my credit report. Federal law requires notice to reinsert account, no notice given and account shows as a " charge off '' and reinserted today without notice. 

I have contacted XXXX multiple times and was told the company requested deletion, please see attached. Account also lists that it was closed in XX/XX/XXXX and opened in XX/XX/XXXX. How did an account close four months before it opened? 

Transunion has not provided any proof this account is mine nor have they provided information as to how debt was verified. XXXX has not provided any validation of debt despite being requested via certified mail multiple times.

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-10-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I got a vehicle for my fianc and she wasnt making the payments and before I knew it I got a call saying I owe a ton of money or the account would be closed she never payed up and this messed up my life to the point I cant even get a house or a vehicle for myself

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 2023-08-24
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:
I, XXXX XXXX XXXX am verifying that I XXXX XXXX XXXX mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: AZ
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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: Experian Information Solutions 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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.

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 2022-01-20
Company: EQUIFAX, INC.
State: NJ
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 credit score with 03 credit bureaus agency XXXX, Equifax and XXXX don't grow enough Although I don't have any existing debts and my payment history on time since XXXX which I should have a better score than I currently has, I don't have any payment for credit cards or car loan that is late nor I owe money to any credit card or Mortgage company. 
all my previous old credit card since XXXX was settled in full therefore I'm disputing all the negative records on my credit profile, I never been contacted by any agency that I owe them money. 
my question is why my credit score never increase however I have great payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I wanted to get my free credit reports online, from the three credit reporting agencies, using the website XXXX. There was some sort of glitch and the website said I could not get them online, that it would mail them to me. Then I tried calling using the number XXXX to talk to someone so I could get the reports online. This is an automated line and it said it would mail them to me. My complaint is there is no phone number for customer service or their corporate offices to redress any of my issues with their website.

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 2023-03-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On or about XX/XX/2022, a check that we wrote was fraudulently altered and cashed by Wells Fargo. Our bank, XXXX XXXX, opened a case and we filed an affidavit the day we discovered the fraud. Wells Fargo had contacted us by phone ( left message ) and by email the same week of XX/XX/ 2022, to let us know that they suspected check fraud happened. They somehow still cashed the check by the time we responded to them and now we can't seem to get our money back. It is clear to us that Wells Fargo suspected the fraud and yet cashed the check anyway. Our bank, XXXX XXXX, has contacted Wells Fargo multiple times and they have not responded, to the best of our knowledge. 

XXXXXXXX XXXX case number : XXXX Check amount : {$18000.00} Cashed on XXXX, XXXX, 2022

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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have challenged this account with all 3 credit bureaus and each time they say its reporting accurately and it is not... it is clearly reporting in the comments that this is sent to collection by XXXX who is the creditor but yet still reporting a balance... .this is a violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: Experian Information Solutions 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 XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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