BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please review the enclosed documents, and initiate an inquiry into the accounts where I am consistently on time but are incorrectly marking me as late.

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 2023-07-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: AZ
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In these accounts that contain late payments, incorrect information has to be reviewed and eliminated. This is incorrectly reported under my name and affects me too much. 

DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect

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 2021-11-18
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
As evident in the attached agreement, in which I was under much duress at the time of signing on ( XX/XX/XXXX ), the alleged creditor, Exeter Finance, denied me of my right to rescind as pursuant to XXXX XXXX XXXX, considering that this was a consumer credit transaction. This is shown under the section titled No cooling off period. 

I as the consumer am also being charged outside of the finances charge which is presumed to be the SUM OF ALL CHARGES. To charge me anything other than the finance charge ( e.i. Interest ) is a violation of XXXX XXXX XXXX. The finance charge is also to include an insurance premium which I was not given full disclosures of or offer. If having comprehensive and collection is a requirement for Exeter Finance, then it makes sense as to why it is supposed to be included in the finance charge. 
The agreement is very false and misleading ( XXXX XXXX XXXX ) as the alleged amount of the final sale is in a positive balance. If I am in debt to another, I would better make this assumption if a negative balance were shown. It is also false and misleading as Exeter Finance is not listed on the agreement as the seller or buyer. XXXX XXXX XXXX XXXX is listed as the seller/creditor on the agreement. If I didnt know any better I would assume I am in an agreement with XXXX XXXX XXXX XXXX and not Exeter Finance just by looking at the signed agreement. 

I spoke with a representative of Exeter Finance for almost 2 hours trying to resolve the matter on XX/XX/XXXX. The representative agreed with my arguments but the only resolution offered was to surrender the automobile. 

I also have a copy of a XXXX Certified Search Report from the Georgias Secretary of State. This XXXX is proof that I am not legally obligated to this debt. In order for an alleged debt to be valid it must be recorded with the XXXX of State.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Dear CFPB : Bank of the West ( BOTW ) hit me with a NSF fee on XX/XX/XXXX ( a {$35.00} fee ). The transaction should have simply been stopped, but BOTW pushed the funds through. I, wrongfully, incurred an additional {$30.00} on XX/XX/XXXX ( due to my account being more than {$200.00} overdrawn ). The transaction was an online EFT, BANK to BANK, " one time '' checking account transaction to a savings account. The transaction of XX/XX/XXXX was overdrawn due to a keystroke error. When I learned of it, on XX/XX/XXXX, I had the funds returned to BOTW by XXXX XXXX XXXX XXXX XXXX on the same day. However, the funds did not post in time to stop the second NSF fee of {$30.00} for XX/XX/XXXX, or so says, BOTW. 

I believe that BOTW was being abusive by allowing the overdraft to go through on XX/XX/XXXX. I complained to the bank managers in person, online by email and by telephone, but I was told that the fees are correct. Bank of the West has been treating my account as if I signed up for overdraft protection. Even insisting that I was automatically signed up when the account was registered online. However, when I opened my BOTW account online ( # - XXXX ) on XX/XX/XXXX, I never once signed up or designated an alternate account to cover any overdraft protection. 

Under the overdraft protection law enacted XX/XX/XXXX it is illegal for banks to automaticaly sign up new accounts for overdraft protection. Again, the H.R.1261 " Overdraft Protection Act of XXXX '' - Amends the Truth in Lending Act to prohibit a depository institution from engaging in unfair or deceptive acts or practices in connection with overdraft coverage, or in acts designed to evade the provisions of this Act. ... ( 1 ) the consumer 's transaction may be declined if there are insufficient funds in the related transaction account, and ( 2 ) the consumer will not be charged a fee if such transaction is declined. ... Prohibits an overdraft coverage fee if the overdraft results solely from a debit hold amount that exceeds the actual dollar amount of the transaction. ... 

The US Treasury makes a direct deposit for my SSI payment into my Any Deposit Checking account on/or before the first of every month. BOTW was well aware of my direct deposit history and decided to take advantage by transferring the full amount to XXXXXXXX XXXX XXXX XXXX XXXX where my XXXX. fund is managed, even though it would put my primary checking account in a negative balance. If I were unable to return the funds back to BOTW I would have continued to incur NSF fees every five days until XX/XX/XXXX. 

In closing, I am requesting that the CFPB audit all my BOTW transactions for the months of the XX/XX/XXXX through XX/XX/XXXX. Please advise. 

Sincerely, 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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-06-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This complaint is filed against XXXX, XXXX, and XXXX for reporting incorrect information, non verifiable information, and incomplete information on a account all XXXX are reporting which violates the FCRA and due process of federal law. The said account at issue is called XXXX XXXX under account number XXXX. A dispute was filed with all 3 bureaus and my dispute was denied and information in all 3 reports was considered to be correct/ accurate and verified. A copy of the consumers smart credit 3 bureau report is included in this complaint to verify all errors and discrepancies on this account. All reporting errors are as follows : 1. Both XXXX and XXXX report a high balance of XXXX. XXXX reports a high balance of XXXX. All can't be correct. 2. All three credit bureaus report different dates of last activity. XXXX reports XXXX as XXXX. XXXX reports XXXX as XXXX. XXXX reports XXXX XXXX. All differ and can't be correct or verified as accurate. 3. Both XXXX and XXXX report payment amounts as XXXX. XXXX reports payment amount as XXXX. 4. Both XXXX and XXXX report date of last payment XXXX. XXXX reports last payment date as XXXX. XXXX. XXXX report says last payment made was in XXXX. Contrary on same report under 7 year payment history calendar that last payment was made in XXXX and that in XXXX, account was closed and in collections. XXXX. XXXX reports that last payment made was in XXXX. Contrary on same report, it shows under 7 year payment history calendar that last payment made was in XXXX and that in XXXX, account was 30 days late. 6. XXXX report shows XXXX 90 days late. XXXX report shows 1 90 days late. XXXX report shows 4 90 days late. All differ and can't be correct. 7. XXXX  payment history calendar shows in XXXX of XXXX that account was paid/O.k.. XXXX reports 30 days late in XXXX of XXXX. Both can't be correct. 8. XXXX report says account was 30 days late in XXXX of XXXX. XXXX reports account was 60 days late in XXXX of XXXX. Both differ. 9. XXXX report says in XXXX XXXX account was 60 days late. XXXX report says in XXXX Of 22 account was 90 days late. Both differ. 10. Both XXXX  and XXXX reports are missing date account was closed. 11. Both XXXX  and XXXX reports are missing Date last verified also.

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 2021-11-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I got off the phone with both Chexsystems and XXXX XXXX They have stated that they have verified this account as accurate. However, they clearly have not conducted their own independent investigation because of a blantant errors on my reports with each of them.

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 2022-08-16
Company: EQUIFAX, INC.
State: NC
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 a natural person, i am a human being, i have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : i have the rights to privacy and i did not give Equifax permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26
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: Credit inquiries on your report that you don't recognize

Complaint:
Recently, I received a copy of my credit report from EQUIFAX The credit report showed a credit inquiry that I did not authorize. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. 
Please remove this inquires : XXXX XXXX Inquiry : XXXX XXXX, 2022 I ask Equifax to please remove this inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. 
Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: WI
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 credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX  Account Number XXXX XXXX  This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: LA
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. 

XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX has violated my rights. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX 2023, XX/XX/2023, XX/XX/2023, XXXX  IS REPORTING LATE PAYMENTS ON MY REPORTS AND THAT ABSOULTELY INCORRECT ... XXXX IS SET UP WITH AUTOMATICALLY DRAFT AND I HAVE MY BANK STATEMENTS TO PROVE I WAS NEVER LATE THIS ON THIS 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 non-monetary relief
Consumer complaint received 2023-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Recently I checked my three credit reports for the first time in over five years. 

I noticed a late payment reporting on my Capital One credit card account to the three credit reporting agencies for XX/XX/XXXX, which is inaccurate. Because of my XXXX illness and the shelter in place restrictions here during that difficult time, I contacted a Capital One representative by phone to explain my situation about my late payment. At that time there was an agreement made to have any late payment reporting for XX/XX/XXXX waived from my credit history, and instead reported as an on time payment by Capital One. Now I see Capital One never honored our agreement made by phone in XX/XX/XXXX. 

The CARES Act, which was signed into law on XX/XX/XXXX, amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis. Under the amended FCRA, if Capital One made an accommodation to me because I was affected by XXXX during the covered period, Capital One must report my account as current to the credit reporting agencies. 

Additionally, I would like to share that I have been a Capital One cardholder since XX/XX/XXXX, and the only negative mark on my payment history with Capital One since that date is for the XX/XX/XXXX period. Furthermore, this dispute with Capital One is the only negative mark that appears on my entire credit history. 

Be aware that my Capital One account has a credit limit of ( {$500.00} ), which is less than 1 % of my entire revolving credit limit ( {$51000.00} ) involving twelve creditors. I find it extremely disheartening that one creditor ( with such a small representation of my overall revolving credit ) has damaged my credit for more than two years because they neglected to honor our agreement made during the XXXX crisis. 

I recently contacted Capital One by writing to resolve this matter and their generic response ( attached ) was that their late payment reporting for XX/XX/XXXX is accurate. No mention was made in their findings about the life changing XXXX restrictions and issues we all faced at that time, and they did not acknowledge our agreement made at that time regarding my payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
To Whom It May Concern : American Express has deliberately reported false tax information to the Internal Revenue Service and refuses to correct it. 

On XX/XX/XXXX, I settled a past due credit card debt with XXXX XXXX, the authorized collection agent of American Express.The total amount owed on the delinquent account was {$15000.00}. American Express agreed to accept {$3800.00} to settle the account in full. On XX/XX/XXXX, the authorized collection agent was paid {$3800.00}. According to XXXX XXXX at the American Express Corporate Office in New York, American Express received those funds from their authorized collection agent on XX/XX/XXXX. 

American Express was required by law to provide me a cancellation of debt ( XXXX ) form for the tax year XXXX, and that never happened. I requested that American Express send a XXXX correction to the IRS, which would completely resolve the problem. However, she refused, citing some ridiculous internal policy of holding a payment for 10 days after they receive it. 

However the policies of an individual corporation are irrelevant. The debt was legally settled in XXXX, and I claimed and paid the tax due to the Internal Revenue Service for XXXX. American Express decided to willfully ignore that and sent deliberate, erroneous information to the Internal Revenue Service for tax year XXXX, knowing that this information was false. 

XXXX XXXX utterly refused to provide a proper explanation as to why they American Express would not correct this, other than to say " they just won't do it '' or words to that effect. Now, I am left to deal with the mess that American Express has caused me, despite the assurances of the American Express authorized collectors telling me that the XXXX form would be issued for tax year XXXX. 

What astonishing is the simplicity of correcting this issue. The only thing that American Express has to do to correct this is send a XXXX correction form to the IRS. They refuse, and this problem still exists. Not that it matters, but I am a XXXX XXXX veteran trying to do the right thing and file proper tax forms, but American Express doesn't care. 

In addition to the complaint to the CFPB, I also intend on filing a complaint with the Federal Trade Commission, State of Texas Attorney General 's Office ( Division of Consumer Protection ), Better Business Bureau, XXXX XXXX XXXX XXXX, as well as other federal and state agencies regarding the apathetic business practices of American Express.

Company response to consumer: Closed with explanation