BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

1. Unverified Account DEPT OF EDUCATIONXXXX  Account Number : XXXX 2. Unverified Account DEPT OF EDUCATION/XXXX Account Number : XXXX 3. Unverified Account DEPT OF EDUCATION/XXXX XXXXccount Number : XXXX 4. Unverified Account XXXX XXXX XXXX  Account Number : XXXX 5. Unverified Account XXXX XXXX XXXXXXXX Account Number : 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 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 2023-04-27
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Midland XXXX put a hold on my personal daily checking account for XXXX when it only had about XXXX. This amount doesn't go thru my account in 2 or 3 mo. This debt must be at least XXXX old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Early in XX/XX/XXXX, I received an Invoice from Merrill Lynch ( aka Bank of America ) regarding my employee stock account with my former employer : XXXX XXXX XXXX. 

The invoice was for an annual advisory fee of {$65.00}. I have never paid an advisory fee as an employee or in the years since I left the company, so I put in a call to Merrill Lynch on XX/XX/XXXX to find out why I received this invoice. 

I was told that I was being charged because I was no longer an employee, but I had the option of not paying the fee if I sold my XXXX XXXX shares and closed out/cashed out the account. 

I let the representative know that I was prepared to go through with closing the account. 

I authorized the representative to go through this process and sell the shares at {$8.00}. And I forgot about the whole thing. 

That is until I received a statement of account activity in early XXXX showing that I had still had a balance with Merrill Lynch and my account had not been closed. 

Furthermore, the advisory fee that I was trying to avoid was deducted from the proceeds of the shares sold. 

And there was a commission fee of {$29.00} charged. I'm told that I could have sold these shares on my own online, if I was still an employee. But since I was no longer an employee, my only choice was to sell by phone. 

When I called Merrill Lynch again on XX/XX/XXXX and complained about the above statements, I was told that they were simply following company policy by charging both fees, but no one could tell me why my instruction to close my account was not followed.

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 monetary relief
Consumer complaint received 2019-08-20
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I co-signed for a loan in XX/XX/XXXX. In XX/XX/XXXX my son was in a car accident and the insurance company deemed it totaled in early XX/XX/XXXX.   XX/XX/XXXX my son called the lender , credit acceptance , to get payoff status.  They informed him it was in a repossession status’s abd there was nothing he could do at this point.  I personally contacted the lender. They informed me it was due to not receiving proper documentation from the insurance company.   They mentioned they attempted to contact myself and my son numerous times however we both received nothing.  I feel they’re being unfair and not willing to assist with this error that was obviously caused by miscommunication. My son has never been late on his payments

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 2023-08-01
Company: Experian Information Solutions Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My account should not show any late payments because I have always paid on time.

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 2023-02-04
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
These companies as I explained I have never signed a contract with or have any knowledge of this collection company my personal information was sold or passed on with out my knowledge after several attempts to have them removed nothing has happen

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXn/ExperianXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Inaccurate Name : XXXX XXXX, XXXX XXXX Inaccurate XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date XXXX : XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX Owed XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX Owed : {$6400.00}, XXXX XXXX XXXX XXXX Owed : {$3100.00}, XXXX XXXX Balance XXXX : {$2200.00}, XXXX XXXX XXXX XXXX XXXX Owed XXXX {$1100.00}, XXXX XXXXG XXXX Balance Owed : {$420.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXT XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX, XXXX # XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 2023-07-19
Company: LJ Ross Associates
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023, a XXXX balance showed up on my credit report. I saw that it was from LJ Ross Associates and it stated that it was for my old utilities. However, there was never any balance on my account. Any attempt to collect any debt is fraudulent and as an attorney, I will see to it that this matter is litigated if it is not removed from my credit report

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This company has failed to remove fraudulent information from my report even after The original creditor has removed it from its records. What's more surprising is that this company requested fraud proof and proof of deletion by the original creditor, which I duly sent to them on XXXX18. But to my surprise, This company is still reporting the fraudulent account that It was mandated by law to delete within 4 days of receiving my complaints. I am a victim of identity theft. This report is to document compromise of my personal information. For yet another time, this account is fraudulent/or is linked to fraud and I want deleted asap : XXXX XXXX XXXX This letter is a direct confirmation that I want this account deleted, I have enclosed proof of deletion by the original creditor ( XXXX XXXX ), a copy of my Identity Theft Report that includes a Police report and an FTC ID theft report. 

Attached : 1.My Original creditor ( XXXX XXXX  ) proof of deletion 2. My police report 3. My FTC report 4. My Small claim form

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 2023-06-18
Company: Incomm Holdings Inc.
State: TX
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 have been calling the XXXX  card services customer service for over a year and a half to get this rectified but to my avail I have not been able to get my XXXX for a purchased I made at XXXX XXXX to get a XXXX gift for my XXXX  The companies are blaming each other meanwhile here it is a XXXX later and I still have yet to receive my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
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: Account status incorrect

Complaint:
I attempted to get a car loan from XXXX XXXX in XXXX XXXX, Missouri on Monday XX/XX/2020. I was told that because of a student loan for XXXX they could not give me a loan. I told them because I am 100 % permanently and totally XXXX through Social Security, and considered individually unemployable and being paid 100 % XXXX by the VA, that those loans were going to be dismissed. I then told him that I thought they had already been taken off my credit report. He said it was on one of the credit reporting agencies reports and none of the financiers would touch the loan because it would mean a XXXX a month payment if it went into repayment. I explained to him that I was told by XXXX that the accounts had been removed from the account. He said when I got a letter saying they were dismissed to come back and he might be able to do something. On XX/XX/2020 my wife emailed the letter laying out what XXXX was doing. I am attaching that letter to the com [ plaint it is dated XX/XX/2020. Today, XX/XX/2020, I called Trans Union, as I had determined they were the only reporting agency that still had them on my report. I was told the item was not on my report. I told the customer service person, that I had been turned down by several finance businesses and asked if Trans Union could send a letter telling them that it was an error. I was told they don't do that. 

This afternoon, because I have not heard anything from XXXX XXXX XXXX I call XXXX XXXX XXXX, XXXX, XXXX and explained what had happened at the XXXX dealer and asked if they could take a look at financing me. His name was XXXX, and he asked his finance person if there was any way they could get me a truck. He called me back and told me that if I had a co-signer he might be able to, but he had looked at what at what at his sister company and he really couldn't do it. 

Trans Union bears the responsibility for this mess and they need to do something proactive to fix it. They had almost 2 months to do what XXXX told them to do, and even though the other two got it done, Trans Union sat on it till yesterday. As a result I am unable to go anywhere and get a truck.

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 2020-10-28
Company: EQUIFAX, INC.
State: IA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been a customer for 4 years now with Chase, on XX/XX/XXXX they charge me a {$75.00} Legal Processing Fee, that made my account balance go negative, then they kept charging me fees because my account went negative. When I called Chase, they told me they would have to transfer me to their legal expert and I was kept on hold for extended periods of time until they eventually hung up on me. They are also not allowing me to close the account either. 

XXXX XXXX - was the manager who is made the decision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-19
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
COMPANY : XXXX XXXX XXXX # XXXX has been reporting multiple different dollar amounts owed to different credit bureaus. The total amount owed and the initial amount owed have been reported inaccurately. I disputed the account and the investigation was verified as accurate by all three credit bureaus. But as I will show you it is surely not accurate. it actually is filled with inaccuracies. This company has reported XXXX balance of {$5900.00} to XXXX and reported {$5800.00} as a balance to Experian. The company also reports XXXX different names of the company XXXX being XXXX XXXX XXXX, the other being XXXX XXXX XXXX XXXX and the other just XXXX XXXX. All of these inaccuracies are proof that the investigation completed by the company made to protect my information and verify it as accurate has failed In accordance with the FCRA 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 states that a consumer reporting agency can not furnish an account without my written instruction

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 2023-05-02
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Identity theft, the account that was open, was not opened by me and I did not give anyone permission. 
American Express - XX/XX/, Amount - XXXX And I contacted the company and let them know this was not authorized by me and that I gave no consent to open this account. I need this removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Albert Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I did not apply for a cash advance with this company. I attempted to apply for an advance and I received the message that the account already exists. Someone applied for a cash advance in my name. I sent an email to the company informing them of the fraudulent application. Unfortunately, when an individual applies for a cash advance, it will not appear on your credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Exeter Finance Corp.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Im trying to buy a house and purchase a new car, And this is causing deformation to my character and livelihood, Its holding me back from reestablishing myself, This account is more than XXXX or XXXX years old and there still reporting late payments and innacuarate amount, debt has been sold or closed but is still reporting to my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: CITIZENS FINANCIAL GROUP, INC.
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:
On XX/XX/XXXX, I attempted to make a {$200.00} withdrawal from a Citizens bank ATM which was declined due to an equipment error by the ATM unit. The next morning I saw that my account had been debited the {$200.00} which I never received. I attempted to resolve the situation in telephone calls to Citizen 's Bank on XX/XX/XXXX and again on XX/XX/XXXX but was told that their " investigation '' was ongoing and that I would need to wait until XX/XX/XXXX before the funds I never received would be credited back to my account. 

If Citizens Bank is doing this to me, then they are definitely doing it to other people who can not afford {$200.00} being taken from their account by their bank 's malfunctioning ATM machines and I hope that CFPB can help correct this gross deficiency by this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: IL
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2018-08-31
Company: SUNTRUST BANKS, INC.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I am not a green card holder, but I am legally working in the US with a TN working Visa. The applicaiton process was going as normal, but then they said they can not give Credit cards with no green card, I explained I do not have a green card, but I am in the U.S WORKING WITH A WORKING VISA. Have being with that visa for 5 years, is absolutely legal. The do not even wanted to give me a SECURE credit card.

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