BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I contacted American Express to ask how I could transfer my total balance [ {$5200.00} as of XX/XX/21 ] to a new card. They informed me that this is not an option. I was confused and this is my first time trying to transfer a balance to a new card. I'm starting a new job and am shopping for a business expense card that had a balance transfer option. I was shopping with XXXX for a mastercard and decided to check with American Express to see how that process would go. I just got off the phone with American Express. They said they don't do balance transfers right now -- for about the past year. I asked the representative, XXXX, to escalate my inquiry and find out exactly why they won't do balance transfers. I was put on hold for few minutes and he came back with a response that it was because of Covid. I was dumbfounded and said that is unacceptable. He said he knew that wasn't a great answer and he had no further information. I asked to file a complaint and he agreed -- then proceeded to tell me that after I file my complaint, the company may or may not get back to me -- at all. I found this egregiously unacceptable and asked who I could file a further complaint with. XXXX put me on hold and came back and said the XXXX XXXX XXXX. From my schooling, I remembered the CFPB and their vital role protecting consumers, which is why I'm filing this complaint. My complaint confirmation number with American Express is : XXXX. They gave no reasoning about why they will not process my balance transfer left me with no option than to seek help from the government about the issue. They try to use their weight and power to do whatever they want without explaining themselves, but I'm the consumer and I pay them interest monthly. I do not accept that they felt they don't need to answer for their policy to their paying customer and I'm humbly asking for your help in making them answer more fully and with accountability to their consumers. Thank you in advance for your dutiful consideration and diligence in helping me get more information and, hopefully, an equitable result to their black-box decision. I feel wronged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-10-06
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My account should be squared away and the fact that they switched accounts to my old account to make the withdrawal should not affect my future or record

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 2023-06-07
Company: CL Holdings LLC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with JEFFERSON CAPITAL SYSTEM. I do not have a contract with JEFFERSON CAPITAL SYSTEM. This business has failed to provide any supporting information to that fact. I demand they submit a correction to my credit report immediately. ** accordance with the Fair Credit Reporting Act and ***** Consumer statues this business has violated my rights. ** accordance with the Fair Credit Reporting Act protected consumer rights to privacy and confidentiality under 15 USC ****.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
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: Account information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Dob- XX/XX/XXXX Last 4 ss- XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX Tx, XXXX I XXXX XXXX am writing to dispute the following unauthorized Inquiries that are listed in my credit report. 
I do not recognize nor have I done business with any of the accounts listed below and Im requesting that all inquiries listed below be immediately removed. 

XXXX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX  Inquiry date : XX/XX/XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/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 2022-11-09
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:
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 XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: Reliant Capital Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt the office of Reliant Capital Solutions LLC is trying to collect on has been paid in full to the original creditor already, yet the company is still attempting to communicate with me to collect on this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I pulled a consumer report XX/XX/XXXX and I noticed items on my credit that should not be there. I contacted the companies to have the items removed. They did have refused to remove the items or produce the evidence that the debt belongs to me. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXT XX/XX/XXXX XXXXE XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX MAIN XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX please remove the following information Names : XXXX XXXX WILL, 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 2018-12-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Previously filed complaint XXXX, requested that HSBC review historical " checks '' sent via bill pay to determine if there are any historical checks which have not been cashed and not be refunded to my account. I had two instances that I knew of and have had corrected but am requesting that the bank identify any others since this information is not available to me via website nor via their helpdesk. The response to the complaint researched one check but not all checks submitted through bill pay. Please research all bill pay checks for the history of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep receiving harassing phone calls from Portfolio Recovery Associates every day from Monday trough Saturday since the month of XX/XX/2020. They are bothering me with a debt I don't owe to nobody. I don't know them. I just verified my credit report and I don't have a bad debt reported on my credit history either. It sounds suspicious to me and it is taking away my peace of mind. These are their phone numbers that I'm receiving phone calls from : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I Have Opened Up a New Personal Checking Account with Truist Bank located at XXXX XXXX XXXX XXXX, XXXX, AL., XXXX On XXXX XXXX ( Bank Number - XXXX ) I Have Spoken To XXXX XXXX The Loan Officer/Bank Manager. I Had Informed Her That I Was Trying to Restart My Small Computer Business Back Since Covid First Hit. She Had Informed Me That Going With a Personal Checking Account Would Suffice. I Had Informed XXXX That The First Deposit Would Be Coming Very Soon for The Restart of The Company. 
On XX/XX/XXXX of XXXX, There Was a Starter Deposit In The Amount of {$15000.00}. 
Since Then I Have Dispersed The Funds Accordingly via Wire Transfer ( Business Associates/Parts Required/etc ). 
My Account Was Put Immediately on Hold Pending Corporate Investigation After My Second Wire Transfer ( Outgoing ). 
I Had Asked XXXX What Was The Issue, and She Said That Investigators Deemed It As Fraud. 
I Can No Longer Access My Funds That Are Currently in My Account. 
I've Spoken With Their Fraud Department and Was Told That They Didn't See a Reason for the Hold. They Informed Me That It Was With The Bank Manager, So I've Contacted XXXX Again and She Said That She Will Contact Me Latter in the Day ( XXXX ). After Her Contacting Me, She Had Informed Me That It Was Still Pending Investigation and I Would Have to Wait 90 Days Before I Can Have Access to My Funds. 
Meanwhile, I Have Needs For Those Funds. I currently Have {$1200.00} I've Contacted Fraud Department Afterwards and They've Informed Me That According to The Updated Notations, It Says Corporate Investigation in Process and That XXXX, the Bank Manager, Would Be The Only One to Contact. 
Meanwhile, I've Had to Inform My Sponsors and Investors of the Current Situation as Well as My Clients - People Are Wanting Their Gaming Systems Customized and I Can't Get Started When My Bank Stops Me From Accessing The Funds Required to Complete The Orders. 
I Still Have NOT Been Contacted By ANYONE From The Investigation Department by Any Means. 
Please Help Me Get This Resolved.

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 2022-02-10
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:
I reached out to XXXX and XXXX today XX/XX/XXXX via phone call. Equifax had me on hold and transferred me 6 times and hung up in my face. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. First I would like to point out that I at no time under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer have I given permission to any company to report or speak for me on behalf of my credit. Without me giving permission it means the credit reporting agencies have taken it upon themselves to act as me and speak for me and falsely report in my name. I want all invalid accounts and incorrect account information to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied online to Lowes CC. 
Their verification includes submitting my Social Security No., drivers license picture, and a current photo of myself. This was done via a link that was sent to my mobile phone. 
I had a problem with how to continue after the above verification and a Lowes customer representative connected me with the CC issuer who just informed me that I was denied. 
I received an email with a letter from Synchrony Bank dated XX/XX/2023 ( Ref XXXX ) that I was denied since they could not confirm my identity. 
My license was renewed last year, so my current picture is still the same, the Synchrony Bank customer representative on the phone never asked me any identifying questions before informing me that I was denied. 
Additionally, I currently have 3 IRA CDs with Synchrony Bank, It looks like the denial was based on my age and my XXXX XXXX XXXX more than any other 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 2020-03-07
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Kia Finance mailed a Property Tax Assessment letter to me, dated XX/XX/XXXX for XXXX XXXX XXXX lease XX/XX/XXXX. I filed Form 50-285 ( Lessee 's Affidavit of Primary Non Income Producing Vehicle Use ) with XXXX County. In fact, I filed for XXXX and XXXX. XXXX County notarized the form and I mailed a copy to Kia. A follow up call confirmed they received it. My issue is the letter states XXXX County Tax Collector has assessed a tax which I know they have not because I visited TCAD ( XXXX Central Appraisal District ) who confirm no tax has been assessed and they have my Form 50-285 on file. I contacted Kia and requested validated, documented proof tax has been assessed, who assessed it and if Kia actually paid it, I need that proof as well. I have called several times and have requested to speak with someone in their Property Tax Dept because the CSR 's are ill-equipped to answer tax questions. KIA will not transfer you nor let you speak with anyone in the Property Tax Dept. I even asked if the Property Tax Dep could call me, but they do not do call outs. Oh and they are quick to state your contract states you will pay any taxes assessed, but if they expect me to pay property tax, I need to see proof of the tax. FYI : The first I mailed Form 50-285, they confirm receipt of form and accepted it. Now they are rejecting it. They are non-consistent at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: AL
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:
I am making this complaint today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 

I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 

I have not given the following company permission to look at my consumer report on the dates your company Reported on my consumer report or at all for that matter. 

XXXX XXXX XXXX XXXX XXXX  INQUIRY XX/XX/XXXXXXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXXXXXX XXXX INQUIRY XX/XX/XXXX XXXX  INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY XX/XX/XXXXXXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XXXX XXXX XXXXXXXX XXXX INQUIRY XX/XX/XXXX Please see the above inquiries as well. 
The Fair Credit Reporting Act also states that the only permissible purpose for pulling someones credit report is : A ) Firm offer of credit B ) Insurance C ) A court order D ) Employment, for a firm offer of credit, a court order, insurance, or employment. None of the above applies to the inquiries on my credit report. Please erase them immediately. 

Any and all private information should be reporting as the following and other information should be deleted from my credit file : Name : XXXX XXXX Date of Birth : XXXX/XXXX/XXXX Social Security : 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