BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've contacted Transunion Consumer Solutions via telephone on the following dates when I noticed a collection that was paid reporting to my consumer report without my consent. 
XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX amount : {$180.00} Ive also sent certified mail on XX/XX/2022 stating that the account was being reporting without my consent and as an inaccuracy. No help has been issued from their side but a response saying verified. This paid collection has been hindering my family and I from being able to build relationships with financial institutions because I'm being denied for credit. This is the only collection I have ever received and only collection reporting. 

I attached the letter that TRANSUNION replied with and my credit report showing the collection reporting. 

In accordance with the Fair Credit Reporting Act, 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 1691 section 604 A section 2 also states : A consumer reporting agency can not furnish an 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 2023-07-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Two fraudulent credit card applications were entered into without my consent or knowledge on XX/XX/2022. A letter from one of the banks XXXX XXXX XXXX XXXX  ) was sent to me via U.S Mail for additional information to to make a decision on the credit, which tipped me off something was wrong. I immediately reviewed my credit reports and noted an additional bank ( Capital One ) made a hard inquiry on my account as well. 

I put a fraud alert and credit freeze at all 3 credit reporting agencies. I contacted both banks to inform them the applications were fraudulent. I called the local police department where a a police event # was created. The officer said no police report would be filed as nothing was yet stolen. 

The end result was no credit cards were yet issued in my name, however the hard inquiry from Capital One still exists and is affecting my XXXX  scores. 

On a final note, I noted the XXXX credit report included a Inquiry analysis from Capital One where information was given about me from the perpetrator with the a different address and phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Experian Information Solutions Inc.
State: CA
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:
Called Experian file an dispute. The balance on my XXXX XXXX  account is XXXX. After the dispute result Experian said XXXX claim the balance is XXXX as of XX/XX/2019 this is not true. This has affected my credit rating very badly.

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 2023-02-27
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:
I contacted Experian, XXXX, and XXXX multiple times in 2022 XXXX through XXXX to remove this incorrect information and negative accounts from my consumer report. They always respond back and say they have " verified '' with the company that the information is correct. But have yet to provide any proof, This company is breaking the law in multiple ways. 

15 USC 1681 s-2 says you are a furnisher of information.

YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect information immediately.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 
person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

These laws are very clear! 

I want this negative information and accounts removed from my consumer report immediately! 

I also have my submitted FTC report attached XXXX XXXX {$7500.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX  {$560.00} XXXXXXXX XXXX XXXX {$1900.00} XXXX XXXX {$5900.00XXXX XXXX XXXX {$4400.00} 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 2022-01-12
Company: EQUIFAX, INC.
State: TX
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 submitted a dispute by mail to Equifax regarding a 60 day late payment being reported by XXXX XXXX which is incorrect. Equifax failed to conduct an actual investigation and provide supporting documents showing why they are stating the late payment is valid. I requested their method of verification and that was also dismissed. I filed a CFPB complaint and Equifax closed the case which makes no sense how that was allowed based on their reason which was once again generic and did not make sense either. No actual ethical investigation has been completed by Equifax or this payment would already be deleted. Equifax responded with " we hope this resolves your concerns '' but left out how it may have resolved my concerns as there was no information of the action they took other than closing the complaint. Equifax needs to be held accountable for their lack of investigation and inability to provide supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: WA
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:
An acollection account has been added to my credit report which is fraudulant It is not my account I ask exuifax and XXXX to remove from my account and have not removed it. the account added is XXXX original creditor is XXXX XXXX this was never my account I am requesting this account be removed immidiately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/2023 I received a letter in the mail informing me that my auto loan with Bank of the West was being transferred to BMO BANK. All future payments beginning XXXX XXXX were to be made to BM0 Bank, On XXXX XXXX I authorized XXXX XXXX XXXX to send BM0 Bank {$900.00}, ( XXXX XXXX XXXX  ) from my checking account, This transaction was made by electronic banking services which I use to pay my bill, In the authorization of this first BMO payment I entered an inaccurate account number. To this date BM0 has denied receiving the payment XXXX XXXX XXXX  has been assisting in tracking this payment, Numerous telephone calls have been made and recorded by both banks. As of our last XXXX party conference call on XXXX XXXX, B3M0 Bank disconnected the call abruptly with no resolution or explanations, XXXX XXXX XXXX  informed me they will have their legal debt, review the matter and suggested I report this matter to The 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 2018-05-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I recently signed up for an XXXX XXXX AAdvantage card from Citibank. After I received the card in the mail I called and asked to have how I earn miles explained. I was told how the miles for purchases were calculated and also that if I spent {$1000.00} I would receive " bonus '' miles. After I spent this amount I called to ask when these miles were posted and told that I was not in fact eligible for this offer, which made me wonder why in fact 1 ) the offer to sign up for the card mentioned this " bonus '' and 2 ) I was encouraged to spend {$1000.00} in order to receive the bonus. 

I find the conflicting information given by Citibank confusing if no outright dishonest.

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 2023-08-16
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: Was not notified of investigation status or results

Complaint:
I am emotionally frustrated and disappointed to lodge this formal complaint against the credit reporting agency. Despite my numerous disputes dated [ INSERT THE DATE OF DISPUTES ], XXXX, XXXX, and Transunion have callously disregarded my previous requests. Their failure to uphold reasonable procedures to ensure the utmost accuracy, as mandated by 15 U.S.C. 1681e ( b ), in the credit reports they publish is deeply disheartening. According to 15 U.S. Code 1681i, it is clearly stated that XXXX, Transunion, and XXXX are obliged to conclude the investigation within 30 days from the date they received my dispute and provide a response. However, to my immense frustration, I have not received any response, nor have they taken the necessary steps to address the inaccuracies present in my credit report. 
I've also included the dispute letters that I sent for your reference. I'd like to point out the urgency of the situation and demand that the inaccurate information on my credit report be removed. This demand is based on the violation of both 15 U.S.C. 1681e ( b ) and 15 U.S. Code 1681i. I am disappointed that the credit rating agencies in question have not reacted quickly to my complaints. It is worrying and aggravating the situation in question that such a lack of urgency has not been addressed. In addition, the information they have provided is not merely incorrect but also misleading. This error of reporting is a significant and material mistake on the part of them. 
According to 15 US Code 1681a ( 4 ), consumer reporting agencies must respect my right to privacy but clearly, my right to privacy as a consumer has been violated by you publicly reporting this information when I never gave your organization permission to report my 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 2023-10-02
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I just wrote out the entire situation over the course of an hour and a half and while uploading documents - the entire state my disappeared. Its now very late I am Unwell Amd tored. May I just say that for the past 3 years I have been living a nightmare situation thanks to Kia Finance continuing to do Erroneous, illegal and frankly inane accounting with my account. They have refused to do anything to correct or even look into it and instead have co stantky taken my payments applied them them declined them then charged me a late fee and an INSUFFICIENT FUND fee ( when I always had the money in the bank and offered to provide them with statements from the cabinet which btw never charged me any fees because they never had to! This has caused my credit score to drop so low ( XXXX ) and is the only thing on my credit report but because of how low it is I cant even try to get rid of this car because I wouldnt be approved for a loan. I cant even now upgrade my cell phone ; move out if my apt or even get a secured credit card! And ironically also caused my car insurance to go up to {$300.00} per month and only due to my credit. Its the only thing on my credit report. They are now sending me letter after letter and call after call threatening to repossess the car when I make payments every month but wont pay the additional erroneous charges. They have made every aspect of my life a nightmare and I fear its because I had initially initiated a lemon law suit against them during the first year of ownership which I had to abandon after months because they refused to cooperate with my attorneys in any way and I could not afford the retainer required to move forward. 
Yo m

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 2023-08-03
Company: Telsa Motors Inc
State: MO
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: Was not notified of investigation status or results

Complaint:
I am a XXXX XXXX XXXX  and I have tried sign into Tesla 's Partnership program as a XXXX for the XXXX XXXX XXXX XXXX to install are become a partner. Tesla has denied me the opportunity to do so but they have included other all XXXX companies to do so. I am XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: GUARANTEED RATE INC.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We accepted an offer on the purchase of our current home on XX/XX/XXXX. We were told the buyers were approved for the agreed purchase amount through a USDA backed program. A settlement date on or before XX/XX/XXXX was targeted and agreed upon by all parties. On XXXX we were told appraisal came back at contracted price with no repairs & file from the lender was being sent to USDA that day. We were told to be prepared to be out of house & close XX/XX/XXXX. We rented a storage unit & spent holiday weekend moving out. We purchased & scheduling deliveries for appliances & furniture for new home. On XX/XX/XXXX we were told there had a been incorrect information. Paperwork NOT filed with USDA. Told buyer had a XXXX and was slow to turn in required documentation. Settlement postponed to unknown time. We spent a lot of time and more money postponing/rescheduling deliveries and rescheduling deactivation of services at current residence and new services at new residence. We had to extend rental agreements for storage. We required daily updates from buyers team in extension contract. Updates were not received as agreed- vague and late. Our realtor reported having to request multiple times some days to get update. We couldn't get a clear date/time, plan, or explanation about what problems were. suspicious there was something more than USDA back log. Our extension expired XX/XX/XXXX. Were told conflicting information about USDA processing time but to plan for closing sometime week of XX/XX/XXXX. We were told it was rare for USDA to not approve a file. We were encouraged to move out again and also arrange for utilities, mail, appliance delivery etc at both residencies. On XX/XX/XXXX at XXXX, we were informed the USDA did NOT approve the application and that more documentation was required by buyers. Believe there is risk that this couple is not qualified. Spent XX/XX/XXXX and XX/XX/XXXX moving back in and once again, establishing/canceling services, delivers etc. spent hours on the phone with utility and post companies. Had to reschedule XXXX year old sons birthday celebration and spend time at home waiting on XXXX to fix re-connection issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Experian Information Solutions Inc.
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:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX NA XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX COLLECTIONS XXXX XXXX {$7700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$9900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$530.00}

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 2023-12-20
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: Account information incorrect

Complaint:
I notified the company that is reporting this inaccurate information information that is not mine and the furnisher has not responded. I also contacted the credit reporting agencies reporting this information which is XXXX who sent me a response but it didn't mention anything about a verification, only that they would contact the company reporting this information and TransUnion never responded.

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 2023-02-27
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received text messages between XX/XX/XXXX and XX/XX/XXXX stating that I had purchases at IKEA to pick up. The locations were at IKEA XXXX ( XXXX, FL ) and IKEA XXXX ( XXXX ). I immediately checked my internet account and no such purchases were there. I also checked all of my debit and credit cards and there were no such purchases found. About a week later, I received an IKEA Project Card in the mail. 

I called IKEA and reported it on XX/XX/XXXX. They sent me to a FRAUD line that never picked up. I tried a few other occasions and could never get through. When the Lender called me on XX/XX/XXXX, they put me through the FRAUD line and an investigation has finally started. Before then, the Lender mentioned to me that the purchases were made at a MD store. That is different than what I received on the text messages. The card bill I received does say MD and the amount of {$300.00}. I am worried there may be more than one account because when I call in with my number the balance was {$800.00} in XXXX. 

Once I reached the FRAUD line, they said they would start an investigation. They also stated that the email attached to the account is a different one than the one I told them today, which may explain why these purchases don't show up on my internet account. 

The account is in the name of XXXX XXXX. I have updated my name to XXXX XXXX XXXX for my IKEA account since XXXX or XXXX of XXXX.

Company response to consumer: Closed with monetary relief