BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-23
Company: Experian Information Solutions Inc.
State: CT
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:
Leased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. The care was in an accident on XX/XX/19 and subsequently declared a total loss by XXXX. XXXX paid XXXX in XX/XX/2019 for the loss and I had made the XX/XX/2019 payment just in case there was a lag in the insurance payoff. At the time of the XXXX payoff my account was not delinquent and should have been close at that time. The account has not been closed as of today XX/XX/19, I am owed {$3300.00} dollars that XXXX has not remitted and they have reported me as thirty and sixty days delinquent. I have spent several weeks trying to resolve this with XXXX financial to no avail and I now need help from their regulator.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXXXXXX Account number XXXX XXXX5 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 of 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 2018-02-18
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
- Opened a personal checking account at Huntington bank on XX/XX/XXXX - Deposited {$2000.00} via personal check of my spouse on XX/XX/XXXX - Deposited another {$2000.00} via personal check of my spouse on XX/XX/XXXX - Account freeze for verification. Received a letter that the fund will be held until XX/XX/XXXX.

- The fund is cleared from the payer 's bank on XX/XX/XXXX - Account still freeze after XX/XX/XXXX. Talked to a supervisor via phone customer service. Received an answer that the fund will be held for 30 days. The date that the supervisor gave is XX/XX/XXXX - After 30days the fund is still held and the account is still locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: MD
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:
applied for home loan and found this account on credit report. this account isnt mine and this is fraud account 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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act, 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 : it also state a consumer reporting agency can not furnish a account without my written instruction. 
15 U.S.C. 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.

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 2019-09-16
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:
XXXX XXXX XXXX is reporting XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they are incorrect. I asked for verification, but they have not provided information and keep reporting it on my credit reports.

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 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Leased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. The care was in an accident on XX/XX/19 and subsequently declared a total loss by XXXX. XXXX paid XXXX in XX/XX/2019 for the loss and I had made the XX/XX/2019 payment just in case there was a lag in the insurance payoff. At the time of the XXXX payoff my account was not delinquent and should have been close at that time. The account has not been closed as of today XX/XX/19, I am owed {$3300.00} dollars that XXXX has not remitted and they have reported me as thirty and sixty days delinquent. I have spent several weeks trying to resolve this with XXXX financial to no avail and I now need help from their regulator.

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 2023-02-01
Company: WELLS FARGO & COMPANY
State: NJ
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:
I bank with Wells Fargo. Countless times my account was hacked, changed debit cards, unauthorized money was taking out x amount of times. I even had to pay my own money to do stop payments which are charges of {$31.00} dollars. Wells Fargo is horrible with security. I was made to have overdraft charges due to these instances. 

Then I was forced to changed bank accounts more than once and occurrences still happened. Even last year once my tax deposit got sent into my account I was hacked. How is this not questionable?!

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 2021-11-27
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 status incorrect

Complaint:
Experian said that they cant change the report despite the facts I submitted with documentation from lender of payment history. I paid as agreed before, during and after bankruptcy. The reporting of bankruptcy should be in the notes section not under payment status which leads to falsely accusing me of being derogatory or delinquent. 
Currently, the reports show I was delinquent or derogatory which is a complete lie and is defaming my name and who I am as well as causing the purchase of new home impossible due to lower credit score based on derogatory statements which is causing me major quality of life issues. This is totally unacceptable and defamation against me. Please remove statements of derogatory and or delinquent as well as possible derogatory or delinquent comments because I was not. I provided documents from mortgage lender, a complete copy of payment history which clearly shows I paid as agreed. To report I was derogatory is crazy wrong and I deserve the truth to be reported on all my credit reports from all agencies. XXXX and XXXX have no problems reporting the truth so I dont understand Experians problems. U must not be allowed to defame my actions as a result of bankruptcy which I was not informed of the reaffirming process due to many lawyers inability to inform their clients. I paid as agreed so remove all derogatory and delinquent statements because they are false!

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 2023-02-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was leaked on to the dark web and used to purchase a vehicle from XXXX XXXX XXXX XXXX, the following accounts is unauthorized and unverified : XXXX Account # XXXX, Experian Account # XXXX, XXXX Account XXXX XXXXXXXXXX****. I am writing this report in hopes to get the problem resolved as soon as possible. I uploaded a FTC report as well as my Driver license and bank statement for proof of address. thank you very much...

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 2020-07-16
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I looked at my XXXX  credit report and noticed a collection account on there from Receivable Performance Management LLC. I sent them a debt validation letter because I thought it may have been a mistake since I didnt get a notice or a phone call. On XX/XX/XXXX, they sent me a notice and an offer to settle which I should have got before they reported to the credit bureau. I called them to settle the issue. All they tried to do is make the debt out to be mine. They were supposed to email me a fraud letter but I never got it.

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 2018-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Faxed and called all 3 credit reporting agencies with proof of paid in full statement from creditor. However credit reporting agency still have not corrected 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 2017-09-25
Company: Bull City Financial Solutions, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On several occasions I have contacted Bull City financial Solutions : XXXX XXXX XXXX XXXX # XXXX, XXXX, NC XXXX about a {$330.00} debt on my account for a account at XXXX XXXX. I have submitted letters stating this debt is not mine at no time did I authorize services in my name nor have I had them. I sent proper documents stating this that they have requested and they have refused to respond nor remove this item from my credit report. It has been more then enough time for this item to be removed.This debt does not belong to me and I have provided more then enough information to show this. I do not know what else I can do to get this removed they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: GA
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:
Experian, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. THIS STATEMENT IS COMING DIRECTLY FROM ME THE CONSUMER. The identified transaction is not information related to any transaction by me the consumer. DELETE OR BLOCK THE FOLLOWING ACCOUNT ( XXXX XXXX XXXX XXXX  ). You are required to do what I am requesting and block this transaction from being reported on my consumer report within 4 days from the date of receipt of this notice.

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 2020-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I purchase a puppy through a website on XX/XX/XXXX, sent the money through XXXX {$600.00} but never received the puppy. I have sent messages and emails to the company but no return from them. I XXXX  the company 's website for reviews to find out that the company is a fraud a scam. I called my bank and they told me that they are not responsive and I should call XXXX. I called XXXX many times but I was not able to talk to a customer service. I believe that the bank or XXXX should be responsive for allowing a scam company open an account with them. Shouldn't them be more careful and protect us, their customers?

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 2020-11-28
Company: KEYCORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I went to buy an new car XXXX XXXX  XXXX XXXX  from XXXX XXXX. I got the loan through key. It was an very busy holiday weekend. The sales rep XXXX had humus sitting around until 5 minutes before close of business. Was there for over 6 hours waiting. She made me go fill the car with gas. 
The next day I notice the car windshield was full of scratches. I left many message no respond. 
In the never got the plates in or the information about the loan. I called the Financial women many times no response. Decided to drive down there they give some number to call XXXX. That only for personal banking. Finally get the XXXX the Financial manager. She called the Vice President of the bank. He said we stopping auto loans in XX/XX/2020 we did away with the department. When I call I get some odd answers or no help at all. 
They way the bank is treating me is odd. It seems that that they treating me like I have had credit and got and an very high interest rate. They told I have to XXXX to pay for my car in person. I live in NJ and Im driving three hours one way to go make an car payment monthly. They also, told my checks are invalid. 
I had an nice women call from the bank she said to me something not right so, calling to get information from you. I told have gotten an statement and the contract doesnt say where make an payment to or an phone number or an loan number. She was going pull up the document She asked was my company hand written? I said no. It is an carbon copy that typed. She said that could he the problem. It this loan is void or not. She said was calling the dealership and to find out what happen. 
Fast forward did some research of my own. I learned in key website you have live in certain state to get an auto loan through key. NJ is not on the list for that. 
I did more research and learned not taking my check they think Im high risk and that why want to pay in person. 
Well, that clued me and realized I had an problem with M and T bank and reported reported me to XXXX. It was an mistake at the bank on XXXX, No. the Bank had it removed From XXXX. I found it wasnt removed. There an problem at XXXX. I tired calling but just telling to put in an dispute against the bank. The problem is that XXXX  did not remove it. I called the bank and on there end was removed XX/XX/2020. I asked them what I do with the loan. Guy just kept on repeating himself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
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:
Credit acceptance has been reporting late payments since XX/XX/2020. My car was totaled last year in XX/XX/2020 and the insurance company sent Credit Acceptance a check. I was unaware there was a balance due on my loan. Nobody from the company has contacted me nor sent me anything in the mail about the remaining balance. This account is reporting open when this account should be closed or either charge off. It is my right to have an accurate credit file and errors like this are detrimental to my financial well-being.

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 2020-12-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Inquiries that have no permissible purpose to appear on my credit report FDCommunity XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I'VE CONTACTED EACH COMPANY AND THE XXXX, EQUIFAX XXXX XXXX  AND ASK FOR PROOF THAT I CONSENTED TO THIS INQUIRIES WELL AS THE ACCURACY OF THESE INQUIRES AND I SENT BACK AND FORTH IM NOW REQUESTING DELETION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: REGIONS FINANCIAL CORPORATION
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:
I Have Identified information on my reports as a result of identity theft.Items are not the results of any consumer transactions made by me. Here are some of the companies attempting to collect monies unlawfully : XXXX, REGIONS BANK CREADIT CARD, 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  REGIONS BANK, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the named ( soe ) COMPANIES are a pairing the efficiency of the banking company.The continued reporting informtion is improper utilization of 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 explanation
Consumer complaint received 2019-09-16
Company: NAVY FEDERAL CREDIT UNION
State: AZ
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:
my name is XXXX XXXX My name and personal sensitive information was used to opened to credit cards with navy federal credit union. The cards was opened and maxed out and are now reporting negatively on my credit report. I filed a police report with the location it was opened XXXX police department. my police report number XXXX. The date the accounts was opened on was XX/XX/2017 and to this day of me reporting them its still showing on my credit report. I also have disputed the information with the XXXX and they still decided to report this fraudulent information on my credit report. The results of this fraud has also led to have my personal information as far as my address reported wrong and cellphone number as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: ALLY FINANCIAL INC.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally Financial agreed multiple times to remove a late payment from being reported to the credit bureaus after the loan was paid in full and completely closed. The dealership did not report the numerous problems with the vehicle before purchasing and a I was stuck with multiple thousand dollar repairs. They have agreed multiple times to delete the late payment.

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