BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have the following problems that need to be investigated, unauthorized inquiries, previous addresses and employers that are not true and charge off account that is not correct and an account that is not mine, a letter is enclosed that explains everything

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
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:
Experian Credit bureau has not provided with validation of the following inquires that appear on my credit report. I have requested on several occasions for full validation of these inquiries. I do not recognize them and would like it to been taken off. Base on the law, information on this report must be accurate, no errors and verifiable. Please send proof for such with my signature authorizing this. 

XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXX/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 explanation
Consumer complaint received 2021-11-11
Company: Adler Wallach & Associates, 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:
On XX/XX/2021, I contacted AWA collections and XXXX about the item they are reporting as a duplicate account, rather increasing the total balance and collecting twice the amount ie {$10000.00}. The original amount of this debt is less than {$4000.00}. 

AWA Collections is fraudently reporting this account twice, and trying to collect double the amount, they changed the account numbers for the same debt, and increased the balances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have cancelled my MasterCard account with Fifth Third Bank since they continue to send me promotional checks tied to the account which I never use or want. I cancelled my account XX/XX/2019 and it took 20 minutes on the phone to do so.

Now, over one month later, I get more of the promo checks in the mail despite the account having been closed ( or I was told so ).

I am now over 20 minutes on the phone with them again and no one can tell me what is going on.

It shouldn't be this hard to close an account and once I have done so I shouldn't get promo checks over one month later. 
I don't trust them to properly close the account and stop mailing checks which I would be responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Experian Information Solutions Inc.
State: FL
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 XXXX has been fraudulent in their actions towards me. 
XXXX XXXX XXXX XXXX has been fraudulent in their actions towards me. My vehicle loan was through XXXX XXXX, my car was sold at auction and the Proceeds from the sale were used to pay off the remainder of the loan. A few months after I receive a letter saying I owe XXXX XXXX {$29000.00}. I called XXXX XXXX & they said they went ahead and placed Forced insurance on my loan. They said they added XXXX a year for 3 years, which is about how long I had the car. This is the most fraudulent thing I have ever seen. My car was garaged and I was traveling if there was ever a gap in my insurance & to destroy peoples LIVES by putting this on their credit. My credit has a XXXX derogatory remark because of this fraudulent behavior. How do you expect anyone to afford such an outrageous policy regardless of what kind of car it is. If XXXX XXXX does not remove this from my credit I will file suit. I will not stand by and allow this kind of behavior. How could you do this to people? How do you sleep at night, tacking on tens of thousands of dollars to people 's loans that trusted you for their financing. You are fraudulent & I will be sure to involve social media if needed. Do not send me a long response trying to explain why you did what you did, it is so fraudulent I'm sure a judge will see it that way as well. Please remove from my credit immediately

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 2022-04-05
Company: Experian Information Solutions 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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXXXXXX 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 2022-04-05
Company: EQUIFAX, 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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 cash advances

Complaint:
Dear Complaint Division Of Consumer Finance, I made a purchase of XXXX on XXXX XXXX. I called Capital One on Wednesday XX/XX/1920 to pay full payment ( XXXX ) for this item. During this conversation I was informed the minimum due of XXXX would apply to this account and the balance ( XXXX ) would be applied to the cash advance statement. He mentioned I had an outstanding unpaid XXXX cash advance balance. I was shocked because I pay my bill on time every month. I was not aware the monthly statement does not clearly show two separate payments are due. My account summary clearly state 0.00 for cash advances. I was informed payment is only made to the cash advance bill if I paid more than the minimum amount due on the bill for purchases. After being informed of this I asked the rep for a detail list of all cash advances ( laid off twice  ) since payment has never been made for years, knowing it resulted in enormous us fees and charges.I was not able to obtain a complete list. I have paid XXXX to XXXX over the minimum amount due yet it was never reflected on my statement. The extra amount paid last month does not reflect on the current statement.During my conversations with Capital One staff not one has ever mentioned the cas advance bill nor did they mention the extra amount was going to be apply to cash advances. It was never brought to my attention by phone, email or by mail of non payment for cash advance bill. This amount has double. Im happy I did not pay the XXXX by mail or online because only XXXX would have been applied and not the entire amount. I appreciated your assistance with resolving this matter. 

Thank you and eagerly await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: BAM Management US Holdings Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
In XXXX of 2021 my account trading was disabled in Binance.US. They said I had to pay back a charge. I did pay it back. Many tickets and emails have been exchanged and promises to reactivate my account so I can withdraw my finances from my Binance.US account. Still account has not been activated and my finances are still inside my account. Binance.US. Has not activated my account so I can withdraw my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
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:
I am a victim of identity theft. And as a result, false and inaccurate information were posted on my credit report. The Federal Law requires you to delete ALL accounts and inquiries which resulted from Identity Theft within a maximum of 4 Business Days from the receipt of a Identity Theft Report in accordance to the Fair Credit Reporting Act Section 605 ( b ).

I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/XXXX I DID AN ONLINE TRANSFER FROM MY SAVING ACCOUNT TO MY CHECKING ACCOUNT IN THE AMOUNT OF {$300.00}.

XX/XX/XXXX I SPENT THE {$300.00} ON A CAR REPAIR. i CHECKED MY ACCOUNT AFTER THE REPAIRS AND FOUND THAT MY {$300.00} TRANSFER HAD NOT OCCURRED. I CHECKED THE ONLINE BANKING PAGE AND FOUND THAT THE TRANSACTION HAD OCCURRED BUT HAD NOT BEEN CREDITED TO MY CHECKING ACCOUNT. I SPOKE TO SOMEONE AT ARVEST ABOUT IT AND WAS TOLD THAT THEY WOULD EMAIL THE SERVICE DESK. IN THE PROCESS OF THIS I HAD TO MAKE A SECOND {$300.00} TRANSFER TO COVER THE {$300.00} DEBIT CARD I HAD USED EARLIER. I WANT TO KNOW WHERE MY TRANSFER OF {$300.00} WAS CREDITED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Bread Financial Holdings, Inc.
State: FL
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:
The information regarding the account XXXX on my credit profile is reporting different account dates and inaccurate names of the creditor for each bureau. 

I have disputed this information with them directly but they are refusing to delete the account. 

They are reporting inaccurate information and it is hurting my financial future. 

Reporting different dates for each bureau. 

XXXX Date of last reported : XX/XX/XXXX XXXX XXXX Date of last reported : XX/XX/XXXX XXXX Date of last reported : XX/XX/XXXX Reporting different names for each bureau XXXX- COMENITYCB/MYSMLCARE XXXX XXXX- COMENITYCAPITAL/MSC XXXX- XXXX The bureaus are reporting fraudulent payment history as well regarding this account. 

XXXX : Exceptional payment history XXXX XXXX : No payment history XXXX : Reporting one month of payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern, This complaint is to inform you that as of XX/XX/2022 there have been 20 Consumer Report inquiries made in violation of federal law. Pursuant to 15 USC 1681a ( 2 ) ( a ) ( i ), the term consumer report can not be containing information solely as to transactions or experiences between the consumer and the person making the report. I, as a consumer and pursuant to 15 USC 1681 ( a ) ( 4 ), you are to respect my right to privacy and Transunion has violated my right by allowing these transactions to happen. 

The following inquiries/transactions need to be removed from my consumer report upon receipt pursuant to 15 USC 1681 ( 2 ) ( a ) ( i ) : 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 Pursuant to 15 USC 1681b ( a ) ( 2 ), consider this as 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 2022-04-05
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly.

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 2022-04-05
Company: EQUIFAX, INC.
State: IN
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: ALLY FINANCIAL INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

ALLY FINANCIAL inquired XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020

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 2022-04-05
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries were NOT authorized : XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX- XX/XX/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  - 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 non-monetary relief
Consumer complaint received 2020-04-24
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 still have accounts appearing on my credit report that are part of my identity theft case and the bureaus will not remove them from my report.

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 2020-04-24
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:
Fraudulent, Inaccurate Unverified accounts are reporting on my credit report.

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 2022-04-05
Company: Bread Financial Holdings, 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:
I pulled my credit reports in XXXX of 2022 to see what is on my credit due to my credit score being so low. Upon receipt I noticed multiple fraud accounts with opened and closed statuses. I reached out to all the creditors with no relief, so now I am submitting a formal complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Paypal had an account that they had maintained for several years. Paypal concluded, per their website, that I had violated their user agreement adn said I could then withdraw any money they had after 180 days. If this wasn't sleazy enough, they have held the money for longer than 180 days. Operators acknowledge that I can withdraw my money now, XX/XX/XXXX, becuase the 180 days has past. However, there is a " technical '' error every time i go do do that. 

If you will look at the excel sheet i am submitting, you can see that as of today, XX/XX/XXXX, it is 187 days. 

So it just seems that paypal induced me to use their service, accused me of something, but wont ' tell me what, and now won't return my money for 180 days. HOwever, tehy won't return my money after 180 days either. It would seem Paypal is just keeping myh money. Seems like a good business, 100 % profit. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Company: CITIBANK, N.A.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I ordered a XXXX present ( Laptop ) for my daughter that was supposed to be delivered on XX/XX/2020. I only opened the Best Buy Credit Card to receive the extra discount on the laptop. I never received it. This item was supposed to be signed for on delivery. When I checked with XXXX  I was told it was left at the front desk, I live in a house. I contacted Best Buy they stated their was nothing they can do, so now Im being charged to pay for something that someone else is enjoying.

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