BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: PA
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:
HELLO, I CHECKED MY CREDIT REPORT AND NOTICED UNAUTHORIZED FRAUDULENT INQUIRIES THAT I DID NOT GIVE CONSENT TO. I AM DEMANDING THESE INQUIRIES BE REMOVED WITHIN 4 DAYS AS THEY ARE FRAUDULENT. I AM A VICTIM OF IDENTITY THEFT. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. 

Account Name : XXXXXXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : : Account Name : XXXXXXXX XXXX XXXX Account XXXX XXXX Has violated my rights. 15 u.s.c 1681 SECTION 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing the following information items. 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. 



please close, delete and remove this account from my credit profile as it was opened and used without my authority as a result of identify theft and fraud

Company response to consumer: In progress
Consumer complaint received 2023-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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 Capital One Acct ending in XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Account status incorrect

Complaint:
I sent Infiniti finance an instrument to set off the debt which they accepted but never applied the amount to my account this was back in XXXX of 2020, so the debt has already been satisfied. Pursuant to the UCC 3-603. TENDER OF PAYMENT. 
Primary tabs ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. 

So if Infiniti finance refuses to accept the international bill of exchange the bill is discharged by payment in due course Payment in by or on behalf of the drawee or acceptor.

I am in the process of buying a home and this fraud reporting will affect the process in a negative way but before that report was placed I told Infiniti finance that the vehicle was traded in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$0.00}.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Dear Sir/Madam, Subject : Dispute of Inaccuracies in Credit Report Pursuant to FCRA 15 U.S. Code 1681 ( b ) ( 2 ) I am writing to bring to your attention a matter of significant concern regarding inaccuracies present in my credit report, even after providing evidence to credit bureau agencies . Pursuant to the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681 ( b ) ( 2 ), I have taken appropriate steps to rectify these errors, yet they persist. 

Despite submitting evidence to the credit bureau agencies, the following inaccuracies continue to be reflected in my credit profile : Inaccurate Addresses : XXXX. XXXX XXXX XXXX, XXXX, MICHIGAN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MICHIGAN XXXX Inaccurate Name Variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The sole accurate and correct information pertaining to my address and name is : - XXXX XXXX XXXX These inaccuracies are not only damaging my credit profile but also could potentially impact my financial standing and credibility. Despite submitting supporting proof to the credit bureau agencies, the incorrect data remains, which is a direct violation of FCRA guidelines.

I respectfully request the Consumer Financial Protection Bureau to conduct a thorough investigation into these persisting inaccuracies in my credit report and take the necessary steps to ensure their immediate rectification in accordance with the FCRA guidelines. 

Enclosed, please find copies of the evidence previously submitted to the credit bureau agencies for your reference and review.

I kindly request your prompt attention and resolution to this matter and seek confirmation of any actions taken within the stipulated timeframe mandated by FCRA. 

Thank you for your immediate attention to this matter. Please do not hesitate to contact me at if further clarification or information is required. 

Sincerely, Enclosures : Copies of previously submitted evidence to credit bureau agencies Please ensure to enclose copies of any proof or documentation you submitted to the credit bureau agencies, highlighting the discrepancies for the CFPB 's review.

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 2023-03-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Name - XXXX XXXX XXXX Account number- XXXX XXXX XXXX XXXX XXXX  This account was disputed before and after payment to the collection agency with no problem being resolved. This account is being reported in error on multiple CRA 's. According to the FCRA 611 subsection A, Chapter 1 ; A bureau re-investigation is in order whenever a dispute is returned as validated without a correction being made. 
This account is being reported as having multiple late payments on the XXXX credit report, yet on XXXX as a collection it states this account never missed a payment. Then on Equifax, this account has multiple months of missed payments not being reported which according to the FCRA 611 ( 15 U.S.C. 1681I ) chapter 5 section A, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of information if found to be inaccurate, incomplete or unverifiable it must be promptly removed.

According to 609 Disclosures to consumers [ 15 U.S.C. 1681g ], Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. This account is not being reported accurately across all three CRA 's and asking for it to be promptly removed due to the length of time these inaccuracies have been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that TransUnion showed two ( 2 ) credit inquiries that I find to be problematic. 
The first inquiry in question was apparently made by XXXX XXXX on XX/XX/2019 and Second inquiry was made by XXXX on XX/XX/2019. 
I contacted TransUnion Three ( 3 ) times and asked them to take action to get these two ( 2 ) inquiries removed from TransUnion credit report however after send letters and speak with TransUnion customer representative these two ( 2 ) inaccurate inquiries are still in my TransUnion 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 2020-01-07
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to remove the security freeze off of equifax for 30 days. I'm so tired of these foreign people. I've sent in passport, drivers license and utility bill and they keep giving me the run around. Talking about I have a mixed file. I have no issues with XXXX or XXXX. I just moved and updated my address with all 3 credit bureaus and sent in all documents. I will also attach documents along with this complaint. I keep getting hung up on when I call. So I want to file a complaint and if this doesnt get resolved. I will file a law suit against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed by a person who said they would move into the apartment. They sent in a fraudulent check of XXXX and asked to be sent XXXX which was excess of the security deposit as a moving fee. I got a money order from TD bank ( XXXX ) And deposited to said persons account at XXXX XXXX on Friday XX/XX/XXXX. The original check has now bounced ( placing my TD bank account in negative ) and I am trying to get the sent money back and the criminal persecuted. 
The bank account the lost funds ( {$1600.00} ) were placed into was : XXXX XXXX Routing : XXXX Account Number : XXXX Swift code : XXXX I have all the receipts to support this. The money deposit transaction number into the scammers account was : # XXXX XXXX at XXXXXXXX XX/XX/10 at XXXX XXXX branch # XXXX XXXX XXXX XXXX , CT My bank ( TD ) has refused to cancel the money order and XXXX XXXX have not been helpful as well I have opened a case with the XXXX XXXX Police ( case number XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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. 

i have not received any money from this company

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 2023-08-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any information which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove the following items. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$900.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$50.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is a continuous issue with Citibank. On XX/XX/20 I deposited a rental check for {$950.00} {$200.00} were placed on hold til XX/XX/20. OK. A check for {$220.00} was presented on XX/XX/20 by error from the contractor. The {$200.00} previously on hold was released XX/XX/20 the exact date the {$220.00} was ret'd-see attached. There was more than enough monies in the account to pay it. Further Citibank charged my account {$34.00}. NOTE : XXXX my contractors ' bank only charged {$12.00}. Therefore I was penalized {$46.00} plus my reputation in jeoparty. 

Citibank has become robotic, no Consumer service what-so-ever. Long lines & waits each time, ridiculous system on deposits with 2 or more slips to a transaction which has added to the already long lines & delays making each transaction a big deal-TOO COMPLICATED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: PA
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 confidentially under 15 USC 1681. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX 's, XXXX Act Name XXXX XXXX XXXX XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received courtesy telephone call from Kohl 's Credit in XX/XX/XXXX. The Representative of Kohl 's Credit advised me that I needed to make payment on my credit card. I explained I would and the Representative stated that I needed to pay {$200.00} ; I explained I absolutely did not have that amount to pay at that time. During close of the conversation the Kohl 's Credit Representative wanted to confirm all my account information which I did including my checking info. Again, I never gave the Representative express authorization to take the {$200.00} from my checking especially on the XXXX of the month when I don't get paid until XXXX. On or about XX/XX/XXXX I discovered Kohl 's Credit withdrew {$200.00} from my checking causing detrimental financial hardships by causing overdrafts in the sun of {$180.00} as well as clearing my account to zero ( or in negative status ). This caused me undue hardship as I have an XXXX  child who has needs and I had absolutely no monies due to the unauthorized payment in sum {$200.00}. I was unable to take my child to therapy or his doctors appointments. Kohl 's gave me the impression they would immediately rectify the unauthorized payment but later that same day I called Kohl 's demanding immediate credit I was advised something entirely different stating they had to conduct an investigation. I asked if they were going to pay all the overdraft fees I incurred and was unable to get a clear answer in this regard. 
This is in direct violation of the Federal Fair Credit Act wherein it states a creditor can not withdraw funds from a consumers checking account WITHOUT EXPRESS AUTHORIZATION. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been unable to locate my 2nd Lien Account. Last Assignment of Record is GMAC Mortgage Corporation in XXXX. In XXXX The  Company was transferred to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Maximus Education, LLC dba Aidvantage
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Prior to the current student loan servicer, I reached out to XXXX for an audit of my account on several occasions, but never received one. Upon further review of my account, my payments over the life of the loans, capitalized interest, unpaid interest, and loan balances do not add up and some initial loan amounts have the wrong amount borrowed. I have incorrect XXXX forms. 

XX/XX/XXXX - I received an email from AidVantage ( new student loan servicer ) that my IDR was approved for {$500.00} from XX/XX/XXXX to XX/XX/XXXX. 

XX/XX/XXXX - I received another email stating my IDR monthly amount was {$580.00}. 

XX/XX/XXXX - I logged into my account and discovered that the payment due is {$2000.00} ; so I tried calling them and was on hold for XXXX minutes without speaking to anyone. 

XX/XX/XXXX - I tried calling again at XXXXXXXX XXXX  CST and was on hold for XXXX hours and XXXX minutes without speaking to anyone. 

XX/XX/XXXX - I emailed the them to the email I received stating my IDR was approved, but received an automated response that this was email account that is not monitored and to either call or login my account and send them an email. 

XX/XX/XXXX - I logged into the account and sent a message for an explanation of why my monthly payment is showing to be {$2000.00} due XX/XX/XXXX when I have an approved IDR for either {$500.00} or {$580.00}. I received an automated email stating that I can expect a response from one of our Customer Care Specialists within XXXX business days. No response to date. 

XX/XX/XXXX - I logged into the account and tried chatting with a representative ; the chat session ended automatically with a message to try back later. 

XX/XX/XXXX - I sent another message within the account requesting an explanation of my accounts and payment. I received an automated email stating that I can expect a response from one of our Customer Care Specialists within XXXX business days. No response to date.

Company response to consumer: In progress