BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: EQUIFAX, 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:
Hello, I am writing to inform you of the devious practices being conducted at Equifax. The three credit bureaus have collectively damaged my quality of life with inaccurate reporting on my credit report, but Equifax has causing detriment to the livelihood of my family with the current reporting on my credit report. These reportings consist of wrong addresses, duplicate inaccurate accounts and closed accounts being reported as being paid late to name a few. These reportings also have lead to me being denied credit, elevated cost due to higher interest rates and my family 's right to life, liberty and the pursuit of happiness being diminished. The business conducted with Equifax is deplorable as they have also reported these things without my knowledge or permission denying my rights to privacy and the fair debt collection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Since XXXX, there has been unauthorised transactions on my account. I reported the transactions the same day at the branch, and I was told that I needed to contact the merchant, which I did. The bank did not cancel my card when I reported the unauthorised transaction While I was waiting responses from the merchant, the fraudulent transactions continued to take place, and I continued to contact those merchant. 

It was in late XXXX when I tried to contact the bank, and I was promised that they will investigate the claims I have lodged. However, they never did look into the transactions and refused to dispute the unauthorised transactions without any evidence. 

My financial loss totals up to more than {$4000.00} dollars, and I did not receive a fair response. 

The regulation XXXX of the XXXX protects me from unauthorised transactions if I reported the transactions within 60 days. The bank has violated this law for its refusal to dispute the transaction despite these transaction being clearly fraudulent.

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 2018-02-10
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 status incorrect

Complaint:
I paid my account about 3 months ago and its still showing up on my credit report. I contacted the collection agency and they said its an Experian issue and they need to update their records.

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 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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 no knowledge of these hard inquiries. The hard inquiries are a result of identity theft and must be removed no later than 4 business days. As per 15 usc 1681c-2 block of information resulting from identity theft. 
Four attempts have been made to cure fraudulent reporting : XX/XX/2023, XX/XX/2023, XXXX XXXX another business location, XX/XX/2023. ( See attachment ) XXXX XXXX XXXX  ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXXXXXX XXXX ( Bank ) XX/XX/20XXXX XXXX XXXXXXXX ( Bank ) XX/XX/2023 XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXXXXXX 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 2023-01-27
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Checks were stolen while I was XXXX  and used to open a bank account with XXXX XXXX. When I discovered this, I immediately contacted local law enforcement who was reluctant to take a report, refusing to take an in-person report. I was told to handle it with the bank and that there was nothing the police could do. Finally, after months of not being able to get an answer from XXXX after sending in everything I needed with an affidavit disputing the checks used to open the XXXX account ( which XXXX keeps denying ) and having called every 3 days for over a year being ignored, sent me a notice that they will not help me recover my funds because I didnt cooperate with law enforcement when it was law enforcement that refused to cooperate with me. I have since reported this to XXXX. Nobody will take responsibility despite prompt reporting of the situation and evidence that funds have been grossly misappropriated and handling this situation where XXXX has been on conference call with XXXX and denied it removing funds from my account, has been devastating especially whiXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRUIST FINANCIAL CORPORATION
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX un authorized hard inquiry on my report. Regional Acceptance XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXUN Authorized hard inquiry on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX CA XXXX. UN Authorized hard inquiryon XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ks, XXXX. UN Authorized Hard inquiry 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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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. 

Account Name : XXXX XXXXXXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2017-07-30
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX2017 I received a letter from southwest credit stating a debt of {$170.00}, I then had 30 days to dispute the debt in which I did. I sent a certified letter via USPS on XX/XX/XXXX along with a debt validation letter. On XX/XX/XXXX my credit report then reported a debt of {$170.00} and I received a letter from southwest with a copy of a cable bill on XX/XX/XXXX. This violates FCRA guidelines, for record this transmittal has been screen shot and will be submitted to my attorney as well as fox5 for deceptive credit practices.
I have no business or relationship dealings with Southwest and have no signed agreement or contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S. Code 1681c2 - Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the fi le 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 XXXX 15 U.S. Code 1681b - Permissible purposes of consumer reports- In accordance with the written instructions of the consumer to whom it relates, I never gave bureaus written consent to report the following accounts and inquiries.

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 2022-10-19
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
As A Creditor I extended my credit In A consumer credit transaction with XXXX XXXX XXXX and XXXX of XXXX, Ga XXXX XXXX XXXX I was mislead, Approved with out Authorization and my credit app was altered. After Checking My Credit report XXXX seen that they submitted my application. So, I requested a copy of my credit application and it was Granted without my consent. Also, asked that I pay XXXX dollars down. Which isnt lawful when my Extension of Credit/Federal Law Says As Citizens all debts are deferred Also Ally Financial Denied My Extension of Credit and The under Writter Mislead me Saying that they cant answer my Question but U.S Code Title 15 ss 1611 States False information and Misleading of Credit and by law thats a XXXX fine or up to prison for 1 year or both. As a Consumer Protected by Law I dont feel protect and will take these matter further if need be.

Below is a list from my credit report of the first 4 financial institutions running my credit without my written consent through XXXX XXXX and XXXX of XXXX, Ga

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 2023-12-05
Company: American Credit Acceptance, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit reporting act this creditor has violated my rights under USC 1681 section 6 o 2 states i have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my instructions under 15 USCS 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 2023-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I contacted my bank about an extreme amount of fraudulent charges from my checking account. At the time, there was over {$700.00} of charges that were not made by me or my spouse. There were pending charges of approximately {$120.00}. I was told once they cleared, I was to contact the bank again. When I did, they only reimbursed the approximate {$120.00} and said they needed to research my dispute. Some of the charges included Waiter and XXXX which are not even available in our area. There were charges from XXXX and XXXX which my spouse has never ordered from. I received their decision letter on XX/XX/XXXX, stating that because we had the debit card in our possession, they could not reimburse me. I appealed the decision and received the appeal decision dated XX/XX/XXXXXXXX  stating that they stood by their decision and I would not be reimbursed. I do have the bank statement showing all of the purchases and dates. The claim # from Capital One is XXXX. If any more information is needed, I can be contacted by email or phone. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX email : XXXX ph : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
When I want, the problem is when I went to buy the car the car had almost XXXX miles on it. They told me they were going to give me the car for {$50000.00}. I gave {$3000.00} down payment and they went through all the contracts and everything I signed whatever I had signed, but I never received the contract, when my first payment came supposedly I was going to pay {$700.00}. My first bill came to {$1200.00} so I called them and I said there's something wrong and they said no this is what we have. This is what you have to pay you have gap insurance you have this you have done this this, I said I didn't want none of that and I called to see when I was going to receive my contract, when I receive my contract I see that they charge me XXXX for the car XXXX not the XXXX that's the problem I'm having you know I have been paying the car and trying to get this fixed with them but they say they can't fix this if I am giving the car, my credit will be affected. I will have a repo and things like that so I don't wan na mess up my credit so I need help and I don't know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient has failed to let me know when interest will be capitalized on my loans and why. It seems to be at random and sometimes multiple times in the same year. They do not call or inform me when this is about to happen. If a reapplication for a payment plan is missed, they had suggested temporarily stopping payments until the plan was renewed. They failed to inform me that once it resumed once again interest would capitalize. This has made my initial loans go from about 44,000 to now owing XXXX. I have been paying monthly for several years and now owe more than when I initially graduated. They qualified me for a lower repayment monthly amount without telling me NONE of this will go towards the principal. I am paying on interest only in the allocation and then the leftover interest is getting capitalized onto the loan. I'm paying interest on interest for several years. I am working in the field I went to school for and I can not afford to chip away at this ridiculous amount and loan rate while still having normal everyday bills. I am beyond frustrated and feel hopeless about my student loans. I have also been advised to enter certain payment plans without being told that my amounts would not go towards any of the principle of the loan. 
No correspondence is given or any kind of warning when interest is going to be capitalized. 
I also feel that when my loans were consolidated they were put at a higher fixed interest rate than they ought to be since some of those consolidated loans were originally much lower rates. I was only advised that consolidating would be my best option. But if it was, then why raise the interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: NJ
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XXXX XXXX XX/XX/2015 {$7800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX XXXX, am filing this dispute for my self. I have reviewed my credit report and am aware that my consumer rights have been violated. I did not give permissible purpose for the following accounts to appear on my consumer report : XXXX-account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX According to 15 USC 1681b ( 2 ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent.

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 2018-01-09
Company: Coinbase, Inc.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Coinbase owes me money. I sold BTC and initiated a transfer to my XXXX XXXX bank account on XXXX XXXX, 2017. I still have n't received the money that they owe me. I 've filed several support tickets and I 've never gotten any actual help. I 've only gotten generic help desk messages sent to my email. All information and proof/screenshots can be found on my reddit post. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I received an alert that there was a change on my credit report. I went to investigate and saw a delinquent account named XXXX XXXX XXXX XXXX  XXXX that showed I owed XXXX dollars and that it was in collections. I had never received any notice or invoice or bill or anything about the account or what the charge was for or anything. I had never and still have never received anything about it. I opened disputes through both TransUnion and XXXX  with having no knowledge of the account. Both disputes came back showing verified as accurate with no other information. I reopened the XXXX  dispute to dispute the amount and account itself and that also came back as verified as accurate yet again with no info about what the charge is for or how it originated or why I never received any notifications about it at all before it was in collection. I am in the process of buying a home and this one new item dropped my scores by over 60 points and has no jeopardized my ability to buy my home. Upon calling the 800 number on the report and speaking to the company they couldn't do anything to rectify the situation except demand that I pay the amount and that they would then have it removed from my credit report within 3 months which is simply unacceptable. They didn't offer any chance to dispute the charge and told me they are simply collecting a debt. How is this even legal and why don't I have any rights or options?

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 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX is reporting a charge off to my credit report. This charge off is considered a certificate of indebtness which is now income. INCOME CAN NOT BE REPORTED TO A 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 non-monetary relief