BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$710.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-06-02
Company: Clark County Collection Service
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Clark County Collections Services pulled my credit, and placed a fraudulent account on my current report. I have no account with Clark County Collection Service, as I proceed to call them and they would not remove it. I notified them by emailing and calling to and pursuant to FDCPA and FCRA. I was never notified with a five day dunning letter notice from Clark County collections, nor are they license in North Carolina to do collections. Due to the situation I was unable to qualify for a loan at the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I completed paperwork for the Toyota Motor Credit settlement. I received a letter that I was turned down without an explanation. I sent an email asking for details about the determination. I received a phone call on XX/XX/2019 about the settlement. I was unable to answer the call. When I called back, I was told that I was not eligible again without any rationale and, also, told that no appeals were possible. Toyota Motor Credit is still playing games. If I am truly ineligible, provide a written statement explaining. Now, I am frustrated and feel distrustful of Toyota Motor Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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: Their investigation did not fix an error on your report

Complaint:
When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXXXXXX Balance {$570.00} DEPT OF EDUCATIONXXXX XXXX Balance {$8700.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance {$3700.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX  Balance {$570.00} Note that this complaint is my follow-up complaint to ensure the listed accounts are verified 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 non-monetary relief
Consumer complaint received 2021-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I am writing to dispute the following information that appears on my [ TransUnion, XXXX, or XXXX ] consumer report : XXXX XXXX SS. XXXX DL XXXX After recently reviewing my credit report I notice several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX ) in the ( Balance ). It is your duty to ensure that all information reported is consistent a most importantly accurate and credit report agency failed to do so. I request DELETE this erroneous item immediately. That affect my credit am my self with out reason. Also am try to get my sold letter with my lender until XX/XX/2021 and they bring excuses still work in it. 

Dispute Account for Lenders or Institutions ( Inaccurate Reported ) - XXXX XXXX XXXX XXXX For the Following Reasons : Balance of {$4000.00} is Inaccurate Reported Paid as agreed on XX/XX/2021 Balance must be in XXXX account paid Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased XXXX XXXX Tickets for a XXXX, WA show on XX/XX/XXXX for a show in XXXX, XXXX, however, this show was cancelled in XXXX, XXXX because of COVID 19. I then received an email stating that they rescheduled for XX/XX/XXXX. I had an option to cancel entirely and receive a refund, which I did. However, the charge on my credit card was still there in XXXX and I decided to dispute the charge. I could not get through by phone with XXXX XXXX to fix the problem, thus I disputed the charge on XX/XX/XXXX. The {$180.00} was credited back to me. By mistake I withdrew the dispute in XXXX and immediately called the bank and told them this withdrawal was a mistake. I was told they would fix it but it would take a few days. However, and it went back onto the card later ( several days ). I called the credit card company and was transferred to the dispute center. They said they would take care of it but they needed to give XXXX XXXX a change to respond within 10 business days. I then called the bank XX/XX/XXXX and spoke to someone who said I can no longer redispute the charge. That I need to contact XXXX XXXX. XXXX XXXX emailed me and said that there was a charge back on my card and I needed to contact my bank. 

The bank representatives are not taking care of this charge and I get different answers each time I have called about this charge.

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 2023-01-12
Company: EQUIFAX, 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:
You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 



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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I'm in the market for a new car and i was told to check my credit report before i went to the dealership. I checked my credit report and i noticed a few items that i didn't authorize. These items are not mine and i need these items deleted from my credit report. I'm working on this process on my own behalf. I was advised to contact this agency and I also contacted the FTC and my city police. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I relocated from XXXX XXXXXXXX XXXX  in XXXX. I have been living in XXXXXXXX XXXX since XX/XX/XXXX. When I left XXXX XXXX, XXXX I closed out my account with XXXX and returned their equipment before l left. In XX/XX/XXXX hurricane XXXX happened and prevented any further charges due to long term power outages. In XXXX of XXXX I saw a derogatory account from XXXX for {$320.00}, that said it was reported in XXXX of XXXX, appear on my credit report. I immediately disputed the bill through XXXX XXXX, but the decision came back that the information was accurate. I disputed it again through XXXX XXXX and stated the information about hurricane XXXX, but it came back again as accurate information. Then I disputed the bill through XXXX credit bureau twice and they noted that the bill meets the Fair Credit Reporting Act guidelines and that I would need to contact XXXX. On XX/XX/XXXX I called XXXX. I was informed that the bill was for services from XX/XX/XXXX to XX/XX/XXXX. I stated that I live in XXXX XXXX during that time frame, and that I could not have made those charges. They asked if I left anyone behind and I said no. We picked my son up from XXXX XXXX, in XX/XX/XXXX due to illness. When we left XXXX XXXX in XX/XX/XXXX the power was still off since XX/XX/XXXX. No one was in the house during the dates of service. However, they continue to report the inaccurate charges. I believe XXXX has generated these charges fraudulently and are using predatory tactics to remain on my credit report. In addition, I have been denied credit from XXXX XXXX for an additional credit card with rewards due to the inaccurate information reported on my credit report by XXXX. I wish to have the information removed from my report ; and have XXXX report to XXXX that they reported inaccurate information on my credit report that caused my credit score to go down. In addition, I would like for them to pay damages in the amount of credit loss due to their negligence.

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 2019-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Credit card, Capital One, hiked interest rates beyond my possibilities because I may have missed a payment ; same with XXXX credit card that finance my home air conditioner.gap insurance reneged payment and capital one is after me for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 2022-08-08
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have sent Navy federal credit union a correction of billing errors notice pursuant to 15 USC 16666 ( a ) which was delivered XX/XX/2022, stating that there is an error in the statements for credit cards and vehicle " loan '' associated with ACCOUNT NUMBERS ENDING : XXXX pursuant to 15 USC 1666 ( b ) ( 4 ) and have demanded that they credit the account with the amount of credit ( {$6000.00}, {$1000.00}, and {$61000.00} ) that was issued to the consumer ( me )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Experian Information Solutions 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:
XXXX XX/XX/21 INQUIRY NOT MADE BY ME. I AM NEW TO CREDIT.

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 2023-01-12
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have an active account with Arvest Bank. 
I came to the bank and I asked for XXXXXXXX cash from my account. They asked me to sign a withdrawal cach request and they asked me to provide my ID. After that they asked me to step out of my car to see my face clearly. I got clos to the camera and they confirmed the identify my face. And they start processing the transaction. Then, they back again and they told me Sorry we cant help you the system is down. And they didnt give me my money. 

I ask them what should I do they said everywhere system is down and we cant give you your money. 

The Bank address was : XXXX XXXX XXXX XXXX, XXXX, AR XXXX, United States.

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 2019-09-27
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
e purchased two pieces of furniture from XXXX XX/XX/2018. We sent the first piece back with no problems, but the second piece we sent back was a month out. We called the company to confirm that someone could pick up the furniture because it was damaged and we didn't want it. They agreed and we paid a XXXX dollar re-stocking fee with them, however, they keep sending us bills for the furniture and we've already paid the re-stocking fee and anything that goes along with it. Now they're saying because of late payments for a couple of months, that we owe them up to {$490.00} for late payments when we don't have the furniture in our home and it was already supposed to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I had an equity loan with Citizens Bank. I paid it off through a refinance in XXXX of 2018. I started receiving bills after the closing saying I owed a balance. I went to my branch in XXXX Mass and was told they owed me {$220.00} and that they would send me a check and close the account. I kept getting bills. I went back to the branch two more times and was absolutely assured the problem was taken care of. I stopped receiving bills. A year later I received a new bill for {$120.00} and a {$20.00} past due charge. I called the home equity department and and was told I need to pay the fee even though they acknowledged I didn't owe it and the error was theirs. They offered to wave the {$20.00} late fee. I am very unhappy with the deceit and lack of taking responsibility hiding behind " the rules ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: ALLY FINANCIAL INC.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I made a payment on my car note of XXXX. I received an email onXX/XX/XXXX stating that my payment had been made and giving me a confirmation number for the payment.
I also received a mailed statement from my lender stating that I had made the payment, dated XX/XX/XXXXFive days later, onXX/XX/XXXX my lender, Ally Financial, stated that they had not been paid, as they had neglected to take the funds given to them on the day that they were given, despite the fact that they had issued two ( 2 ) written notices stating that they had been paid.
They have now begun credit collection activities against me, including calling my work phone number ad nauseam, Monday through Friday, sometimes seven to eight times a day.
When the money was available for the payment, the payment was made. Ally sat on my transaction for nearly an entire week, and did not take their payment, although they stated and confirmed with a confirmation number that they had.
Now, I am in arrears and owe penalties which seem to have been the aim of the company, to obtain more funds than the payment amount, or by the negligence, or laziness of their employees, I now owe said penalties, and am in danger of losing my vehicle.

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 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
These are not my accounts. please remove them from my credit.

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 2023-03-30
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: Credit inquiries on your report that you don't recognize

Complaint:
I was in the market to purchase a home so I got a copy of all 3 credit bureaus. 

My score is considered very good in the 760 range, however, someone or some company with ill intent has applied for multiple credit cards under my name unauthorized. 

This has harmed my credit standing and my score making it seem as though I'm seeking credit. 

I currently use about 8 % utilization and have well over $ XXXX in available credit. It would be senseless to apply for more credit despite having an exorbitant amount of low or XXXX percent interest at my disposal.

Company response to consumer: Closed with explanation