BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX Account Number : XXXX XXXX : {$260.00} 2. XXXX  XXXX Account Number : XXXX XXXX : {$0.00} 3. XXXX XXXX Account Number : XXXX Bal : {$110.00} 4. XXXX XXXX XXXX Account Number : XXXX Bal : {$1800.00} 5. XXXX Account Number : XXXX Bal : {$0.00} 6. XXXX  XXXX Account Number : XXXX Bal : {$0.00} 7. XXXX Account Number : XXXX XXXX : {$390.00} 8. XXXX XXXX XXXX Account Number : XXXX Bal : {$0.00} Under XXXX5 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from 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 non-monetary relief
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: MD
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:
I called the company to remove the remarks regarding the dispute from the portfolio recovery account. I was informed this would be removed and the update would be reflected in 72 hours. This did not happen after several phone calls over a week the information was still not removed from the account. The remark says " consumer disputes after resolution. '' I asked for this to be removed several times but it is still showing on my credit report. I received written notice in the mail and as of today, XX/XX/2022, the dispute remark is still showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am writing to express my grave concern and frustration regarding the ongoing issues I have faced with Truist Bank, operating as Regional Acceptance Corporation. Despite my numerous attempts to address the situation, Truist Bank has violated my rights under the Truth in Lending Act ( TILA ) by never executing the new contract as promised, stealing money as a good faith to the new contract and illegally repossessing my vehicle and failing to adhere to the new payment agreement we established in XX/XX/2023. 

In XXXX of this year, I attempted to make my payment online, only to find that the system did not accept it due to Truist failure to properly set up the new contract. It took Truist Bank two months to resolve the issue, during which time they took no responsibility for their error. They insisted the first payment be made by direct debit payment to secure the new contract, which I promptly set up in good faith and the that the payment was debited from my account. Despite this, my vehicle was repossessed yesterday morning without warning leaving me without transportation to get to work. My work computer, daily cash deposit that I was scheduled to take to the bank yesterday morning and my work badge and office keys were in the vehicle. Also, the vehicle was recently inspected so my tags are good and need to be returned, as well my garage remote and easy pass formthe toll roads. Coats, jewelry and other personal belongings were in the vehicle. 

I have previously reached out to your office about Truist Bank 's fraudulent practices, and I urge you to take swift and decisive action against this company. This is an obvious preditory lender. How can anyone get ahead with companies charging 18 % interest and requesting down payments and restructuring loans only to breach the contract. This is a total scam! I teach for this state. So I do the most and make the least and now Im in danger of losing my job due to lack of transportation. I kindly request that your office investigate this matter thoroughly and hold Truist Bank accountable for their actions. It does no good for me to speak to Truist because they always answer and give the impression they want to help, but they just continue charging me extra money that I dont have to spare and never honoring the contract.

I appreciate your attention to this urgent matter and look forward to a prompt resolution. Please keep me informed about the steps your office will be taking to address this situation.

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 2021-08-03
Company: EQUIFAX, INC.
State: MS
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:
Equifax, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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 capital one credit card but the company could not activate it. After months trying I cancelled the account. After waiting for + 3 months now they dont want to give my deposit back. They change their story over and over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27
Company: Affirm Holdings, Inc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have reported this account as fraud to the company affirm, I've file police report, FEDERAL TRADE COMMISSION identity theft reports, and they still refused to remove this fraudulent account from my credit file. when i called the company, they said they would remove it, but the have not. Now they are reporting it as a Charge Off because I have disputed this account on several occasions knowingly it will be difficult to have it removed. If need be I will take legal actions to have it removed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Accscient, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
continue to get phone calls as well as credit dropping from impacts of various charges on my account. unsure why im being charged when i have a XXXX card, i recieve XXXX and XXXX. there are XXXX charge from them on my credit as of now

Company response to consumer: Untimely response
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 unit 50 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 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 2023-11-08
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 I took my XXXX XXXX XXXX son to the bank to withdraw some money. I came into the bank about 10 or 15 minutes after him. I walked up to the teller with him waiting. I said he has an account already with you it's a joint account with me My son said I closed that account. The teller said yes the joint account is closed. So I'm standing there in shock like huh..what..how. My son said he opened up another account. Okay fine but nobody told me I didn't have a checking account.So I said wait a minute M & T sent me a new card, and I didn't activate it and was going to call and ask why I have a new card. Nobody told me..at this point I'm confused. Why would they closed my account without notifying me. I asked the girl why would y'all do that without contacting me. She says.she don't know.. ( like she's just a bank teller. ) And before I found all that out I said I'm going to deposit {$25.00} into that account..then I ask her why did you send me a new card. She ask me did I activate it..I told her no because I was thinking something is weird and was coming in to see if it was from M & T Bank a real card. She says yes and I showed her my other M & T card I received earlier this year..so now I'm confused. She checked it and said oh this is linked to your savings account which I don't really use.And I asked her what is the new card you sent me for she said oh that card is a savings card too. Unbelievable why would I have two new savings card.Then she asked me oh do you want to open up a Checking..I told her No, I'm Done!.. And the office manager XXXX lady looks at me surprised and like the UT ole look. She heard me when I said so y'all closed my checking without me..no notifying me. They didn't notify me when the account was closed or nothing. My XXXX XXXX XXXX son came in opened up an account with a large personal injury check and all they seen was a large transaction for their bank. And whatever he says.. Okay sir. They threw me to the curb back stabbed me didn't say well your mom needs to sign to close this account. Or just took his name off the account and left me with my checking account. I'm so upset how they done that to me. I had plans to deposit a sum if money next month. Guess not! They disrespect me and let a XXXX ; year old just come in and close accounts without asking for the other party.

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 2023-11-08
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I write a check for XXXX $ but chase bank took XXXX $ from my account, I called Costumer service and they say, there's no chance to solve the problem. 

The case number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I never had chase bank or XXXX XXXX it's on my credit and I am not able to open any accounts due to it .XXXX My wallet have been stolen like 4 times so I am guessing that's how the accounts was made

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Bread Financial Holdings, Inc.
State: FL
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:
During COVID, my wife got sick and was XXXX. Not only was I struggling to find work due to COVID, but now I was the XXXX  for my wife XXXX for her feeding, bathroom needs etc. 

I took out a credit card, I don't even remember taking out this credit card, I don't have the credit card. It is sitting on my credit report with a XXXX dollar balance and a late fee for XX/XX/2021. 

I submitted a dispute online and didn't hear back. 

According to the CAREs act, I believe I should get some relief here regardless of the potential accuracy of this report. 

Additionally, according to Congress : " Legal Exemptions : 15 USC 1681a - 2 ( a ) ( i ) ( 2 ) Exclusions. " Except as provided in paragraph ( 3 ), the term consumer report does not include - report containing information solely as to transactions or experiences between the consumer and the person making the report. '' According to Congress, the Consumer report is not to include experiences or transactions. Late payments are experiences and are illegal to list in the consumer reports... 

Considering they are saying they gave me credit and I owe them no money ; this late fee is illegal... act least according to Congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # 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 states : A consumer reporting agency can not furnish an account or account information without my 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 2022-06-27
Company: JDJ Investments, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Tried to call apartments who are claiming I owe this debt. They said I didnt owe XXXX $ that I owe XXXX $ They said I cant fix it because my lawyer has to call them. I am not sure whats going on but, its stopping me from being able to rent in other apartment complexes. I dont even know the correct amount Im supposed to pay or if I even legally owe this money. The apartments had a hate crime against me and didnt give me proper amount of days to move out when I moved out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
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: Information belongs to someone else

Complaint:
Those Accounts Are Not mine, I never authorized those Accounts to be opened. -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-27
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Those Accounts Are Not mine, I never authorized those Accounts to be opened. -XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-16
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Got my statement today, and was shocked by the shortage of funds supposed to be applied to my principal balance. You take my XXXX balance, they should have applied between {$270.00} to {$280.00} dollars every month at this stage of the loan. Subtract the 2 balances between XX/XX/2020 and my XX/XX/2020 statement of today, you end up with a {$60.00} dollar reduction a month for my last 3 payments of principal balance. All payments to them and ANY creditor has never been late, and why my credit score is in the 800 's. 
I have filed complaint to CFPB 3 times in the past, and today after 1 1/2 hours on the phone , XXXX admitted a new fact to us, that LoanCare made another error in applying my funds, and this time it goes back to XXXX of last year and only part of a check was applied wrong according to XXXX from Management she says.

CFPB has 3 complaints from me, and today is a new one and my principal balance is short better than {$650.00} dollars! 
CFPB has already taken action towards LoanCare in Virginia, and I think CFPB should take action once again, you have misapplied funds another time with just my account and of course it is my principal balance is cheated, LoanCare lied to CFPB about late payments, did not respond to the contents of my prior complaints, but dropped, you have state and federal laws broken. 
I am filing yet another complaint by an out of control company being allowed to do exactly that. I will see what CFPB does this time, and will pass on the information as instructed by CFPB employees to various people in Washington. 
Thanks, 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 2022-06-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  - ACCOUNT # XXXX XXXX XXXX XXXX - ACCOUNT # XXXX XXXX  XXXX XXXX - ACCOUNT # 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 an account without my written instructions

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 2022-06-27
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 Report Act XXXX  account number # XXXX XXXX XXXX XXXX XXXX and account number # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

Also the listed inquiries that have been listed XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1981 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 an account without my written instructions.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-11-25
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I applied for a credit card through XXXX  XXXX. I had a score of XXXX on equifax. I received one hard inquiry and my score dropped XXXX points to XXXX.

Company response to consumer: Closed with explanation