BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-02
Company: EQUIFAX, INC.
State: VA
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:
My husband and I leased a XXXX through XXXX XXXX ( XXXX ) in XX/XX/XXXX for 3 years. All lease payments were made in full and on time ( see Lease payment History attached ). At the end of the lease XXXX   sent us a letter to purchase the XXXX for {$18000.00} dated XX/XX/XXXX that was good through XX/XX/XXXX ( see purchase quote attached ). OnXX/XX/XXXX we purchased the XXXX through XXXX XXXX XXXX who sent XXXX a check for {$18.00}, XXXX as payment in full ( see letter from XXXX attached ). XXXX   received the check from XXXX at XXXX XXXX on XX/XX/XXXX ( see XXXX tracking record attached ). On XX/XX/XXXX XXXX   sent XXXX a signed Bill of Sale ( see copy of Bill of Sale attached ). Also on XX/XX/XXXX XXXX sent XXXX the Certificate of Title for the XXXX with a signed release of lien by XXXX ( see Certificate of Title attached ). Despite receiving payment in full and releasing its lien on the vehicle, in XX/XX/XXXX XXXX   fraudulently had our vehicle removed as a " repossession ''. After several conference calls with XXXX, XXXX, and us we were finally able to get our vehicle back that was wrongfully taken because XXXX had no legal right to possess or repossess our vehicle. But, even after we got our vehicle back onXX/XX/XXXX XXXX sent us a fraudulent Notice of Lease Termination and Early Termination Liability letter seeking payment of {$19.00}, XXXX ( see letter attached ). In addition, XXXX placed false and damaging messages on our credit reports which caused our credit scores to decline by 19 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: SC
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 was looking at my credit to make sure Im keeping up with everything and I saw several items on there that is not mine. I was told you all can help me with this. I have filed a complaint with the FTC and reach out to the police. Im doing this on my own and need some help. I saw these accounts that I dont know anything about XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There also several inquiries that I did not run my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, 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 Debt Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1692b ( 2 ) Acquisition of location information a collector can't collect on a debt if you're not int the state. 15 U.S.C 1681 Section 604 A Section 2 : Also states : A consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692e Section 8 : updating without showing disputed. 15 U.S.C 1692e ( 2 ) ( a ) False or Misleading representations : False representation of amounts or legal status of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
After having no issues as a Citi Bank customer for a long time, out of nowhere, there was a lot of fraud on my account. I called over and over again and waited and waited. Citi bank opened and closed a number of accounts for me and sent new cards but the fraud continued before I even received my new cards. All kinds of charges. I had to keep calling and calling and insist on talking to a supervisors before they agreed to close my account all together. My only income is Social Security XXXX. I agreed to pay {$35.00} a month to pay off the money owed on the account. Citi agreed to take this money out of my account via auto pay even though my account is closed. After my first payment of {$35.00}, Citi sent me a statement indicating late fees. I called and spoke to XXXX XXXX on XX/XX/2021 ( XXXX ). He refused to let me speak with a supervisor saying none were available. He refused to honor the agreement I set up with Citi in my previous call. I will not be charged fees and have my credit possibly impacted by something that was entirely Citi Banks fault from the beginning. I can not spend all of my time on the phone with Citi. This can not stand. Thank you for your help.

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 2021-02-19
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After reviewing a copy of my most recent credit report ( s ) a found derogatory information that is being reported by a collection agency : MEDICAL DATA SYSTEMS. The original creditor is : XXXX XXXX XXXX. The alleged amount owed is {$140.00} I have no knowledge of this account and I am unaware of the alleged balance due. 

To begin, I never received any written notification or phone call regarding their collection attempts nor had I received any written correspondence from their client prior to this information being reported I never received any notice of my right to dispute or my right to request validation of this alleged debt. Pursuant to the Fair Credit Reporting Act and Fair Credit Billing Act, I have that right as a consumer, and this agency has clearly violated the Federal Law. They placed invalid and unverifiable information on my credit reports with out due process and has damaged my credit rating as if this was valid information. 

This damaging information was placed on my reports on or around XX/XX/2021 this was the first time I'd been made aware of this debt / account.

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 2017-07-24
Company: HYUNDAI CAPITAL AMERICA
State: NC
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:
Hyunadi Motor Finance is reporting incorrect account information on my credit report. The account is reporting six missed payments this information is not correct. I filed a complant prior and the information reported was corrected. As of today XXXX XXXX, 2017 the incorrect information has reappeared on my credit bureaus credit report. I am currently in the process of seeking legal advice and repensatation due to the practices of Hyundai Motor Finance. The payments were paid online and not processed unti two to three days later. Their actions are damaging my credit history and credit worthiness. Below I will attach  supported documents showing payments and when they were processed. I have filed compalints prevesouly against this company whch resulted in the account information being corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My husband and I leased a XXXX through XXXX XXXX ( XXXX ) in XX/XX/XXXX for 3 years. All lease payments were made in full and on time ( see Lease payment History attached ). At the end of the lease XXXX   sent us a letter to purchase the XXXX for {$18000.00} dated XX/XX/XXXX that was good through XX/XX/XXXX ( see purchase quote attached ). OnXX/XX/XXXX we purchased the XXXX through XXXX XXXX XXXX who sent XXXX a check for {$18.00}, XXXX as payment in full ( see letter from XXXX attached ). XXXX   received the check from XXXX at XXXX XXXX on XX/XX/XXXX ( see XXXX tracking record attached ). On XX/XX/XXXX XXXX   sent XXXX a signed Bill of Sale ( see copy of Bill of Sale attached ). Also on XX/XX/XXXX XXXX sent XXXX the Certificate of Title for the XXXX with a signed release of lien by XXXX ( see Certificate of Title attached ). Despite receiving payment in full and releasing its lien on the vehicle, in XX/XX/XXXX XXXX   fraudulently had our vehicle removed as a " repossession ''. After several conference calls with XXXX, XXXX, and us we were finally able to get our vehicle back that was wrongfully taken because XXXX had no legal right to possess or repossess our vehicle. But, even after we got our vehicle back onXX/XX/XXXX XXXX sent us a fraudulent Notice of Lease Termination and Early Termination Liability letter seeking payment of {$19.00}, XXXX ( see letter attached ). In addition, XXXX placed false and damaging messages on our credit reports which caused our credit scores to decline by 19 points.

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 2018-05-31
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am filing this complaint in regards to an account that is being reported on my credit report by this collection agency. They brought this alleged debt from a different collection agency that in terms had no right to collect so they withdrew from collecting and now this collection agency is reporting on my credit report in violation. They did not send me any notification or any chance to even dispute this account that they are reporting under my social security number. if they claim to have send me something i would like to know what the tracking number is so that i can track where this was send to because this is a clear violation of my rights and i want this XXXX XXXX account removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05
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:
you say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
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:
you say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).

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 2019-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2019 I received a voice message from Bank of America. The voice message as described by my assistant was as follows : " Hello, this is message is for Mr. XXXX is turning, this is XXXX XXXX XXXX. I'm calling with Bank of America 's Regulatory Compliance department calling in reference to an inquiry that you received from the Consumer Financial Protection Bureau. If you can please follow up with me at your earliest convenience, we need to confirm some information from you in regards to the inquiry no later than XX/XX/XXXX. My direct number is XXXX extension XXXX to my office hours are from XXXX XXXX To XXXX XXXX Pacific Standard Time on once again, this month to be just with Bank of America 's Regulatory Compliance Department. Thank you. '' The caller has not specified any methods of contacting them other than a phone number. Since Bank of America informed me in the past that it does not want to receive physical mail at their address and it does not monitor email mailboxes from which it sends me its messages I have no other options of contacting Bank of America in writing other than this portal. 

The caller from bank of america has not specified which information do they want to verify. They have my mailing address and my email address on file so they are free to send me any requests to verify any information they are not sure about. Meanwhile I would like to inform Bank of America one more time that my preference is not to communicate with them via the use of the telephone. If for some reason Bank of America is not willing to provide service to customer who are not communicating with them via the use of the telephone I would appreciate that they make a public announcement of that fact and include this restrictions into the disclosures of their service terms.

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 2022-06-10
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
i bank with discover.com with checking, savings & credit card accts. overdraft protection is set up for checking by savings acct. appreciate that discover waives almost all fees. however, they keep sending paper letters to notify of insufficient funds in my checking acct, even with just {$1.00} insufficient amt. 
time & again i wld leave complaint msgs & they wld just say it's their policy. i wld mention abt the green new deal, or save time, effort & pay, it's a wasteful policy, etc. besides i'm enrolled in overdraft already so why notify me still? i get emails also & by the time i get those paper letters, the overdraft transfers were made already. so those ppr notices only go straight to the wastebasket unopened. 
so which part don't they understand? i even asked if i cld write to their superiors or even to discover 's president. idk how long patience can go far. thus, i'm doing this as you had helped me in the past & hoping you wld do the same with discover. it may seem unimportant, but they shld at least cater to my request. family members hv the same issue. 
thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
I already contacted the XXXX bureau and spoke with a representative who refused to removed reinserted information based on the error they made on my report and they ignore my concern after numerous letters and phone calls. I had no written notification regarding these inquires The hard inquires I'm concern about is XXXX XXXX, XXXX XXXX and XXXX. I would like these to be permanently from my credit report. Please look into my issues that is real concern to my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Over the course of the last 5-6 months, I have had to contact Chase several times for charges placed on my account. I have several alerts attached to my account to notify of issues such as an overdrawn account, insufficient funds and when the account balance falls below a certain amount. These alerts are scheduled to come via the Chase mobile app ( as push notifications ) which advertises account alerts as one of the features for the company and the app, via text message AND email. I have had to reach out to this company several times to figure out why I am not receiving account alerts as advertised, not only that but I am being charged insufficient funds fee for overdrafts that I was not notified of. My consumer record with this company is impeccable, in the past if my account was overdrawn it was fixed promptly after I was notified. It is completely unacceptable for this company to continue to operate using these deceptive practices and advertising models. This is an issue that occurs far too often for this " company '' to still operate and holds consumers ' funds. I have been a customer for over 7 years and have never been more dissatisfied with a " banking solution '' than I have been with Chase. My account was overdrawn on XX/XX/20 and I never received a notification, push or text, or email alert of this occurence although I have more than 10 alerts active on my account. I logged in to my account XX/XX/20 to find that not only was my account overdrawn but I was also charged {$34.00} insufficient funds fee. I immediately contacted Telephone Banking to once again attempt to find out why this is continuing to happen. XXXX was of little help even after I explained that they have record that I have had to continually reach out to have this resolved. I've also spoken with several associates that have this same issue, this company is not allowed to take advantage of consumers and force them to pay fees if they do not deliver the proper and adequate services offered. This company has misled me as well as other consumers based on the functionality of its services. Not once did any representative offer to rectify this situation in a way that would be best for the consumer even after the deceptive advertising and service practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-02
Company: SUNTRUST BANKS, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was trying to take a loan out of my sun trust for {$5000.00} and it said they couldnt obtain my credit report and to contact you guys

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 2019-11-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by a company called XXXX XXXX  on XX/XX/2019. The representative, XXXX XXXX, left a message that said, this is a courtesy call regarding your claim in my office my intent at this time is to move forward by the end of the business day for whatever reason there was a failure to respond I also need to inform you my efforts were documented the claim has been verified and you were notified any concerns please contact. 
This was the first of me hearing about a claim and I wouldnt be able to respond because of that reason. When I called back to find out what the call was concerning, XXXX asked me my name and I said, XXXX XXXX, she proceeded to say, your name sounds so ghetto and hung up on me. I called back and asked who is this? She said that the XXXX police will be coming for me for receiving a credit card and stealing {$1800.00} from HSBC. I couldnt believe she called my name ghetto, accused me of stealing and the extremely rude attitude. I immediately called HSBC because Ive never had a credit card from them. HSBC does not have any information about me or a debit that I owe. 
I called XXXX XXXX  again and this time a man answered and disclosed to me that they have my full name, address, telephone number, social security number, the car I drive and threatened to sue me and put a real property lien on my car. I do not have a debt with HSBC MasterCard or XXXX XXXX. A credit inquiry doesnt show on none of my 3 credit reports nor does this debt. 

Ive called the XXXX, Federal Trade Commission, and put a fraud alert with the credit bureaus on my reports. My next step is to make a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2019-11-22
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Asked for original creditor name and address never given, stole the car and sold it, paid off by debt instrument returned to company and asking for a debt that was paid and not owed to them they did not credit my anything by use of restricted securities account as trustee in the inducement of fraud acting as if the credited me as a consumer/ human/ natural person.

Company response to consumer: Closed with explanation