BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: NV
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 Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX XXXX XXXX  and XXXX  asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or Equifax would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-18
Company: WELLS FARGO & COMPANY
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Wells Fargo auto loan with no warranty on the vehicle. I smell carbon monoxide in the vehicle the repair is too expensive. I Couldn't negotiate lowering payments on the auto loan. The interest rates were too high. Forcing me into bankruptcy that i still couldn't make payments on No covid releif option at all. Also XXXX has over a dozen recalls on my vehicle I was not informed about. I had to find out on my own. I haven't received a letter yet. XXXX XXXX sold me the vehicle with no warranty. I wasn't aware of that. The bed liner doesn't fit in the truck properly. I had electrical issues ever since I pulled off the lot.

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 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Dear XXXX  XXXX XXXX : I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe.

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2023-01-08
Company: Experian Information Solutions Inc.
State: TX
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:
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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is a formal complaint to request that you remove the fraudulent items off of my Credit File. I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The TransUnion and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports that I need you to remove : XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. In accordance with the Fair Credit Reporting Act Section 605b, you are expected to remove any accounts and information that are found to be items resulting due to identity theft. So please comply with the law and have the disputed items removed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I have sent several debt collection validation letters to the company with no response, they have destroyed my credit and as per state bureau which i have attached they are not licensed in the state of New York where i reside to collect a debt. I want this deleted off my credit report immediately or i am suing!

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 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 regards to complaint number XXXX filed with Consumer financial protection bureau Transunion XXXX XXXX XXXX XX/XX/2022 : RESPONSE TYPE Closed with non-monetary relief Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days.

DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXXXXXXVERIFIED AS REPORTED This is a LIE and UNTRUE! Transunion did not verify this bankruptcy with the bankruptcy court. I have attached document from bankruptcy court stating they do not report nor verify information with the credit reporting agencies.

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 USC1681. Transunion has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without 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 2023-09-08
Company: EQUIFAX, INC.
State: AK
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08
Company: Olympus Lending LLC
State: UT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I leased this car for two years and was making the payment for a year and 4 months. Due to unseen circumstances I was unable to make my payments in XX/XX/2021 until the time of the repo in XXXX. I was struggling with XXXX XXXX XXXX XXXX  and was in a very bad place and even ended up homeless for a few weeks. I understand I defaulted on my lease and the repossession was justified. For the last 2.5 years Ive waited and waited for this to hit my credit report and I wasnt ever able to see it until I paid for another site to view it. A few months after the repo I reached out to them via phone call, asked for the final bill on what I owed. They told me they didnt have it yet and would reach back out. I never heard anything from them again and decided to call a few months later, probably about 5 months after my repossession. They told me they had fixed some issues with the car and had sold the vehicle. I havent ever received any information from that day forward. They asked if I could settle that day, and instead of the XXXX and the change offered around XXXX to settle the account which I truly just couldnt do. From there I never received any phone calls, letters, emails, not a word from the account and Im clearly adult enough to know it doesnt just go away. I havent had the car in my possession for a year and a half but theyre still reporting to credit bureaus that theyre late payments instead of a full account I have to pay in full. Im not sure if this is legal, or normal if you get a repossession on a lease. But to my understanding when I called, they would send me a bill for the remaining balance I owed to the company and not continue to report late payments instead?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-03-11
Company: CITIBANK, N.A.
State: NJ
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:
On XX/XX//23 I provided Citi with a XXXX payment to close out the existing balance on my card. The payment was provided by XXXX XXXX and received by Citi but balance was not adjusted and payment not recognized by Citi for over two and a half weeks following payment. I called multiple times and was told by customer service a variety of reasons why the account was not reconciled. Citi attempted a third party three way call with someone they claimed was a XXXX XXXX rep at which time personal fiscal information was requested. I terminated the call and contacted XXXX XXXX who advised pulling back my payment. This was done. I called Citi and attempted to work with a customer service agent to ascertain what amount of payment would not initiate the same behavior on their part. I was advised to make XXXX payment which would clear my account immediately. I did so on XX/XX/XXXX and now have been told that the payment would not clear and I would need to wait indefinitely for Citi to recognize. This violates the T & C of the card for timely recognition of payment and account balance adjustment.

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 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Someone opened a XXXX account in my name & I have been trying to get the Fraudulent XXXX Account off of my credit report since XXXX. This charge off/collections account dropped my XXXX XXXX over XXXX points. I contacted all credit report agencies to delete this unverified account that belong to an address I do not reside and only TransUnion has updated it. TransUnion updated it XX/XX/XXXX. I would like compensation for the drastic drop in my XXXX XXXX and the important applications I was denied during the process because I reported this account multiple times along with an FTC report and they never updated it until XXXX. XXXX XXXX TransUnion has yet to update this for me.

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 2023-01-08
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 information incorrect

Complaint:
Between XXXX I have been sending dispute letters regarding accurate reporting for certain accounts. By law, because you have reported these inaccuracies on my credit report and I have sent you a letter regarding this matter you should remove the account reported. It has hindered me from attaining a home loan and has ruined my reputation. 

The companies have either neglected to respond or responded with updated information instead of deleting the inaccuracy in which there are required to delete. The damage is already done to my credit. They have reported Charged off Accounts that have not only been fully verified but also remarked as charged off, but appears to show a Past due balance, inaccurate dates, and incorrect amounts owed.

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 2023-01-07
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted the collection agency to advise them that this account didnt belong to me. Theres an XXXX account with my social security number that is now in collections which is actually also showing as opened in my credit report. I work at XXXX and been having XXXX XXXXXXXX XXXX  for over 10 years, this account that is in collections is for a total of {$5100.00}. I contacted XXXX more than 7 times, went to the store and I have also contacted the collection agency. I called the XXXX XXXX on XX/XX/2022 they stated I would get a call within XXXX today is XX/XX/2022 and I have not gotten no solution. I have called them multiple times and I been on hold for over XXXX hours with no response. This account does not belong to me. Please remove this from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Bread Financial Holdings, Inc.
State: CT
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:
XX/XX/XXXX - I made a payment to XXXX XXXX XXXX XXXX to pay the balance in full, {$96.00}. This payment was done through my banks pay bills feature XX/XX/XXXX - XXXX XXXX  cut a check mailing the payment back to me, with a note that the account had a XXXX balance. 
XX/XX/XXXX - I cashed the check and went to the XXXX XXXX  portal and made the payment again. I then messaged them and asked that the late fees and penalty be removed. They argued that they never received the the first payment. I sent them my bank 's confirmation that the payment went through and a copy of the check they cut sending the money back and again asked that the fees and interest be removed. 
XX/XX/XXXX- Not having heard from them I checked the account and they removed the fees and interest. They also put a credit on the account for the {$96.00}. I messaged them and told them to remove the credit and close the account. 
XX/XX/XXXX - Comenity charged an old account ending # XXXX {$96.00} and left the credit on the original account ending # XXXX. 
XX/XX/XXXX - I mailed them a letter asking them to net the XXXX accounts and closed both of them. 
XX/XX/XXXX - I received a letter saying they closed the account ending # XXXX, but nothing about account ending # XXXX XX/XX/XXXX - I received a statement for account ending # XXXX, showing late fees and interest. 
XX/XX/XXXX - I called and spoke to XXXX. I was told everything was closed and he would sent a letter showing both accounts closed. He sent a letter showing only Account ending XXXX was closed. 
XX/XX/XXXX- received a check again returning the payment back to me. This check has not been cashed. 
XX/XX/XXXX - I received another statement showing additional late fees and interest. I fined a XXXX XXXX XXXX complaint that they have not responded to. I am now receiving statements monthly with additional fees and interest

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: DISCOVER BANK
State: TX
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:
On XX/XX/XXXX, I purchased a new camera, figured new xmas gift for myself a bit early. It was set to arrive on XX/XX/XXXX, tracking says package is delivered - I get home and nothing is there. I chat into the support team and they tell me to wait 24 hours and chat back if nothing is there still. So In figure yeah, maybe it was just marked delivered on accident so I continue to wait the 24 hours. On the XXXX, since the support team told me to wait 24 hours as the package may arrive then, I decided to also purchase the gimbal kit I was looking at so they would arrive the same day. 

XX/XX/XXXX comes along, gimbal package is marked as delivered - I get home and nothing is there. At this point I assume they were snatched from my porch ( I live alone, no one else was there at the time to bring them inside. ) I chat into the support team again and they say they started the process for refunding both items and I just need to wait for confirmation emails at this point. So I wait for the confirmation emails and they eventually come in - now its a waiting game for the refunds to apply so I can just go into the store and buy them there instead of worrying about a porch pirate again. 

Then today on XX/XX/XXXX, I get two emails ( one for each of the packages ) saying that the investigation was complete and they're unable to provide any refund or replacement. So what am I supposed to do at this point as I've spent the money and didn't get the items, as they were stolen? The tracking on the packages even shows that a signature wasn't required. Absolutely insane for such an expensive item.

Company response to consumer: Closed with explanation