BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: PA
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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2023-11-28
Company: EQUIFAX, INC.
State: TX
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 the following companies have violated my rights with inquiry reporting as follows : Incorrect inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct inaccuracies : XXXX XXXX Acct XXXX XXXX Reported as late but paid off. 
XXXX XXXX XXXX XXXX - XXXX acct. {$490.00} past. 
XXXX XXXX XXXXXXXX - reported as late. 
XXXX XXXX XXXX - Acct charged off. {$70.00} written off. {$480.00} past due. 

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 or inquiry report without written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Since I open this account in XXXX I have made a number of requested to increase my credit limit from {$20000.00} to {$22000.00}. Synchrony Bank has repeatedly refused to make ANY increase stating that " The requested amount exceeds the limits set by our credit policy '' without stating what those limits are or increasing my credit limit within those limits. BTW, I have a credit score of approximately XXXX and a yearly income over {$240000.00} and have NEVER missed ANY payment in my life.

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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  acct # XXXX, XXXX XXXX XXXX acct # XXXX and XXXX acct # 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 non-monetary relief
Consumer complaint received 2023-09-05
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 received an email that a wire transfer in the amount of {$5000.00} was in process. The bank was called immediately and the wire transfer reported as fraudulent, however the bank continued with the transfer. We figured out the account had been accessed electronically following an elaborate identity theft operation involving a stolen home phone number and mail diversion. Because the bank was not able to retrieve the funds, they have denied the request to return the {$5000.00}. This does not seem reasonable since the fraud was immediately reported and the bank never should have finalized the transaction.

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 2022-04-25
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:
I was provided false information about the program XXXXXXXX XXXX XXXXXXXX XXXX XXXX PROVIDED IN ORDER TO SIGN UP ME UP WITH A VACATION PACKAGE. Everything promised sounded too good t be true especially when she said we can book with any resort/hotel even outside of XXXX. My wife confirmed 3 times that this information was all ture and she said yes, after you become a member you will only have to call your reservation speciallist to book for you. this was important because we already had trips planned with resorts outside of the XXXX network so we thought and was assured that we would be saving thousands by simply joining XXXX. after we waited 30 days for membership to start I tried to book XXXX resort in XXXX and was told that is not in our network. I then advised them that we were assured this exact resort is in network by our sales agent before signing up, had she said it was not we would not have signed up. its now going on 3 months and they are charging me monthly even after my dispute and request to cancel this agreement being that we were misled in order to sign up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: General Motors Financial Company, Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am filing this complaint against GM FINANCIAL for furnishing false and misleading information to my consumer report as means to bring harm to me and my financial reputation. This account is listed as a CHARGE OFF on my consumer report as shown in attached Exhibit A. This is false and misleading. I am aware the definition of a charge off, pursuant to 7 CFR 1956.54, is " the writing off of a debt and termination of collection activity without release of personal liability. I am also aware that once a debt is cancelled, it not becomes gross income. Gross income does not belong on consumer reports. Also, pursuant to 26 USC 61 ( a ) ( 11 ), gross income includes income from discharge of indebtedness. Was a 1099-C filed on this account? If so, I have never received one. I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar in which the identifiable event occurs. If GM FINANCIAL has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I, in fact, received and was aware of a 1099-C. Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 USC 1681s-2. If GM FINANCIAL has filed a 1099C form with the IRS and is continuing any kind of collection activity, as defined under 31 USC 3711 ( e ), by performing any of the following conduct : administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure ; GM FINANCIAL is committing tax fraud and should be reported to the IRS for a fraudulent financial gain. I am fully aware and am invoking my right as the consumer to demand the audit trail in accordance with 12 USC 5562 ( c ) ( 10 ). This includes accounting documents, transactional history, account file, and/or ledgers. I would need this product of document material as documentary evidence in order to properly address this subject matter, and without this documentary evidence, there can be no validation of such debt. Furthermore, in order to validate this alleged debt, please provide verification through audit certification of debt entry in accordance with GAAP, IRS, Basel 3, and UNCITRAL conversions. If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account was closed without warning by Capital One on XX/XX/XXXX. I found out via a negative credit alert, and was not informed via any correspondence of a pending account closure. I immediately called them and informed them of the context : I had requested a new card online several times with reason lost over the last two years, I recall once in XX/XX/XXXX and again in XXXX XXXX, but for unclear reasons I never was mailed a new one. I futher informed them that this was my oldest account and by closing it they are disproportionately impacted my credit negatively. 

Their process to address my request to reopen my account due to their error of not sending me a replacement card was not handled appropriately as a bank error, and the further never informed me of an upcoming account closure or actual account closure via correspondence. 
I learned of this when received a negative credit score impact alert from a credit monitoring service.

My request is Capital One to reopen my closed account without delay and to mail me my new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It was revealed to me through my credit report that this charge is inaccurate. I did not authorize this account. I would like this account immediately removed from my XXXX report. 

Account Number XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX XXXX If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been deleted from the file of the of the consumer. 

I would like this account to be removed from my credit profile.

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
i opened a XXXX checking account with capital one. and deposited XXXX into the account thru ACH transfer from my other personal account. Right after the fund was received by capital one. they put a hold on my fund and require me to go to their branch for ID verification. i think it is unnecessary and unreasonable. When i opened the account i already verified my identity. I also verified where the fund was coming from. I called the bank to ask for help to remove the hold but they refused to help me and kept telling me to go to their branch. I told them I wouldnt mind going to their branch if they could give me an explainable reason. but they couldnt provide me with the info then I requested them to close my account and refund my money. they told me theyre not going to close it. so to my understanding ive just got scammed by capitalone and theyre holding my money for the bank interest,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Select Management Resources, LLC
State: NM
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On signing a contract on XX/XX/2023 ( Loan Max Title Loan in XXXX, NM ) for a loan using my automobile as collateral I was not told in explanation that {$100.00} per month extra would be added to cost to insure the vehicle, this above and beyond the interest charge. At no point did the agent ask for any proof of vehicle insurance of any kind, nor was the extra charge for further insurance stressed verbally. The clause covering this was not pointed out on signing. Not only is this an unexpected extra charge but it is also outrageously overpriced. Signing was performed on a computer screen, not on a drawn- up paper contract, and the process was somewhat hurried due to the number of pages to be signed/initialed. It was done 'sign here/initial here '. I've no problem with paying the interest charge, that was expected. I do, however, feel 'blind-sided ' by the extra monthly {$100.00} charge for insurance on the vehicle. If I had been aware of the extra cost I would NOT have taken out the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: NY
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:
After several contacts and discussions with Al three bureaus I have not able to have these incorrect items from my report as they have individuals information that doesnt belong to me or match my credit activities with all bureaus. Now that I have exhausted all the remedies under their guidelines, I would request that cfbp get involved However their verification method and processes violated my consumer rights and still impeding me from utilizing my credit privileges allowed under the law. They have not send me any original documents nor did they explain why these erroneous reports are on my file. I intend to pursue this matter until deletion of all derogatory items listed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loan was discharged from the XXXX XXXX XXXX. Shortly after that this company called Nelnet starts to send me letters that I have to start making payments to them. My student loan debt has already been forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
Hello, I had a credit card from XXXX XXXX  ( last four digits of the account XXXX ). On XXXX XX/XX/2022 I purchased an airline ticket ( in the name of my mother XXXX XXXX ) from XXXX XXXX using the XXXX credit card - the charge was {$970.00}. 

After that XXXX sold/transferred their retail banking to Citizens Bank and my credit card account was transferred to Citizens bank XXXX but the credit card number had changed. 

I had to cancel the travel and XXXX XXXX have refunded me the amount, that I have paid for the ticket, to the original form of payment, i.e. into the XXXX credit card account ( last four digits XXXX ). The airline sent me the confirmation that they have processed the refund ( {$970.00} ). 

However, I no longer have access to my former XXXX credit card account and the account itself no longer exists at XXXX, as they told me several times. Therefore, I didn't receive the refund. I have called XXXX 3 times over the last 2 months and they refused to do anything, as they claim that my account was closed. 

I did not receive the refund on my Citizens bank account either. The records on the Citizens bank website show the original transaction for purchasing the airline ticket on XXXX XX/XX/2022 with the reference to the " old '' XXXX credit card number ( last four digits XXXX ). But there is no refund from XXXX XXXX on the Citizens bank account. 

I called Citizens Bank 3 times over the last 2 months and they kept telling me that they would investigate the issue and would respond- but I never heard from them. So at this time I exhausted all my options. 

It was not my choice to switch from XXXX to Citizens - it was a decision of XXXX and Citizens and I am fed up of wasting my time trying to get my refund and falling a " victim '' of their dysfunctional and inefficient handling of customers ' financial transactions.

Company response to consumer: Closed with explanation