BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: EQUIFAX, 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 XXXX XXXX. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was contacted by CitiVisa for some charges to my account. XXXX XXXX XXXX XXXX  {$1400.00}, XX/XX/2023 XXXX {$970.00}, XX/XX/ XXXX {$430.00}, XX/XX/2023 XXXX {$130.00} They did not want to set aside the charges instead they ask me to continue paying the interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted Capital one Auto Finn. The information that they have is not my address never lived there. I have done a fraud pack of their information twice and they want me do another one, for them to not do anything about the issues. I think this is another tack that they are doing to keep this account on my credit report. Capital One Auto have made my life miserable. I have been fighting this for 4 years and nothing but back and forward to no end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 explanation
Consumer complaint received 2023-05-08
Company: N.A.R., Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid this debt in full on XX/XX/XXXX to the constables in XXXX, Utah. Both NAR and the constable agree that the debt has been resolved. However, NAR is claiming that a {$100.00} payment has been lost and is refusing to update the account on my credit report or submit to the court that the judgment has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I learned that at M & T Bank, lost debit cards are not replaced with a temporary while waiting for a permanent card by mail. This could take a week or longer and in the meantime, there is no access to funds held in the account except by ATM ( for which there is a withdrawal limit ) or withdrawing funds through a bank teller but only during hours of operation. 

How is this legal?

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 2022-11-14
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I am writing to request the investigation and removal of a repossession that appears on my credit report. The account was opened in XXXX  by XXXX XXXX. I co-signed the vehicle for a relative and I was unaware that the relative I co-signed the vehicle for fell into financial hardship. I was not informed by neither the lessee or lender until the negative inquiry was placed on to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-20
Company: Bridgecrest Acceptance Corporation
State: TX
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:
Inaccurate reporting on consumer report confirmed by Bridgecrest and credit reporting agencies, Notice of complete validation documentation request not received ( Request sent XXXX XXXX, including Notice of Dispute of account ) XXXX Notice sent fax and via certified mail XX/XX/XXXX due to no documentation request received. Account status not correctly reported to credit reporting agencies and attempt to collect debt including late fees applied during Dispute status.

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXXXXXX XXXX  XXXX Account XXXX : XXXX Delete this 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 non-monetary relief
Consumer complaint received 2023-05-08
Company: T.S. Holdings
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection agency has a debt that was never even set to me for a prior place that I lived. They also keep adding an additional dollar each month to the amount owed that they bought from my original creditor and it continually nicks my credit report and drops my credit score every month for an additional dollar that can't be legal for them to translate more money than they actually bought not to mention have never sent me anything in writing nor have they ever called me I'm not paying this debt but I'm afraid that they continue to ruin my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 requested the following from a creditor about an account and have not received anything in return despite waiting so long. The letter is attached but I am including what I wrote here as well.

I am requesting information for ( Account Number ). Please provide copies of the following information : - All billing statements from the date of account opening ; - A complete reporting history to reporting partners ; - A copy of the 1099-C cancellation of debt if applicable ; and - Date of Last Payment.

It is my belief that 14 days is a reasonable amount of time to gather this information. I look forward to your complete assistance.

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 2020-01-30
Company: EQUIFAX, INC.
State: AR
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 received a call from collections and was informed that I needed to make a payment for XXXX XXXX XXXX XXXX. I have never lived there in my life and was confused with what was happening. I then decided to pull my credit and saw many fraudulent accounts under my name. These accounts do not belong to me. Please remove them from my credit report. 

XXXX XXXX XXXX XXXX {$100.00} XXXX, XXXX. 
XXXX {$120.00} XXXX XXXX  XXXX  XXXX {$740.00} XXXX  XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX  XXXX  XXXX  XXXX {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRUIST FINANCIAL CORPORATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had to report this evil organization summer of last year. It was resolved after a very diligent man from your office contacted them. The company had charged off the account and The lien was removed from my house. However, as of last month they have decided to start reporting late payments of 120 days again to credit bureaus. So it was removed and closed, now they have reopened it and it's starting all over again. Their most recent report cost my credit score to decrease XXXX  points. This charged off account is now up to 9 years old and still being reported as 120 days pd. Please 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 2023-05-08
Company: Southwest Recovery Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A collection account was added to my credit report XX/XX/2023 by Southwest Recovery Services. The original creditor informed me I would not be responsible for this bill and it had been made in error, shortly after the bill was later turned over to a collection company for the amount of {$1100.00}. I spoke with the company stating that I was told I was not responsible for this bill by the original creditor for which they responded it was too late now and I needed to pay it. I proceeded to dispute this charge on my credit report but I feel they did not do a thorough investigation and allowed the charge to remain in collections. 

I would also like to complain about the following companies reporting late payments after payment arrangements were made with their reps. I was told due to hardship late payments would NOT reflect on my report and reporting would be remain in good standing. The following companies did not honor that : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: V and H Portfolio
State: MI
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:
First of all that whole thing is a joke that paperwork makes no sense nothing adds up scam written all over it the next payment date is XXXX I wasnt even born yet and the date that the account was opened it has 2 different dates one XX/XX/XXXX  and the other is XX/XX/XXXX  and the amount is XXXX or XXXX or is it I cant keep up. Also this store I tried to locate doesnt exist. Its am on line store even my signature was an electronic signature for all those tools I purchased! Ive never purchased tools let alone lease them. I have attached the documents that show that Ive tried to dispute them this. I did it through kredit karma and maybe thats wrong but I did try

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: CAVALRY INVESTMENTS, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX XXXX has been trying for sometime to collect from me a bill that has all ready been paid.. This has been going on since XX/XX/XXXX. XXXX and XXXX had this acct first and garnished my check and it was paid, case number XXXX XX/XX/XXXX XXXX district court, Its to XXXX my employer. it i.s setting in my credit report. for a while now. i have sent XXXX court paper and the other company that took care of it. and they still say i owe. i can not pay twice nor will I please help me XXXX XXXX XXXX XXXX XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have over 200 Inquiry on my credit report with XXXX, so I called them and spoke with a supervisor by the name XXXX, and he put in the dispute for the Inquiry 's I received a copy of my Credit report on today. I looked online to see if all of them was actually removed to find out they weren't. I called and 3 reps form XXXX stated that all the inquiry 's where still on my report and they don't have any records on the confirmation # nor will they remove them off. I don't understand why I would receive a report and they can't find any records of it or my dispute. These aren't my inquiries nor am I requesting for my credit be pulled. I would like them to be removed. I'm already apart of the Data Brench and this is an issue with 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 2023-05-08
Company: Experian Information Solutions Inc.
State: CA
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:
THERE ARE ITEMS ON MY REPORT THAT I DID NOT CONSENT TO WHICH IS A RESULTS OF FRUAD, I HAD NO IDEA ABOUT THE UNKNOWN UNAUTHORIZED ACCOUNT AND THEY NEED TO BE REMOVED. 

1 ) XXXX  2 ) ALL INQUIRIES

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 2023-05-08
Company: Early Warning Services, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I filed an original complaint against this business under CFPB XXXX. On, XX/XX/XXXX  ( see attached ) the business used a standard format cut and paste letter. I followed the guidelines of the letter, I provided the business my social security number. I provided the business my drivers license through the Secure Transfer Portal on XX/XX/XXXX  under ID XXXX. On, XX/XX/XXXX  the business is confused and sends me an email asking me what I want to dispute. I NEVER received a copy of my report, thus, I am unable to see what needs to be disputed. The business needs to send me my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: U.S. BANCORP
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is regarding the closure of my checking account without adequate reasons. I strongly believe that the reason for the closure appears to be discriminatory and racist. 
On XX/XX/XXXX, I received a notification stating that my checking account with US Bank had been closed. However, the notification did not provide any clear reason for the closure except that in accordance with the your deposit agreement and general terms and conditions disclosure. I called customer service to inquire about the reason, but no one was able to provide me with any satisfactory explanation as to what the issue is and what went wrong. 
I have been a loyal customer of US Bank for many years and have always made timely payments on my credit card and kept my accounts in good standing. Therefore, I am shocked and dismayed by the sudden closure of my account without any explanation. 
Furthermore, I can not help but feel that the closure was based on discriminatory and racist motives. As a person of XXXX origin, I have often faced discrimination and prejudice in various aspects of my life. I strongly believe that the closure of my checking account is another instance of such discrimination. 
I request that US bank provide me with a clear and valid reason for the closure of my account. Additionally, I demand that US bank address any discriminatory practices within their organisation and take appropriate action to prevent such incidents from happening in the future. 
I hope that this matter will be addressed in a timely and appropriate manner.

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