BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-04
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX Loan reported me as making a late payment to the credit bureau, when I asked them to pull the call where I was assured from the rep that she will update my account with my new bank information I felt assured that this would be done on their end. I am now told that this was never done and can not be done on their end they can only take the payment. I had expressed to the representative at that time that I was calling because I was not able to login to my account and she reiterated more than once that she will get it done for me. This was on XXXX XXXX, so my XXXX payment should of processed through my XXXX XXXX  account-it did not due to the bank account not being updated as promised. My payment returned account closed-I had more than enough funds in my account!! I provided my bank statements proving this as well. When I called and talked to XXXX ( agent id XXXX ) in escalations I asked her why no one ever called, no correspondence received, nor did any of the representatives I spoke with ever tell me that my payments were hitting a closed account. Her answer was they do n't have to tell me I should be watching my account. I thought XXXX was a reputable company that had integrity, but apparently not. They kept taking my payment-so they charged me late fees & return payment fees. I could tell that I was not going to get any empathy from this rep from the beginning of the call, she talked over me and when I asked for another representative or her manager she told me she will have them call me back. I had to ask her what the name of the person who will be calling and she said she does not know. I asked her what time the call would be made-SHE THEN told me 7-10 business days. Mind you she is in escalation and I have tried to call them on my break to ask them to review my documents showing that I had more than enough funds in the account at that point in time, also the fact that they called me to tell me my payment was due, but failed to mention the issue so I was never aware. I HAVE ASKED THEM NUMEROUS TIMES TO PULL THE CORRECT CALL-to no avail. Now I have a late payment mark ( the only one I have on my all my reports ) due to XXXX being unethical and allowing their representatives to withhold information from their customers for financial gain in fees. I also show that I am on auto pay on my profile, but according to XXXX in customer service I am not. I feel like this is another ploy to get more money for fees. We have provided proof that our average balance was and still is $ XXXX so why would we not want to pay and use a closed account that would generate fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX XXXX I attempted to make a monthly payment on my Citibank held Home Depot card. I discovered this card and my Citibank held Costco card were close due to Citibank attaching someone else 's bankruptcy to me in error. The person lives in XXXX and I live in XXXX. Citibank took months to correct this error and cost me much time, stress and 50 points on my credit score. When they finally corrected the error, they immediately began calling ( same day ) 2-3 times a day requesting I pay my bills and immediately put my two accounts in arrears. Again affecting my credit. Remember, I could NOT make a payment because of THEIR error. Eventually they took a little interest off my Costco card and gave me {$100.00} on my Costco cash balance. They declined to offer or do more. 

On Saturday XXXX XXXX, XXXX, while again attempting to make a monthly payment on my Citibank held Home Depot and Costco card, I was again prevented from doing so. My cards are closed and I am forwarded to a recording saying they are closed and 'this is an attempt to collect a debt '. This is EXACTLY what happened just three months earlier. 

It is unbelievable to me that Citibank could make this error a second time, but apparently they have as I got a notice per XXXX law from XXXX saying something negative has been added to my credit file. 

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 monetary relief
Consumer complaint received 2017-08-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Per new credit law on XXXX XXXX 2017 ; all public records that are missing or have invalid information would be removed and mine has not yet. Chapter XXXX Bankruptcy is still reporting on XXXX inaccurately.

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 2022-07-18
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$620.00XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX  XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Company repossessed my vehicle, which is against Federal Law, I tried to contact them about paying to get my vehicle back to find out that they sold my vehicle last week on XX/XX/2022. I wrote a Right of Recession to the CEO of Ally Financial and never received a reply back from him.

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 2019-08-02
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:
Trans union XXXX XXXX all have failed to do a proper investigation about a bankruptcy on my credit report. Ive tried several attempts and yet no changes have been made. Ive went as far as contacting a bankruptcy court and they said they do not give out information to third party vendors such as credit bureaus.

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 2022-07-18
Company: Experian Information Solutions Inc.
State: LA
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:
It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items : XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance : {$720.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1800.00} ; XXXX  XXXX Balance XXXX {$35.00} If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
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:
Equifax has reported multiple inquires that Ive never applied for. 

Equifax has been reporting Erroneous and fraudulent information violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am seeking to bring litigation to Equifax because my character has been defamed. I demand that these inquires below be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
To whom it ay concerm this account has never been late. its pad off in full and never late its reporting late 1 time XX/XX/XXXX. 30-59 days late. This is incorrect as this is when a new card was ordered due to lost card. However the payment was made on time. 

CiTi Bank credit card opened XX/XX/XXXX account is current {$0.00} balance

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 2017-09-04
Company: Experian Information Solutions Inc.
State: KS
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:
As of XXXX XXXX, XXXX there is a derogatory mark appearing on my XXXX Credit Report from XXXX XXXX. However, I do not recall ever taking out any lines of credit from XXXX XXXX. 

Specifically in dispute are the derogatory marks for XXXX and XXXX XXXX. In accordance with laws governing credit transactions in Kansas. XXXX XXXX would have been required to be registered with the Kansas State Banking Commissioner under K.S.A. 16a-6-201. I have checked with the Kansas State Banking Commissioner and they were not licensed with the Kansas State Banking Commissioner until XXXX, meaning any contracts would be void, as they did not have authority to enter into any contracts in Kansas before XXXX XXXX, XXXX. 

Additionally, I allege any such loans are in violation of the Kansas Consumer Protection Act, Truth in Lending Act, the UCC and are void because they fail to meet the requirement of having an original signature as required by Kansas Law. 

Finally, as I do not recall ever entering into an agreement for credit with this company I also never recall giving agreement for my credit to be pulled or to have this company report to my credit bureau, which I contend would have to have an original signature.

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 2022-02-18
Company: Home Loan Center, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Lending Tree continues to use my information to provide for mortgage lending that I did not request. Last year, I filed complaints against Lending Tree for this and they continue to provide my name and information to other lenders. I then get a barrage of calls from different companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: BANK OF THE WEST
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XXXX someone opened an account at Bank of the West using my personal information. I did not open this account. I have had no knowledge of this account. I did not give anyone permission to use my personal information. The amount owing on this account is XXXX My Personal information was used to open a credit card account with XXXX XXXX in XXXX. The amount owing on that account is XXXX My personal information was used to obtain cable television service through XXXX XXXX in XXXX. The amount owing on that account is 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 2017-08-27
Company: Armcon Corp
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I discovered an account listed on my credit report for {$2200.00} on XX/XX/XXXX. I proceeded to dispute the trade line with the collection agency via FDCPA dispute letter dated XX/XX/XXXX. They have not responded to my dispute letter. I have submitted dispute reports to both credit bureaus as well. I have notified the Attorney General of the State of Texas as well, as they operating illegally in regard to the Texas Debt Collection Act. They do not carry a bond and are not registered with the Secretary of State or Texas Comptroller. They do not have a registered agent in Texas for service of process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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, Concerning Accounts XXXX and Account XXXX, XXXX XXXX has violated my rights 15 USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish my account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX  XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF ED/XXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I need money urgently and applied online in XXXX, I was approved and they would deposit the money in my account but it would be available in 3 days approximately, I mention that it was urgent as I need to pay a vet bill for a XXXX, they said than then I can go directly to the store so they can issue a check. I was approved for {$8600.00} but then I was unable to deposit in my account by mobile device, I called bank Wells Fargo and they said that I can deposit the check in a ATM and {$400.00} would be available the same day and the rest the next day ... then the next day they put All my loan in hold, called the bank again and they said that it was an XXXX issue, I called XXXX and they said the check was ok and nothing was wrong. I called the bank again and they said that the bank doesn't have the enough money to put the money in my account and they need to verify the reserves? And that the money would be available until XX/XX/XXXX! I need that money urgently..I ask for a loan since they doesn't want to give me my money and they said they don't do that. So I told them that the bank is useless... plese help me... I don't know what to do

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 2022-07-18
Company: Experian Information Solutions 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:
When I reviewed my credit report, I found out that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1200.00} ; XXXX XXXXXXXX XXXX Balance : {$480.00}

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
XX/XX/2022 I reached out to XXXX  through CFPB website to file a complaint with this company, before that I filed a police report and identity theft report which by law served as part of the notice and procedure I have to follow to get a block of this information. I uploaded these things to the CDPB website to forward to the company. I was closed with little explanation and no further steps taken to remedy The consumer after i put the company on notice about me not consenting to the pulling of my credit report and evidence that gat give authorization to this company to continue to report this because it is accurate. I have mailed a certified mailing letter to this company to cease and desist and it arrived XX/XX/2022. I am waiting for a deletion and a response. This company is stopping me from obtains household and personal items due to this fraudulent account on my 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 explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Equifax did not protect my personal Credit information and was compromised.

Company response to consumer: Closed with explanation