BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
Company: ALLY FINANCIAL INC.
State: NE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I leased a new XXXX XXXX vehicle for 39 months in XXXX of XXXX. I was involved in an accident in XXXX of XXXX and the vehicle was totaled. My insurance deemed it a total loss and the fair market value came much higher than remaining payments plus the residual value of the car after the payment. The financial institution is saying that the are going to keep the excess, but if the insurance pays less the remaining value, I have to pay the difference. That is unfair practice where the consumer is a the loosing side either way. The balance of the lease was {$4200.00} and residual value after lease was {$25000.00}, so total I owe on that vehicle was {$29000.00}. The insurance settlement was {$45000.00} Also, my plan was always to purchase the car at the end of the lease as the vehicle prices have gone up considerably. But now, I have to pay higher price for the new car and I loosing the benefit of getting higher price for my used car.

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 2023-07-28
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:
I am filing a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These accounts should be corrected : XXXX XXXX XXXX XXXX XXXX Balance {$47000.00} ; XXXX XXXX XXXX  XXXX XXXX Balance {$28000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$47000.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$28000.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$10000.00} ; XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$47000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$28000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00}.

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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In XXXX of XXXX i sent out dispute letters to dispute inaccursies on my credit report. I explained in my dispute letter I have not received my billing statement within 21 days of my statement balance being due, under 15 usc 1666 a and b, because of that i noticed my XXXX account reported multiple late payments and after sending them a dispute letter stating my reason for dispute and holding them to the FCRA standard and they failed to due an investigation within 30 days and notify me. I sent out a letter again just recently and this time certified the mail just to ensure they get this before I notified you all.

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 2023-09-22
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XXXX, XX/XX/XXXX I received a text message : Free Msg Citi : Card XXXX. We're unable to process the charge for {$24.00} at XXXX XXXX XXXX on XXXX. Your temporary card information only works for certain purchases. To remove purchase limitations, activate your new card once it arrives. If the card isn't received 10 days from account opening, call XXXX. Reply STOP to Opt-Out of account servicing msgs On XXXX, XX/XX/XXXX I received : Free Msg Citi Card XXXX. Did you attempt {$530.00} at XXXX XXXX on XXXX? Yes=1, No=2. Access acct / contact us at Citi.com. Reply STOP to Opt-Out On XXXX  XX/XX/XXXX I received a XXXX delivery with a brand new XXXX XXXX XXXX credit card which I did not sign up for! 

I contacted Citi and they have closed the account. All of the information on the account was correct but not set up by 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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im writing this letter to inform you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy the reported payment history of this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.US DEPT ED XXXX Date Opened : XX/XX/2017 Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-11-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a Nissan XXXX back in XXXX of XXXX, and then later went back in XX/XX/XXXX to cancel my Gap insurance after finding out that my insurance provider also has Gap insurance for significantly cheaper. I went in and spoke to the same representative that helped me sign the purchase agreement " XXXX XXXX '' and signed a document requesting the cancelation. A year and a half later, I noticed that there was never a credit to my outstanding loan balance of the Gap insurance cost despite my XX/XX/XXXX visit. I went back in XX/XX/XXXX and spoke with XXXX who said I never signed any sort of cancelation, drafted up a new one and had me sign it there. I said multiple times that this was already supposed to have been canceled as of XX/XX/XXXX, and he said he would see what he could do. Ever since then, I've gotten vague answers and absolute refusal to escalate to higher managers who can correct the issue, despite MONTHS of back and forth. I have yet to hear from anyone higher up than XXXX, despite XXXX saying that it is not in his power to correct the issue. As of XX/XX/XXXX, a refund of {$980.00} was issued, which reflects a XX/XX/XXXX cancelation, instead of the original XX/XX/XXXX. A loss of approximately {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the XXXX  credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete this account : XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-09-26
Company: Experian Information Solutions Inc.
State: NH
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:
XXXX report XXXX Inquiry : XXXX XXXX, XXXX I did not authorize for them to do a hard inquiry on my report when we were discussing about home loans XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX Both of these I went to the branch and they signed me up for the wrong credit card I tried disputing them and got a letter but was never removed XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX I got a bunch of hard inquiries and got my credit ran a bunch for an auto loan XXXX Report XXXX XXXX XXXX XXXXXX/XX/XXXX Same thing from the XXXX report for the home loan did not authorize for a hard pull experian Same thing from the XXXX report for the home loan did not authorize for a hard pull

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/2021 I purchased an air conditioner from Home Depot under the condition that it will be interest-free if paid in full within two year. 

I paid the full amount in full and within the 24 months yet I being charged {$1600.00}. Home Depot acknowledged receipt of the full amount and within the 24 months of the agreement but says that because their system only allows them information for few months only, they wont reimburse the interest. 
At one point I got a call from the H D and told me that they will return the charges but that I had to talk to Citibank. When eventually talk to the bank, they didnt know anything about the credit and the person who called me was no longer on the line, I have call H D over 10 times, sent many letters, including a certificate return receipt letter, but all to no avail. 
Please HELP me, I am a retired XXXX XXXX XXXX to whom this amount represents a fortune. 
XXXX 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 2023-09-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I'm filing this report because I have been an identity theft victim. Earlier this year, I discovered that I'd been an identity theft victim after I requested a credit check to be conducted because I was interested in home purchases and wanted to know if I would qualify for a mortgage loan. Unfortunately, my realtor told me the terrible news that several accounts on my credit report are either delinquent, late, charge-offs, or collections. Therefore, I requested that he re-run a credit check to ensure he has the correct file or if he made an error because I know I do not have credit card accounts or any outstanding loans. After my realtor re-runs the credit check, he shows me the credit report and several accounts the credit bureaus are reporting on my credit report. Therefore, I assessed the damages for the first time, which was approximately {$71000.00}. 
Consequently, I filed a police report with my nearest police station, the XXXX XXXX XXXX. However, after filing for the police report, I re-assessed all the damages, which was over {$170000.00}. I discovered that there were more accounts than I anticipated. I informed the police detective working on my case and asked her to add all of them together on her report after I discovered the other accounts, which she did, and it is added to my police report. So far, I have found 11 accounts fraudulently opened using my personal information, such as my social security number, name, date of birth, etc. The reason I'm filing this report is that some banks are refusing to investigate, refusing to initiate sending the requested documents so I can share them with the police, and are refusing to remove the fraudulent accounts from my credit report and are refusing to remove my information from their banking records. Some banks continuously reflect these fraudulent accounts under my name, and I never conducted any business or transactions with them. This is unlawful, and I do not want my credit report tarnished because of their inadequacies. These accounts do not belong to me, and I do not want fraudulent accounts to report 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 2023-11-30
Company: Bridgecrest Acceptance Corporation
State: CA
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 reporting Credit act, this creditor has violated my rights. Under 15 USC 1681 Sec 602 states I have the right to privacy. 15 USC 1681 Sec 604a Sec 2 it also stated a consumer reporting agency can not furnish an account without my written instructions. Under 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 any reason.

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 2023-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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: Their investigation did not fix an error on your report

Complaint:
I was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! 

It has been a defamation of my character Company name : Cap One NA Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have opened a mortgage account with CITI bank USA, and I was asked to open up also a CITI checking account, and transfer XXXX to the account to get 0.1 % rate reduction in my mortgage. However, after opening my account, the account started to produce an error, called " MFA ''. I reached the CITI bank customer services multiple times and spent many hours waiting to resolve this error. However, at the end I lost my access to transfer money to CITI account, and my XXXX is also get blocked in the account. When I called them again, they said there is no fraud or alert in your account and you just should wait! and it is what I keep hearing for the last 10 business days with no resolution. 

Amounts which is blocked is XXXX The last time that I talked with customer service is : XX/XX/XXXX  The solution by the customer service : Wait longer The issue : the website keeps producing MFA error and block any money transfer.

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 2022-07-03
Company: Experian Information Solutions Inc.
State: TN
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 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 an 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 2023-09-24
Company: Sunbit, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
on XX/XX/2023 I remitted my payment for the account balance. before I was able to do perform this action I received notice of account closure. I just opened this account and was not able to perform the task of transferring the interest. instructions were sent certified mail XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 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 an 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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am writing to delete the following information in my personal fi le. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask humbly that the items be deleted to correct my credit report. I can't get an apartment or a car because of the account which is mildly frustrating. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affi davit. Please delete the items as soon as possible please and thank you.

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 2023-09-11
Company: EQUIFAX, INC.
State: MD
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief