BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021

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 2023-09-15
Company: Factor Trust
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am requesting my credit file. I am not requesting my credit report. I want the entire CREDIT FILE. I have attached the required docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX at XXXX 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 and 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 2023-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I applied for a Pottery Barn/Capital One Visa Key Reward card via online application. Two accounts were opened in error by Capital One. I called to close one of the accounts. The first representative was not authorized to close the account. To confirm there were no other accounts opened she requested my full SSN to do a manual search. She then forwarded me to another account specialist. The second representative requested my gov issued photo id. I refused as I had no validation that the first rep hadn't sent me to some other fraudulent company. With my SSN and my photo id my identity could have easily been stolen. I refused to provide the id but offered to provide any other information to complete the validation. She told me there was nothing she could do and that the account would not be able to be closed. I requested to speak with a manager. I was forwarded to a manager who ultimately closed the account. Capital One should not a ) make it this difficult to close an account, and b ) should not require information that can be used to steal someones identity as verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
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:
We purchased our vehicle from XXXX XXXX XXXX XXXX  XXXX for {$30000.00} check and {$20000.00} loan, as we were promised to get helped with paperwork, warranties, insurances, everything that happens to the car in 7 years. 

However, when the accident happened on XX/XX/2023, we found out that XXXX didn't help with paperwork for insurance even though he called our insurance XXXX and printed our insurance slips. 

XXXX XXXX XXXX XXXX XXXXXXXX have knowingly induced discriminatory price and mislead consumers. Without being misled, we would have refused XXXX and XXXX XXXX XXXX 's high price and worked directly with our insurance. We have been purchasing automobile insurances for 19 years, since we started driving in the XXXX. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a USAA checking account in XXXX of XXXX. It is now XXXX of XXXX and i have somehow amassed a whopping {$2400.00} in NSF fees alone. This is only on one of my accounts. The other i opened hoping to get away from the unauthorized transaction attempts, and it has racked up close to XXXX dollars in the matter of 3 months. So total in fees im close to {$3500.00} in the span of XXXX years. This is supposed to be a military bank for servicemembers and their familys and i have never felt more unsafe financially than with this bank. XXXX XXXX, i never had a problem with for 10 years. And when i called USAA to ask for a refund i was told i only get XXXX. XXXX XXXX also refunded me anytime i asked and did it in full all at once. Fantastic people there. USAA feels to me more like a trap, skimming anywhere from $ XXXX {$120.00} from every paycheck ( i get paid weekly ) and denys me what is supposed to be my money anyways! And now i hear that they are doing away with NSF fees at the end of XXXX. Are you kidding me... so is that supposed to make me feel better about all the money they already " charged '' me for unauthorized and repeated transactions from the same people reattempting almost every day? I am just sick of not saying anything to anyone about it and to be honest id hire a lawyer if i could afford it. The times are hard enough without a greedy bank charging me for nonsense. I can understand if i was actually typing my PIN in or swiping a card or writing a check. But almost every NSF fee i have been charged for was due to repeat attempts to withdraw without approval from myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX Bank did not credit these charges as discussed and most of them were unseen : {$250.00} on XX/XX/XXXX for USPS ; {$21.00} on XX/XX/XXXX for XXXX XXXX ; {$53.00} on XX/XX/XXXX for XXXX XXXX XXXX ; {$180.00} on XX/XX/XXXX for XXXX XXXX ; {$6.00}. on XX/XX/XXXX for Deposited item-this was credited-other placed stop not me ; {$57.00} on XX/XX/XXXX for XX/XX/XXXX ; {$350.00} on XX/XX/XXXX for XX/XX/XXXX ; {$180.00} on XX/XX/XXXX for XX/XX/XXXX; {$240.00} on XX/XX/XXXX for XXXX XXXX ; {$150.00} on XX/XX/XXXX for XXXX XXXX ; {$140.00} on XX/XX/XXXX for XXXX ; {$41.00} XXXX XX/XX/XXXX for XXXX XXXX ; {$320.00} on XX/XX/XXXX for XXXX ; {$100.00} XXXX XX/XX/XXXX for XXXX ; {$370.00} XXXX XX/XX/XXXX for XX/XX/XXXX; {$330.00} on XX/XX/XXXX for XXXX XXXX ; {$180.00} XXXX XX/XX/XXXX for XX/XX/XXXX ; {$38.00} on XX/XX/XXXX for XX/XX/XXXX ; {$170.00} XXXX XX/XX/XXXX for XXXX ; {$40.00} XXXX XX/XX/XXXX for XXXX ; {$29.00} XXXX XX/XX/XXXX for XXXX ; {$590.00} XXXX XX/XX/XXXX for XX/XX/XXXX ; {$240.00} XXXX XX/XX/XXXX for XX/XX/XXXX ; {$20.00} XXXX XX/XX/XXXX for XX/XX/XXXX; {$160.00} XXXX XX/XX/XXXX for XXXX & XXXX ; {$120.00} on XX/XX/XXXX for XX/XX/XXXX ; {$100.00} on XX/XX/XXXX for XXXX ; {$14.00} XXXX XX/XX/XXXX for XX/XX/XXXX ; {$57.00} XXXX XX/XX/XXXX for XX/XX/XXXX ; {$100.00} on XX/XX/XXXX for USPS ; and {$41.00} on XX/XX/XXXX for XXXX XXXX Please mail XXXX XXXX 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 2022-06-29
Company: ALLIANT CREDIT UNION
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have filed complain regarding Alliant Credit Union pulled my credit report without my consent. Which I got the same reply from Alliant credit union ask me to call the number of XXXX XXXX XXXX  to report theft identity claims so they can do the research for me. I have called the number on XXXX as well as XXXX. The representative just took my name and my number and say the fraud department will contact me, but I have never receive a call from them. I am asking Alliant credit union to get hold of me and to prove that the inquiry was legit or remove the inquiry. DO NOT send a letter ask me to call in, I did but I never heard from Alliant credit union. Call me instead and explain to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Im in the process of buying a house and my credit report for equifax is blank now. I have a credit report service where I can see my report at any time and everything from all three bureaus are visible up until XX/XX/22, at that point equifax goes blank. Ive tried calling them four times already. Theyre telling me what I already know, I have no freezes or anything of that nature on the account. On XX/XX/22 is when I became aware of the problem when all my wife and I needed to get our house was for the mortgage company to pull up my credit, its only happening with me. My wifes credit came up from all three. Yesterday on XX/XX/22 I managed to contact equifax from a different number and the lady tried her best to help me this time, unlike the last three who sounded like I woke them up. I sent my license and answer a bunch of questions about bills and amounts that I have to prove it was me including a picture of my face along with my license. Im getting desperate because I dont want us to lose our house, I know the mortgage company wont wait forever or however long since the houses are going fast. At one point on equifax I got an error code nh and that lasted for about 24 hours and now I can log back into equifax but all of my information is still blank with straight lines and/or XXXX in everything category. This is as best I can describe it, thank you for any and all I can you all can provide for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive sent letters off and receipt confirmation on XX/XX/2022 From Equifax. Here is my United State Postal article # XXXX and received confirmation from XXXX XXXX, confirming Equifax did receive copy of my Driver 's license, utility bill, valid documents that shows your name, current address and letter requesting that according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information They did NOT do this!! 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report The Credit Bureau stated my account was properly investigated but how is that possible of the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for removal. 
They also violated the law because to

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 AND I did not give anyone written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received an copy of my credit report on XX/XX/2022 in which I noticed negative items that I have been requesting be verified for over 4 months. I have no knowledge of these accounts nor have I received any documentation bearing my signature in relation to them. I have sent multiple disputes to the credit bureaus as well as a FTC compliant in regards to these accounts not being mines. No investigation has taken place and I still see these accounts reporting on my credit report. 
XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX These items are reporting inaccurately as well as showing different amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX 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 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 2022-06-29
Company: Experian Information Solutions Inc.
State: RI
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 Account # 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. Also states a consumer reporting agency can not furnish an account without written instructions or consent.

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 2022-06-29
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/22 : Purchased merchandise ( XXXX items ) from XXXX for {$110.00}, paid via XXXX ( linked to XXXX XXXX ). 
XX/XX/22 : Initiated return of XXXX ( totaling {$95.00} ) of XXXX items ( facilitated via XXXX ). 
XX/XX/22 : XXXX received in XXXX PA ( XXXX returns ) by XXXX. XXXX spoke with XXXX in late XXXX about refund status; was advised that they only had a record of receiving XXXX XXXX I items I returned. 
XX/XX/22 : XXXX issued a refund for this item only, for {$42.00} ( XXXX ) through PayPal to XXXX XX/XX/22 : Initiated " dispute '' through PayPal for the second item in the amount of {$52.00} ( XXXX ). 
XX/XX/22 : decided to report disputed amount to XXXX ; XXXX credited my account for {$52.00} for the disputed item while they attempted to resolve it. 
XX/XX/22 : PayPal emailed me to say they would not go further with their dispute, as XXXX was now involved. 
XX/XX/22 : XXXX recovered the {$52.00} for the second item, which was credited directly & permanently to my XXXX account. 
XX/XX/22 PayPal has now charged me {$42.00}, claiming I got duplicate refunds -- one from them and one from the dispute handled by XXXX -- and is asking me to pay them {$42.00}. I received a total of {$95.00} for XXXX items, both shown on my XXXX account statement. 

XXXX acknowledges they made both of these refunds. XXXX claims they have no roll to play here as they recovered the disputed amount of {$52.00} for the returned item XXXX could initially not locate & I was already credited with {$42.00} for the other item by XXXX via PayPal. 
After XXXX hours on multiple calls, with multiple people, PayPal insists they must recover the {$42.00} from ME and are treating this, rather aggressively & unsympathetically, as straightforward debt collection, claiming I received an extra refund. I did not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern, after several attempts with the agency in which they still choose to ignore my request, I am requesting that the following information in my file be deleted & removed I am a victim of identity theft because someone took advantage of me leaving my ID at my old address before I moved out along with other documents such as my social security card And have opened several accounts over the years and my credit score is being greatly impacted by this companies refusal to delete. I have sent my identity theft report to them via certified mail also have tried to upload it via online service, but the system keeps saying error that I reported to the Federal Trade Commission, and I also enclosed copies of the Federal Trade commission identity Theft Affidavit. Please Delete the items as soon as possible. Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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. it has been over 4 days and you are now in VIOLATION of this law because I am a victim of identity theft. Please delete these items as soon as possible. the Fraudulent Accounts are as follows XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ALSO MY CURRENT ADRESS IS XXXX XXXX XXXX XXXX NJ XXXX PLEASE DELETE ANY OTHER ADRESSES ON FILE

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 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 Account # 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. Also states a consumer reporting agency can not furnish an account without written instructions or consent.

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 2022-12-01
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2022-04-25
Company: Eastern Account Systems of Connecticut, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with 60 plus days of no response. I have disputed this alleged debt collection with eastern accounts and the XXXX credit reporting agency. Asking for validation proof of debt proof of a signed contract over 60 days. I was told by the representative at eastern account that they do not have to show me proof of debt and she said that she will try to call original creditor to get proof but like i stated earlier that it has been over 60 days and no response from either company. Last communication via phone call was on XX/XX/2022.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: IN
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:
my account was was on deferment for the months XXXX and XXXX per agreement with XXXX XXXX. and my account was made current. My next car payment was to start on XX/XX/XXXX. Since then I have not been late on my account. 
I recently checked my credit report and seen there was a 30 day late payment added to my report. please thoroughly investigate this matter and update my credit report with all XXXX XXXX and remove the late payment immediately. or send account ledgers to prove there was a late payment made on my behalf.

Company response to consumer: Closed with explanation