BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-24
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: Information belongs to someone else

Complaint:
This is XXXX XXXX and I am submitting this CFPB complaint to follow up the previous CFPB complaint I recently submitted. I sent a letter on XX/XX/2022, to remove personal information, address, accounts and inquiries that are totally UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints and I am including it again. Please have the following items removed as soon as possible. : 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 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 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 explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: AZ
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:
Equifax is still reporting this inaccurate report. XXXX and XXXX have deleted this account please delete this from Equifax its causing financial harm on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After reviewing my credit report, I noticed I.C. SYSTEM, INC at, XXXX XXXX XXXX XXXX XXXX, MN XXXX, PHONE # ( XXXX ) XXXX, Has a collection account on my credit report in the amount of XXXX XXXX The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature on it. 

In accordance with the fair credit reporting act : XXXX account # XXXX I.C. SYSTEM, INC, has violated my rights.

1

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Last year on XX/XX/XXXX, I booked a cruise for my family for this year XX/XX/XXXX - XX/XX/XXXX, using my Bank of America Master Card. 
In XXXX, I contacted the travel company to confirm my dates, but they had sold out and the new company decided to charge us after a couple of drawn out phone conversations and additional {$1600.00}. As a result, I canceled the trip and was told that a refund will be sent. After two months and not getting the refund, going back and forth with the travel company, they finally told me that I should contact my bank and ask because it was sent as agreed. Back and forth between me calling the bank, the merchant and the travel company, finally I decided to open a dispute. The funds were finally in on XX/XX/XXXX. Seeing this and knowing I had paid off my balance on the credit card in XXXX and brought my balance to {$0.00}. I decided to move my credit balance ( my money ), to my savings account - which I did on Saturday morning via online transfer. 
On Monday I noticed I had a fee of {$99.00}, representing 5 % fee on cash advance. I called the bank and reminded them that it was not a cash advance but funds that were my credit balance that I moved and so they should see that the fee is removed. Going back and forth between the associate and her supervisor, they finally concluded that I can not be refunded the {$99.00} that I have to pay the fee for moving the money - that I should have called them to move it rather than move it myself because it triggers a 5 % fee and I agreed to the fee. 
I noted before hanging up that the money was not the banks, and since it was not a cash advance on my credit card, I think it is unjust to ask me to pay a fee on my money. 
I know it is not a lot of money in the eyes of the bank, but it is a lot to me. 
I would like you to assist me in resolving this issue. 

Thank you, 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 monetary relief
Consumer complaint received 2019-04-09
Company: World Omni Financial Corp.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/XXXX I received a car loan from XXXX XXXX. On XX/XX/XXXX World Omni Affiliate issued a credit for XXXX and recognized the error on the overcharge and gap mistake.They advised me to keep the letter so credit could be issued in case they didn't correct the problem. On XX/XX/XXXX I noticed paint chips on the door and hood I reported it unfortunately I wasn't in possesion of my contract it was in one of many file cabinets. The dealership XXXX XXXX XXXX stated it wasn't on the service contract. That was untrue It was on the manufactured sticker for XXXX and XXXX for the pinstrip protection plan as well as manufactured warranty.I followed up on plans and services with the XXXX XXXX XXXX they stated only plan that was covered was the Power Train Warranty that plan is already a standard plan for the XXXX XXXX XXXX miles they doubled billed me. On XX/XX/XXXX I asked about the plan first thing they stated I could get a refund. According to the representative of XXXX XXXX XXXX no refund has ever been given. I shared the information with the XXXX XXXX XXXX they then stated we changed ownership and those plans are no longer valid I asked would they like to here it from XXXX XXXX XXXX XXXX or XXXX XXXX on speaker phone they declined. I asked for an updated copy of the contract the figures were in correct although it resembled the conditional offer. None of the math was correct, No services were no longer vailid because they stated due to change in ownership. Failed to write a lawful contract with the XXXX showing credit. XXXX XXXX failed to investigate after constant messages and certified letters. Two trips to the dealership to get a lawful credit and resolve the issues because of the overcharges failed to honor the terms of the contract. North Carolina Law says this is a breach of Contract as well as the American bar association. I have letters dates and times and three different contracts to show just cause. The company simply refused to address the issues. I declared the contract breached after legal advisement based on facts. Returned the vehicle with full month payment on XX/XX/XXXX to XXXX XXXX in XXXX XXXX to try to work on settling the issues. XXXX XXXX stands by a breached contract even after receiving a letter for credit and warranty issues. I've also issued a formal complaint with Omni Financial corporation an affiliate that wrote the credit letter no lawful action has been addressed on there very original contract states it can be rendered invalid if there agreement has not been kept or my agreement has not been kept. All services had been completed all ageements on payments have been met until it was a clear breach of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I filed a Dispute in regards to the incorrect items on my credit report with Credit Bureaus Equifax and XXXX on XX/XX/2022. It has been well over 30 days and I haven't received any investigation results. 

Kind Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I went to my local fee free atm ( company : XXXX ) at XXXX advertised by chime to withdraw {$380.00}. Unfortunately for me I wasnt quick enough to grab my money and the atm retracted the funds back into the collector. I then followed the prompt on screen to call my financial institution for assistance but upon doing so a chime representative told me to wait for the transaction to complete pend and wait to call back. So I call back on XX/XX/XXXX to file a dispute and I tell them everything that happened up till that point. Im later told on the call with the representative that the dispute will be sent to a investigator and will be reviewed and that I will get a temporary credit for the time and that this whole situation will have a review time of XXXX, XXXX to XX/XX/XXXX. This morning I wake up to the dispute being denied which seems rushed and not at all investigated to the lengths in which it should of, and so this prompted me to contacting the company XXXX and seeing if they could help point me in the right direction and upon talking to a representative, she told me to request a Regulation E form and just incase request the Denial letter to see how they got to that conclusion. If it is a security feature of the atm then it should only be natural that I should be within my right to have that money returned into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-11-05
Company: MARINER FINANCE, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
After receiving a prequalified offer. I applied for a loan with Mariner finance online on XX/XX/XXXX. I was contacted by the XXXX Ga XXXX  and was told there is nothing they can do for me. I asked the representative for a reason for the denied loan. The representative replied there isnt a specific reason and that I would receive a letter within 30 days. I contacted customer relations for a explanation. CR REP pulled my application and said that my application was still under review and looks like the denial is going to be do to poor performance and a charged off account. This would explain why the branch rep could not give me a reason for the denial and also suggest that I wasnt given due process as other customers. I had to declare XXXX in XXXX. After discharged in XXXX I have rebuilt my credit and has had a 100 Percent on time payment history with all my creditors for the past three years. My credit score is considered good. My payment history is excellent and I have the free income to support the repayment of the loan requested. Mariner Finance seems to be engaging in discriminatory Bankruptcies practice against Customers who has had to declare bankruptcy while having a existing loan with the company. The company is not allowing due diligence and adhering to the underwriting guidelines for certain customers in particular those who had to declare bankruptcy no matter if we otherwise qualify for the Loan. This seems to be a discriminatory practice. A applicant whos less qualified than another applicant whos more qualified should not be given preferential approval because the more qualified Applicant had to declare bankruptcy at one time of another. This is an unfair act of practice. My attention is to research the legalities of such practices also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Capital One Auto Finance - support for by phone payments closed XX/XX/2019, not a bank holiday, while my bank ( XXXX XXXX XXXX ) was open. This issue caused a late payment and a credit report of such thus lowering my credit score. 

This same company advertised support on Saturday for phone payments open until XXXX XXXX  Eastern time. I called XXXX XXXX  and am still on hold an hour later. This will again cause my payment to be late. 

Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-24
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 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 2020-02-29
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The credit card company sent a statement for a bill of {$9.00} with no evidence of a related charge. This amount was paid to avoid damages to credit. Upon attempting to use the card recently for a purchase of {$7.00}, the transaction was declined and upon reviewing the account, it appears that the credit card company again billed for an unrelated charge of approximately {$39.00} on or about after issuing a statement approximately XX/XX/2020. This is the same amount paid on XX/XX/2020 to bring the account balance to XXXX. This is an XXXX XXXX XXXX ( credit builder card ) backed by Synchrony Bank and I paid {$100.00} to initiate this account from my personal checking account with XXXX XXXX XXXX XXXX. The total unknown charges is {$48.00}. The total amount in question is {$140.00} from my personal checking 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 explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Trans Union is requiring two-factor-authentication and is using my email address for this process. They are not sending the email. I tired to call them but received an automated system that kept asking me fo

r my street address and kept asking me for my street address and kept asking me for my street address and kept asking me for my street address and kept asking me for my street address and kept asking me for my street address and you get the point. I was going nowhere. I need a phone number with a real person to answer. I need another option for their failed two-factor-authentication service.

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 2020-02-29
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The original creditors disclosed my personal information and my child personal medical information to the agency ( Rash Curtis and Associates ), which in turn disclosed that same information to the bureau. My privacy and my child privacy was violated in which we are protected by the HIPAA laws. I did not give the hospital permission to release my child personal information such as specific treatment and etc outside or basic collecting information. This will be forwarded to the U.S. Department of Health and Human Services Office for Civil Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
XXXX has manipulated my consumer statement took out sentences etc PLEASE SEE MY REGISTERED LETTER TO ALL XXXX this is example on how they operate PLEASE THIS WILL BE EXHIBIT F these many of many you have no clue the damages being done XXXX has demonstrated very poor and known fact they thrive on the income that companies pay to XXXX you to be able to extend credit at high interest rates as you will see I pay my bills that are mine and thought in question can XXXX no mater if its XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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:
These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am writing to dispute the following accounts. I did not owe this debt and it does not belong to 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