BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: Sunbit, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I went to XXXX XXXX of XXXX to have car repairs done. They told me that they were partnered with a new companycalled SUNBIT. Sunbit offers installment loans and credit cards to XXXX XXXXXXXX customers to help with car repairs. I applied for the sunbit financing and was approved, i had 3 installment loans and 1 credit card with Sunbit XXXX XXXX XXXX XXXX XXXX Ca XXXX. 
All the loans and credit cards were setup on auto pay from day one. Sunbit requires this in order to get the financing. Bank routing number debit card number all were there on the account for auto pay. Sunbit was withdrawing the payments from the account successfully up until XX/XX/2022 ( but in XXXX XXXX XXXX they stopped with drawing the payment for the credit card ). I received my first notification in XXXX XXXX letting me know that the credit card account was 90 days delinquent and i owe XXXX. I contacted customer service agent to find out why they stopped auto pay for the credit card. All my loans and credit cards are on 1 account all payment should have been made. The agent told me that they only auto payment for a credit card account a few months and the customer has to call in and give us permission to continue. I told the agent that policy is ridiculous! Auto pay means that you continue to withdraw payments until the balance is paid in full. I dont have time to call in each month and beg you people to take a payment. Also why did you wait almost 90 dyas before sending out a notice? Theres no way i can catch this up now. I am a senior citizen i receive social security XXXX payments. I cant pay XXXX a month on this cad without becoming homeless. Sunbit has really created a financial hardship for me and you are damaging my credit each month reporting the card payment as late. I think this is negligence on XXXX part for not withdrawing the payments and not notifying me immediately. I asked if we could set up a plyment plan to get the account back on track and Sunbit told me " NO ''. we dont offer any payment plans. I signed up with a consumer credit counseling agency who contacted Sunbit with a payment plan offer and sunbit rejected that ofer to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: RICHLAND HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Derogatory mark showing on credit report due to false information amount {$2200.00} debt is not mine. Remove from credit report. 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 explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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 a vehicle from XXXX XXXX in XXXX, NY XX/XX/2021. Due to poor credit, we were only able to get an auto loan from Credit Acceptance. The finance person stated we had to have the warranty plan with this funder. When signing the contract, he said that although it says optional we were required because the credit score we had. We could barely afford the monthly payment we were given and would have never chosen a warranty if it was optional. We were lied to by the finance person at this dealership. Our interest rate was 22.99 % and the cost of the vehicle was XXXX. Our finance charge was XXXX which seems high and 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 explanation
Consumer complaint received 2021-12-23
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
On XX/XX/2021, I received a notification from XXXX that I had an updated address submitted to my account. When I checked my credit report, Chase had submitted their own address, XXXX XXXX XXXX, XXXX, AZ XXXX as a personal address for me. 

Upon calling multiple times on XX/XX/2021 for Chase to resolve this issue and find out how and why this happened, all I'm told is that the credit department that handles those things is not taking calls for at least 4 weeks. 

Having Chase 's business address reported as my personal information is a major issue they refuse to acknowledge or fix. I have filed a dispute with XXXX, however Chase has violated my privacy rights, in my opinion, and needs to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: MA
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 have negative items on my credit report that have been on there for more than 7 years & the credit bureau is not removing them. I also have a bankruptcy that is more than XXXX XXXX XXXX that needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: VA
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Experian Information Solutions Inc.
State: GA
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:
I applied for a loan and was denied. After reviewing my credit report, I discovered Experian re-added a collection entry that was previously removed in XX/XX/2017. 

XXXX XXXX claims that I owed {$920.00}. I went to court to resolve this issue. It was determined that this debt was not mine. I first call Experian but the company refused to removed the debt. A certified letter was sent to Experian. The collection entry was removed. The company sent a credit report proving that the collection entry was removed. 

I provided two copies of the documentation from the Magistrate Court. I am again for the 3rd time providing another copy of this document.

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 2023-01-06
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have contacted PayPal multiple times requesting information regarding a fraudulent PayPal account opened using Identity Theft. They told me they have no records of the account and there is nothing they can do. The fraudsters have siphoned off approximately {$7800.00} since 2017 from my checking, saving, debit, and credit cards. Paypal denies all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back in XXXX I reach out to your office and I complained about the falsified information on my credit report that was being reported that has caused me countless amounts of pain and suffering due to the XXXX increase in the denials of credit based upon the information being reported concerning my student loans being late I contacted the student loans Representatives have confirmed constantly continuously times that my student loans has never been late however since my complaint I received a response back from TransUnion saying that they have fixed the dispute in information was verified as accurate which is totally falsified information once again

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 2023-06-21
Company: EQUIFAX, INC.
State: NV
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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, 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 XXXX  Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Blackhawk Network Holdings Inc.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Company : Blackhawk Network ( XXXX ) XX/XX/XXXX : XXXX   Prepaid Card purchased at local XXXX 's XXXX XXXX and activated on site, given as XXXX gift XX/XX/XXXX : Gift recipient attempted to use card an was declined. 
XX/XX/XXXX : BH Network contacted by phone to dispute 2 fraudulent charges on the Gift Card XX/XX/XXXX : BH Network requested additional documentation ( Activation receipt, card, credit card statement ) XX/XX/XXXX : Customer contact phone support to verify how to submit this information, delivered documentation by email to bhnetwork.com XX/XX/XXXX : Customer received 2 letters dated XX/XX/XXXX and XX/XX/XXXX stating the investigation had been closed due to lack of response/lack of documentation XX/XX/XXXX : Customer called BH Network to dispute the letter, Agent # XXXX attempted to assist, verified receipt of the required documents, but could not explain why the case had been closed XX/XX/XXXX :  Supervisor # XXXX ( XXXX ) agreed to attempt to reopen the case, all documents resent to XXXX bhnetwork.com

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: SC
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 my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$7400.00} ; XXXX XXXX XXXX Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX : {$6000.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2018-02-01
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My home was damaged by water in XX/XX/XXXX, mitigation services were completed, as was the repair work. I was issued a final insurance check inXX/XX/XXXX, which had to be sent into CHFA. I called CHFA to confirm all of the steps that needed to be taken and I sent in the check. They then called to tell me the check is being sent back because the proper documentation was not provided ( which was never discussed in the phone call ). I returned their call to confirm, twice, which documents they needed. I supplied them with the documentation that was requested. I then called to confirm, again, that they had received the documents and that everything was set in order for them to release the money. I was assured that they had received everything they needed and that they would issue me two separate checks, one for the mitigation company and one for me. They then sent me a partial check ( XX/XX/XXXX ), one third of the insurance check to be exact. When I called to inquire about it, they told me not all of the proper documentation and been received and that they will only pay out in increments and not issue the full amount. On top of more documentation, they also are now requesting an inspection that the work has been completed, which was never once discussed when we communicated about the issuance of the check previously. My home has also been refinanced with a different company, and CHFA is holding money from me for a home that they don't even own anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
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: Account status incorrect

Complaint:
XXXX XXXX dealer services  is damaging my credit by reporting a XXXX charge-off on an auto loan ( XXXX XXXX dealer services, partial account XXXX .... ) the original charge-off amount was for XXXX dollars which XXXX says was for a bounced check on the final payment of the auto in XXXX. 
However due to admitted error on the part of XXXX XXXX, XXXX  owed me XXXX dollars since XXXX for insurance charged that I didn't need.XXXX  discovered their error, and '' promptly '' sent me a check for XXXX dollars in XXXX. 
so at the time of charge-off in XXXX for a XXXX dollar amount.. 
XXXX has " discovered '' they have owed me XXXX dollars since XXXX..XXXX  sent a check for XXXX dollars for the " stolen '' funds for a fraudulent insurance scam ( cfpb court case resulting in XXXX XXXX dollar fine ) .YET XXXX XXXX WANTS TO HOLD ME AND MY CREDIT ACCOUNTABLE FOR A BOUNCED CHECK ... CLAWED BACK 47 DAYS AFTER THE CHECK PAID ... .EVEN THOUGH AT THE MOMENT OF CHECK BOUNCE XXXX HAS ADMITTED THEIR ERRONEOUSLY STOLE XXXX DOLLARS AND HAD BEEN HOLDING THOSE FUNDS SINCE XXXX. 
THE ATTACHMENTS HOLD THE INFO.WHICH CAN BE JUDICIALLY NOTICED EVIDENCE IN MY CASE LATER ON.

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 2021-12-23
Company: Experian Information Solutions Inc.
State: SC
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: Was not notified of investigation status or results

Complaint:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

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 2021-08-17
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase from Amazon.com and later returned approved merchandise which was eligible for a full refund. I returned all items in order XXXX on XX/XX/XXXX totaling {$150.00}. I have my receipt proving my return from XXXX, I have copies showing Amazon says I got the refund, I was advised to file a dispute with my credit card company to get the funds returned. I won the dispute on XXXX and it is also documented. The credit card acknowledged via chat on XX/XX/XXXX they knew I won the dispute. I have contacted the credit card company on 7 different occasions with all the necessary documentation and Synchrony has not credited my account back for the missing funds. They told me to wait 90 days. Amazon said I was supposed to receive my funds back in 3-5 business days. At this point I consider the money stolen by the credit card company. It needs to be returned as I have long ago returned my merchandise. This is not acceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-07
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The complaint is against Comenity Bank, now known, renamed as XXXX XXXX. I have a XXXX & XXXX account under Comenity Bank. 

I have had the account since -- XXXX -- XXXX. The issue that I am having is that they have refused to send me a statement via US mail or online. I have been denied access to my online account. The account number has changed, etc. I have called tirelessly regarding access to the account... but to no avail. I no longer have the account number, Thet have refused to give me the account number Funds are being extracted from my account monthly. I no longer have any idea as to how much is owed along with any associated fees and interest. Each time that I have actually communicated with anyone I am passed on from representative to representative. All promises of sending a statement or to links accessing email have become null and void. 

*Note, when i spoke with a representative I was informed that my XXXX & XXXX account would be cancelled upon completion of payment. I have no idea as to what is owed and can not rely on verbal representatives lack of information.

Company response to consumer: Closed with explanation