BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: Orion Capital Solutions LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX : XXXX At approximately XXXX central standard time XXXX XXXX XXXX at Orion Capital Solutions , LLC contacted XXXX XXXX regarding my debt, and without validating that she is speaking to the correct person released the last 4 digits of my social security number and emailed a PDF of a document containing my full name, address and debt information. This is a clear breach of my personal information as the agent never validated she was talking to me and not a XXXX party. 

Here is an approximate transcript of the phone conversation : XXXX : Is this XXXX XXXX? 
3rd party : what is this regarding? 
XXXX : before I can discuss this further I need to validate I am speaking to the correct person. Does your social end in **** 3rd party : yea, what is this regarding XXXX : this is an attempt to collect a debt XXXX then proceeds to share details regarding the alleged debt. The 3rd party asked if a copy of the information is available. The debt collector then proceeds to email a copy of a statement containing my full name and address to the 3rd party.

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 2021-01-07
Company: Mercedes Benz Financial Services
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
While purchasing a vehicle from XXXX XXXX of XXXX on XXXX XXXX, 2020, I was told that I would qualify for 1.99 % financing by the salesman but the finance rate was 4.99 % on the contract statement and I was not notified of the change when signing the contract ( My husband & I were both there ). After discovering the rate was 4.99 % a day later, I was told that there was nothing the could be done to correct the issue. I tried to talk to the finance department manger- XXXX XXXX about this issue, and I was told that I should have come in the office right away to have the issue correctly otherwise there is nothing they could help. 

I believe that this is not misunderstanding since both my husband & I were there that day when we process the loan ; and I want to make sure that other consumers do not face the issue like I did. I decided to pay off the loan completely at this point and I have to pay the {$91.00} interest which I would not need to pay if I had know the the interest rate was 4.99 % originally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions 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 XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, US Dept ED Account # XXXX, USDOEXXXX 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 : 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 2023-11-02
Company: M&T BANK CORPORATION
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
When I purchased the XXXX XXXX XXXX, I was told that the financial organization, ( M & T bank of XXXX, Ohio ), would allow me to make larger payments than what is required to offset the huge interest rate applied to the loan. When I sent in a payment of {$240.00} and {$1000.00} toward the principal they did not apply it as directed they moved the next payment due until XXXX XX/XX/2023. This besides the fact that the interest rates are out of this world I think their business practices need to be investigated.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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. 16815-2 ( 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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX 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 XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$620.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-01-14
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been with BB & T since around XXXX of 2019. I opened a checking account with them. First I had the Bank Manager at that time to notarize a document for employment. She didn't do it correctly. I took it back to find out that she had retired. The new XXXX XXXX XXXX refused to notarize the document when I said to him, you're making the same mistake that she made. He then said that he didn't have to do it, and didn't. I filed a complaint with the Bank. Nothing was done. Then my debit card started getting denied. They tried to say it was suspicious activity. I shop in the same XXXX XXXX XXXX to 3 times a day. I felt discriminated against because I am a XXXX woman and the Manager is XXXX The Bank did nothing about my complaint. Now I feel as if I am being retaliated against. I have spoken to the Fraud department more than 3 times in reference to them blocking my card. There is no way they truly suspected fraud. I have Bank statements that show just how much I am in the same XXXX XXXX. Now it also feels like harassment. All of my complaints with the Bank has fallen on death ears.

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 2021-01-14
Company: Cornerstone Holdings, Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been fighting with Cornerstone Credit Services for years trying to get closed and paid entries off my credit, they refuse to remove as it was already paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: SYNCHRONY FINANCIAL
State: TX
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:
On XXXX I got a hard inquiry alert on my XXXX credit monitoring page. It was for a loan or credit application through Synchrony Financial. I called both XXXX and Synchrony and no one was able to help me with who the merchant was nor take out the hard inquiry. Synchrony requested for the Merchant name which XXXX said that they do not have. XXXX requested for a hand written dispute with a notification from Synchrony stating it was a fraudulent inquiry. Synchrony said they are unable to provide this notification without knowing the merchant involved, the Synchrony rep also said she was unable to search using my social security number or any other identifying information from me. We are currently at cross roads on getting the hard inquiry lifted and putting a stop to the fraudulent request

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 2023-11-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I have hard inquiry in my credit report that i do not recognize, i have already contacted the bank with this inquiry and they do not have my personal information. And i would like this to be deleted

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 2023-02-13
Company: EQUIFAX, INC.
State: LA
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:
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 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is 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 are being investigated by the FTC XXXX Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
i attempted to make a purchase at Big Lots store and credit card for the store would not process the purchase. Tried twice by inserting my social security number and the system indicated DENIED. The store clerk recommended contacting the bank ( Comenity Capital Bank ). I contacted the bank and they requested that I reapply for the credit card. I decided not to and applied for a credit card at my XXXX XXXX. That is when I found out I had a {$6000.00} overdue bill delinquent, which affected my credit score ( XXXX  ). The bank has reduced our balance to XXXX  balance but our Credit Score has not been adjusted as far as I know. It appears a XXXX  has been committed and although we may be able to resolve the issue as far as our credit score but someone should be charged with the crime and make restitution to us and the XXXX XXXX XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-02
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit reporting 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:
Upon checking my credit report, I notice an AMEX account closed in XX/XX/2020 that is still showing up on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to get these UNAUTHORIZED inquiries removed and no one is helping. 

XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-07-19
Company: Jon Barry and Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i notice a alleged debt of XXXX on my credit report from Paragon Revenue Group on XXXX that i don't owe, so i sent them a letter requesting the validity of the alleged debt with my USPS TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX, and i haven't heard from them concerning this matter.i have attach a copy for your reference below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Im going through the process of a divorce. Me and our minor children still lives at the home, children father XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Im a co-owner of the property and co-borrower of the property, when I request copy of the statement for state assistance my XXXX husband put a pin on the mortgage account blocking me from doing anything like getting state assistance to help pay back unpaid XXXX debt against the home. Speaking to shellpoint informing them and having an attorney providing documents but no response from them as of today. 

Because of this pin on the account my state application is on hold,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: WA
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:
XXXX, Equifax and XXXX  are purposefully, willingly and knowingly lowering peoples scores and reporting inaccurate information on reports. I get my score of XXXX and then go to the bank the next day and it is 200 points lower for no reason other than they are purposefully lowering peoples scores. I will never finance anything ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: FC HoldCo LLC
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX is report inaccurate car payment balance that has been paid off about XXXX XXXX now balance of {$2200.00} still reporting incorrectly

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 2023-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX  Capital ONE XXXX XXXX XXXX, UT XXXX XXXX Re : Dispute of Late Payments on Credit Report - Violation of Connecticut Fair Credit Laws To Whom It May Concern, I am writing to dispute the late payments listed on my credit report that I believe are in violation of the Connecticut Fair Credit Reporting Act ( Conn. Gen. Stat. 36a-694 et seq ). I am deeply concerned about the accuracy and fairness of the information that has been reported on my consumer credit file. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX CT I have recently reviewed my credit report from your agency and discovered multiple late payments that have been reported by my creditors. However, I contend that these late payments are not accurate representations of my credit history and, therefore, should not be included on my consumer credit report. Specifically, the late payments in question are regarding transactions that, in my view, do not meet the criteria for inclusion in a credit report, as stipulated by the Connecticut Fair Credit Reporting Act. 
Under the Connecticut Fair Credit Reporting Act, certain transactions should not be reported on a consumer 's credit file. Late payments, in my understanding, should only be reported when they pertain to actual credit obligations or debts. In my case, the late payments in question do not correspond to any credit or loan obligations. These late payments are the result of transactions unrelated to credit agreements, such as fines, fees, or other non-credit-related charges. Therefore, they should not be included in my credit history, as they do not accurately reflect my creditworthiness. 
I kindly request that you investigate this matter and promptly remove these erroneous late payments from my credit report as per the Connecticut Fair Credit Reporting Act. I also request that you provide me with a revised copy of my credit report after the necessary corrections have been made. It is essential for me to maintain an accurate and fair credit history, as it impacts my financial well-being and opportunities for credit in the future. 
I understand that the Connecticut Fair Credit Reporting Act requires credit reporting agencies to complete their investigation and provide a written response within 30 days of receiving a dispute. I hope for a timely resolution to this matter. 
Thank you for your prompt attention to this dispute. I look forward to receiving a written response detailing the results of your investigation and any actions taken to correct my credit report. Please feel free to contact me if you require any further information or clarification regarding this dispute. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-07
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received a debit bank card from Chase bank I never applied for. I burned card and all paper work associated with card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am writing cause wells fargo is abuse in with the fees also they are lieing about a 24hr grace period the give you less than 8 hrs the ATM dosent accepte cash deposit and then they charge the XXXX they also charge XXXX for anything over XXXX that abuse please help with this matter I am so tired of telling Tham and they do nothing I think is time for them to get investigated

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