BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXXXX/XX/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 XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : -DP OF EDUC 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX  I mailed a certified money order in the amount of {$1000.00} & also had a {$20.00} bill included to XXXX XXXX XXXX. It was received and cashed and entered into their system as {$120.00}!!!! This resulted in showing my account as a late payment and reported to my credit bureaus. This dropped my credit score by XXXX points. All this made another credit card drop my limit by thousands to a small amount over my current balance. This will be also reflecting negatively on my credit once it updates. This company has destroyed my credit and then reported to the bureaus that it was correct after I filed disputes on each one.

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 2023-07-24
Company: TD BANK US HOLDING COMPANY
State: VA
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 this creditor has violated my rights under 15 USC1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 1666 B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Capital One Venture Rewards because Im looking for a simple to use card for my upcoming travels. I have excellent credit and income. I have steady employment with the XXXX I did the pre approval first and I was pre approved for a few cards, so I decided to go for the Venture Rewards since I saw they have an offer if you spend {$20000.00} in a year which is ok with me. After I applied I was told my application was denied with no explication. Theres no phone number to call or discuss the application with anybody. I feel like Capital One took advantage of my by telling me I was pre approved for the card and then checking all 3 credit bureaus and denying my application without anybody even looking at it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: MO
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: NEW YORK COMMUNITY BANCORP INC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank was my mortgage company. I sold my home XX/XX/XXXX22. I called and provided my forwarding address immediately after closing my account. My escrow account was closed and the payment was sent to my property address I sold instead of the forwarding address I provided. After not receiving the payment I called in to verify the address and provided my forwarding address again. The payment from my escrow was mailed to me and I never received the payment. I called in to once again confirm it was not received and the company stopped the payment on the check and sent out another check to the same address on XX/XX/XXXX. The last representative I spoke with on XXXX advised me to call back today XX/XX/XXXX if I didnt receive the check. I still have not received it so I called in. I spoke with a representative that advised me give the mail a few more days. I then asked to speak with a supervisor. The supervisor in which i did not get her name, advised me that Wednesday would be the day to call back if I had received the check. I asked her what would be the next course of action if I have not gotten the check by then. She advised me they would just put a stop pay on the check and send another. At this point if you are continuing to send a check and Im not receiving it is there any other way that you all are able to send my payment. The supervisor stated there was no other way. At this point it is very frustrating for this company to give me the run around about funds that are due to me. They are not offering any alternative options to receive my payment. They dont seem to care if I ever receive my funds. The supervisor at one point began to talk over me and was very rude to me throughout the entire call. This company has completely disappointed me and I will never do business with them in the future if this is how they treat their customers. I ask that you reach out to this company and help me get some sort of solution because were almost into a new year and this home was paid in full in XXXX. This is ridiculous.

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 2021-04-13
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Leased XXXX XXXX XXXX from XXXX XXXX in XXXX California my husband XXXX XXXX leased the vehicle and I co-signed loan. XXXX and I were estranged and I was moving to New Jersey which I did! XXXX was XXXX with XXXX XXXX XXXX and his condition was declining. He took car to XXXX XXXX & spoke to XXXX XXXX to take back the car & renegotiate a new loan for a smaller less expensive vehicle. He was denied. He explained to them that he was.unable to make {$360.00} a month payments as he lived on Social Security only & to be able to rent and live with the basics. His condition became intolerable he was living in hotels and the street. 
Hospital after hospital skilled XXXX one after another. Finally placed in a mental health facility and was diagnosed incapacitated. He ended.up in a Rest home unable to walk with complete loss of memory incontinent & died XX/XX/XXXX. 
I received a call from him saying a tow truck picked up the car. I received a notice about 5 months ago from a attorney/debt collector that they were representing Ford Motor Co for said debt of about {$13000.00} First of all I never received a notice from Ford that they were reprocessing the vehicle for non payment. Never were contacted about renegotiating loan or debt? I never received any document that they sold the said vehicle and how much they received? Is this amount with compound interest? Also during Covid I am continually getting harassed by letters saying that they are from XXXX civil division N.J. I l sent them a certified letter return receipt attached XXXX death certificate & asked then to contact me by mail so that we can discuss this matter. I did not give them my phone number as they probably would call off the chain. As I said I never received any of those documents to my home until I got the notice of debt from them? I live on Social Security raising my XXXX year old granddaughter. I own no car no home? I want to settle this matter. Please help me and explain my rights to me? Does Ford have any humanity? XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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 did not apply for any credit with these companies, nor did I authorize these hard inquiries. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately.

I believe these hard inquiries may be the result of identity theft or a mistake on the part of the creditor. I have not applied for any new credit or loans recently, and I am concerned that my personal information may have been used without my 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 2023-08-25
Company: Experian Information Solutions Inc.
State: NY
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Americas Car-Mart, Inc.
State: OK
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:
My car is in the shop for warranty repair on XX/XX/2023 and Car-Mart keeps lying to me about when it will be ready. I was originally told the parts were ordered and shipped to the shop XX/XX/2023, only to be told the very next day that the parts were shipped to the wrong shop XX/XX/2023 and they would have to reorder the parts. It is now XX/XX/2023 and I was asked to come and speak with someone, they said they have no idea when my car will be ready. I'm left owing money for a car that I need to make it to work but not able to make it to work. I can't stop doing business with the company because I signed a contract. I work out of town and haven't been able to make it to work this entire time and may end up losing my job because of this. I am making life decisions based off of this information but the people giving the information don't have the courage to tell me the truth. They reduced my payments to {$50.00} for a month, and told me they don't know when my car will be fixed. I only purchased the Car in XXXX of XXXX  so to have so many problems only within a month of buying the car with no resolution is crazy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge 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 purchased a set of mugs on the platform XXXX. The mugs arrived with defects and I requested the vendor to allow me to return the mugs for a refund. The vendor never answered back and enabled me to return the merchandise. 

Opened a dispute with Amex, which informed me that the vendor had provided info stating that they give me the option to return ( which was not true ). Amex sided with the vendor. When I tried to reopen dispute with Amex, Amex told me that the dispute was too old and because of that, they couldn't reconsider it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I demand that all three credit reporting agencies remove the XXXX debt with account number XXXX ... This debt is far beyond the statute of limitations for the states of New York ( 6 Years ) and Florida ( 5 Years ). Any further reporting of this debt would be in direct breach of the terms outline in the fair reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: HYUNDAI CAPITAL AMERICA
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:
I received a copy of my credit report on XX/XX/XXXX and it showed two late payments in XX/XX/XXXX and XX/XX/XXXX reported by Kia Motor Finance. I have never been late and attempted to correct this information by sending Kia Motor Finance two letters on XX/XX/XXXX and XX/XX/XXXX disputing this information as inaccurate. Kia removed the XX/XX/XXXX late payment but states that the XX/XX/XXXX is being reported as accurate and refuses to remove the incorrect information. I also provided Kia with a copy of my payment history from their website with both letters and they still will not remove the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 reporting act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of ED All of these companies has violated my rights. 
15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 2023-03-31
Company: EQUIFAX, 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:
As of XX/XX/2023 Ive notice this fraudulent account As of XX/XX/2023 Ive notice this fraudulent account XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries below 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXXXXXX XXXX Last reported XX/XX/2022 {$840.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/2022 ( XXXX XXXX ) Account status Open Type Responsibility Individual Remarks Placed for collection Original creditor name 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 2022-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Victim of Bank of America XXXX XXXX to XXXX fraud on XX/XX/2022 for {$3100.00}. 

Bank has not yet refunded money. 

Fraud occurred nearly identically to these reports in the media : 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 monetary relief
Consumer complaint received 2019-11-26
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I set up a store card associated with Wells Fargo. At the time, I asked for the payment due date to fall on or after the XXXX of month. I was told that WF would not allow my wife and I to set payment, and due date would fall on XXXX. I have made 3 payments. The first payment was for {$1000.00} -- well beyond minimum payment. The last two were for the minimum payment. The most recent payments were made on the XXXX ( 48 hours after due date ). They charged {$39.00} for each late payment. 
I have two complaints : 1 ) it seems that WF is trying to manipulate due dates to enable them to access more late fees ( I asked for XXXX or XXXX ; they set at XXXX ; banks know most people are paid twice a month and that they may not always be able to make payments by XXXX ). 
2 ) they allow no grace period. I paid both payments by XXXX within 48 hours -- after I was paid. They should allow a grace period before late fees are charged. They have no such offering, which seems to allow them to maximize fees on the card. 

I called and they agreed to waive one but not both late fees even with I asked her to escalate the issue. 
Thanks for your consideration.

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 2022-05-19
Company: Holloway Credit Solutions
State: RI
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:
Holloway Credit Solutions is reporting the same {$74.00} debt twice on my report. The original debt ( which wasnt mine and was supposedly removed from my report after I disputed it ) shows an opened date of XXXX. The newest one shows an opened date of XXXX. The date of first delinquency on XXXX is XXXX. The total debt on my XXXX report shows I owe {$140.00}. This is incorrect and the original debt isnt even legitimate. I do not feel comfortable contacting this company or any debt collectors. I need this removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: CA
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:
In order to REMIND the Experian Credit Bureau that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that Experian BUREAU MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$330.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on 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