BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/XXXX, I bought a XXXX XXXX XXXX XXXX and financed it through Bank of America. In XX/XX/XXXX, I checked my credit score and noticed Bank of America had reported two late payments ( XXXX and XX/XX/XXXX ). I contacted them in XXXX of XX/XX/XXXXto dispute these false statements and nothing was done. The faxes were sent over on XX/XX/XXXX with bank statements proving the payments were paid on time and were not late. 

On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX, which is where I was trying to obtain a home loan and was advised due to the late payments reported by Bank of America I could not go forward. I then again contacted Bank of America and XXXX to dispute these false statements. Nothing was done. In XXXX, I finally spoke to a supervisor by the name of XXXX and was advised she would try and figure out what happened and get back to me. On XXXX XXXX I was advised the payments were still late because in XXXX of XX/XX/XXXXI supposedly called and asked for the additional monies that were sent in be applied to principle and with XX/XX/XXXX payment being only {$170.00}, which was what was due at the time the payment was now considered late. XX/XX/XXXX has nothing to do with XXXX of XX/XX/XXXXpayments whatsoever. On XX/XX/XXXX I was advised Bank of America is closing out there case and nothing is going to change.I have attached the bank statements showing were I was not late in XXXX and XXXX of XXXX. 

Furthermore, I paid the auto loan in full in XXXX of XXXX and do not have access to the loan history due to account now being closed. Please please help me! I have documents to prove the payments were not late whatsoever.

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have no affiliation with these creditors and I did not make this inquiry.

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 2023-02-01
Company: Experian Information Solutions Inc.
State: NV
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 FCRA the following are in clear violation to my rights as a consumer : XXXX Confirmation # XXXX - Verified information Experian Report Number XXXX - initiated XX/XX/XXXX date returned XXXX XXXX XXXX  1. I have placed a security freeze on all secondary bureaus : 2. I have asked telephonically and via the bureaus ' website that they, the credit bureau, provide me with their method of verification and they have not replied nor provided their investigation Method of Verification which includes as per FCRA : Name of original creditor Creditor 's address Documentation used to verify the dispute I have requested this information so that I know the investigation was in fact properly conducted. I have requested the documentation be submitted to me in a timely manner which the bureaus have not done so. 

XXXX XXXX # XXXX XXXX Close date XX/XX/XXXX showing a balance of {$3000.00} XXXX # XXXX XXXX - This account is showing closed with a balance of {$100.00} These bureaus are reporting the collection and closed accounts as a CLOSED ACCOUNT WITH BALANCE. Since the bureaus have NOT furnished any investigation and the fact being that ALL the secondary bureaus : XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, I have little to NO idea where the bureaus are verifying the information. 

15 USC 1681 Sect 602A : I, the consumer, have the right to privacy 15 USC 1681 Sect 604A Section 2 : can not furnish or display my account without my written consent.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose FCRA Section 609 ( A ) ( 1 ) - Closed accounts still reported and balance open, as well as, request for validation of debt which has not been provided - a clear violation 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. This was NOT done as I had requested.

On the bureaus ' websites, there is no equitable way to submit a dispute ( see evident uploaded )

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 2023-05-18
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had insurance that paid the full amount at XXXX XXXX XXXX XXXX at XXXX XXXX XXXX and this debt shows up after the XXXX XXXX  leaves the medical center and I have not seen him since. I still go here and I am not billed outside of the small XXXX XXXX procedure that has somehow gone over to collection without me being able to challenge the insurance company over 2 years ago and/or 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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-02-17
Company: Experian Information Solutions Inc.
State: SC
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 FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instruction which I never did for any of these accounts.

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 2023-07-21
Company: Stellantis Financial Services US Corp.
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:
I received a copy of my credit report and I am writing to dispute the following Information that appears on my credit profile after carefully reviewing the information on my report The following inquiries are unauthorized and I ask that u delete them from my report : Inquire from XXXX XXXXXXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and I never authorized this inquiry Inquire from XXXX XXXX XXXXXXXX On XX/XX/XXXX I am a victim of identity theft and fraud and didnt not authorize this inquiry Inquiry from XXXX XXXXXXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize this inquiry Inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize this inquiry Inquiry from XXXX XXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from First Investors Fin on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from First investors Serv on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry

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 2023-09-03
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
The payment that they have me on I cant afford at all and when I was making nothing they had my payment high. XXXX I try to get the information from my taxes and my payment is to high and everything is high when you are trying to get a house and food and kids as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Self Financial Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with he Fair Credit Reporting Act, XX/XX/2022, SELF FINANCIAL INC / LEA has violated my rights. 15 U.S.C 1681 section 602, A. States I have rights to privacy. 15 U.S.C 1681 Section 604 Section 2 : Its also states a consumer reporting agency can not furnish a account without my WRITTEN instructions 15 U.S.C 1666B : A creator may not treat a payment on a credit account under a open end consumer credit plan as LATE FOR ANY REASON. Company was contacted with no fixed errors made, and declining request of fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Genesis FS Card Services, 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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6O4A Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666B a creditor 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 2023-02-15
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
On XXXX XXXX I reviewed my credit reports from the following credit Bureaus, Experian, XXXX and XXXX. Upon review I noticed that my address was not being reported correctly. I advised them that I may have been a victim of identity theft and I do not live at the addresses being reported and asked to correct the information. As of XX/XX/15 they responded back and stated that the addresses in which I no longer live are valid and yet to remove the information. This is putting me at risk to have my information stolen and identity theft to happen by having my information in the hands of someone or someplace I have access to.

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-04-03
Company: Incomm Holdings Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX I purchased a Vanilla Gift Card in the amount of {$500.00}. I activated the card and checked to verify the card balance. The balance showed {$5.00}. I immediately called the phone number on the debit card and was told that a company named XXXX XXXX had charged {$490.00} on the card upon activation. I immediately advised the agent that I had not made the charge and she declined the charge. On XX/XX/XXXX my card was charged again by XXXX XXXX for {$490.00} which left {$10.00} balance. I called the company back again and asked the agent to decline the charge. She told me I had to contact the vendor to receive a credit, but she had no contact information. She cancelled the card and said she would submit a request to reissue a new card. She also stated that it could take up to 90 days to resolve the issue. I waited until XX/XX/XXXX for a response and never received any response. I called again and was told they had no record of my initial complaint. They said they would send me a complaint form which I received, completed and returned on XX/XX/XXXX. I immediately received an email stating they had complaint and would receive a response within 90 days. I waited until XX/XX/XXXX for a response and emailed the company asking the status of my complaint. As of today no response had been received. Upon looking up XXXX XXXX only to find out that the company does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A relative who is incapacitated signed over a government issued check to pay her bills, I took over to the bank under the instructions from bank that it would be held for 5 days. Okay, went over to bank on fifth day after seeing funds are available on line, get to bank only to be told fraud department is involved to make sure check is legitimate. The bank had 5 days to determine that fact, plus I have been repeatedly told that there wasnt any problem, now theres a problem. It just seems to me Im being treated differently, when a XXXX person cashes an exceptionally large check there seems to be red flags or fraud. Dont like playing XXXX card, just seems a different standard for people of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2018-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One Business card is reporting on my personal credit report. A dispute has been active for months but still remains on report. Capital One states they are reporting correctly but your agency is reporting it wrong. Capital One initiated the original dispute. Below is my credit report for said account. It shows as an individual personal account. This account is for business purposes only and should never appear on my personal credit report. REMOVE THIS ACCOUNT IMMEDIATELY!

Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit {$12000.00} Owner INDIVIDUAL Credit Limit {$15000.00} Account Type REVOLVING Terms Frequency MONTHLY Term Duration XXXX Balance {$9000.00} Date Opened XX/XX/2018 Amount Past Due Date Reported XX/XX/2018 Actual Payment Amount Date of Last Payment XX/XX/2018 Date of Last Activity Scheduled Payment Amount $ XXXX  Months Reviewed 4 Delinquency First Reported Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount Loan Type Date Closed Date of First Delinquency Comments Consumer disputes this account information Contact CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX, VA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I traveled to XXXX, IL and went to XXXX XXXX of XXXX XXXX to look at a used vehicle. The price online was reasonable, I drove the vehicle, and decided to proceed with the purchase with the condition of obtaining pictures of the underneath of the car to ensure no damage or issues. The vehicle was currently being used a demo for their Operations Executive. The Sales Representative assured me that the pictures would be taken and while waiting we negotiated. The Sales Representative brought back a paper that included the advertised price plus additional substantial fees for lo-jack and a ceramic paint coating- all over {$5000.00}. I declined those add ons and was told they were already on the vehicle and I would have to pay for them. I advised the Sales Representative that these additional fees were not disclosed on their website and not legal. The Sales Representative said that all cars come with it and its non-negotiable. They advised they would work on price and would take pictures. I left and conducted follow-up and got the run around regarding the pictures. I was told by the Sales Manager that the Executive took the car home and after escalating was told the car was already sold with the other party buying the vehicle with all the add ons. This company used unethical sales tactics, pressure, and deceptive marketing. The least sophisticated consumer would be scammed into paying for these add on products without knowing they are not permitted. This company needs to be investigated or shut down. There are multiple reviews expressing the same concerns of mine. Something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/XXXX, I requested an investigation of accounts listed on my credit report with tracking number XXXX. Again on XX/XX/XXXX I requested a reinvestigation of accounts listed on my credit report with tracking number XXXX. XXXX XXXX XXXX - XXXX. On XX/XX/XXXX I requested an additional investigation with tracking number XXXX. Additionally on XX/XX/XXXX I provided documentation and a request to the credit reporting agencies via USPS Certified Letters with tracking numbers XXXX, XXXX, and XXXX to remove late payments that should not appear on my credit report. 

Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give any Credit Reporting Agency written instructions to furnish this transaction on my credit report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 ), 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 non-monetary relief