BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry 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 2020-03-17
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased a car that was financed through Bridgecrest. The autodraft amount was {$280.00} per month. On the final payment, only {$160.00} was the balance of the loan. However, they still withdrew {$280.00}. When I contacted the company, they refused to refund the overdrawn amount in a timely manner. This is despite the fact that the last two statements I received from the company, indicated the correct amount on the invoice was to be withdrawn. Also, the automated text message I received indicated the correct amount. In addition, my account can no longer be accessed through their online portal. 

The " customer service '' manager XXXX # XXXX ( refused to give her actual name ) was very condescending in her " explanation ''. There was NEVER an apology issued, nor a definitive resolution to the problem. In addition, their 1.2/5 star online review average leaves little confidence that the funds will be refunded at all, much less in a timely manner. 

The company policies are obviously intentionally flawed as they are giving themselves interest free loans on paid out accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 following account have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - THESE ARE HARD INQUIRIES THAT I NEED TO HAVE REMOVED 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 2023-05-04
Company: BCA Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When I signed up for my high deductible and 20 % co-insurance plan, I did calculations based on fair and average delivery costs. However, the hospital billed much higher than Fair Health Consumer and Healthcare Bluebook published average rates. The average cost for the mother and baby is a total charge of {$15000.00}, plus the XXXX XXXX observation room fair price should be {$600.00}, for a total cost of XXXX. The hospital charged a total above {$44000.00}. Secondly, the commercial insurance acceptance for a XXXX XXXX  with XXXX XXXX is very high. The bill was a whopping XXXX, XXXX above the maximum amount other insurances accept. In short, the insurance paid above {$19000.00} already to XXXX XXXX which is XXXX higher than the average rate that hospitals charge for the services I received. This is without the additional XXXX which I owe. 
Another more serious complaint I have is against the hospital is its unfair collection procedure. Less than XXXX hours after XXXX XXXX XXXX, a hospital employee asked me to pay a bill of XXXX based on charges of XXXX just for my stay in the hospital. This was before any EOB or proper insurance processing was conducted. The bill was nothing less than extortion. The actual amount I owed, after insurance processing was significantly lower than this trumped up, false bill presented to me. This is clearly fraudulent and unethical and dishonest practice. It also takes unfair advantage of the vulnerability of a XXXX XXXX XXXX XXXX XXXX In my weakened state, I caved into the pressure and allowed the hospital employee to charge my card for {$1100.00} instead of the $ XXXX they initially demanded in conversation with me. The card was declined due to insufficient account balance. 
XXXX XXXX who managed the Debit card I offered the hospital, has record of XXXX XXXX charging my card XXXX XXXX less than XXXX hours after my baby was born, for the amount of {$1100.00}. Permission to charge my card for this amount was obtained through disreputable business practice, intimidation, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-03-17
Company: Avant Holding Company, Inc.
State: NJ
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 am submitting this complaint without any third party influence or agency. Please see attached documents as it contains my full complaint and demands. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The check I deposited to my Wells Fargo account on XX/XX/23 for {$5700.00} cleared. It even shows as cleared on my Wells Fargo statement. Yet Wells Fargo claims it didn't clear and that was cause for closing my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I can't purchase anything as this information is defemation of character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$630.00} on the XXXX XXXX XXXX original creditor XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) XXXX is claiming I ordered a sofa and that I confirmed delivery. I have attached a copy of the receipt they sent me alleging the signature on the delivery receipt is mine. The signature on the receipt does NOT belong to me and I never authorized and/or accepted this item. Nothing from XXXX was delivered to my address. This collection/charge-off is being reported in error and needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-04-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I can't purchase anything as this information is defemation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony is a bank that lends primarily to those who take advantage of zero interest accounts for large purchases. I have recently had XXXX accounts closed with them that have such balances AND I have been in good standing all of them. I have never missed a payment, but they dictate that I have a high proportion of balances and therefore not considered a good risk.

This is also part of their long game when they lower the available credit limit on the amount they initial approve you for AND they also use the recalculated XXXX score that was made by their lowering of the credit limit. 

It's unfair to approve someone for an entire amount, they agree to the terms of zero percent for financing the purchase ( often the purchase amount is higher because of the merchant fee they charge ) and then charge interest now for saying the account is in default on an account they closed when the account was in good standing to begin with. 

I do feel this would violate areas of Regulation B.

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 2023-06-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Money was being taken out of my account and transferred into an unknown account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In XXXX of XXXX XXXX XXXX XXXX XXXX who represents XXXX XXXX XXXX XXXX filed for foreclosure under case ID XXXX. After XXXX XXXX XXXX XXXX failed to provide requested information. A active and ongoing dispute was filed with the courts and all payments have been suspended. However the home owner XXXX XXXX has paid the property taxes in full up till the year XXXX and has paid his home owners insurance in full for the past year and current year XXXX XXXX - XXXX this payment was made on XX/XX/XXXX to XXXX insurance under policy number XXXX. However XXXX again fraudulently made a payment on XX/XX/XXXX XXXX the question is where did they get the money to pay for insurance if no mortgage payments were allegedly made, And if mortgage payments were made None of them would be late as they try to claim. XXXX is trying to place XXXX XXXX into debt by making fraudulent payments after he has paid in full and forcing the insurance company to refund him back his escrow payments. Which would place him behind on payments because XXXX fraudulently made a extra payment and removed the precious escrow payment made by the home owner XXXX XXXX. XXXX is XXXX XXXX  on trying to raise the mortgage payments too cause default.

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 2021-02-12
Company: Experian Information Solutions Inc.
State: UT
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:
On my credit report I was looking into, I noticed that the information that was on my credit report that was reported for my Vehicle Loan and the Company, has reported in correct information as with they have not reported to the credit bureaus monthly as agreed when I purchased the car. They have incorrect, false information that has personally not helped my credit score whatsoever since opening the loan last year. Theyve reported spotty and also reported I was 90 days past due one month which is incorrect. The payment amount monthly I pay is incorrect as with the balance and initial loan amount. Ive contacted them and they said they would contact me back but I never heard back. I sent messages as well detailing the mistakes and inadequate information being reported and they never responded. But they did harass me and contact me via phone, text and email daily when i was past due with my payment. But now refuse to contact me back, or state that the information they have doesnt reflect that. I was denied a credit card based on the information they reported that is incorrect, false and not true. Ive not seen a credit score increase at all since getting this vehicle loan, and I wanted to get help as they are required to report to my credit bureaus monthly with correct information. They have not attempted to fix this information nor provide me with documentation that I can submit to the bureaus detailing opposite information.

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 2023-06-05
Company: WELLS FARGO & COMPANY
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:
Fraudulent charges No Wells Fargo bank near me, main reason I closed account and transferred all my funds to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: OPORTUN FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I got a loan for {$1100.00} on XX/XX/XXXX. I made XXXX payments. Two payments on XX/XX/XXXX for {$830.00} and {$110.00} and {$110.00} on the XXXX of XXXX. Their system has a glitch and took a full payment of {$110.00} even though I only owed {$100.00}. I called them 3 times. The last person I spoke to said they would take up to 8 weeks to refund me. I spoke to XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2022-03-25
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had three fraudulent transactions posted to my account on XX/XX/XXXX and XX/XX/XXXX of 2020 one in the amount of XXXX another in the amount of XXXX and another in the amount of XXXX, I filed a dispute with the bank on XX/XX/XXXX i had my debit card replaced in the process the dispute was denied a few days later i wasn't given a clear reason why all i know is that the charges were fraudulent and unauthorized and TD bank failed to understand this.

Company response to consumer: Closed with explanation